<ARTICLE> 7
<LEGEND>
This legend contains summary information extracted from the Form 10-Q and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               MAR-31-1996
<DEBT-HELD-FOR-SALE>                            78,268
<DEBT-CARRYING-VALUE>                          607,431
<DEBT-MARKET-VALUE>                            622,130
<EQUITIES>                                      79,339
<MORTGAGE>                                       3,021
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 791,669
<CASH>                                           6,429
<RECOVER-REINSURE>                              16,935
<DEFERRED-ACQUISITION>                          53,093
<TOTAL-ASSETS>                                 951,431
<POLICY-LOSSES>                                599,680
<UNEARNED-PREMIUMS>                            100,062
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        36,098
<OTHER-SE>                                     178,923
<TOTAL-LIABILITY-AND-EQUITY>                   951,431
<PREMIUMS>                                      55,593
<INVESTMENT-INCOME>                             14,020
<INVESTMENT-GAINS>                               4,057
<OTHER-INCOME>                                     431
<BENEFITS>                                      36,790
<UNDERWRITING-AMORTIZATION>                     14,304
<UNDERWRITING-OTHER>                            11,039
<INCOME-PRETAX>                                 11,968
<INCOME-TAX>                                     3,213
<INCOME-CONTINUING>                              8,755
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,755
<EPS-PRIMARY>                                      .81
<EPS-DILUTED>                                      .81
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0