<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> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <DEBT-HELD-FOR-SALE> 247,806 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 145,246 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 412,797 <CASH> 24,461<F1> <RECOVER-REINSURE> 7,959 <DEFERRED-ACQUISITION> 3,836 <TOTAL-ASSETS> 524,396 <POLICY-LOSSES> 176,647 <UNEARNED-PREMIUMS> 25,380 <POLICY-OTHER> (444) <POLICY-HOLDER-FUNDS> 4,975 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 709 <OTHER-SE> 0 <TOTAL-LIABILITY-AND-EQUITY> 524,396 <PREMIUMS> 51,439 <INVESTMENT-INCOME> 13,900 <INVESTMENT-GAINS> 7,397 <OTHER-INCOME> 1,974 <BENEFITS> 33,124 <UNDERWRITING-AMORTIZATION> 5,686 <UNDERWRITING-OTHER> 4,857 <INCOME-PRETAX> 23,051 <INCOME-TAX> 7,092 <INCOME-CONTINUING> 15,959 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,959 <EPS-BASIC> 1.17<F2> <EPS-DILUTED> 1.17 <RESERVE-OPEN> 143,951<F3> <PROVISION-CURRENT> 39,761<F3> <PROVISION-PRIOR> (6,637)<F3> <PAYMENTS-CURRENT> 18,862<F3> <PAYMENTS-PRIOR> 23,418<F3> <RESERVE-CLOSE> 134,795<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>