<DOCUMENT>
<TYPE>EX-99.21
<SEQUENCE>6
<FILENAME>d54732_ex21.txt
<TEXT>
                                                                      EXHIBIT 21


                           SUBSIDIARIES OF REGISTRANT


          Registrant owns 100% of the outstanding stock of the following
          insurance companies:

           NAME                                               STATE OF FORMATION
           ----                                               ------------------
           Atlantic States Insurance Company                  Pennsylvania
           Southern Insurance Company of Virginia             Virginia

</TEXT>
</DOCUMENT>