Consolidated Statements of Operations (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Consolidated Statements Of Operations
Premium earned	$ 32,072,262	$ 35,579,438	$ 40,050,878
Premium ceded	5,348,319	7,427,236	9,276,407
Net premium earned	26,723,943	28,152,202	30,774,471
Investment income	2,896,773	3,489,498	4,325,123
Other income	1,171,006	692,484	836,958
Total Insurance Company Revenues	30,791,722	32,334,184	35,936,552
Gross commissions and fees	3,698,428	4,491,569	5,301,049
Investment income	1,852	3,432	1,350
Finance charges and fees earned	70,901	276,737	369,285
Other income	13,798	14,829	8,870
Total Revenues	34,576,701	37,120,751	41,617,106
Losses and loss adjustment expenses	14,387,327	18,470,115	19,545,761
Policy acquisition costs	7,080,768	7,282,546	7,612,716
Salaries and employee benefits	4,334,564	4,317,064	5,200,127
Commissions to agents/brokers	225,094	637,861	1,089,787
Other operating expenses	2,798,780	3,192,584	4,004,737
Total Expenses	28,826,533	33,900,170	37,453,128
Income Before Taxes	5,750,168	3,220,581	4,163,978
Income Tax Expense	2,010,292	891,429	1,236,603
Net Income	$ 3,739,876	$ 2,329,152	$ 2,927,375
Earnings Per Share	$ 0.70	$ 0.44	$ 0.53
Weighted Average Shares	5,335,524	5,312,684	5,507,371
Earnings Per Share	$ 0.70	$ 0.44	$ 0.53
Weighted Average Shares	5,358,590	5,351,578	5,547,999