<TABLE> <S> <C>

<PAGE>
<ARTICLE> 7
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<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997
<DEBT-HELD-FOR-SALE>                           706,601                 729,442                 738,532
<DEBT-CARRYING-VALUE>                           52,015                  50,668                  48,962
<DEBT-MARKET-VALUE>                             50,891                  50,717                  49,700
<EQUITIES>                                      36,123                  31,683                  34,199
<MORTGAGE>                                           0                       0                       0
<REAL-ESTATE>                                        0                       0                       0
<TOTAL-INVEST>                                 843,890                 856,838                 872,151
<CASH>                                          11,826                  10,968                  12,315
<RECOVER-REINSURE>                                   0                       0                   7,241
<DEFERRED-ACQUISITION>                          20,772                  21,778                  22,129
<TOTAL-ASSETS>                               1,232,398               1,254,461               1,266,600
<POLICY-LOSSES>                                621,826                 827,431                 619,396
<UNEARNED-PREMIUMS>                            128,818                 135,017                 138,349
<POLICY-OTHER>                                       0                       0                       0
<POLICY-HOLDER-FUNDS>                            8,250                   6,288                   6,402
<NOTES-PAYABLE>                                 87,975                  87,547                  88,439
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        24,525                  24,542                  24,627
<OTHER-SE>                                     310,371                 320,985                 335,234
<TOTAL-LIABILITY-AND-EQUITY>                   334,896               1,254,461               1,266,600
<PREMIUMS>                                     122,363                 248,194                 368,669
<INVESTMENT-INCOME>                             12,448                  25,854                  39,126
<INVESTMENT-GAINS>                               1,876                   3,872                   5,733
<OTHER-INCOME>                                   9,963                  21,137                  32,617
<BENEFITS>                                      87,767                 176,947                 258,051
<UNDERWRITING-AMORTIZATION>                     23,114                  46,362                  69,196
<UNDERWRITING-OTHER>                            15,176                  31,619                  49,088
<INCOME-PRETAX>                                 10,721                  22,944                  35,454
<INCOME-TAX>                                     3,621                   7,944                  12,454
<INCOME-CONTINUING>                              7,100                  15,000                  23,000
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     7,100                  15,000                  23,000
<EPS-PRIMARY>                                     0.40                    0.85                    1.30
<EPS-DILUTED>                                     0.40                    0.84                    1.29
<RESERVE-OPEN>                                       0                       0                       0
<PROVISION-CURRENT>                                  0                       0                       0
<PROVISION-PRIOR>                                    0                       0                       0
<PAYMENTS-CURRENT>                                   0                       0                       0
<PAYMENTS-PRIOR>                                     0                       0                       0
<RESERVE-CLOSE>                                      0                       0                       0
<CUMULATIVE-DEFICIENCY>                              0                       0                       0
        

</TABLE>