Quarterly Financial and Common Share Data

(unaudited -- not covered by report of independent accountants)

All per share amounts and stock prices were adjusted for the April 22, 2002, 3-for-1 stock split.

1) Defined as net income excluding net realized gains/losses on securities and nonrecurring items. This is a non-GAAP disclosure. See Management's Discussion and Analysis for a description of the nonrecurring items.

2)  Prices as reported on the consolidated transaction reporting system. The Company's Common Shares are listed on the New York Stock Exchange.

3)  Represents premiums earned plus service revenues.

4)  Presented on a diluted basis. The sum may not equal the total because the average equivalent shares differ in the periods.

5)  Represents annual rate of return, including quarterly dividend reinvestment.

continue to Direct Premiums Written by State