<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets and consolidated statements of operations enclosed
herein electronically in Form 10Q for the year-to-date, and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<DEBT-HELD-FOR-SALE>                           263,936
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                     146,361
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 428,590
<CASH>                                          14,284<F1>
<RECOVER-REINSURE>                               7,858
<DEFERRED-ACQUISITION>                           3,554
<TOTAL-ASSETS>                                 533,313
<POLICY-LOSSES>                                191,633
<UNEARNED-PREMIUMS>                             24,273
<POLICY-OTHER>                                       2
<POLICY-HOLDER-FUNDS>                            4,471
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           722
<OTHER-SE>                                           0
<TOTAL-LIABILITY-AND-EQUITY>                   533,313
<PREMIUMS>                                      15,985
<INVESTMENT-INCOME>                              4,668
<INVESTMENT-GAINS>                               2,645
<OTHER-INCOME>                                     563
<BENEFITS>                                      10,960
<UNDERWRITING-AMORTIZATION>                      1,790
<UNDERWRITING-OTHER>                             1,665
<INCOME-PRETAX>                                  6,906
<INCOME-TAX>                                     1,947
<INCOME-CONTINUING>                              4,959
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,959
<EPS-PRIMARY>                                      .36<F2>
<EPS-DILUTED>                                      .36
<RESERVE-OPEN>                                 143,951<F3>
<PROVISION-CURRENT>                             11,383<F3>
<PROVISION-PRIOR>                                (423)<F3>
<PAYMENTS-CURRENT>                               4,718<F3>
<PAYMENTS-PRIOR>                                 9,208<F3>
<RESERVE-CLOSE>                                140,985<F3>
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Includes money market cash equivalents.
<F2>Basic earnings per share.
<F3>All loss data is presented net of applicable reinsurance recoverable.
</FN>