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REINSURANCE (Tables)
 12 Months Ended
Dec. 31, 2015
REINSURANCE [Abstract]  
Effect of long duration reinsurance contracts on premiums earned
The Company does not have any short-duration reinsurance contracts.  The effect of the Company's long-duration reinsurance contracts on premiums earned in 2015 and 2014 were as follows:

  
2015
Premiums
Earned
  
2014
Premiums
Earned
 
       
Direct
 
$
11,140,000
  
$
11,642,000
 
Assumed
  
25,000
   
26,000
 
Ceded
  
(3,091,000
)
  
(3,127,000
)
Net Premiums
 
$
8,074,000
  
$
8,541,000