<ARTICLE> 7

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                        2470039501
<DEBT-CARRYING-VALUE>                       2470039501
<DEBT-MARKET-VALUE>                         2470039501
<EQUITIES>                                   671826283
<MORTGAGE>                                           0
<REAL-ESTATE>                                 42402064
<TOTAL-INVEST>                              3185267848
<CASH>                                        71567218
<RECOVER-REINSURE>                           140976450
<DEFERRED-ACQUISITION>                       177201935
<TOTAL-ASSETS>                              4396768008
<POLICY-LOSSES>                             1939484709
<UNEARNED-PREMIUMS>                          732999418
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                              241283333
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       5901146
<OTHER-SE>                                  1036959550
<TOTAL-LIABILITY-AND-EQUITY>                4396768008
<PREMIUMS>                                   387187812
<INVESTMENT-INCOME>                           51792403
<INVESTMENT-GAINS>                           (6307810)
<OTHER-INCOME>                                       0
<BENEFITS>                                   341786294
<UNDERWRITING-AMORTIZATION>                   98858810
<UNDERWRITING-OTHER>                          88076891
<INCOME-PRETAX>                             (96049590)
<INCOME-TAX>                                (21036753)
<INCOME-CONTINUING>                         (75012838)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                (75012838)
<EPS-BASIC>                                     (1.25)
<EPS-DILUTED>                                   (1.25)
<RESERVE-OPEN>                              1823328728
<PROVISION-CURRENT>                          211063982
<PROVISION-PRIOR>                           1642595496
<PAYMENTS-CURRENT>                            94045510
<PAYMENTS-PRIOR>                             216881384
<RESERVE-CLOSE>                             1853659478
<CUMULATIVE-DEFICIENCY>                       36148152