
<TABLE> <S> <C>

<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AS OF SEPTEMBER 30, 1995 AND THE RELATED STATEMENT OF EARNINGS FOR THE
NINE MONTHS ENDED SEPTEMBER 30, 1995 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<DEBT-HELD-FOR-SALE>                           174,812
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                           0
<MORTGAGE>                                       3,445
<REAL-ESTATE>                                    3,059
<TOTAL-INVEST>                                 208,653<F1>
<CASH>                                          19,306
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                               0
<TOTAL-ASSETS>                                 348,977
<POLICY-LOSSES>                                137,402
<UNEARNED-PREMIUMS>                                  0
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                 15,893
<COMMON>                                         6,372
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     162,842
<TOTAL-LIABILITY-AND-EQUITY>                   348,977
<PREMIUMS>                                     191,201
<INVESTMENT-INCOME>                             10,011
<INVESTMENT-GAINS>                                 600
<OTHER-INCOME>                                     728
<BENEFITS>                                      22,234
<UNDERWRITING-AMORTIZATION>                          0
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                  5,546
<INCOME-TAX>                                     1,797
<INCOME-CONTINUING>                              3,749
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,749
<EPS-PRIMARY>                                      .60
<EPS-DILUTED>                                      .60
<RESERVE-OPEN>                                 134,316
<PROVISION-CURRENT>                             21,172
<PROVISION-PRIOR>                                1,062
<PAYMENTS-CURRENT>                               5,109
<PAYMENTS-PRIOR>                                14,039
<RESERVE-CLOSE>                                137,402
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Includes short-term investments.
</FN>
        

</TABLE>
