<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>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<DEBT-HELD-FOR-SALE>                         2,562,130<F1>
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                           0
<MORTGAGE>                                      18,097
<REAL-ESTATE>                                      164
<TOTAL-INVEST>                               2,645,455
<CASH>                                          18,957
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                         124,964
<TOTAL-ASSETS>                               4,327,784
<POLICY-LOSSES>                              2,160,734<F2>
<UNEARNED-PREMIUMS>                            177,681
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                          126,674
<NOTES-PAYABLE>                                148,657
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            59
<OTHER-SE>                                     433,522
<TOTAL-LIABILITY-AND-EQUITY>                 4,327,784
<PREMIUMS>                                     294,779
<INVESTMENT-INCOME>                             93,907
<INVESTMENT-GAINS>                             (8,473)
<OTHER-INCOME>                                       0
<BENEFITS>                                     211,927
<UNDERWRITING-AMORTIZATION>                     23,752
<UNDERWRITING-OTHER>                            50,230
<INCOME-PRETAX>                                 39,999
<INCOME-TAX>                                    12,526
<INCOME-CONTINUING>                             27,473
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    27,473
<EPS-BASIC>                                       0.66
<EPS-DILUTED>                                     0.65
<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 June 30, 1999.
<F2>Refer to the Company's Consolidated Balance Sheet as of June 30, 1999.
</FN>