<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>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                         4,500,700
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                   1,789,900
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               6,555,100
<CASH>                                          11,000
<RECOVER-REINSURE>                             250,600
<DEFERRED-ACQUISITION>                         353,900
<TOTAL-ASSETS>                               9,974,500
<POLICY-LOSSES>                              2,591,600
<UNEARNED-PREMIUMS>                          2,904,800
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                              1,048,700
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        73,000
<OTHER-SE>                                   2,650,600
<TOTAL-LIABILITY-AND-EQUITY>                 9,974,500
<PREMIUMS>                                   1,521,000
<INVESTMENT-INCOME>                             89,000
<INVESTMENT-GAINS>                            (15,400)
<OTHER-INCOME>                                   5,200
<BENEFITS>                                   1,321,700
<UNDERWRITING-AMORTIZATION>                    191,500
<UNDERWRITING-OTHER>                           143,000
<INCOME-PRETAX>                               (81,800)
<INCOME-TAX>                                  (35,200)
<INCOME-CONTINUING>                           (46,600)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (46,600)
<EPS-BASIC>                                      (.64)
<EPS-DILUTED>                                    (.64)
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0