INCOME TAXES (Deferred Tax Assets and Liabilities) (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
General expenses	$ 1,067,000	$ 1,069,000
Unearned premiums	1,265,000	1,269,000
Claims liabilities	552,000	484,000
AMT Credit	0	1,575,000
Impairment on real estate owned	119,000	116,000
Unrealized losses on securities available-for-sale	368,000	0
Unrealized loss on interest rate swaps	49,000	128,000
Deferred tax assets	3,420,000	4,641,000
Depreciation	(79,000)	(88,000)
Deferred policy acquisition costs	(1,645,000)	(1,706,000)
Pre-1984 policyholder surplus account	(463,000)	(529,000)
Unrealized gains on securities available-for-sale	0	(831,000)
Unrealized gains on equity securities	(517,000)	0
Deferred tax liabilities	(2,704,000)	(3,154,000)
Net deferred tax asset	$ 716,000	$ 1,487,000