CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
REVENUES
Net premiums earned	$ 14,100	$ 13,038	$ 27,924	$ 25,972
Net investment income	1,030	689	1,978	1,734
Net realized investment gains	312	1,030	400	1,057
Other income	1,713	145	1,867	317
Total Revenues	17,155	14,902	32,169	29,080
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	9,155	8,260	17,019	17,811
Amortization of deferred policy acquisition costs	873	923	1,771	1,865
Commissions	1,967	1,486	3,994	3,468
General and administrative expenses	2,413	2,162	4,439	3,965
Taxes, licenses and fees	521	474	1,051	960
Interest expense	382	435	768	877
Total Benefits, Losses and Expenses	15,311	13,740	29,042	28,946
Income Before Income Taxes	1,844	1,162	3,127	134
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current	80	88	168	220
Deferred	(170)	109	26	(642)
Total income tax expense (benefit)	(90)	197	194	(422)
Net income	$ 1,934	$ 965	$ 2,933	$ 556
INCOME PER COMMON SHARE BASIC AND DILUTED	$ 0.77	$ 0.39	$ 1.18	$ 0.23
DIVIDENDS DECLARED PER SHARE	$ 0.03	$ 0.025	$ 0.06	$ 0.05