<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS FILED HEREWITH AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
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<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
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<MORTGAGE>                                          11
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                     545
<CASH>                                               9
<RECOVER-REINSURE>                                  48
<DEFERRED-ACQUISITION>                              34
<TOTAL-ASSETS>                                     972
<POLICY-LOSSES>                                    191
<UNEARNED-PREMIUMS>                                216
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                     39
<PREFERRED-MANDATORY>                                0
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<INVESTMENT-GAINS>                                   3
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<BENEFITS>                                         155
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<UNDERWRITING-OTHER>                               351
<INCOME-PRETAX>                                     86
<INCOME-TAX>                                        24
<INCOME-CONTINUING>                                 63
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        63
<EPS-PRIMARY>                                     3.07
<EPS-DILUTED>                                        0
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