<ARTICLE> 7
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               DEC-31-1994
<DEBT-HELD-FOR-SALE>                       930,502,000
<DEBT-CARRYING-VALUE>                      410,989,000
<DEBT-MARKET-VALUE>                        400,964,000
<EQUITIES>                                  46,014,000
<MORTGAGE>                                   3,503,000
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                           1,462,989,000
<CASH>                                       7,114,000
<RECOVER-REINSURE>                          58,873,000
<DEFERRED-ACQUISITION>                     109,059,000
<TOTAL-ASSETS>                           1,840,758,000
<POLICY-LOSSES>                            504,379,000
<UNEARNED-PREMIUMS>                        121,867,000
<POLICY-OTHER>                             735,380,000
<POLICY-HOLDER-FUNDS>                       15,999,000
<NOTES-PAYABLE>                             76,582,000
<COMMON>                                    24,034,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                 285,826,000
<TOTAL-LIABILITY-AND-EQUITY>             1,840,758,000
<PREMIUMS>                                 463,195,000
<INVESTMENT-INCOME>                         98,042,000
<INVESTMENT-GAINS>                           2,446,000
<OTHER-INCOME>                              31,430,000
<BENEFITS>                                 343,561,000
<UNDERWRITING-AMORTIZATION>                 83,653,000
<UNDERWRITING-OTHER>                        57,548,000
<INCOME-PRETAX>                             57,571,000
<INCOME-TAX>                                19,671,000
<INCOME-CONTINUING>                         37,900,000
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                37,900,000
<EPS-PRIMARY>                                     1.99
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                             468,718,000
<PROVISION-CURRENT>                        273,177,000
<PROVISION-PRIOR>                          (9,720,000)
<PAYMENTS-CURRENT>                         107,211,000
<PAYMENTS-PRIOR>                           167,918,000
<RESERVE-CLOSE>                            457,046,000
<CUMULATIVE-DEFICIENCY>                     (9,720,000)