Condensed Consolidated Statements of Income Statement (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
REVENUES
Net premiums earned	$ 13,321	$ 15,903	$ 28,191	$ 30,941
Net investment income	1,257	1,195	2,399	2,521
Net realized investment gains	261	689	1,031	1,358
Other income	256	256	511	555
Total Revenues	15,095	18,043	32,132	35,375
EXPENSES
Policyholder benefits paid or provided	15,682	11,061	25,004	19,534
Policy acquisition costs	3,071	2,970	5,995	5,718
General expenses	2,986	2,155	5,549	4,740
Taxes, licenses and fees	622	480	1,102	967
Interest expense	285	307	570	565
Total Expenses	22,646	16,973	38,220	31,524
(Loss) Income Before Income Taxes	(7,551)	1,070	(6,088)	3,851
INCOME TAX EXPENSE
Current	(2,515)	(14)	(2,165)	588
Deferred	(91)	270	27	555
Total income tax (benefit) expense	(2,606)	256	(2,138)	1,143
Net (Loss) Income	$ (4,945)	$ 814	$ (3,950)	$ 2,708
(LOSS) EARNINGS PER COMMON SHARE	$ (2.00)	$ 0.33	$ (1.60)	$ 1.10
DIVIDENDS DECLARED PER SHARE	$ 0.15	$ 0.15	$ 0.30	$ 0.30