<ARTICLE> 7 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <DEBT-HELD-FOR-SALE> 640,476 <DEBT-CARRYING-VALUE> 325,646 <DEBT-MARKET-VALUE> 337,165 <EQUITIES> 112,130 <MORTGAGE> 2,736 <REAL-ESTATE> 0 <TOTAL-INVEST> 1,129,173 <CASH> 15,274 <RECOVER-REINSURE> 14,282 <DEFERRED-ACQUISITION> 76,071 <TOTAL-ASSETS> 1,325,704 <POLICY-LOSSES> 898,229 <UNEARNED-PREMIUMS> 125,729 <POLICY-OTHER> 0 <POLICY-HOLDER-FUNDS> 0 <NOTES-PAYABLE> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,595 <OTHER-SE> 217,199 <TOTAL-LIABILITY-AND-EQUITY> 1,325,704 <PREMIUMS> 120,798 <INVESTMENT-INCOME> 35,775 <INVESTMENT-GAINS> 1,334 <OTHER-INCOME> 978 <BENEFITS> 95,819 <UNDERWRITING-AMORTIZATION> 23,113 <UNDERWRITING-OTHER> 38,150 <INCOME-PRETAX> 1,803 <INCOME-TAX> (1,702) <INCOME-CONTINUING> 3,505 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,505 <EPS-BASIC> .35 <EPS-DILUTED> .35 <RESERVE-OPEN> 0 <PROVISION-CURRENT> 0 <PROVISION-PRIOR> 0 <PAYMENTS-CURRENT> 0 <PAYMENTS-PRIOR> 0 <RESERVE-CLOSE> 0 <CUMULATIVE-DEFICIENCY> 0