CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
Investments
Debt maturities, available for sale, at fair value	$ 116,506	$ 104,311
Debt maturities, held to maturity, at amortized cost	7,455	7,128
Equity securities, available for sale, at fair value	21,070	18,028
Total investments	145,031	129,467
Cash and short term investments	10,935	15,205
Prepaid reinsurance premiums	5,386	8,339
Premiums receivable, net of allowance for credit losses of $64 and $73, respectively	8,136	5,616
Reinsurance recoverable, net	2,205	2,087
Deferred policy acquisition costs	8,484	7,718
Deferred income taxes, net	4,482	8,612
Income taxes receivable	70	0
Property, plant and equipment, net	777	842
Other assets	1,679	2,094
Total assets	187,185	179,980
LIABILITIES AND SHAREHOLDERS' EQUITY
Unpaid losses and LAE	51,177	59,983
Unearned premiums	58,916	47,933
Premiums deposits and customer credit balances	2,055	2,804
Bank overdraft	6,226	7,930
Income taxes payable	0	77
Accounts payable and accrued expenses	3,321	3,109
Total liabilities	121,695	121,836
Shareholders' equity:
Common stock, $0.01 par value. Authorized 25,000,000 shares; issued and outstanding 7,951,218 and 7,946,384, respectively	80	79
Preferred stock, $0.01 par value. Authorized 1,000,000 shares; none issued or outstanding	0	0
Additional paid-in capital	51,172	50,940
Accumulated other comprehensive income
Unrealized net gains on investments, available for sale	4,746	877
Total accumulated other comprehensive income	4,746	877
Retained earnings	9,492	6,248
Total shareholders' equity	65,490	58,144
Total liabilities and shareholders' equity	$ 187,185	$ 179,980