CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
REVENUES
Net premiums earned	$ 56,653	$ 52,366
Net investment income	3,738	3,746
Net realized investment gains (losses)	100	4,439
Gain on company owned life insurance	3,256	0
Other income	560	609
Total Revenues	64,307	61,160
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	30,882	31,146
Amortization of deferred policy acquisition costs	3,590	3,613
Commissions	7,459	7,103
General and administrative expenses	9,343	8,443
Taxes, licenses and fees	2,137	1,846
Interest expense	1,521	1,686
Total Benefits, Losses and Expenses	54,932	53,837
Income Before Income Taxes	9,375	7,323
INCOME TAX EXPENSE
Current	1,240	92
Deferred	519	1,573
Total income tax expense	1,759	1,665
Net income	$ 7,616	$ 5,658
INCOME PER COMMON SHARE BASIC AND DILUTED	$ 3.04	$ 2.28
DIVIDENDS DECLARED PER SHARE	$ 0.12	$ 0.10