INCOME TAXES (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Federal [Abstract]
Current	$ 63	$ 310	$ (1,701)
Deferred	2,052	(490)	(1,928)
Provision for Federal income tax expense (benefit)	2,115	(180)	(3,629)
State [Abstract]
Current	0	0	0
Deferred	320	(390)	(330)
Provision for state income tax expense (benefit)	320	(390)	(330)
Provision for income tax expense (benefit)	2,435	(570)	(3,959)
Components of effective federal and state tax rates to income before provision for income tax benefit [Abstract]
Computed expected tax benefit, at federal rate	2,294	(341)	(4,065)
State tax, net of federal deduction expense (benefit)	245	(36)	(434)
Tax-exempt interest	(26)	(41)	(211)
Dividend received deduction	(88)	(80)	(99)
Stock option expense and other permanent differences	72	87	114
Intercompany	0	0	223
AMT tax credit	(113)	0	0
Other	51	(159)	513
Provision for income tax expense (benefit)	2,435	(570)	(3,959)
Deferred tax assets [Abstract]
Unpaid losses and loss adjustment expenses	1,725	2,385
Unearned premiums	2,629	1,950
Discount on advance premiums	167	195
Allowance for credit losses	31	34
Allowance for impairments	91	317
FIGA Guaranty Assessment	306	0
Depreciation & amortization	366	317
Reserve for claims settlements	809	809
NOL Carryforward	3,259	5,696
AMT credit	253	0
Stock option expense per ASC 718	432	410
Total deferred tax assets	10,068	12,113
Deferred tax liabilities [Abstract]
Deferred acquisition costs, net	(3,191)	(2,905)
Dividends Collected vs. Earned	(18)	0
Regulatory assessments	(67)	(67)
Unrealized Gain on investment securities	(2,454)	(529)
Total deferred tax liabilities	(5,730)	(3,501)
Net deferred tax asset	$ 4,338	$ 8,612