Consolidated Statements of Operations - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
REVENUES
Net premium earned	$ 29,573,796	$ 26,373,423	$ 26,862,307
Investment income	478,950	161,183	331,829
Net realized investments losses	(7,251)	0	0
Other income	375,493	931,991	611,950
Total Insurance Company Operation	30,420,988	27,466,597	27,806,086
Other Insurance Operations
Gross commissions and fees	2,773,742	2,917,964	3,239,407
Investment income	414	555	1,168
Finance fees earned	65,730	67,012	76,845
Other income	3,765	18,112	7,386
Total Revenues	33,264,639	30,470,240	31,130,892
EXPENSES
Losses and loss adjustment expenses	19,163,316	14,617,118	16,089,175
Policy acquisition costs	6,465,232	5,986,108	6,032,127
Salaries and employee benefits	4,853,161	4,992,131	5,010,710
Commissions to agents/brokers	166,641	192,684	232,101
Other operating expenses	4,351,247	3,385,694	2,526,004
Total Expenses	34,999,597	29,173,735	29,890,117
Income (loss) before income taxes	(1,734,958)	1,296,505	1,240,775
Income tax expense (benefit)	(552,088)	450,144	637,107
Net Income (loss)	$ (1,182,870)	$ 846,361	$ 603,668
Basic
Earnings (loss) per share	$ (.22)	$ 0.16	$ .11
Weighted average shares	5,335,540	5,341,147	5,341,147
Diluted
Earnings (loss) per share	$ (.22)	$ 0.16	$ .11
Weighted average shares	5,335,540	5,346,552	5,344,212