Condensed Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
REVENUES
Net premiums earned	$ 13,496	$ 14,870
Net investment income	1,135	1,142
Net realized investment gains	206	770
Other income	197	255
Total Revenues	15,034	17,037
EXPENSES
Policyholder benefits paid	7,845	9,322
Policy acquisition costs	2,772	2,924
General expenses	3,077	2,563
Taxes, licenses and fees	492	480
Interest expense	292	285
Total Expenses	14,478	15,574
Income Before Income Taxes	556	1,463
INCOME TAX (BENEFIT) EXPENSE
Current	28	350
Deferred	(3)	118
Total income tax (benefit) expense	25	468
Net income	$ 531	$ 995
EARNINGS PER COMMON SHARE	$ 0.22	$ 0.40
DIVIDENDS DECLARED PER SHARE	$ 0.10	$ 0.15