<ARTICLE> 7 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <DEBT-HELD-FOR-SALE> 768,307 <DEBT-CARRYING-VALUE> 311,152 <DEBT-MARKET-VALUE> 314,168 <EQUITIES> 109,148 <MORTGAGE> 0 <REAL-ESTATE> 0 <TOTAL-INVEST> 1,230,711 <CASH> 0 <RECOVER-REINSURE> 29,715 <DEFERRED-ACQUISITION> 90,074 <TOTAL-ASSETS> 1,467,716 <POLICY-LOSSES> 1,039,593 <UNEARNED-PREMIUMS> 148,472 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,534 <OTHER-SE> 204,259 <TOTAL-LIABILITY-AND-EQUITY> 1,467,716 <PREMIUMS> 273,051 <INVESTMENT-INCOME> 75,317 <INVESTMENT-GAINS> 2,936 <OTHER-INCOME> 1,912 <BENEFITS> 202,448 <UNDERWRITING-AMORTIZATION> 49,863 <UNDERWRITING-OTHER> 38,687 <INCOME-PRETAX> 17,218 <INCOME-TAX> 1,834 <INCOME-CONTINUING> 15,384 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,384 <EPS-BASIC> 1.53 <EPS-DILUTED> 1.53 <RESERVE-OPEN> 243,006 <PROVISION-CURRENT> 211,575 <PROVISION-PRIOR> (25,135) <PAYMENTS-CURRENT> 94,443 <PAYMENTS-PRIOR> 76,027 <RESERVE-CLOSE> 310,637 <CUMULATIVE-DEFICIENCY> (25,135)