<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> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <DEBT-HELD-FOR-SALE> 249,522 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 154,468 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 427,360 <CASH> 16,925<F1> <RECOVER-REINSURE> 9,704 <DEFERRED-ACQUISITION> 3,774 <TOTAL-ASSETS> 527,311 <POLICY-LOSSES> 173,647 <UNEARNED-PREMIUMS> 25,632 <POLICY-OTHER> (449) <POLICY-HOLDER-FUNDS> 4,725 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 709 <OTHER-SE> 0 <TOTAL-LIABILITY-AND-EQUITY> 527,311 <PREMIUMS> 33,690 <INVESTMENT-INCOME> 9,296 <INVESTMENT-GAINS> 3,498 <OTHER-INCOME> 1,276 <BENEFITS> 22,632 <UNDERWRITING-AMORTIZATION> 2,228 <UNDERWRITING-OTHER> 4,542 <INCOME-PRETAX> 13,051 <INCOME-TAX> 3,777 <INCOME-CONTINUING> 9,274 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,274 <EPS-BASIC> .68<F2> <EPS-DILUTED> .68 <RESERVE-OPEN> 143,951<F3> <PROVISION-CURRENT> 25,648<F3> <PROVISION-PRIOR> (3,016)<F3> <PAYMENTS-CURRENT> 11,239<F3> <PAYMENTS-PRIOR> 18,004<F3> <RESERVE-CLOSE> 137,340<F3> <CUMULATIVE-DEFICIENCY> 0 <FN> <F1>Includes cash equivalents. <F2>Basic earnings per share. <F3>All loss data is presented net of applicable reinsurance recoverable. </FN>