CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2012	Dec. 31, 2011
Investments
Debt maturities, available for sale, at fair value	$ 109,954	$ 104,311
Debt maturities, held to maturity, at amortized cost	7,113	7,128
Equity securities, available for sale, at fair value	18,533	18,028
Total investments	135,600	129,467
Cash and short term investments	21,430	15,205
Prepaid reinsurance premiums	2,421	8,339
Premiums receivable, net of allowance for credit losses of $59 and $73, respectively	8,094	5,616
Reinsurance recoverable, net	1,697	2,087
Deferred policy acquisition costs	9,436	7,718
Deferred income taxes, net	6,105	8,612
Property, plant and equipment, net	805	842
Other assets	1,944	2,094
Total assets	187,532	179,980
LIABILITIES AND SHAREHOLDERS' EQUITY
Unpaid losses and LAE	53,000	59,983
Unearned premiums	61,601	47,933
Premiums deposits and customer credit balances	2,246	2,804
Bank overdraft	5,846	7,930
Income taxes payable	39	77
Accounts payable and accrued expenses	2,128	3,109
Total liabilities	124,860	121,836
Shareholders' equity:
Common stock, $0.01 par value. Authorized 25,000,000 shares; issued and outstanding 7,947,384 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	51,088	50,940
Accumulated other comprehensive income
Unrealized net gains on investments, available for sale	2,763	877
Total accumulated other comprehensive income	2,763	877
Retained earnings	8,742	6,248
Total shareholders' equity	62,672	58,144
Total liabilities and shareholders' equity	$ 187,532	$ 179,980