<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>                   3-MOS
<FISCAL-YEAR-END>                         DEC-31-2000
<PERIOD-START>                            JAN-01-2000
<PERIOD-END>                              MAR-31-2000
<DEBT-HELD-FOR-SALE>                          2,495,713<F1>
<DEBT-CARRYING-VALUE>                                 0
<DEBT-MARKET-VALUE>                                   0
<EQUITIES>                                            0
<MORTGAGE>                                       17,387
<REAL-ESTATE>                                       148
<TOTAL-INVEST>                                2,650,784
<CASH>                                           18,958
<RECOVER-REINSURE>                                    0
<DEFERRED-ACQUISITION>                          131,251
<TOTAL-ASSETS>                                4,232,919
<POLICY-LOSSES>                               2,154,212<F2>
<UNEARNED-PREMIUMS>                             167,557
<POLICY-OTHER>                                        0
<POLICY-HOLDER-FUNDS>                           126,611
<NOTES-PAYABLE>                                 148,688
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             60
<OTHER-SE>                                      408,670
<TOTAL-LIABILITY-AND-EQUITY>                  4,232,919
<PREMIUMS>                                      147,339
<INVESTMENT-INCOME>                              47,508
<INVESTMENT-GAINS>                               (2,545)
<OTHER-INCOME>                                        0
<BENEFITS>                                      103,211
<UNDERWRITING-AMORTIZATION>                      13,741
<UNDERWRITING-OTHER>                             29,205
<INCOME-PRETAX>                                  18,478
<INCOME-TAX>                                      5,752
<INCOME-CONTINUING>                              12,726
<DISCONTINUED>                                        0
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                     12,726
<EPS-BASIC>                                        0.31
<EPS-DILUTED>                                      0.31
<RESERVE-OPEN>                                        0
<PROVISION-CURRENT>                                   0
<PROVISION-PRIOR>                                     0
<PAYMENTS-CURRENT>                                    0
<PAYMENTS-PRIOR>                                      0
<RESERVE-CLOSE>                                       0
<CUMULATIVE-DEFICIENCY>                               0

<FN>
<F1> Refer to Note 3 - Investments of the Company's Consolidated Notes to
     Financial Statements for March 31, 2000.
<F2> Refer to the Company's Consolidated Balance Sheet as of March 31, 2000.
</FN>