<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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<DEBT-HELD-FOR-SALE>                         2,201,800
<DEBT-CARRYING-VALUE>                          321,000
<DEBT-MARKET-VALUE>                            329,000
<EQUITIES>                                     439,400
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               3,260,700
<CASH>                                          15,200
<RECOVER-REINSURE>                             387,700
<DEFERRED-ACQUISITION>                         170,900
<TOTAL-ASSETS>                               4,850,900
<POLICY-LOSSES>                              1,486,000
<UNEARNED-PREMIUMS>                          1,093,100
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                675,700
<COMMON>                                        71,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     85,800
<OTHER-SE>                                   1,084,300
<TOTAL-LIABILITY-AND-EQUITY>                 4,850,900
<PREMIUMS>                                     624,300
<INVESTMENT-INCOME>                             42,700
<INVESTMENT-GAINS>                              15,400
<OTHER-INCOME>                                   9,300
<BENEFITS>                                     436,900
<UNDERWRITING-AMORTIZATION>                    106,600
<UNDERWRITING-OTHER>                            44,000
<INCOME-PRETAX>                                 81,500
<INCOME-TAX>                                    20,800
<INCOME-CONTINUING>                             60,700
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    60,700
<EPS-PRIMARY>                                      .79
<EPS-DILUTED>                                      .79
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0