CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
REVENUES
Net premiums earned	$ 14,374	$ 13,191	$ 42,298	$ 39,163
Net investment income	824	1,007	2,802	2,741
Net realized investment gains	141	3,297	541	4,354
Other income	158	163	2,025	480
Total Revenues	15,497	17,658	47,666	46,738
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	7,172	7,112	24,191	24,923
Amortization of deferred policy acquisition costs	946	894	2,717	2,759
Commissions	2,166	1,800	6,160	5,268
General and administrative expenses	1,719	2,117	6,158	6,082
Taxes, licenses and fees	514	438	1,565	1,398
Interest expense	380	434	1,148	1,311
Total Benefits, Losses and Expenses	12,897	12,795	41,939	41,741
Income Before Income Taxes	2,600	4,863	5,727	4,997
INCOME TAX EXPENSE
Current	651	332	819	552
Deferred	152	1,192	178	550
Total income tax expense	803	1,524	997	1,102
Net income	$ 1,797	$ 3,339	$ 4,730	$ 3,895
INCOME PER COMMON SHARE BASIC AND DILUTED	$ 0.72	$ 1.35	$ 1.89	$ 1.57
DIVIDENDS DECLARED PER SHARE	$ 0.03	$ 0.025	$ 0.09	$ 0.075