CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Investments
Fixed maturities held-to-maturity, at amortized cost (estimated fair value: 2014 - $821; 2013 - $853)	$ 772	$ 812
Fixed maturities available-for-sale, at estimated fair value (cost: 2014 - $79,452; 2013 - $79,074)	81,322	79,434
Equity securities available-for-sale, at estimated fair value (cost: 2014 - $2,420; 2013 - $2,420)	4,490	4,374
Trading securities	19	19
Mortgage loans on real estate, at cost	331	333
Investment real estate, at book value	4,217	4,218
Policy loans	1,452	1,443
Company owned life insurance	5,888	5,858
Other invested assets	3,459	3,559
Total Investments	101,950	100,050
Cash	6,739	4,987
Accrued investment income	836	817
Policy receivables and agents' balances, net	11,081	10,276
Reinsurance recoverable	1,278	1,501
Deferred policy acquisition costs	8,734	8,776
Property and equipment, net	1,990	2,077
Accrued income tax recoverable	0	6
Deferred income tax asset, net	3,945	4,654
Other assets	925	836
Total Assets	137,478	133,980
LIABILITIES AND SHAREHOLDERS' EQUITY
Property and casualty benefit and loss reserves	9,419	8,734
Accident and health benefit and loss reserves	2,577	2,651
Life and annuity benefit and loss reserves	30,847	30,696
Unearned premiums	28,424	27,301
Policy and contract claims	833	842
Other policyholder funds	1,466	1,447
Short-term notes payable and current portion of long-term debt	1,166	1,866
Long-term debt	21,164	20,889
Accrued income taxes	32	0
Other liabilities	6,157	6,082
Total Liabilities	102,085	100,508
Contingencies
Shareholders' equity
Common stock	2,495	2,495
Additional paid-in capital	5,147	5,147
Accumulated other comprehensive income	1,933	936
Retained earnings	25,818	24,894
Total Shareholders' Equity	35,393	33,472
Total Liabilities and Shareholders' Equity	$ 137,478	$ 133,980