<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND STATEMENTS OF INCOME AND IS QUALIFIED IN ITS
ENTIRETY BY REFERERNCE TO SUCH FINANCIAL STATEMENTS.


                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<DEBT-HELD-FOR-SALE>                        4,518,6000
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                   1,825,900
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                               7,056,400
<CASH>                                           8,900
<RECOVER-REINSURE>                             247,300
<DEFERRED-ACQUISITION>                         361,400
<TOTAL-ASSETS>                              10,552,800
<POLICY-LOSSES>                              2,773,100
<UNEARNED-PREMIUMS>                          3,005,300
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                              1,048,900
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        73,200
<OTHER-SE>                                   2,657,100
<TOTAL-LIABILITY-AND-EQUITY>                10,552,800
<PREMIUMS>                                   3,100,900
<INVESTMENT-INCOME>                            180,900
<INVESTMENT-GAINS>                            (41,600)
<OTHER-INCOME>                                  10,200
<BENEFITS>                                   2,653,800
<UNDERWRITING-AMORTIZATION>                    388,700
<UNDERWRITING-OTHER>                           272,400
<INCOME-PRETAX>                              (115,200)
<INCOME-TAX>                                  (54,500)
<INCOME-CONTINUING>                           (60,700)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (60,700)
<EPS-BASIC>                                      (.83)
<EPS-DILUTED>                                    (.83)
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0