Worcester, Massachusetts-based The Hanover Insurance Company , founded in 1852,
and Howell, Michigan-based Citizens Insurance Company of America, founded in
1915 , offer a range of property and casualty insurance coverages to
individuals, families and businesses through a network of independent agents.

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"This newly-defined territory within our Southern region presents
tremendous opportunity for our organization.

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, Citizens and Hanover
Insurance Companies have named Douglas H.

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In this role, he will
manage all aspects of sales and distribution for the companies' commercial and
personal lines operations in Maryland, Virginia, North Carolina, South
Carolina and Pennsylvania, further developing the companies' presence in these
areas.

CONTACTS:
Investors: Media:
Sujata Mutalik Todd M.

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Doug's extensive experience in
underwriting, marketing and distribution management, coupled with his
knowledge of the region, better position us to deliver the world class
products and services our agents and their customers in the region need and
deserve," said Robin A.com

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WORCESTER , Mass.

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"
McDonough comes to Citizens and Hanover from St.

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, The winning "Big Game -- Mega
Millions " numbers (in ascending order) for last night's (Jan. 18, 2005)
drawing were:

5/52 THE BIG GAME -- MEGA 1/52 BIG GAME -- MEGA MILLIONS
MILLIONS NUMBERS "GOLD" MEGA BALL NUMBER

10 23 28 39 51 05

Total Number of Winners by category in all states and in Michigan:

Match Match Total Number Prize Amount Number of
Pool 1 Pool 2 of Winners Per Winner Winners in
Michigan
5 1 1 NO WINNER 0
5 0 23 $175,000 1
4 1 54 $5,000 4
4 0 2,957 $150 272
3 1 2,923 $150 310
2 1 45,307 $10 4,483
3 0 140,153 $7 13,684
1 1 259,183 $3 25,241
0 1 447,037 $2 43,591

Total 897,638 Total 87,586

Jackpot Winner(s) Sold (City, State):
Georgia: WASHINGTON
Illinois:
Massachusetts:
Maryland:
Michigan:
New Jersey:
New York:
Ohio:
Texas:
Virginia:
Washington:

The estimated jackpot for the next drawing Friday, January 21, 2005 is
$10 million. McDonough, please contact
Todd Peckham using the e-mail address or telephone number below.

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Citizens and Hanover Insurance Companies Name Douglas H. McDonough Regional President

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The 'Mega Millions' Winning Numbers Drawn Tuesday January 18 2005

Paul Travelers , where he
served for the last year as vice president and regional executive of the
company's commercial lines operations for the Mid Atlantic region.
From 1998 to early 2004, McDonough was the regional executive for the St.

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Nicks, president of Citizens and Hanover Insurance
Companies' Southern region . He will be based out of the
company's Richmond office.

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McDonough regional president of its
emerging Mid Atlantic region, effective immediately.

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"We're very pleased to have Doug as part of our
team .

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Citizens and Hanover Insurance Companies together are ranked among the top
35 property and casualty insurers in the country and are subsidiaries of
Allmerica Financial Corporation (NYSE: AFC ), a Fortune 500 company.

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LANSING, Mich.
Paul Companies' middle market business, responsible for distribution
management and operations of the company's Mid Atlantic region.

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McDonough holds a bachelor's degree in economics and business management
from Ramapo College in Mahwah, New Jersey .

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Note to editors: For a photograph of Douglas H. Peckham
(508) 855-3457 (508) 855-4460
tpeckham@allmerica .

Former winner of the Walt Whitman Award.

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McDonough
also was responsible for distribution management and operations for all other
business units in the region. Prior to this
time, he held senior management positions with United States Fidelity +
Guaranty Company (USF+G), the Home Insurance Company and The Hartford Group.

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