Consolidated Statements of Operations (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Consolidated Statements Of Operations
Net premium earned	$ 26,862,307	$ 27,318,160	$ 26,723,943
Investment income	331,829	1,527,824	2,896,773
Other income	611,950	490,213	1,171,006
Total Insurance Company Revenues	27,806,086	29,336,197	30,791,722
Gross commissions and fees	3,239,407	3,339,073	3,698,428
Investment income	1,168	1,151	1,852
Finance charges and fees earned	76,845	70,013	70,901
Other income	7,386	10,136	13,798
Total Revenues	31,130,892	32,756,570	34,576,701
Losses and loss adjustment expenses	16,089,175	15,233,403	14,387,327
Policy acquisition costs	6,032,127	6,744,273	7,080,768
Salaries and employee benefits	5,010,710	5,179,520	4,334,564
Commissions to agents/brokers	232,101	236,059	225,094
Other operating expenses	2,526,004	2,508,279	2,798,780
Total Expenses	29,890,117	29,901,534	28,826,533
Income before income taxes	1,240,775	2,855,036	5,750,168
Income Tax Expense	637,107	901,308	2,010,292
Net Income	$ 603,668	$ 1,953,728	$ 3,739,876
Earnings Per Share	$ 0.11	$ 0.37	$ 0.70
Weighted Average Shares	5,341,147	5,339,341	5,335,524
Earnings Per Share	$ 0.11	$ 0.36	$ 0.70
Weighted Average Shares	5,344,212	5,352,978	5,358,590