CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2011	Dec. 31, 2010
Investments
Debt maturities, available for sale, at fair value	$ 104,311	$ 98,350
Debt maturities, held to maturity, at amortized cost	7,128	6,198
Equity securities, available for sale, at fair value	18,028	17,937
Total investments	129,467	122,485
Cash and short term investments	15,205	16,206
Prepaid reinsurance premiums	8,339	10,416
Premiums receivable, net of allowance for credit losses of $73 and $68, respectively	5,616	5,639
Reinsurance recoverable, net	2,087	8,038
Deferred policy acquisition costs	7,718	7,879
Deferred income taxes, net	8,612	7,916
Income taxes receivable	0	2,393
Property, plant and equipment, net	842	767
Other assets	2,094	2,310
Total assets	179,980	184,049
LIABILITIES AND SHAREHOLDERS' EQUITY
Unpaid losses and LAE	59,983	66,529
Unearned premiums	47,933	47,136
Premiums deposits and customer credit balances	2,804	2,364
Bank overdraft	7,930	7,430
Income taxes payable	77	0
Deferred gain from sale of property	0	506
Accounts payable and accrued expenses	3,109	2,153
Total liabilities	121,836	126,118
Shareholders' equity:
Common stock, $0.01 par value. Authorized 25,000,000 shares; issued and outstanding 7,946,384 and 7,946,384, respectively.	79	79
Preferred stock, $0.01 par value. Authorized 1,000,000 shares; none issued or outstanding	0	0
Additional paid-in capital	50,940	50,654
Accumulated other comprehensive income	877	520
Retained earnings	6,248	6,678
Total shareholders' equity	58,144	57,931
Total liabilities and shareholders' equity	$ 179,980	$ 184,049