Consolidated Statements of Operations (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Consolidated Statements Of Operations
Net premium earned	$ 27,318,160	$ 26,723,943	$ 28,152,202
Investment income	1,527,824	2,896,773	3,489,498
Other income	490,213	1,171,006	692,484
Total Insurance Company Revenues	29,336,197	30,791,722	32,334,184
Gross commissions and fees	3,339,073	3,698,428	4,491,569
Investment income	1,151	1,852	3,432
Finance charges and fees earned	70,013	70,901	276,737
Other income	10,136	13,798	14,829
Total Revenues	32,756,570	34,576,701	37,120,751
Losses and loss adjustment expenses	15,233,403	14,387,327	18,470,115
Policy acquisition costs	6,744,273	7,080,768	7,282,546
Salaries and employee benefits	5,179,520	4,334,564	4,317,064
Commissions to agents/brokers	236,059	225,094	637,861
Other operating expenses	2,508,279	2,798,780	3,192,584
Total Expenses	29,901,534	28,826,533	33,900,170
Income Before Taxes	2,855,036	5,750,168	3,220,581
Income Tax Expense	901,308	2,010,292	891,429
Net Income	$ 1,953,728	$ 3,739,876	$ 2,329,152
Earnings Per Share	$ 0.37	$ 0.70	$ 0.44
Weighted Average Shares	5,339,341	5,335,524	5,312,684
Earnings Per Share	$ 0.36	$ 0.70	$ 0.44
Weighted Average Shares	5,352,978	5,358,590	5,351,578