<ARTICLE> 7
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                           330,042
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                      82,331
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 412,373
<CASH>                                          25,428
<RECOVER-REINSURE>                               9,651
<DEFERRED-ACQUISITION>                          27,949
<TOTAL-ASSETS>                                 622,244
<POLICY-LOSSES>                                198,409
<UNEARNED-PREMIUMS>                            118,297
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        68,825
<OTHER-SE>                                      95,530
<TOTAL-LIABILITY-AND-EQUITY>                   622,244
<PREMIUMS>                                      48,627
<INVESTMENT-INCOME>                              6,264
<INVESTMENT-GAINS>                                  93
<OTHER-INCOME>                                   2,725
<BENEFITS>                                      28,240
<UNDERWRITING-AMORTIZATION>                     16,719
<UNDERWRITING-OTHER>                             2,810
<INCOME-PRETAX>                                  8,129
<INCOME-TAX>                                     2,464
<INCOME-CONTINUING>                              5,665
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,665
<EPS-BASIC>                                       0.46
<EPS-DILUTED>                                     0.38
<RESERVE-OPEN>                                 161,353<F1>
<PROVISION-CURRENT>                             28,240
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                               3,961
<PAYMENTS-PRIOR>                                18,188
<RESERVE-CLOSE>                                167,444<F1>
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>UNPAID LOSS AND LOSS ADJUSTMENT EXPENSES DIFFER FROM THE AMOUNTS REPORTED IN
THE CONSOLIDATED FINANCIAL STATEMENTS BECAUSE OF THE INCLUSION HEREIN OF
REINSURANCE RECEIVABLES OF $30,965 AND $26,710 AT MARCH 31, 2000 AND DECEMBER
31, 1999, RESPECTIVELY.
</FN>