<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<DEBT-HELD-FOR-SALE>                         2,507,280<F1>
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                           0
<MORTGAGE>                                      17,396
<REAL-ESTATE>                                      154
<TOTAL-INVEST>                               2,630,209
<CASH>                                          22,848
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                         130,192
<TOTAL-ASSETS>                               4,253,846
<POLICY-LOSSES>                              2,170,449<F1>
<UNEARNED-PREMIUMS>                            170,845
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                          126,530
<NOTES-PAYABLE>                                148,677
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            59
<OTHER-SE>                                     400,083
<TOTAL-LIABILITY-AND-EQUITY>                 4,253,846
<PREMIUMS>                                     595,128
<INVESTMENT-INCOME>                            188,267
<INVESTMENT-GAINS>                             (7,969)
<OTHER-INCOME>                                       0
<BENEFITS>                                     416,186
<UNDERWRITING-AMORTIZATION>                     53,041
<UNDERWRITING-OTHER>                           109,694
<INCOME-PRETAX>                                 93,354
<INCOME-TAX>                                    48,849<F2>
<INCOME-CONTINUING>                             44,505
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    44,505
<EPS-BASIC>                                       1.08
<EPS-DILUTED>                                     1.07
<RESERVE-OPEN>                                 243,039<F3>
<PROVISION-CURRENT>                            379,455
<PROVISION-PRIOR>                              (4,583)
<PAYMENTS-CURRENT>                             240,045
<PAYMENTS-PRIOR>                               142,473
<RESERVE-CLOSE>                                235,393<F3>
<CUMULATIVE-DEFICIENCY>                          4,583
<FN>
<F1>REFER TO THE COMPANY'S CONSOLIDATED BALANCE SHEET AS OF DECEMBER 31, 1999.
<F2>INCLUDES $20,000 PROVISION FOR PRIOR YEARS' TAXES. REFER TO THE COMPANY'S
CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED DECEMBER 31, 1999.
<F3>THESE BALANCES ARE NET OF REINSURANCE RECOVERABLES. SEE ALSO NOTE 1 -
SIGNIFICANT ACCOUNTING POLICIES OF THE COMPANY'S CONSOLIDATED NOTES TO
FINANCIAL STATEMENTS FOR DECEMBER 31, 1999.
</FN>