Consolidated Statements of Operations - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
REVENUES
Net premium earned	$ 7,980,930	$ 7,563,594	$ 23,271,296	$ 21,856,593
Investment income	234,495	128,742	658,839	313,918
Net realized investments losses	0	0	(1,278)	0
Other income	66,147	68,974	201,425	310,069
Total Insurance Company Revenues	8,281,572	7,761,310	24,130,282	22,480,580
Gross commissions and fees	697,245	672,368	2,063,429	2,065,582
Investment income	75	76	272	243
Finance fees earned	18,450	17,749	50,667	48,730
Other income	1,000	0	6,002	2,258
Total Revenues	8,998,342	8,451,503	26,250,652	24,597,393
EXPENSES
Losses and loss adjustment expenses	8,038,100	4,346,517	17,982,351	13,873,940
Policy acquisition costs	1,741,499	1,659,226	5,142,250	4,751,939
Salaries and employee benefits	1,318,622	1,254,967	3,980,055	3,669,080
Commissions to agents/brokers	40,324	37,601	121,379	126,945
Other operating expenses	826,519	2,120,832	2,052,771	3,551,493
Total Expenses	11,965,064	9,419,143	29,278,806	25,973,397
Loss before income taxes	(2,966,722)	(967,640)	(3,028,154)	(1,376,004)
Income tax benefit	(1,013,225)	(318,130)	(1,026,700)	(442,090)
Net Loss	$ (1,953,497)	$ (649,510)	$ (2,001,454)	$ (933,914)
Basic
Loss per share	$ (.37)	$ (.12)	$ (.38)	$ (.17)
Weighted average shares	5,307,133	5,335,319	5,307,881	5,338,619
Diluted
Loss per share	$ (.37)	$ (.12)	$ (.38)	$ (.17)
Weighted average shares	5,307,133	5,335,319	5,307,881	5,338,619