CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
REVENUES
Net premiums earned	$ 61,398	$ 59,462
Net investment income	3,892	3,462
Net realized investment gains	998	503
Other income	605	623
Total Revenues	66,893	64,050
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	38,847	34,148
Amortization of deferred policy acquisition costs	3,506	3,510
Commissions	7,894	7,952
General and administrative expenses	8,996	8,615
Taxes, licenses and fees	2,204	2,086
Interest expense	1,352	1,392
Total Benefits, Losses and Expenses	62,799	57,703
Income Before Income Taxes	4,094	6,347
INCOME TAX EXPENSE (BENEFIT)
Current	(142)	1,127
Deferred	1,173	523
Total income tax expense	1,031	1,650
Net Income	$ 3,063	$ 4,697
INCOME PER COMMON SHARE BASIC AND DILUTED	$ 1.22	$ 1.87
DIVIDENDS DECLARED PER SHARE	$ 0.180	$ 0.16