<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>