<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
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               DEC-31-1994
<DEBT-HELD-FOR-SALE>                         2,087,000
<DEBT-CARRYING-VALUE>                          337,600
<DEBT-MARKET-VALUE>                            343,800
<EQUITIES>                                     476,300
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               3,180,000
<CASH>                                          13,400
<RECOVER-REINSURE>                             379,700
<DEFERRED-ACQUISITION>                         161,600
<TOTAL-ASSETS>                               4,675,100
<POLICY-LOSSES>                              1,434,400
<UNEARNED-PREMIUMS>                          1,036,700
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                675,600
<COMMON>                                        71,200
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     85,800
<OTHER-SE>                                     994,900
<TOTAL-LIABILITY-AND-EQUITY>                 4,675,100
<PREMIUMS>                                   2,191,100
<INVESTMENT-INCOME>                            149,800
<INVESTMENT-GAINS>                              23,800
<OTHER-INCOME>                                  41,900
<BENEFITS>                                   1,397,300
<UNDERWRITING-AMORTIZATION>                    391,500
<UNDERWRITING-OTHER>                           150,800
<INCOME-PRETAX>                                379,800
<INCOME-TAX>                                   105,500
<INCOME-CONTINUING>                            274,300
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   274,300
<EPS-PRIMARY>                                     3.59
<EPS-DILUTED>                                     3.59
<RESERVE-OPEN>                               1,012,400
<PROVISION-CURRENT>                          1,539,800
<PROVISION-PRIOR>                            (142,500)
<PAYMENTS-CURRENT>                             894,000
<PAYMENTS-PRIOR>                               417,000
<RESERVE-CLOSE>                              1,098,700
<CUMULATIVE-DEFICIENCY>                      (142,500)