<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