<TABLE> <S> <C>

<ARTICLE> 7
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<DEBT-HELD-FOR-SALE>                           341,664
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                      81,718
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                 423,382
<CASH>                                          18,589
<RECOVER-REINSURE>                              12,117
<DEFERRED-ACQUISITION>                          30,227
<TOTAL-ASSETS>                                 643,817
<POLICY-LOSSES>                                210,373
<UNEARNED-PREMIUMS>                            127,106
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                      0
                                0
                                          0
<COMMON>                                        68,745
<OTHER-SE>                                      99,521
<TOTAL-LIABILITY-AND-EQUITY>                   643,817
                                     102,918
<INVESTMENT-INCOME>                             12,096
<INVESTMENT-GAINS>                                 482
<OTHER-INCOME>                                   5,257
<BENEFITS>                                      60,213
<UNDERWRITING-AMORTIZATION>                     34,036
<UNDERWRITING-OTHER>                             6,241
<INCOME-PRETAX>                                 16,640
<INCOME-TAX>                                     5,173
<INCOME-CONTINUING>                             11,467
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    11,467
<EPS-BASIC>                                       0.94
<EPS-DILUTED>                                     0.78
<RESERVE-OPEN>                                 161,353<F1>
<PROVISION-CURRENT>                             60,213
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                              11,437
<PAYMENTS-PRIOR>                                32,076
<RESERVE-CLOSE>                                178,053<F1>
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>UNPAID LOSS AND LOSS ADJUSTMENT EXPENSES DIFFER FROM THE AMOUNTS REPORTED IN
THE CONSOLIDATED FINANCIAL STATEMENTS BECAUSE OF THE INCLUSION HEREIN OF
REINSURANCE RECEIVABLES OF $32,320 AND $26,710 AT JUNE 30, 2000 AND DECEMBER
31, 1999, RESPECTIVELY.
</FN>


</TABLE>



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