CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Investments
Debt maturities, available for sale, at fair value	$ 200,339	$ 174,912
Debt maturities, held to maturity, at amortized cost	7,323	7,214
Equity securities, available for sale, at fair value	37,857	38,584
Total investments	245,519	220,710
Cash and short term investments	50,489	41,446
Prepaid reinsurance premiums	837	7,592
Premiums receivable, net of allowance for credit losses of $143 and $143, respectively	23,952	22,414
Reinsurance recoverable, net	2,708	2,742
Deferred policy acquisition costs	18,465	16,708
Deferred income taxes, net	1,150	1,006
Property, plant and equipment, net	1,071	929
Other assets	4,164	3,194
Total assets	348,355	316,741
LIABILITIES AND SHAREHOLDERS' EQUITY
Unpaid losses and LAE	62,553	61,016
Unearned premiums	145,340	128,343
Premiums deposits and customer credit balances	7,216	3,833
Bank overdraft	5,212	6,203
Income taxes payable	4,357	2,379
Accounts payable and accrued expenses	6,090	6,473
Total liabilities	230,768	208,247
Shareholders' equity:
Common stock, $0.01 par value. Authorized 25,000,000 shares; issued and outstanding 10,988,727 and 10,901,716, respectively	110	109
Preferred stock, $0.01 par value. Authorized 1,000,000 shares; none issued or outstanding	0	0
Additional paid-in capital	81,085	80,525
Accumulated other comprehensive income
Unrealized net gains on investments, available for sale	6,414	5,964
Total accumulated other comprehensive income	6,414	5,964
Retained earnings	29,978	21,896
Total shareholders' equity	117,587	108,494
Total liabilities and shareholders' equity	$ 348,355	$ 316,741