Consolidated Balance Sheets (USD $)	Sep. 30, 2011	Dec. 31, 2010
Available for sale:
Fixed maturities, at fair value (amortized cost: September 30, 2011 $101,718,787; December 31, 2010 $123,301,280)	$ 104,343,391	$ 126,711,982
Short-term investments, at cost	27,141,800	6,465,649
Total Investments	131,485,191	133,177,631
Cash	71,108	45,210
Accrued investment income	603,654	690,718
Premiums and notes receiveable, net	5,560,469	4,364,393
Reinsurance Recoverable:
Paid losses and loss adjustment expenses	22,254	48,877
Unpaid losses and loss adjustment expenses	8,402,146	11,816,314
Deferred policy acquisition costs	4,294,382	4,300,927
Property and equipment (net of accumulated depreciation)	205,685	1,630,574
Deferred income taxes	1,078,514	1,059,557
Other assets	461,050	540,519
Total Assets	152,184,453	157,674,720
Unpaid losses and loss adjustment expenses	55,231,351	61,559,695
Unearned premiums	16,067,088	15,929,948
Advance premium and premium deposits	1,222,022	829,746
Income taxes payable	258,406	1,175
Accrued expenses and other liabilities	3,460,893	6,000,340
Total Liabilities	76,239,760	84,320,904
Common stock, no par, authorized 10,000,000 shares; issued and outstanding shares 5,334,992 at September 30, 2011, and 5,333,081 at December 31, 2010	3,579,395	3,554,973
Accumulated other comprehensive income	1,732,239	2,251,063
Retained earnings	70,633,059	67,547,780
Total Stockholders Equity	75,944,693	73,353,816
Total Liabilities and Stockholders' Equity	$ 152,184,453	$ 157,674,720