<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS FILED HEREWITH AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               DEC-31-1997
<DEBT-HELD-FOR-SALE>                               237
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                         324
<MORTGAGE>                                          11
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                     572
<CASH>                                             425<F1>
<RECOVER-REINSURE>                                 125
<DEFERRED-ACQUISITION>                              46
<TOTAL-ASSETS>                                    1540
<POLICY-LOSSES>                                    277
<UNEARNED-PREMIUMS>                                290
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                     68
<PREFERRED-MANDATORY>                              409
<PREFERRED>                                          0
<COMMON>                                            10
<OTHER-SE>                                         335
<TOTAL-LIABILITY-AND-EQUITY>                      1540
<PREMIUMS>                                         491
<INVESTMENT-INCOME>                                 37
<INVESTMENT-GAINS>                                  14
<OTHER-INCOME>                                      61
<BENEFITS>                                         218
<UNDERWRITING-AMORTIZATION>                         91
<UNDERWRITING-OTHER>                               200
<INCOME-PRETAX>                                     97
<INCOME-TAX>                                        26
<INCOME-CONTINUING>                                 66
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        66
<EPS-PRIMARY>                                     3.32
<EPS-DILUTED>                                     3.29
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Cash includes short-term investments
</FN>