<ARTICLE> 7
       
                                                  
<PERIOD-TYPE>                   6-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-END>                               JUN-30-1997             DEC-31-1996
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<INVESTMENT-INCOME>                             39,186                  77,402
<INVESTMENT-GAINS>                               1,920                 (7,574)
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<UNDERWRITING-OTHER>                                 0                       0
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<INCOME-TAX>                                     8,605                  18,049
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<EPS-PRIMARY>                                     1.02                    2.04
<EPS-DILUTED>                                     1.02                    2.04
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