CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
REVENUES
Net premiums earned	$ 15,165	$ 14,706
Net investment income	991	1,002
Net realized investment gains (losses)	7	142
Other income	154	158
Total Revenues	16,317	16,008
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	9,047	8,262
Amortization of deferred policy acquisition costs	787	899
Commissions	2,108	2,055
General and administrative expenses	2,129	2,031
Taxes, licenses and fees	600	655
Interest expense	345	320
Total Benefits, Losses and Expenses	15,016	14,222
Income Before Income Taxes	1,301	1,786
INCOME TAX EXPENSE
Current	221	471
Deferred	139	7
Total income tax expense	360	478
Net income	$ 941	$ 1,308
INCOME PER COMMON SHARE BASIC AND DILUTED (in dollars per share)	$ 0.37	$ 0.52
DIVIDENDS DECLARED PER SHARE (in dollars per share)	$ 0.045	$ 0.04