Consolidated Balance Sheets (USD $)	Jun. 30, 2011	Dec. 31, 2010
Available for sale:
Fixed maturities, at fair value (amortized cost: June 30, 2011 $116,259,839; December 31, 2010 $123,301,280)	$ 119,763,766	$ 126,711,982
Short-term investments, at cost	12,027,081	6,465,649
Total Investments	131,790,847	133,177,631
Cash	70,055	45,210
Accrued investment income	665,111	690,718
Premiums and notes receiveable, net	5,654,423	4,364,393
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	48,899	48,877
Unpaid losses and loss adjustment expenses	9,656,849	11,816,314
Deferred policy acquisition costs	4,377,725	4,300,927
Property and equipment (net of accumulated depreciation)	1,701,094	1,630,574
Deferred income taxes	779,668	1,059,557
Other assets	533,304	540,519
Total Assets	155,277,975	157,674,720
Unpaid losses and loss adjustment expenses	57,065,775	61,559,695
Unearned premiums	16,383,978	15,929,948
Advance premium and premium deposits	1,094,529	829,746
Income taxes payable	0	1,175
Accrued expenses and other liabilities	5,508,271	6,000,340
Total Liabilities	80,052,553	84,320,904
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,333,159 at June 30, 2011, and 5,333,081 at December 31, 2010	3,554,424	3,554,973
Accumulated other comprehensive income	2,312,592	2,251,063
Retained earnings	69,358,406	67,547,780
Total Stockholders Equity	75,225,422	73,353,816
Total Liabilities and Stockholders' Equity	$ 155,277,975	$ 157,674,720