CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Investments
Fixed maturities held-to-maturity, at amortized cost (estimated fair value: 2014 - $1,064; 2013 - $853)	$ 1,021	$ 812
Fixed maturities available-for-sale, at estimated fair value (cost: 2014 - $84,541; 2013 - $79,074)	87,207	79,434
Equity securities available-for-sale, at estimated fair value (cost: 2014 - $2,420; 2013 - $2,420)	4,762	4,374
Trading securities	19	19
Mortgage loans on real estate, at cost	227	333
Investment real estate, at book value	4,288	4,218
Policy loans	1,523	1,443
Company owned life insurance	5,494	5,858
Other invested assets	3,509	3,559
Total Investments	108,050	100,050
Cash	8,575	4,987
Accrued investment income	836	817
Policy receivables and agents' balances, net	11,983	10,276
Reinsurance recoverable	814	1,501
Deferred policy acquisition costs	8,900	8,776
Property and equipment, net	1,996	2,077
Accrued income tax recoverable	0	6
Deferred income tax asset, net	3,624	4,654
Other assets	928	836
Total Assets	145,706	133,980
LIABILITIES AND SHAREHOLDERS' EQUITY
Property and casualty benefit and loss reserves	8,868	8,734
Accident and health benefit and loss reserves	2,843	2,651
Life and annuity benefit and loss reserves	31,297	30,696
Unearned premiums	31,082	27,301
Policy and contract claims	957	842
Other policyholder funds	1,485	1,447
Short-term notes payable and current portion of long-term debt	1,166	1,866
Long-term debt	20,539	20,889
Accrued income taxes	566	0
Other liabilities	7,139	6,082
Total Liabilities	105,942	100,508
Contingencies
Shareholders' equity
Common stock	2,508	2,495
Additional paid-in capital	5,267	5,147
Accumulated other comprehensive income	2,590	936
Retained earnings	29,399	24,894
Total Shareholders' Equity	39,764	33,472
Total Liabilities and Shareholders' Equity	$ 145,706	$ 133,980