Consolidated Statements of Operations - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
REVENUES
Net premium earned	$ 7,563,594	$ 6,687,327	$ 21,856,593	$ 19,559,922
Investment income	128,742	32,235	313,918	93,393
Other income	68,974	314,349	310,069	910,101
Total Insurance Company Revenues	7,761,310	7,033,911	22,480,580	20,563,416
Gross commissions and fees	672,368	713,308	2,065,582	2,196,916
Investment income	76	122	243	405
Finance fees earned	17,749	16,442	48,730	49,813
Other income	0	1,000	2,258	16,112
Total Revenues	8,451,503	7,764,783	24,597,393	22,826,662
EXPENSES
Losses and loss adjustment expenses	4,346,517	4,156,480	13,873,940	10,696,595
Policy acquisition costs	1,659,226	1,511,539	4,751,939	4,459,339
Salaries and employee benefits	1,254,967	1,225,635	3,669,080	3,778,784
Commissions to agents/brokers	37,601	48,534	126,945	146,603
Other operating expenses	2,120,832	764,472	3,551,493	2,378,560
Total Expenses	9,419,143	7,706,660	25,973,397	21,459,881
Income before income taxes	(967,640)	58,123	(1,376,004)	1,366,781
Income Tax Expense	(318,130)	25,349	(442,090)	472,218
Net Income	$ (649,510)	$ 32,774	$ (933,914)	$ 894,563
Basic
Earnings per share	$ (0.12)	$ .01	$ (0.17)	$ .17
Weighted average shares	5,335,319	5,341,147	5,338,619	5,341,147
Diluted
Earnings per share	$ (0.12)	$ 0.01	$ (0.17)	$ 0.17
Weighted average shares	5,335,319	5,343,883	5,338,619	5,344,814