CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Cash flow from operating activities:
Net income	$ 2,335	$ 1,072
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of investment premium discount, net	337	323
Depreciation and amortization of property plant and equipment, net	53	48
Net realized investment (gains) losses	(813)	10
Provision for credit losses, net	0	0
Recovery for uncollectible premiums receivable	0	(2)
Non-cash compensation	48	42
Changes in operating assets and liabilities:
Premiums receivable	(4,660)	(1,732)
Prepaid reinsurance premiums	2,983	3,220
Reinsurance recoverable, net	(83)	307
Income taxes recoverable	39	0
Deferred income tax expense, net of other comprehensive income	1,255	504
Policy acquisition costs, net of amortization	(1,661)	(869)
Other assets	538	(2,854)
Unpaid losses and LAE	(2,342)	(4,675)
Unearned premiums	14,283	6,749
Premium deposits and customer credit balances	1,264	358
Income taxes payable	77	48
Bank overdraft	363	(706)
Accounts payable and accrued expenses	3,726	(740)
Net cash provided by operating activities	17,742	1,103
Cash flow used by investing activities:
Proceeds from sale of investment securities	44,167	18,257
Purchases of investment securities available for sale	(54,130)	(19,090)
Purchases of property and equipment	(372)	(20)
Net cash used by investing activities	(10,335)	(853)
Cash flow (used) provided by financing activities:
Exercised stock options	17	0
Dividends paid	(399)	0
Tax benefit related to non-cash compensation	25	21
Net cash (used) provided by financing activities	(357)	21
Net increase in cash and short term investments	7,050	271
Cash and short term investments at beginning of period	21,143	15,205
Cash and short term investments at end of period	28,193	15,476
Cash paid during the period for:
Income taxes	20	0
Non-cash investing and finance activities:
Accrued dividends payable	$ 399	$ 0