<TABLE> <S> <C>
<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE AUDITED
FINANCIAL STATEMENTS CONTAINED IN FORM 10-K OF WHICH THIS SCHEDULE FORMS A PART
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<DEBT-HELD-FOR-SALE> 1,135,277
<DEBT-CARRYING-VALUE> 0
<DEBT-MARKET-VALUE> 0
<EQUITIES> 5,324
<MORTGAGE> 0
<REAL-ESTATE> 0
<TOTAL-INVEST> 1,228,095
<CASH> 3,483
<RECOVER-REINSURE> 433,879
<DEFERRED-ACQUISITION> 5,194
<TOTAL-ASSETS> 1,852,167
<POLICY-LOSSES> 1,139,944
<UNEARNED-PREMIUMS> 97,260
<POLICY-OTHER> 0
<POLICY-HOLDER-FUNDS> 0
<NOTES-PAYABLE> 9,165
0
0
<COMMON> 166
<OTHER-SE> 266,667
<TOTAL-LIABILITY-AND-EQUITY> 1,852,167
131,740
<INVESTMENT-INCOME> 63,780
<INVESTMENT-GAINS> (706)
<OTHER-INCOME> 5,588
<BENEFITS> 217,961
<UNDERWRITING-AMORTIZATION> 0
<UNDERWRITING-OTHER> 29,345
<INCOME-PRETAX> (60,679)
<INCOME-TAX> (22,495)
<INCOME-CONTINUING> (38,184)
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (38,184)
<EPS-BASIC> (2.68)
<EPS-DILUTED> (2.67)
<RESERVE-OPEN> 647,188
<PROVISION-CURRENT> 159,837
<PROVISION-PRIOR> 58,124
<PAYMENTS-CURRENT> 5,588
<PAYMENTS-PRIOR> 153,496
<RESERVE-CLOSE> 706,065
<CUMULATIVE-DEFICIENCY> 58,124
</TABLE>