<TABLE> <S> <C>

<ARTICLE>                     7
<MULTIPLIER>                  1,000

<S>                                                    <C>
<PERIOD-START>                                          JAN-01-1999
<PERIOD-TYPE>                                                 9-MOS
<FISCAL-YEAR-END>                                       DEC-31-1999
<PERIOD-END>                                            SEP-30-1999
<DEBT-HELD-FOR-SALE>                                        344,149
<DEBT-CARRYING-VALUE>                                             0
<DEBT-MARKET-VALUE>                                               0
<EQUITIES>                                                   16,913
<MORTGAGE>                                                        0
<REAL-ESTATE>                                                     0
<TOTAL-INVEST>                                              361,202
<CASH>                                                       45,016
<RECOVER-REINSURE>                                           13,336
<DEFERRED-ACQUISITION>                                      193,044
<TOTAL-ASSETS>                                              662,943
<POLICY-LOSSES>                                             254,336
<UNEARNED-PREMIUMS>                                               0
<POLICY-OTHER>                                              124,652
<POLICY-HOLDER-FUNDS>                                             0
<NOTES-PAYABLE>                                              82,879
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                        819
<OTHER-SE>                                                  157,855
<TOTAL-LIABILITY-AND-EQUITY>                                662,943
<PREMIUMS>                                                  211,366
<INVESTMENT-INCOME>                                          16,721
<INVESTMENT-GAINS>                                            4,112
<OTHER-INCOME>                                                4,661
<BENEFITS>                                                  144,332
<UNDERWRITING-AMORTIZATION>                                 (35,659)
<UNDERWRITING-OTHER>                                        105,562
<INCOME-PRETAX>                                              22,625
<INCOME-TAX>                                                  7,466
<INCOME-CONTINUING>                                          15,159
<DISCONTINUED>                                                    0
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                 15,159
<EPS-BASIC>                                                    2.00
<EPS-DILUTED>                                                  1.71
<RESERVE-OPEN>                                                    0
<PROVISION-CURRENT>                                               0
<PROVISION-PRIOR>                                                 0
<PAYMENTS-CURRENT>                                                0
<PAYMENTS-PRIOR>                                                  0
<RESERVE-CLOSE>                                                   0
<CUMULATIVE-DEFICIENCY>                                           0



</TABLE>