<ARTICLE> 7 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <DEBT-HELD-FOR-SALE> 479,772,000 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 131,087,000 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 610,859,000 <CASH> 10,098,000 <RECOVER-REINSURE> 24,114,000 <DEFERRED-ACQUISITION> 85,168,000 <TOTAL-ASSETS> 888,057,000 <POLICY-LOSSES> 133,713,000 <UNEARNED-PREMIUMS> 312,838,000 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 23,388,000 <NOTES-PAYABLE> 69,838,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 911,000 <OTHER-SE> 257,091,000 <TOTAL-LIABILITY-AND-EQUITY> 888,057,000 <PREMIUMS> 400,991,000 <INVESTMENT-INCOME> 25,292,000 <INVESTMENT-GAINS> 3,486,000 <OTHER-INCOME> 39,357,000 <BENEFITS> 204,365,000 <UNDERWRITING-AMORTIZATION> 114,212,000 <UNDERWRITING-OTHER> 66,541,000 <INCOME-PRETAX> 43,713,000 <INCOME-TAX> 12,534,000 <INCOME-CONTINUING> 31,179,000 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 31,179,000 <EPS-BASIC> 3.42 <EPS-DILUTED> 3.30 <RESERVE-OPEN> 88,267,000 <PROVISION-CURRENT> 211,066,000 <PROVISION-PRIOR> (10,178,000) <PAYMENTS-CURRENT> 159,045,000 <PAYMENTS-PRIOR> 40,785,000 <RESERVE-CLOSE> 89,325,000 <CUMULATIVE-DEFICIENCY> (10,178,000)