Condensed Consolidated Statements of Income (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
REVENUES
Net premiums earned	$ 14,340	$ 15,248	$ 42,531	$ 46,189
Net investment income	765	1,175	3,164	3,696
Net realized investment gains (losses)	(203)	75	828	1,433
Other income	217	259	728	814
Total Revenues	15,119	16,757	47,251	52,132
EXPENSES
Policyholder benefits paid or provided	10,045	10,096	35,049	29,630
Policy acquisition costs	2,899	3,082	8,894	8,800
General expenses	2,422	2,792	7,971	7,532
Taxes, licenses and fees	394	525	1,496	1,492
Interest expense	293	294	863	859
Total Expenses	16,053	16,789	54,273	48,313
(Loss) Income Before Income Taxes	(934)	(32)	(7,022)	3,819
INCOME TAX (BENEFIT) EXPENSE
Current	426	(146)	(1,739)	442
Deferred	(710)	(109)	(683)	446
Total income tax (benefit) expense	(284)	(255)	(2,422)	888
Net (Loss) Income	$ (650)	$ 223	$ (4,600)	$ 2,931
(LOSS) EARNINGS PER COMMON SHARE	$ (0.26)	$ 0.09	$ (1.86)	$ 1.19
DIVIDENDS DECLARED PER SHARE	$ 0.15	$ 0.15	$ 0.45	$ 0.45