CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Investments
Fixed maturities held-to-maturity, at amortized cost (estimated fair value: 2014 - $3,182; 2013 - $853)	$ 3,108	$ 812
Fixed maturities available-for-sale, at estimated fair value (cost: 2014 - $84,024; 2013 - $79,074)	86,886	79,434
Equity securities available-for-sale, at estimated fair value (cost: 2014 - $2,420; 2013 - $2,420)	4,995	4,374
Trading securities	19	19
Mortgage loans on real estate, at cost	210	333
Investment real estate, at book value	3,735	4,218
Policy loans	1,530	1,443
Company owned life insurance	5,513	5,858
Other invested assets	3,553	3,559
Total Investments	109,549	100,050
Cash	6,426	4,987
Accrued investment income	797	817
Policy receivables and agents' balances, net	10,948	10,276
Reinsurance recoverable	939	1,501
Deferred policy acquisition costs	8,592	8,776
Property and equipment, net	2,013	2,077
Accrued income tax recoverable	0	6
Deferred income tax asset, net	3,189	4,654
Other assets	2,412	836
Total Assets	144,865	133,980
LIABILITIES AND SHAREHOLDERS' EQUITY
Property and casualty benefit and loss reserves	8,321	8,734
Accident and health benefit and loss reserves	3,017	2,651
Life and annuity benefit and loss reserves	31,418	30,696
Unearned premiums	28,853	27,301
Policy and contract claims	996	842
Other policyholder funds	1,510	1,447
Short-term notes payable and current portion of long-term debt	857	1,866
Long-term debt	18,715	20,889
Accrued income taxes	487	0
Other liabilities	7,934	6,082
Total Liabilities	102,108	100,508
Contingencies
Shareholders' equity
Common stock	2,508	2,495
Additional paid-in capital	5,267	5,147
Accumulated other comprehensive income	2,772	936
Retained earnings	32,210	24,894
Total Shareholders' Equity	42,757	33,472
Total Liabilities and Shareholders' Equity	$ 144,865	$ 133,980