<ARTICLE> 7

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JUL-01-2000
<PERIOD-END>                               SEP-30-2000
<DEBT-HELD-FOR-SALE>                        10,661,968
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                     637,400
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                              13,146,960
<CASH>                                         616,971
<RECOVER-REINSURE>                             938,152
<DEFERRED-ACQUISITION>                         567,161
<TOTAL-ASSETS>                              31,532,100
<POLICY-LOSSES>                             17,401,981
<UNEARNED-PREMIUMS>                          3,132,914
<POLICY-OTHER>                               1,359,047
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    311,050
<COMMON>                                         9,660
<OTHER-SE>                                   5,230,845
<TOTAL-LIABILITY-AND-EQUITY>                31,532,100<F1>
<PREMIUMS>                                   3,447,424
<INVESTMENT-INCOME>                            561,548
<INVESTMENT-GAINS>                              13,899
<OTHER-INCOME>                                       0
<BENEFITS>                                   2,256,481
<UNDERWRITING-AMORTIZATION>                    482,628
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                503,545
<INCOME-TAX>                                  (74,351)
<INCOME-CONTINUING>                            429,194
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   429,194
<EPS-BASIC>                                       1.92
<EPS-DILUTED>                                     1.88
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Includes mezzanine equity of $311,050
</FN>