Consolidated Statements of Operations (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Consolidated Statements Of Operations
Net premium earned	$ 6,758,626	$ 6,941,010	$ 20,205,862	$ 20,436,671
Investment income	68,450	303,234	300,613	1,359,260
Other income	40,955	141,146	321,121	437,888
Total Insurance Company Revenues	6,868,031	7,385,390	20,827,596	22,233,819
Gross commissions and fees	778,314	820,729	2,490,227	2,535,962
Investment income	172	307	1,116	750
Finance charges and fees earned	19,206	18,503	56,531	50,868
Other income	17,004	3,535	20,274	9,086
Total Revenues	7,682,727	8,228,464	23,395,744	24,830,485
Losses and loss adjustment expenses	4,765,616	3,571,972	13,212,802	11,620,183
Policy acquisition costs	1,538,087	1,659,945	4,515,924	5,128,473
Salaries and employee benefits	1,227,619	1,252,567	3,777,242	3,917,274
Commissions to agents/brokers	55,481	59,226	178,329	175,791
Other operating expenses	639,786	550,325	1,813,060	1,882,485
Total Expenses	8,226,589	7,094,035	23,497,357	22,724,206
Income before income taxes	(543,862)	1,134,429	(101,613)	2,106,279
Income Tax Expense	(175,496)	388,834	8,210	703,539
Net Income	$ (368,366)	$ 745,595	$ (109,823)	$ 1,402,740
Earnings Per Share	$ (0.07)	$ 0.14	$ (0.02)	$ 0.26
Weighted Average Shares	5,341,147	5,337,913	5,341,147	5,341,296
Earnings Per Share	$ (0.07)	$ 0.14	$ (0.02)	$ 0.26
Weighted Average Shares	5,341,147	5,349,921	5,341,147	5,356,751