CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2012	Dec. 31, 2011
Investments
Debt maturities, available for sale, at fair value	$ 106,284	$ 104,311
Debt maturities, held to maturity, at amortized cost	7,171	7,128
Equity securities, available for sale, at fair value	18,394	18,028
Total investments	131,849	129,467
Cash and short term investments	15,476	15,205
Prepaid reinsurance premiums	5,120	8,339
Premiums receivable, net of allowance for credit losses of $75 and $73, respectively	7,350	5,616
Reinsurance recoverable, net	1,780	2,087
Deferred policy acquisition costs	8,588	7,718
Deferred income taxes, net	7,399	8,612
Property, plant and equipment, net	814	842
Other assets	4,948	2,094
Total assets	183,324	179,980
LIABILITIES AND SHAREHOLDERS' EQUITY
Unpaid losses and LAE	55,308	59,983
Unearned premiums	54,682	47,933
Premiums deposits and customer credit balances	3,162	2,804
Bank overdraft	7,223	7,930
Income taxes payable	125	77
Accounts payable and accrued expenses	2,370	3,109
Total liabilities	122,870	121,836
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	51,004	50,940
Accumulated other comprehensive income	2,051	877
Retained earnings	7,320	6,248
Total shareholders' equity	60,454	58,144
Total liabilities and shareholders' equity	$ 183,324	$ 179,980