<ARTICLE> 7
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<DEBT-HELD-FOR-SALE>                           627,375
<DEBT-CARRYING-VALUE>                          654,901
<DEBT-MARKET-VALUE>                            654,561
<EQUITIES>                                      35,459
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 901,734
<CASH>                                          15,714
<RECOVER-REINSURE>                             343,671
<DEFERRED-ACQUISITION>                           7,892
<TOTAL-ASSETS>                               1,573,786
<POLICY-LOSSES>                                880,929
<UNEARNED-PREMIUMS>                             50,906
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                 94,955
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,157
<OTHER-SE>                                     329,402
<TOTAL-LIABILITY-AND-EQUITY>                 1,573,786
<PREMIUMS>                                     369,403
<INVESTMENT-INCOME>                             53,662
<INVESTMENT-GAINS>                               7,682
<OTHER-INCOME>                                  61,361
<BENEFITS>                                     360,172
<UNDERWRITING-AMORTIZATION>                     65,266
<UNDERWRITING-OTHER>                            80,700
<INCOME-PRETAX>                                 83,067
<INCOME-TAX>                                    28,967
<INCOME-CONTINUING>                             54,100
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    54,100
<EPS-BASIC>                                       3.15
<EPS-DILUTED>                                     3.15
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0