<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> 1,000,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<DEBT-HELD-FOR-SALE>                               225
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                         236
<MORTGAGE>                                          11
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                     545
<CASH>                                              10
<RECOVER-REINSURE>                                  66
<DEFERRED-ACQUISITION>                              41
<TOTAL-ASSETS>                                     993
<POLICY-LOSSES>                                    211
<UNEARNED-PREMIUMS>                                254
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                     38
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            10
<OTHER-SE>                                         337
<TOTAL-LIABILITY-AND-EQUITY>                       993
<PREMIUMS>                                         108
<INVESTMENT-INCOME>                                  8
<INVESTMENT-GAINS>                                   1
<OTHER-INCOME>                                      13
<BENEFITS>                                          45
<UNDERWRITING-AMORTIZATION>                         21
<UNDERWRITING-OTHER>                                45
<INCOME-PRETAX>                                     24
<INCOME-TAX>                                         7
<INCOME-CONTINUING>                                 17
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        17
<EPS-PRIMARY>                                      .84
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0