<ARTICLE> 7
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<DEBT-HELD-FOR-SALE>                       128,875,000
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                  21,445,000
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                             194,187,000
<CASH>                                     145,902,000
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                      24,342,000
<TOTAL-ASSETS>                             873,778,000
<POLICY-LOSSES>                            238,161,000
<UNEARNED-PREMIUMS>                                  0
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                             77,206,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,411,000
<OTHER-SE>                                 291,356,000
<TOTAL-LIABILITY-AND-EQUITY>                         0
<PREMIUMS>                               1,227,185,000
<INVESTMENT-INCOME>                         22,073,000
<INVESTMENT-GAINS>                             958,000
<OTHER-INCOME>                                       0
<BENEFITS>                                  90,387,000
<UNDERWRITING-AMORTIZATION>                  7,639,000
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                             13,787,000
<INCOME-TAX>                                 6,200,000
<INCOME-CONTINUING>                          7,587,000
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 7,587,000
<EPS-PRIMARY>                                     0.67
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                             206,743,000
<PROVISION-CURRENT>                         82,632,000
<PROVISION-PRIOR>                            7,755,000
<PAYMENTS-CURRENT>                          25,039,000
<PAYMENTS-PRIOR>                            33,930,000<F1>
<RESERVE-CLOSE>                            238,161,000
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Includes purchase accounting adjustments and reclassifications to the reserve
for assets acquired in connection with claim settlements.
</FN>