<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>