<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