<ARTICLE> 7
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                         8,897,548
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                       4,839
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               9,006,931
<CASH>                                          46,560
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                         138,408
<TOTAL-ASSETS>                              11,142,607
<POLICY-LOSSES>                                124,323
<UNEARNED-PREMIUMS>                          1,417,729
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                424,012
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           707
<OTHER-SE>                                   2,150,014
<TOTAL-LIABILITY-AND-EQUITY>                11,142,607
<PREMIUMS>                                      71,158
<INVESTMENT-INCOME>                             57,631
<INVESTMENT-GAINS>                                 281
<OTHER-INCOME>                                   1,795
<BENEFITS>                                       3,249
<UNDERWRITING-AMORTIZATION>                     13,478
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                112,094
<INCOME-TAX>                                    26,456
<INCOME-CONTINUING>                             85,638
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    85,638
<EPS-BASIC>                                       1.23
<EPS-DILUTED>                                     1.20
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0