<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