<ARTICLE>                                           7

                                                
<PERIOD-TYPE>                                      Year
<FISCAL-YEAR-END>                           Dec-31-1999
<PERIOD-END>                                Dec-31-1999
<DEBT-HELD-FOR-SALE>                          2,116,416
<DEBT-CARRYING-VALUE>                                 0
<DEBT-MARKET-VALUE>                                   0
<EQUITIES>                                       23,606
<MORTGAGE>                                            0
<REAL-ESTATE>                                         0
<TOTAL-INVEST>                                2,140,022
<CASH>                                            6,284
<RECOVER-REINSURE>                                9,492
<DEFERRED-ACQUISITION>                          198,048
<TOTAL-ASSETS>                                2,905,644
<POLICY-LOSSES>                                  87,309
<UNEARNED-PREMIUMS>                             844,146
<POLICY-OTHER>                                        0
<POLICY-HOLDER-FUNDS>                                 0
<NOTES-PAYABLE>                                 230,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                         700
<COMMON>                                        837,190
<OTHER-SE>                                      414,794
<TOTAL-LIABILITY-AND-EQUITY>                  2,905,644
<PREMIUMS>                                      174,959
<INVESTMENT-INCOME>                              94,723
<INVESTMENT-GAINS>                              (13,301)
<OTHER-INCOME>                                    1,323
<BENEFITS>                                        8,829
<UNDERWRITING-AMORTIZATION>                      39,809
<UNDERWRITING-OTHER>                             43,043
<INCOME-PRETAX>                                 163,978
<INCOME-TAX>                                     38,573
<INCOME-CONTINUING>                             125,405
<DISCONTINUED>                                        0
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                    125,405
<EPS-BASIC>                                           0
<EPS-DILUTED>                                      3.89
<RESERVE-OPEN>                                   65,586
<PROVISION-CURRENT>                               8,575
<PROVISION-PRIOR>                                   254
<PAYMENTS-CURRENT>                                    0
<PAYMENTS-PRIOR>                                  3,402
<RESERVE-CLOSE>                                  77,817
<CUMULATIVE-DEFICIENCY>                               0