CONDENSED CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Investments
Fixed maturities held-to-maturity, at amortized cost (estimated fair value: 2013 - $931; 2012 - $1,609)	$ 878	$ 1,502
Fixed maturities available-for-sale, at estimated fair value (cost: 2013 - $76,265; 2012 - $71,678)	77,602	76,294
Equity securities available-for-sale, at estimated fair value (cost: 2013 - $2,465;2012 - $3,191)	4,375	5,132
Trading securities	19	40
Mortgage loans on real estate, at cost	378	383
Investment real estate, at book value	4,218	5,757
Policy loans	1,417	1,317
Company owned life insurance	5,831	5,931
Other invested assets	3,602	3,777
Total Investments	98,320	100,133
Cash	5,596	6,779
Accrued investment income	830	788
Policy receivables and agents' balances, net	11,114	9,006
Reinsurance recoverable	1,348	1,541
Deferred policy acquisition costs	9,042	9,097
Property and equipment, net	2,161	2,392
Deferred income tax asset	5,405	4,997
Other assets	1,113	983
Total Assets	134,929	135,716
LIABILITIES AND SHAREHOLDERS' EQUITY
Property and casualty benefit and loss reserves	9,248	11,214
Accident and health benefit and loss reserves	2,545	2,341
Life and annuity benefit and loss reserves	30,300	30,041
Unearned premiums	28,946	25,777
Policy and contract claims	654	995
Other policyholder funds	1,439	1,417
Short-term notes payable and current portion of long-term debt	1,167	1,292
Long-term debt	21,705	25,339
Accrued income taxes	654	296
Other liabilities	5,973	6,777
Total Liabilities	102,631	105,489
Contingencies
Shareholders' equity
Common stock	2,494	2,467
Additional paid-in capital	5,147	4,951
Accumulated other comprehensive income	1,464	3,325
Retained earnings	23,193	19,484
Total Shareholders' Equity	32,298	30,227
Total Liabilities and Shareholders' Equity	$ 134,929	$ 135,716