CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
REVENUES
Net premiums earned	$ 15,104	$ 14,374	$ 44,690	$ 42,298
Net investment income	714	824	2,472	2,802
Net realized investment gains (losses)	130	141	517	541
Gain on company owned life insurance	0	0	0	1,621
Other income	154	158	468	404
Total Revenues	16,102	15,497	48,147	47,666
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	8,170	7,172	25,867	24,191
Amortization of deferred policy acquisition costs	905	946	2,722	2,717
Commissions	2,086	2,166	6,230	6,160
General and administrative expenses	1,707	1,719	5,806	6,158
Taxes, licenses and fees	468	514	1,641	1,565
Interest expense	346	380	1,008	1,148
Total Benefits, Losses and Expenses	13,682	12,897	43,274	41,939
Income Before Income Taxes	2,420	2,600	4,873	5,727
INCOME TAX EXPENSE
Current	446	651	1,078	819
Deferred	358	152	248	178
Total income tax expense	804	803	1,326	997
Net income	$ 1,616	$ 1,797	$ 3,547	$ 4,730
INCOME PER COMMON SHARE BASIC AND DILUTED (in dollars per share)	$ 0.64	$ 0.72	$ 1.41	$ 1.89
DIVIDENDS DECLARED PER SHARE	$ 0.04	$ 0.03	$ 0.12	$ 0.09