<TABLE> <S> <C>

<ARTICLE> 7
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1994
<PERIOD-END>                               DEC-31-1995             DEC-31-1994
<DEBT-HELD-FOR-SALE>                                 0                       0
<DEBT-CARRYING-VALUE>                          801,308                 801,376
<DEBT-MARKET-VALUE>                            815,277                 745,010
<EQUITIES>                                     151,579                  95,230
<MORTGAGE>                                      73,783                  57,031
<REAL-ESTATE>                                    2,174                   1,775
<TOTAL-INVEST>                               1,042,813                 899,046
<CASH>                                          52,718                   5,485
<RECOVER-REINSURE>                              21,897                  16,892
<DEFERRED-ACQUISITION>                          61,546                  56,769
<TOTAL-ASSETS>                               1,554,744               1,377,380
<POLICY-LOSSES>                                618,791                 592,373
<UNEARNED-PREMIUMS>                            330,454                 314,719
<POLICY-OTHER>                                       0                       0
<POLICY-HOLDER-FUNDS>                                0                       0
<NOTES-PAYABLE>                                      0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        19,000                  19,000
<OTHER-SE>                                     530,714                 394,589
<TOTAL-LIABILITY-AND-EQUITY>                 1,554,744               1,377,380
<PREMIUMS>                                     592,590                 572,053
<INVESTMENT-INCOME>                             71,313                  62,901
<INVESTMENT-GAINS>                                 712                  45,612
<OTHER-INCOME>                                  19,420                  18,497
<BENEFITS>                                     367,552                 369,660
<UNDERWRITING-AMORTIZATION>                    166,741                 157,415
<UNDERWRITING-OTHER>                                 0                       0
<INCOME-PRETAX>                                149,742                 171,988
<INCOME-TAX>                                    39,541                  49,405
<INCOME-CONTINUING>                            110,201                 122,583
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   110,201                 122,583
<EPS-PRIMARY>                                     2.93                    3.23
<EPS-DILUTED>                                     2.93                    3.23
<RESERVE-OPEN>                                 448,331                 415,613
<PROVISION-CURRENT>                            442,027                 435,713
<PROVISION-PRIOR>                             (74,475)                (66,053)
<PAYMENTS-CURRENT>                           (184,182)               (188,002)
<PAYMENTS-PRIOR>                             (145,028)               (148,940)
<RESERVE-CLOSE>                                618,791                 592,373
<CUMULATIVE-DEFICIENCY>                              0                       0
        

</TABLE>