<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets and statements of income and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> US $

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<DEBT-HELD-FOR-SALE>                         4,532,700
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                   1,666,000
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               6,427,700
<CASH>                                          14,200
<RECOVER-REINSURE>                             254,700
<DEFERRED-ACQUISITION>                         343,400
<TOTAL-ASSETS>                               9,704,700
<POLICY-LOSSES>                              2,416,200
<UNEARNED-PREMIUMS>                          2,781,400
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                              1,048,600
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        73,100
<OTHER-SE>                                   2,679,700
<TOTAL-LIABILITY-AND-EQUITY>                 9,704,700
<PREMIUMS>                                   5,683,600
<INVESTMENT-INCOME>                            331,200
<INVESTMENT-GAINS>                              47,200
<OTHER-INCOME>                                  52,700
<BENEFITS>                                   4,256,400
<UNDERWRITING-AMORTIZATION>                    745,000
<UNDERWRITING-OTHER>                           583,800
<INCOME-PRETAX>                                412,200
<INCOME-TAX>                                   117,000
<INCOME-CONTINUING>                            295,200
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   295,200
<EPS-BASIC>                                       4.05
<EPS-DILUTED>                                     3.96
<RESERVE-OPEN>                               1,945,800
<PROVISION-CURRENT>                          4,286,200
<PROVISION-PRIOR>                             (29,800)
<PAYMENTS-CURRENT>                           2,919,200
<PAYMENTS-PRIOR>                             1,082,800
<RESERVE-CLOSE>                              2,200,200
<CUMULATIVE-DEFICIENCY>                        (29,800)