INCOME TAXES (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Federal [Abstract]
Current	$ 4,289	$ 63	$ 310
Deferred	1,393	2,052	(490)
Provision for Federal income tax expense (benefit)	5,682	2,115	(180)
State [Abstract]
Current	0	0	0
Deferred	809	320	(390)
Provision for state income tax expense (benefit)	809	320	(390)
Provision for income tax expense (benefit)	6,491	2,435	(570)
Components of effective federal and state tax rates to income before provision for income tax benefit [Abstract]
Computed expected tax expense (benefit) provision, at federal rate	6,535	2,294	(341)
State tax, net of federal deduction expense (benefit)	698	245	(36)
Tax-exempt interest	(31)	(26)	(41)
Dividend received deduction	(97)	(88)	(80)
Stock option expense and other permanent differences	(34)	72	87
AMT tax credit	0	(113)	0
True-up	(306)	0	0
Other	(274)	51	(159)
Provision for income tax expense (benefit)	6,491	2,435	(570)
Deferred tax assets [Abstract]
Unpaid losses and loss adjustment expenses	1,157	1,725
Unearned premiums	6,864	2,629
Discount on advance premiums	243	167
Allowance for credit losses	59	31
Allowance for impairments	21	91
FIGA Guaranty Assessment	0	306
Depreciation & amortization	149	366
Reserve for claims settlements	1,844	809
NOL Carryforward	73	3,259
AMT credit	0	253
Flow-through income or loss	4	0
Stock option expense per ASC 718	550	432
Total deferred tax assets	10,964	10,068
Deferred tax liabilities [Abstract]
Deferred acquisition costs, net	(6,287)	(3,191)
Dividends Collected vs. Earned	(6)	(18)
Regulatory assessments	(67)	(67)
Unrealized Gain on investment securities	(3,598)	(2,454)
Total deferred tax liabilities	(9,958)	(5,730)
Net deferred tax asset	$ 1,006	$ 4,338