<ARTICLE> 7
       
                                                  
<PERIOD-TYPE>                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-END>                               SEP-30-1996             DEC-31-1995
<DEBT-HELD-FOR-SALE>                                 0                       0
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<POLICY-OTHER>                                       0                       0
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<INVESTMENT-GAINS>                             (2,984)                     712
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<UNDERWRITING-OTHER>                                 0                       0
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<INCOME-TAX>                                    11,477                  39,541
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<EPS-PRIMARY>                                     1.44                    2.93
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