<TABLE> <S> <C>

<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
audited consolidated financial statements included in the Annual Report on
Form 10-K and is qualified in its entirety by reference to such financial
statements.
</LEGEND>

<S>                                                   <C>
<PERIOD-TYPE>                                                   YEAR
<FISCAL-YEAR-END>                                         DEC-31-1999
<PERIOD-END>                                              DEC-31-1999
<DEBT-HELD-FOR-SALE>                                          250,389
<DEBT-CARRYING-VALUE>                                               0
<DEBT-MARKET-VALUE>                                                 0
<EQUITIES>                                                     25,081
<MORTGAGE>                                                      8,914
<REAL-ESTATE>                                                   3,182
<TOTAL-INVEST>                                                423,618
<CASH>                                                          2,579
<RECOVER-REINSURE>                                             43,999
<DEFERRED-ACQUISITION>                                         17,495
<TOTAL-ASSETS>                                              1,278,312
<POLICY-LOSSES>                                               781,377
<UNEARNED-PREMIUMS>                                           127,938
<POLICY-OTHER>                                                      0
<POLICY-HOLDER-FUNDS>                                               0
<NOTES-PAYABLE>                                                94,875
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                        6,198
<OTHER-SE>                                                    174,760
<TOTAL-LIABILITY-AND-EQUITY>                                1,278,312
<PREMIUMS>                                                    248,712
<INVESTMENT-INCOME>                                            25,064
<INVESTMENT-GAINS>                                             10,203
<OTHER-INCOME>                                                      0
<BENEFITS>                                                    218,789
<UNDERWRITING-AMORTIZATION>                                    76,558
<UNDERWRITING-OTHER>                                           31,971
<INCOME-PRETAX>                                               (57,056)
<INCOME-TAX>                                                  (21,436)
<INCOME-CONTINUING>                                           (35,620)
<DISCONTINUED>                                                      0
<EXTRAORDINARY>                                                     0
<CHANGES>                                                        (338)
<NET-INCOME>                                                  (35,958)
<EPS-BASIC>                                                   (2.52)
<EPS-DILUTED>                                                   (2.52)
<RESERVE-OPEN>                                                285,975
<PROVISION-CURRENT>                                           174,762
<PROVISION-PRIOR>                                              44,027
<PAYMENTS-CURRENT>                                            133,563
<PAYMENTS-PRIOR>                                               92,361
<RESERVE-CLOSE>                                               278,840
<CUMULATIVE-DEFICIENCY>                                        44,027



</TABLE>