<ARTICLE>                                           7
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM
FORM 10-K FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   DEC-31-1999
<DEBT-HELD-FOR-SALE>                             2666562
<DEBT-CARRYING-VALUE>                                  0
<DEBT-MARKET-VALUE>                                    0
<EQUITIES>                                         15426
<MORTGAGE>                                             0
<REAL-ESTATE>                                          0
<TOTAL-INVEST>                                   2789734
<CASH>                                            110068
<RECOVER-REINSURE>                                     0
<DEFERRED-ACQUISITION>                             22350
<TOTAL-ASSETS>                                   3104393
<POLICY-LOSSES>                                   641978
<UNEARNED-PREMIUMS>                               181378
<POLICY-OTHER>                                         0
<POLICY-HOLDER-FUNDS>                                  0
<NOTES-PAYABLE>                                   425000
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                          121111
<OTHER-SE>                                       1654878
<TOTAL-LIABILITY-AND-EQUITY>                     3104393
<PREMIUMS>                                        792581
<INVESTMENT-INCOME>                               153071
<INVESTMENT-GAINS>                                  3406
<OTHER-INCOME>                                     47697
<BENEFITS>                                         97196
<UNDERWRITING-AMORTIZATION>                         1715
<UNDERWRITING-OTHER>                              199064
<INCOME-PRETAX>                                   681010
<INCOME-TAX>                                      210809
<INCOME-CONTINUING>                               470201
<DISCONTINUED>                                         0
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      470201
<EPS-BASIC>                                       4.35
<EPS-DILUTED>                                       4.30
<RESERVE-OPEN>                                         0
<PROVISION-CURRENT>                                    0
<PROVISION-PRIOR>                                      0
<PAYMENTS-CURRENT>                                     0
<PAYMENTS-PRIOR>                                       0
<RESERVE-CLOSE>                                        0
<CUMULATIVE-DEFICIENCY>                                0