<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<DEBT-HELD-FOR-SALE>                               224
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                         257
<MORTGAGE>                                          11
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                     571
<CASH>                                               7
<RECOVER-REINSURE>                                  90
<DEFERRED-ACQUISITION>                              43
<TOTAL-ASSETS>                                    1053
<POLICY-LOSSES>                                    257
<UNEARNED-PREMIUMS>                                271
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                     29
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            10
<OTHER-SE>                                         329
<TOTAL-LIABILITY-AND-EQUITY>                      1053
<PREMIUMS>                                         114
<INVESTMENT-INCOME>                                  8
<INVESTMENT-GAINS>                                   3
<OTHER-INCOME>                                      14
<BENEFITS>                                          55
<UNDERWRITING-AMORTIZATION>                         21
<UNDERWRITING-OTHER>                                47
<INCOME-PRETAX>                                     15
<INCOME-TAX>                                         4
<INCOME-CONTINUING>                                 12
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        12
<EPS-PRIMARY>                                      .58
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0