<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<DEBT-HELD-FOR-SALE>                         2,624,200
<DEBT-CARRYING-VALUE>                          301,100
<DEBT-MARKET-VALUE>                            310,700
<EQUITIES>                                     592,800
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               3,709,200
<CASH>                                          18,000
<RECOVER-REINSURE>                             361,400
<DEFERRED-ACQUISITION>                         183,700
<TOTAL-ASSETS>                               5,275,700
<POLICY-LOSSES>                              1,604,900
<UNEARNED-PREMIUMS>                          1,193,300
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                675,700
<COMMON>                                        72,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     85,000
<OTHER-SE>                                   1,235,500
<TOTAL-LIABILITY-AND-EQUITY>                 5,275,700
<PREMIUMS>                                   2,011,000
<INVESTMENT-INCOME>                            139,900
<INVESTMENT-GAINS>                              42,800
<OTHER-INCOME>                                  29,000
<BENEFITS>                                   1,435,400
<UNDERWRITING-AMORTIZATION>                    339,800
<UNDERWRITING-OTHER>                           128,700
<INCOME-PRETAX>                                253,600
<INCOME-TAX>                                    69,500
<INCOME-CONTINUING>                            184,100
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   184,100
<EPS-PRIMARY>                                     2.40
<EPS-DILUTED>                                     2.39
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0