<TABLE> <S> <C>

<ARTICLE> 7
<RESTATED> 
<CURRENCY> US DOLLARS
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               SEP-30-1997             JUN-30-1997             MAR-31-1997
<EXCHANGE-RATE>                                      1                       1                       1
<DEBT-HELD-FOR-SALE>                           801,374                 700,651                 664,303
<DEBT-CARRYING-VALUE>                                0                       0                       0
<DEBT-MARKET-VALUE>                                  0                       0                       0
<EQUITIES>                                      56,138                  54,729                  41,556
<MORTGAGE>                                           0                       0                       0
<REAL-ESTATE>                                        0                       0                       0
<TOTAL-INVEST>                                 857,512                 755,380                 705,859
<CASH>                                          98,537                  62,923                  70,671
<RECOVER-REINSURE>                               2,752                   1,174                   1,785
<DEFERRED-ACQUISITION>                          32,385                  29,357                  24,905
<TOTAL-ASSETS>                               1,315,371               1,147,124               1,055,177
<POLICY-LOSSES>                                591,058                 545,951                 499,316
<UNEARNED-PREMIUMS>                            263,164                 238,999                 210,697
<POLICY-OTHER>                                       0                       0                       0
<POLICY-HOLDER-FUNDS>                                0                       0                       0
<NOTES-PAYABLE>                                      0                       0                       0
<PREFERRED-MANDATORY>                          125,000                 125,000                 125,000
<PREFERRED>                                          0                       0                       0
<COMMON>                                           119                     106                     105
<OTHER-SE>                                     257,745                 171,067                 147,075
<TOTAL-LIABILITY-AND-EQUITY>                 1,315,371               1,147,124               1,055,177
<PREMIUMS>                                     151,222                  96,435                  46,229
<INVESTMENT-INCOME>                             33,042                  21,360                  10,105
<INVESTMENT-GAINS>                               1,928                   1,341                   1,006
<OTHER-INCOME>                                     150                     115                     146
<BENEFITS>                                     101,543                  65,110                  31,321
<UNDERWRITING-AMORTIZATION>                     24,527                  15,442                   7,481
<UNDERWRITING-OTHER>                            28,889                  17,841                   8,584
<INCOME-PRETAX>                                 31,383                  20,858                  10,100
<INCOME-TAX>                                     5,486                   3,876                   1,686
<INCOME-CONTINUING>                             25,897                  16,982                   8,414
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                    25,897                  16,982                   8,414
<EPS-PRIMARY>                                     2.72                    1.81                    0.90
<EPS-DILUTED>                                     2.49                    1.66                    0.83
<RESERVE-OPEN>                                       0                       0                       0
<PROVISION-CURRENT>                                  0                       0                       0
<PROVISION-PRIOR>                                    0                       0                       0
<PAYMENTS-CURRENT>                                   0                       0                       0
<PAYMENTS-PRIOR>                                     0                       0                       0
<RESERVE-CLOSE>                                      0                       0                       0
<CUMULATIVE-DEFICIENCY>                              0                       0                       0
        

</TABLE>