<TABLE> <S> <C>

<ARTICLE> 7
<RESTATED>
<CURRENCY> US DOLLARS
       
<S>                             <C>                    <C>                     <C>                     <C>
<PERIOD-TYPE>                   YEAR                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1996             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               DEC-31-1996             SEP-30-1996             JUN-30-1996             MAR-31-1996
<EXCHANGE-RATE>                                      1                       1                       1                       1
<DEBT-HELD-FOR-SALE>                           620,392                 551,396                 496,504                 472,783
<DEBT-CARRYING-VALUE>                                0                       0                       0                       0
<DEBT-MARKET-VALUE>                                  0                       0                       0                       0
<EQUITIES>                                      45,877                  38,285                  30,249                  28,788
<MORTGAGE>                                           0                       0                       0                       0
<REAL-ESTATE>                                        0                       0                       0                       0
<TOTAL-INVEST>                                 666,269                 589,681                 526,753                 501,571
<CASH>                                          24,706                  38,608                  54,303                  30,097
<RECOVER-REINSURE>                                 808                  63,864                  52,833                  42,919
<DEFERRED-ACQUISITION>                          22,696                  20,987                  19,424                  20,172
<TOTAL-ASSETS>                                 941,247                 827,306                 773,375                 687,469
<POLICY-LOSSES>                                457,063                 419,334                 383,683                 351,671
<UNEARNED-PREMIUMS>                            205,348                 173,382                 156,214                 123,266
<POLICY-OTHER>                                       0                       0                       0                       0
<POLICY-HOLDER-FUNDS>                                0                       0                       0                       0
<NOTES-PAYABLE>                                 70,000                  70,000                  70,000                  70,000
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                           104                     104                     104                     104
<OTHER-SE>                                     144,671                 126,794                 118,424                 104,913
<TOTAL-LIABILITY-AND-EQUITY>                   941,247                 827,306                 773,375                 687,469
<PREMIUMS>                                     155,784                 111,404                  70,338                  33,913
<INVESTMENT-INCOME>                             32,646                  23,214                  14,825                   7,375
<INVESTMENT-GAINS>                               1,047                   (572)                   (354)                     954
<OTHER-INCOME>                                     166                     135                     287                      92
<BENEFITS>                                     105,335                  75,279                  47,501                  22,894
<UNDERWRITING-AMORTIZATION>                     27,803                  20,231                  12,969                   6,744
<UNDERWRITING-OTHER>                            21,766                  15,083                   9,141                   3,933
<INCOME-PRETAX>                                 34,739                  23,588                  15,485                   8,763
<INCOME-TAX>                                     6,634                   4,059                   2,700                   1,538
<INCOME-CONTINUING>                             28,105                  19,529                  12,785                   7,225
<DISCONTINUED>                                       0                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                    28,105                  19,529                  12,785                   7,225
<EPS-PRIMARY>                                     2.88                    1.97                    1.26                    0.64
<EPS-DILUTED>                                     2.67                    1.83                    1.17                    0.60
<RESERVE-OPEN>                                 324,416                       0                       0                       0
<PROVISION-CURRENT>                            112,107                       0                       0                       0
<PROVISION-PRIOR>                              (6,772)                       0                       0                       0
<PAYMENTS-CURRENT>                             (2,239)                       0                       0                       0
<PAYMENTS-PRIOR>                              (13,811)                       0                       0                       0
<RESERVE-CLOSE>                                457,063                       0                       0                       0
<CUMULATIVE-DEFICIENCY>                              0                       0                       0                       0
        

</TABLE>