<ARTICLE>                       7
<RESTATED>
<MULTIPLIER>                             1,000
                                 
                                                            
<PERIOD-TYPE>                   6-MOS             9-MOS              12-MOS
<FISCAL-YEAR-END>               DEC-31-1996       DEC-31-1996        DEC-31-1996
<PERIOD-START>                  JAN-01-1996       JAN-01-1996        JAN-01-1996
<PERIOD-END>                    JUN-30-1996       SEP-30-1996        DEC-31-1996
<DEBT-HELD-FOR-SALE>                 2,885,762         3,068,611           3,281,972
<DEBT-CARRYING-VALUE>                   82,026            83,987              80,522
<DEBT-MARKET-VALUE>                     92,288            91,988              88,374
<EQUITIES>                             132,275           131,371             147,280
<MORTGAGE>                                   0                 0                   0
<REAL-ESTATE>                                0                 0                   0
<TOTAL-INVEST>                       3,229,931         3,405,389           3,572,010
<CASH>                                  55,416            50,104              52,595
<RECOVER-REINSURE>                     725,525           715,768             749,062
<DEFERRED-ACQUISITION>                  79,435            84,526              84,123
<TOTAL-ASSETS>                       4,763,556         4,925,098           5,047,767
<POLICY-LOSSES>                      3,056,620         3,081,757           3,246,858
<UNEARNED-PREMIUMS>                    322,584           353,682             355,908
<POLICY-OTHER>                               0                 0                   0
<POLICY-HOLDER-FUNDS>                        0                 0                   0
<NOTES-PAYABLE>                              0                 0                   0
<PREFERRED-MANDATORY>                        0                 0                   0
<PREFERRED>                                  0                 0                   0
<COMMON>                                   508               508                 508
<OTHER-SE>                             972,280         1,014,083           1,085,515
<TOTAL-LIABILITY-AND-EQUITY>         4,763,556         4,925,098           5,047,767
<PREMIUMS>                             429,075           674,416             973,611
<INVESTMENT-INCOME>                     91,029           140,496             191,901
<INVESTMENT-GAINS>                       7,484               979               5,695
<OTHER-INCOME>                             243               230              (1,867)
<BENEFITS>                             316,555           496,411             716,033
<UNDERWRITING-AMORTIZATION>                437            (4,659)             (3,987)
<UNDERWRITING-OTHER>                   137,759           222,007             313,455
<INCOME-PRETAX>                         73,080           102,362             143,839
<INCOME-TAX>                            16,590            22,653              31,812
<INCOME-CONTINUING>                     56,490            79,709             112,027
<DISCONTINUED>                               0                 0                   0
<EXTRAORDINARY>                              0                 0                   0
<CHANGES>                                    0                 0                   0
<NET-INCOME>                            56,490            79,709             112,027
<EPS-PRIMARY>                             1.12              1.58                2.22
<EPS-DILUTED>                             1.11              1.57                2.21
<RESERVE-OPEN>                               0                 0           2,268,464
<PROVISION-CURRENT>                          0                 0             745,594
<PROVISION-PRIOR>                            0                 0             (29,561)
<PAYMENTS-CURRENT>                           0                 0             213,832
<PAYMENTS-PRIOR>                             0                 0             270,447
<RESERVE-CLOSE>                              0                 0           2,500,218
<CUMULATIVE-DEFICIENCY>                      0                 0              29,561