CONSOLIDATED STATEMENTS OF INCOME (LOSS) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
REVENUES
Net premiums earned	$ 13,824	$ 12,934
Net investment income	948	1,045
Net realized investment gains	88	27
Other income	154	172
Total Revenues	15,014	14,178
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	7,864	9,551
Amortization of deferred policy acquisition costs	898	942
Commissions	2,027	1,982
General and administrative expenses	2,026	1,803
Taxes, licenses and fees	530	486
Interest expense	386	442
Total Benefits, Losses and Expenses	13,731	15,206
Income (Loss) Before Income Taxes	1,283	(1,028)
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current	88	132
Deferred	196	(751)
Total income tax expense (benefit)	284	(619)
Net income (loss)	$ 999	$ (409)
INCOME (LOSS) PER COMMON SHARE BASIC AND DILUTED	$ 0.40	$ (0.17)
DIVIDENDS DECLARED PER SHARE	$ 0.03	$ 0.025