<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 DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               SEP-30-1994
<EXCHANGE-RATE>                                      1
<DEBT-HELD-FOR-SALE>                         2,017,100
<DEBT-CARRYING-VALUE>                          339,400
<DEBT-MARKET-VALUE>                            349,000
<EQUITIES>                                     458,600
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               3,197,600
<CASH>                                          11,900
<RECOVER-REINSURE>                             387,100
<DEFERRED-ACQUISITION>                         160,400
<TOTAL-ASSETS>                               4,661,900
<POLICY-LOSSES>                              1,475,200
<UNEARNED-PREMIUMS>                          1,005,200
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                675,600
<COMMON>                                        71,300
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     87,000
<OTHER-SE>                                     931,100
<TOTAL-LIABILITY-AND-EQUITY>                 4,661,900
<PREMIUMS>                                   1,587,600
<INVESTMENT-INCOME>                            108,800
<INVESTMENT-GAINS>                              17,700
<OTHER-INCOME>                                  30,000
<BENEFITS>                                   1,047,500
<UNDERWRITING-AMORTIZATION>                    284,500
<UNDERWRITING-OTHER>                           111,700
<INCOME-PRETAX>                                235,200
<INCOME-TAX>                                    61,800
<INCOME-CONTINUING>                            173,400
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   173,400
<EPS-PRIMARY>                                     2.25
<EPS-DILUTED>                                     2.25
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0