CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Investments
Fixed maturities held-to-maturity, at amortized cost (estimated fair value: 2013 - $853; 2012 - $1,609)	$ 812	$ 1,502
Fixed maturities available-for-sale, at estimated fair value (cost: 2013 - $79,074; 2012 - $71,678)	79,434	76,294
Equity securities available-for-sale, at estimated fair value (cost: 2013 - $2,420;2012 - $3,191)	4,374	5,132
Trading securities	19	40
Mortgage loans on real estate, at cost	333	383
Investment real estate, at book value	4,218	5,757
Policy loans	1,443	1,317
Company owned life insurance	5,858	5,931
Other invested assets	3,559	3,777
Total Investments	100,050	100,133
Cash	4,987	6,779
Accrued investment income	817	788
Policy receivables and agents' balances, net	10,276	9,006
Reinsurance recoverable	1,501	1,541
Deferred policy acquisition costs	8,776	9,097
Property and equipment, net	2,077	2,392
Accrued income tax recoverable	6	0
Deferred income tax asset	4,654	4,997
Other assets	836	983
Total Assets	133,980	135,716
LIABILITIES AND SHAREHOLDERS' EQUITY
Property and casualty benefit and loss reserves	8,734	11,214
Accident and health benefit and loss reserves	2,651	2,341
Life and annuity benefit and loss reserves	30,696	30,041
Unearned premiums	27,301	25,777
Policy and contract claims	842	995
Other policyholder funds	1,447	1,417
Short-term notes payable and current portion of long-term debt	1,866	1,292
Long-term debt	20,889	25,339
Accrued income taxes	0	296
Other liabilities	6,082	6,777
Total Liabilities	100,508	105,489
Contingencies
Shareholders' equity
Common stock	2,495	2,467
Additional paid-in capital	5,147	4,951
Accumulated other comprehensive income	936	3,325
Retained earnings	24,894	19,484
Total Shareholders' Equity	33,472	30,227
Total Liabilities and Shareholders' Equity	$ 133,980	$ 135,716