Consolidated Statements of Operations (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Consolidated Statements Of Operations
Premium earned	$ 8,021,982	$ 8,784,025	$ 24,021,550	$ 27,135,608
Premium ceded	1,321,422	1,836,956	3,974,368	5,657,678
Net premium earned	6,700,560	6,947,069	20,047,182	21,477,930
Investment income	733,384	839,403	2,272,247	2,685,061
Other income	746,322	150,004	1,085,410	505,289
Total Insurance Company Revenues	8,180,266	7,936,476	23,404,839	24,668,280
Gross commissions and fees	875,959	1,078,231	2,791,244	3,456,484
Investment income	351	752	1,786	2,891
Finance charges and fees earned	15,846	69,598	54,627	236,833
Other income	5,397	3,757	12,167	9,174
Total Revenues	9,077,819	9,088,814	26,264,663	28,373,662
Losses and loss adjustment expenses	3,357,803	4,501,433	10,616,401	14,384,197
Policy acquisition costs	1,778,105	1,805,586	5,322,970	5,535,572
Salaries and employee benefits	1,147,771	1,111,503	3,270,291	3,280,845
Commissions to agents/brokers	55,718	153,932	166,986	516,673
Other operating expenses	792,068	829,039	2,127,801	2,569,952
Total Expenses	7,131,465	8,401,493	21,504,449	26,287,239
Income Before Taxes	1,946,354	687,321	4,760,214	2,086,423
Income Tax Expense	671,702	63,359	1,664,528	515,045
Net Income	$ 1,274,652	$ 623,962	$ 3,095,686	$ 1,571,378
Earnings Per Share	$ 0.24	$ 0.12	$ 0.58	$ 0.30
Weighted Average Shares	5,334,901	5,316,751	5,334,411	5,310,501
Earnings Per Share	$ 0.24	$ 0.12	$ 0.58	$ 0.29
Weighted Average Shares	5,357,869	5,352,571	5,358,509	5,350,974