CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) In Thousands, except Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Revenue:
Gross premiums written	$ 17,654	$ 17,698	$ 72,800	$ 72,317
Gross premiums ceded	(29,657)	(29,526)	(44,672)	(51,352)
Net premiums written	(12,003)	(11,828)	28,128	20,965
Increase in prepaid reinsurance premiums	18,001	16,194	7,367	9,555
Decrease in unearned premiums	6,894	7,255	201	3,008
Net change in prepaid reinsurance premiums and unearned premiums	24,895	23,449	7,568	12,563
Net premiums earned	12,892	11,621	35,696	33,528
Commission income	253	399	858	1,343
Finance revenue	175	110	411	286
Managing general agent fees	288	310	1,201	1,243
Net investment income	1,031	925	3,054	2,871
Net realized investment gains	713	1,864	1,052	5,688
Regulatory assessments recovered	0	115	109	682
Other income	842	135	1,113	653
Total revenue	16,194	15,479	43,494	46,294
Expenses:
Losses and LAE	7,852	8,669	24,116	27,930
Operating and underwriting expenses	2,271	2,542	7,529	8,271
Salaries and wages	1,973	2,146	6,062	6,394
Policy acquisition costs - amortization	3,556	3,913	9,534	10,408
Total expenses	15,652	17,270	47,241	53,003
Income (loss) before provision for income tax expense (benefit)	542	(1,791)	(3,747)	(6,709)
Provision for income tax expense (benefit)	114	(523)	(1,363)	(2,165)
Net income (loss)	$ 428	$ (1,268)	$ (2,384)	$ (4,544)
Net income (loss) per share - basic (in dollars per share)	$ 0.05	$ (0.16)	$ (0.30)	$ (0.57)
Net income (loss) per share - diluted (in dollars per share)	$ 0.05	$ (0.16)	$ (0.30)	$ (0.57)
Weighted average number of common shares outstanding - basic (in shares)	7,946,384	7,946,384	7,946,384	7,946,384
Weighted average number of common shares outstanding - diluted (in shares)	7,946,384	7,946,384	7,946,384	7,946,384
Dividends paid per share (in dollars per share)	$ 0	$ 0	$ 0	$ 0.06