CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
REVENUES
Net premiums earned	$ 59,883	$ 60,856
Net investment income	3,876	3,941
Net investment gains (losses)	3,055	(552)
Other income	585	612
Total Revenues	67,399	64,857
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	38,598	40,409
Amortization of deferred policy acquisition costs	3,459	3,597
Commissions	7,429	7,555
General and administrative expenses	9,698	8,839
Taxes, licenses and fees	2,470	2,157
Interest expense	1,165	1,235
Total Benefits, Losses and Expenses	62,819	63,792
Income Before Income Taxes	4,580	1,065
INCOME TAX EXPENSE (BENEFIT)
Current	768	(1,045)
Deferred	(255)	1,331
Total income tax expense	513	286
Net Income	$ 4,067	$ 779
INCOME PER COMMON SHARE BASIC AND DILUTED (in dollars per share)	$ 1.61	$ 0.31
DIVIDENDS DECLARED PER SHARE (in dollars per share)	$ 0.21	$ 0.20