<ARTICLE> 7
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               DEC-31-1994
<DEBT-HELD-FOR-SALE>                               188
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                         205
<MORTGAGE>                                          11
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                     478
<CASH>                                              12
<RECOVER-REINSURE>                                  45
<DEFERRED-ACQUISITION>                              36
<TOTAL-ASSETS>                                     906
<POLICY-LOSSES>                                    199
<UNEARNED-PREMIUMS>                                201
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                     52
<COMMON>                                            10
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                         290
<TOTAL-LIABILITY-AND-EQUITY>                       906
<PREMIUMS>                                         337
<INVESTMENT-INCOME>                                 26
<INVESTMENT-GAINS>                                   9
<OTHER-INCOME>                                     232
<BENEFITS>                                         143
<UNDERWRITING-AMORTIZATION>                         65
<UNDERWRITING-OTHER>                               322
<INCOME-PRETAX>                                     74
<INCOME-TAX>                                        22
<INCOME-CONTINUING>                                 52
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        52
<EPS-PRIMARY>                                     2.54
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0