<TABLE> <S> <C>

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<S>                                                    <C>
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<PERIOD-TYPE>                                                 6-MOS
<FISCAL-YEAR-END>                                       DEC-31-1999
<PERIOD-END>                                            JUN-30-1999
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<DEBT-CARRYING-VALUE>                                             0
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<CASH>                                                       45,382
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<DEFERRED-ACQUISITION>                                      180,843
<TOTAL-ASSETS>                                              635,302
<POLICY-LOSSES>                                             237,679
<UNEARNED-PREMIUMS>                                               0
<POLICY-OTHER>                                              116,257
<POLICY-HOLDER-FUNDS>                                             0
<NOTES-PAYABLE>                                              83,694
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<UNDERWRITING-AMORTIZATION>                                 (23,458)
<UNDERWRITING-OTHER>                                         70,504
<INCOME-PRETAX>                                              15,140
<INCOME-TAX>                                                  4,996
<INCOME-CONTINUING>                                          10,144
<DISCONTINUED>                                                    0
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<CHANGES>                                                         0
<NET-INCOME>                                                      0
<EPS-BASIC>                                                    1.34
<EPS-DILUTED>                                                  1.14
<RESERVE-OPEN>                                                    0
<PROVISION-CURRENT>                                               0
<PROVISION-PRIOR>                                                 0
<PAYMENTS-CURRENT>                                                0
<PAYMENTS-PRIOR>                                                  0
<RESERVE-CLOSE>                                                   0
<CUMULATIVE-DEFICIENCY>                                           0



</TABLE>