Consolidated Statements of Operations (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Consolidated Statements Of Operations
Premium earned	$ 8,233,042	$ 8,021,982	$ 24,235,887	$ 24,021,550
Premium ceded	1,292,032	1,321,422	3,799,216	3,974,368
Net premium earned	6,941,010	6,700,560	20,436,671	20,047,182
Investment income	303,234	733,384	1,359,260	2,272,247
Other income	141,146	746,322	437,888	1,085,410
Total Insurance Company Revenues	7,385,390	8,180,266	22,233,819	23,404,839
Gross commissions and fees	820,729	875,959	2,535,962	2,791,244
Investment income	307	351	750	1,786
Finance charges and fees earned	18,503	15,846	50,868	54,627
Other income	3,535	5,397	9,086	12,167
Total Revenues	8,228,464	9,077,819	24,830,485	26,264,663
Losses and loss adjustment expenses	3,571,972	3,357,803	11,620,183	10,616,401
Policy acquisition costs	1,659,945	1,778,105	5,128,473	5,322,970
Salaries and employee benefits	1,252,567	1,147,771	3,917,274	3,270,291
Commissions to agents/brokers	59,226	55,718	175,791	166,986
Other operating expenses	550,325	792,068	1,882,485	2,127,801
Total Expenses	7,094,035	7,131,465	22,724,206	21,504,449
Income Before Taxes	1,134,429	1,946,354	2,106,279	4,760,214
Income Tax Expense	388,834	671,702	703,539	1,664,528
Net Income	$ 745,595	$ 1,274,652	$ 1,402,740	$ 3,095,686
Earnings Per Share	$ 0.14	$ 0.24	$ 0.26	$ 0.58
Weighted Average Shares	5,337,913	5,334,901	5,341,296	5,334,411
Earnings Per Share	$ 0.14	$ 0.24	$ 0.26	$ 0.58
Weighted Average Shares	5,349,921	5,357,869	5,356,751	5,358,509