<TABLE> <S> <C>

<ARTICLE> 7
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
FINANCIAL  STATEMENTS  FILED  HEREWITH  AND  IS  QUALIFIED  IN ITS  ENTIRETY  BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000

<S>                                               <C>
<PERIOD-TYPE>                                       YEAR
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-END>                                        DEC-31-1999
<DEBT-HELD-FOR-SALE>                               478
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                         382
<MORTGAGE>                                          11
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                     871
<CASH>                                             127 <F1>
<RECOVER-REINSURE>                                 850
<DEFERRED-ACQUISITION>                              53
<TOTAL-ASSETS>                                    2263
<POLICY-LOSSES>                                    782
<UNEARNED-PREMIUMS>                                420
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                     67
<PREFERRED-MANDATORY>                              409 <F2>
<PREFERRED>                                          0
<COMMON>                                            10
<OTHER-SE>                                         367
<TOTAL-LIABILITY-AND-EQUITY>                      2263
<PREMIUMS>                                         382
<INVESTMENT-INCOME>                                 64
<INVESTMENT-GAINS>                                  41
<OTHER-INCOME>                                     120
<BENEFITS>                                         166
<UNDERWRITING-AMORTIZATION>                         89
<UNDERWRITING-OTHER>                               225 <F3>
<INCOME-PRETAX>                                    109
<INCOME-TAX>                                        36
<INCOME-CONTINUING>                                 73
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        73
<EPS-BASIC>                                       2.51<F4>
<EPS-DILUTED>                                     2.50<F5>
<RESERVE-OPEN>                                     558
<PROVISION-CURRENT>                                653
<PROVISION-PRIOR>                                   32
<PAYMENTS-CURRENT>                                 165
<PAYMENTS-PRIOR>                                   296
<RESERVE-CLOSE>                                    782
<CUMULATIVE-DEFICIENCY>                              0


<FN>
<F1>Cash includes short-term investments.
<F2>Company obligated mandatorily  redeemable capital securities and convertible
capital securities  classified at mezzanine level on Consolidated  Statements of
Financial Position.
<F3>Includes  engineering  services,  underwriting  and  inspection and interest
expense.
<F4>Per SFAS No. 128 "Earnings per Share", this item represents EPS-Basic.
<F5>Per SFAS No. 128 "Earnings  per Share",  this item  represents  EPS-Assuming
Dilution.
</FN>


</TABLE>