<ARTICLE> 7
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1994
<DEBT-HELD-FOR-SALE>                                 0
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                          713557710
<EQUITIES>                                    26024597
<MORTGAGE>                                   333307813
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                              1158939087
<CASH>                                         3123327
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                        96001397
<TOTAL-ASSETS>                              1293170540
<POLICY-LOSSES>                              657629749
<UNEARNED-PREMIUMS>                           26714282
<POLICY-OTHER>                                10135090
<POLICY-HOLDER-FUNDS>                         64532013
<NOTES-PAYABLE>                                      0
<COMMON>                                       5488784
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                   471343702
<TOTAL-LIABILITY-AND-EQUITY>                1293170540
<PREMIUMS>                                    86217807
<INVESTMENT-INCOME>                           63300802
<INVESTMENT-GAINS>                                7729
<OTHER-INCOME>                                       0
<BENEFITS>                                    68182133
<UNDERWRITING-AMORTIZATION>                    9993366
<UNDERWRITING-OTHER>                          30317731
<INCOME-PRETAX>                               41033108
<INCOME-TAX>                                  14100000
<INCOME-CONTINUING>                           26933108
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  26933108
<EPS-PRIMARY>                                     1.51
<EPS-DILUTED>                                     1.51
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0