CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Debt securities, available-for-sale, at fair value (cost; $397,800 in 2012 and $380,578 in 2011)	$ 401,435	$ 380,469
Equity securities, available-for-sale, at fair value (cost; $31,502 in 2012 and $30,465 in 2011)	43,925	44,159
Total investments	445,360	424,628
Cash and cash equivalents	85,145	74,471
Restricted cash	8,707	9,372
Ceded unearned premiums	22,411	19,470
Premiums receivable	66,683	53,513
Accounts receivable	3,110	3,946
Receivable for securities	3	2,617
Reinsurance recoverable	51,970	42,734
Deferred policy acquisition costs	24,911	22,554
Goodwill	44,695	44,695
Intangible assets, net	23,068	26,654
Deferred federal income taxes, net	1,940	0
Federal income tax recoverable	0	6,738
Prepaid expenses	1,480	1,458
Other assets	10,985	13,209
Total assets	790,468	746,059
LIABILITIES AND STOCKHOLDERS' EQUITY
Revolving credit facility payable	1,473	4,050
Subordinated debt securities	56,702	56,702
Reserves for unpaid losses and loss adjustment expenses	313,416	296,945
Unearned premiums	162,502	146,104
Reinsurance balances payable	7,330	3,139
Pension liability	3,685	3,971
Payable for securities	0	203
Federal income tax payable	1,518	0
Deferred federal income taxes, net	0	135
Accounts payable and other accrued expenses	23,305	17,954
Total liabilities	569,931	529,203
Commitments and contingencies (Note 16)
Redeemable non-controlling interest	0	1,284
Stockholders' equity:
Common stock, $.18 par value, authorized 33,333,333 shares ; issued 20,872,831 shares in 2012 and 2011	3,757	3,757
Additional paid-in capital	122,475	122,487
Retained earnings	97,964	94,440
Accumulated other comprehensive income	7,899	6,446
Treasury stock (1,609,374 shares in 2012 and 2011), at cost	(11,558)	(11,558)
Total stockholders equity	220,537	215,572
Liabilities and Equity, Total	$ 790,468	$ 746,059