CONDENSED CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
REVENUES
Net premiums earned	$ 14,706	$ 13,824
Net investment income	974	948
Net realized investment gains (losses)	142	88
Other income	158	154
Total Revenues	15,980	15,014
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	8,262	7,864
Amortization of deferred policy acquisition costs	899	898
Commissions	2,055	2,027
General and administrative expenses	2,006	2,026
Taxes, licenses and fees	655	530
Interest expense	317	386
Total Benefits, Losses and Expenses	14,194	13,731
Income Before Income Taxes	1,786	1,283
INCOME TAX EXPENSE
Current	471	88
Deferred	7	196
Total income tax expense	478	284
Net income	$ 1,308	$ 999
INCOME PER COMMON SHARE BASIC AND DILUTED	$ 0.52	$ 0.40
DIVIDENDS DECLARED PER SHARE	$ 0.04	$ 0.03