<TABLE> <S> <C>

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<S>                                                    <C>
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<PERIOD-TYPE>                                                 3-MOS
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<PERIOD-END>                                            MAR-31-1999
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<POLICY-LOSSES>                                             215,420
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<UNDERWRITING-AMORTIZATION>                                 (11,070)
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<DISCONTINUED>                                                    0
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<CHANGES>                                                         0
<NET-INCOME>                                                  4,904
<EPS-PRIMARY>                                                  0.65
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<PAYMENTS-PRIOR>                                                  0
<RESERVE-CLOSE>                                                   0
<CUMULATIVE-DEFICIENCY>                                           0
        

</TABLE>