<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheet and consolidated statement of operations of
Chandler (U.S.A.) Inc. as of and for the year ended December 31, 1998
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<DEBT-HELD-FOR-SALE>                            84,269
<DEBT-CARRYING-VALUE>                            1,183
<DEBT-MARKET-VALUE>                              1,332
<EQUITIES>                                         191
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                  85,643
<CASH>                                           9,304
<RECOVER-REINSURE>                               2,760
<DEFERRED-ACQUISITION>                            (80)
<TOTAL-ASSETS>                                 223,351
<POLICY-LOSSES>                                 80,701
<UNEARNED-PREMIUMS>                             50,647
<POLICY-OTHER>                                   4,936
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                  9,410
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             2
<OTHER-SE>                                      49,259
<TOTAL-LIABILITY-AND-EQUITY>                   223,351
<PREMIUMS>                                      52,424
<INVESTMENT-INCOME>                              4,904
<INVESTMENT-GAINS>                               1,036
<OTHER-INCOME>                                   1,744
<BENEFITS>                                      36,042
<UNDERWRITING-AMORTIZATION>                     10,735
<UNDERWRITING-OTHER>                            12,545
<INCOME-PRETAX>                                    786
<INCOME-TAX>                                       353
<INCOME-CONTINUING>                                433
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       433
<EPS-PRIMARY>                                   174.10
<EPS-DILUTED>                                   174.10
<RESERVE-OPEN>                                  54,035
<PROVISION-CURRENT>                             34,313
<PROVISION-PRIOR>                                1,729
<PAYMENTS-CURRENT>                              19,495
<PAYMENTS-PRIOR>                                30,243
<RESERVE-CLOSE>                                 39,921
<CUMULATIVE-DEFICIENCY>                          1,729