<ARTICLE> 7 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <DEBT-HELD-FOR-SALE> 17,304 <DEBT-CARRYING-VALUE> 0 <DEBT-MARKET-VALUE> 0 <EQUITIES> 3,944 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 23,494 <CASH> 258 <RECOVER-REINSURE> 2,794 <DEFERRED-ACQUISITION> 434 <TOTAL-ASSETS> 35,946 <POLICY-LOSSES> 14,252 <UNEARNED-PREMIUMS> 1,913 <POLICY-OTHER> 2,263 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 155 <PREFERRED-MANDATORY> 1 <PREFERRED> 0 <COMMON> 51 <OTHER-SE> 6,536 <TOTAL-LIABILITY-AND-EQUITY> 35,946 <PREMIUMS> 5,837 <INVESTMENT-INCOME> 1,017 <INVESTMENT-GAINS> 64 <OTHER-INCOME> 292 <BENEFITS> 4,185 <UNDERWRITING-AMORTIZATION> 1,345 <UNDERWRITING-OTHER> 563 <INCOME-PRETAX> 1,117 <INCOME-TAX> 247 <INCOME-CONTINUING> 825 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 825 <EPS-PRIMARY> 9.92 <EPS-DILUTED> 0 <RESERVE-OPEN> 10,317 <PROVISION-CURRENT> 3,666 <PROVISION-PRIOR> 14 <PAYMENTS-CURRENT> 773 <PAYMENTS-PRIOR> 1,584 <RESERVE-CLOSE> 11,737 <CUMULATIVE-DEFICIENCY> 14