<ARTICLE> 7
<CURRENCY>     U.S. DOLLARS
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1<F1>
<DEBT-HELD-FOR-SALE>                         1,156,334
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                     114,641
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               1,270,975
<CASH>                                          79,883
<RECOVER-REINSURE>                              65,767
<DEFERRED-ACQUISITION>                          93,033
<TOTAL-ASSETS>                               2,615,366
<POLICY-LOSSES>                              1,422,527
<UNEARNED-PREMIUMS>                            559,075
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                175,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       232,012
<OTHER-SE>                                      69,820
<TOTAL-LIABILITY-AND-EQUITY>                 2,615,366
<PREMIUMS>                                     154,736
<INVESTMENT-INCOME>                             21,621
<INVESTMENT-GAINS>                             (3,674)
<OTHER-INCOME>                                   3,790
<BENEFITS>                                     156,791
<UNDERWRITING-AMORTIZATION>                     90,103
<UNDERWRITING-OTHER>                             8,636
<INCOME-PRETAX>                              (105,106)
<INCOME-TAX>                                  (22,213)
<INCOME-CONTINUING>                           (82,893)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (82,893)
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<RESERVE-OPEN>                               1,063,485
<PROVISION-CURRENT>                             22,350
<PROVISION-PRIOR>                              134,441
<PAYMENTS-CURRENT>                               1,535
<PAYMENTS-PRIOR>                               147,352
<RESERVE-CLOSE>                              1,071,389
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>FOREIGN EXCHANGE MOVEMENT DURING THE YEAR HAS BEEN ALLOCATED TO PRIOR YEAR
PAID CLAIMS.
</FN>