CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
Investments
Debt maturities, available for sale, at fair value	$ 101,755	$ 104,311
Debt maturities, held to maturity, at amortized cost	7,359	7,128
Equity securities, available for sale, at fair value	20,982	18,028
Total investments	130,096	129,467
Cash and short term investments	21,143	15,205
Prepaid reinsurance premiums	7,045	8,339
Premiums receivable, net of allowance for credit losses of $69 and $73, respectively	8,023	5,616
Reinsurance recoverable, net	3,503	2,087
Deferred policy acquisition costs	8,479	7,718
Deferred income taxes, net	4,338	8,612
Income taxes receivable	39	0
Property, plant and equipment, net	564	842
Other assets	2,658	2,094
Total assets	185,888	179,980
LIABILITIES AND SHAREHOLDERS' EQUITY
Unpaid losses and LAE	49,908	59,983
Unearned premiums	59,006	47,933
Premiums deposits and customer credit balances	2,458	2,804
Bank overdraft	5,987	7,930
Income taxes payable	0	77
Accounts payable and accrued expenses	2,624	3,109
Total liabilities	119,983	121,836
Shareholders' equity:
Common stock, $0.01 par value. Authorized 25,000,000 shares; issued and outstanding 7,979,488 and 7,946,384, respectively	80	79
Preferred stock, $0.01 par value. Authorized 1,000,000 shares; none issued or outstanding	0	0
Additional paid-in capital	51,356	50,940
Accumulated other comprehensive income
Unrealized net gains on investments, available for sale	4,067	877
Total accumulated other comprehensive income	4,067	877
Retained earnings	10,402	6,248
Total shareholders' equity	65,905	58,144
Total liabilities and shareholders' equity	$ 185,888	$ 179,980