Consolidated Balance Sheets (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010
Assets
Fixed maturities: Available for sale, at fair value (amortized cost $156,970 in 2011 and $158,193 in 2010)	$ 162,096	$ 162,771
Equity Securities: Available for sale, at fair value (cost $11,274 in 2011 and $10,885 in 2010)	11,382	10,874
Cash and cash equivalents	4,732	6,510
Premiums and fees receivable	24,339	28,394
Reinsurance receivables and recoverables	20,906	24,912
Deferred policy acquisition costs	8,821	9,735
Prepaid reinsurance premiums	3,737	4,320
Accrued investment income	1,581	1,621
Property and equipment, net of accumulated depreciation	3,145	3,323
Income taxes receivable	783	1,253
Other	3,001	1,008
Total assets	244,523	254,721
Liabilities:
Losses and loss adjustment expense reserves	106,630	109,973
Unearned premiums	38,254	42,807
Accounts payable and accrued expenses	7,917	8,913
Total liabilities	152,801	161,693
Shareholders' equity:
Preferred stock, no par value, authorized 1,000,000; no shares issued or outstanding	0	0
Common stock, $0.01 par value, authorized 10,000,000; issued 2011, 5,444,022 and 2010, 5,444,022; outstanding 2011, 4,524,415 shares and 2010, 4,462,131 shares	54	54
Additional paid-in capital	51,169	51,068
Accumulated other comprehensive income	2,522	2,054
Retained earnings	48,487	50,993
Unearned ESOP, 449,999 and 476,999 shares	(4,500)	(4,770)
Treasury stock, at cost, 469,608 and 504,892 shares	(6,010)	(6,371)
Total shareholders' equity	91,722	93,028
Total liabilities and shareholders' equity	$ 244,523	$ 254,721