CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012
Investments
Debt maturities, available for sale, at fair value	$ 107,764	$ 101,755
Debt maturities, held to maturity, at amortized cost	6,849	7,359
Equity securities, available for sale, at fair value	27,108	20,982
Total investments	141,721	130,096
Cash and short term investments	28,193	21,143
Prepaid reinsurance premiums	4,063	7,045
Premiums receivable, net of allowance for credit losses of $69 and $69, respectively	12,683	8,023
Reinsurance recoverable, net	3,586	3,503
Deferred policy acquisition costs	10,140	8,479
Deferred income taxes, net	2,637	4,338
Income taxes receivable	0	39
Property, plant and equipment, net	883	564
Other assets	2,120	2,658
Total assets	206,026	185,888
LIABILITIES AND SHAREHOLDERS' EQUITY
Unpaid losses and LAE	47,565	49,908
Unearned premiums	73,293	59,006
Premiums deposits and customer credit balances	3,722	2,458
Bank overdraft	6,350	5,987
Income taxes payable	77	0
Accounts payable and accrued expenses	6,350	2,624
Total liabilities	137,357	119,983
Shareholders' equity:
Common stock, $0.01 par value. Authorized 25,000,000 shares; issued and outstanding 7,984,922 and 7,979,488, respectively	80	80
Preferred stock, $0.01 par value. Authorized 1,000,000 shares; none issued or outstanding	0	0
Additional paid-in capital	51,445	51,356
Accumulated other comprehensive income
Unrealized net gains on investments, available for sale	4,806	4,067
Total accumulated other comprehensive income	4,806	4,067
Retained earnings	12,338	10,402
Total shareholders' equity	68,669	65,905
Total liabilities and shareholders' equity	$ 206,026	$ 185,888