<ARTICLE> 7
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<DEBT-HELD-FOR-SALE>                           742,399
<DEBT-CARRYING-VALUE>                          321,082
<DEBT-MARKET-VALUE>                            328,825
<EQUITIES>                                     115,155
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               1,220,394
<CASH>                                           1,116
<RECOVER-REINSURE>                              36,055
<DEFERRED-ACQUISITION>                          88,135
<TOTAL-ASSETS>                               1,468,844
<POLICY-LOSSES>                              1,008,050
<UNEARNED-PREMIUMS>                            155,474
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        33,595
<OTHER-SE>                                     212,658
<TOTAL-LIABILITY-AND-EQUITY>                 1,468,844
<PREMIUMS>                                     191,299
<INVESTMENT-INCOME>                             55,047
<INVESTMENT-GAINS>                               1,927
<OTHER-INCOME>                                   1,480
<BENEFITS>                                     145,246
<UNDERWRITING-AMORTIZATION>                     37,447
<UNDERWRITING-OTHER>                            57,172
<INCOME-PRETAX>                                  9,888
<INCOME-TAX>                                      (15)
<INCOME-CONTINUING>                              9,903
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,903
<EPS-BASIC>                                        .98
<EPS-DILUTED>                                      .98
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0