CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
REVENUES
Net premiums earned	$ 59,462	$ 56,653
Net investment income	3,462	3,823
Net realized investment gains (losses)	503	100
Gain on company owned life insurance	0	3,256
Other income	623	560
Total Revenues	64,050	64,392
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	34,148	30,882
Amortization of deferred policy acquisition costs	3,510	3,590
Commissions	7,952	7,459
General and administrative expenses	8,628	9,428
Taxes, licenses and fees	2,086	2,137
Interest expense	1,379	1,521
Total Benefits, Losses and Expenses	57,703	55,017
Income Before Income Taxes	6,347	9,375
INCOME TAX EXPENSE
Current	1,127	1,240
Deferred	523	519
Total income tax expense	1,650	1,759
Net income	$ 4,697	$ 7,616
INCOME PER COMMON SHARE BASIC AND DILUTED (in dollars per share)	$ 1.87	$ 3.04
DIVIDENDS DECLARED PER SHARE	$ 0.16	$ 0.12