<TABLE> <S> <C>

<ARTICLE>                        7
<MULTIPLIER>                  1,000

<S>                                          <C>
<PERIOD-TYPE>                               9-MOS
<FISCAL-YEAR-END>                                      DEC-31-1999
<PERIOD-START>                                         JAN-01-1999
<PERIOD-END>                                           SEP-30-1999
<DEBT-HELD-FOR-SALE>                                     1,258,379
<DEBT-CARRYING-VALUE>                                            0
<DEBT-MARKET-VALUE>                                              0
<EQUITIES>                                                  71,721
<MORTGAGE>                                                       0
<REAL-ESTATE>                                                8,049
<TOTAL-INVEST>                                           1,478,927
<CASH>                                                      22,828
<RECOVER-REINSURE>                                         518,638
<DEFERRED-ACQUISITION>                                     124,785
<TOTAL-ASSETS>                                           2,683,103
<POLICY-LOSSES>                                          1,255,834
<UNEARNED-PREMIUMS>                                        626,714
<POLICY-OTHER>                                                   0
<POLICY-HOLDER-FUNDS>                                            0
<NOTES-PAYABLE>                                            132,300
<COMMON>                                                       376
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<OTHER-SE>                                                 178,166
<TOTAL-LIABILITY-AND-EQUITY>                             2,683,103
<PREMIUMS>                                                 428,358
<INVESTMENT-INCOME>                                         58,059
<INVESTMENT-GAINS>                                           5,415
<OTHER-INCOME>                                                   0
<BENEFITS>                                                 388,921
<UNDERWRITING-AMORTIZATION>                                 96,811
<UNDERWRITING-OTHER>                                        78,081
<INCOME-PRETAX>                                           (85,473)
<INCOME-TAX>                                                57,580
<INCOME-CONTINUING>                                      (143,053)
<DISCONTINUED>                                                   0
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                             (143,053)
<EPS-BASIC>                                               (4.05)
<EPS-DILUTED>                                               (4.05)
<RESERVE-OPEN>                                             632,850
<PROVISION-CURRENT>                                        280,748
<PROVISION-PRIOR>                                                0
<PAYMENTS-CURRENT>                                          53,159
<PAYMENTS-PRIOR>                                           175,120
<RESERVE-CLOSE>                                            777,866
<CUMULATIVE-DEFICIENCY>                                   (92,547)




</TABLE>