Condensed Consolidated Statements of Operations (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Revenues
Net premiums earned	$ 3,937,189	$ 3,065,289	$ 10,822,137	$ 7,905,350
Ceding commission revenue	2,307,390	2,231,493	7,347,832	6,413,774
Net investment income	172,039	154,679	510,173	435,882
Net realized gain on investments	196,574	84,054	357,006	228,803
Other income	228,615	214,606	693,188	664,091
Total revenues	6,841,807	5,750,121	19,730,336	15,647,900
Expenses
Loss and loss adjustment expenses	2,933,531	1,907,917	7,307,925	4,518,253
Commission expense	1,596,281	1,287,268	4,472,924	3,647,371
Other underwriting expenses	1,734,137	1,580,827	5,045,051	4,112,889
Other operating expenses	260,149	428,401	863,114	1,345,208
Depreciation and amortization	144,122	155,258	457,264	463,746
Interest expense	23,577	46,258	108,249	138,560
Interest expense - mandatorily redeemable preferred stock	0	0	0	74,706
Total expenses	6,691,797	5,405,929	18,254,527	14,300,733
Income from continuing operations before taxes	150,010	344,192	1,475,809	1,347,167
Income tax (benefit) expense	(69,559)	128,278	355,685	564,388
Income from continuing operations	219,569	215,914	1,120,124	782,779
Income from discontinued operations, net of taxes	0	16,234	0	40,082
Net income	219,569	232,148	1,120,124	822,861
Gross unrealized investment holding (loses) gains arising during period	(166,793)	523,690	166,513	560,337
Income tax (expense) benefit related to items of other comprehensive income	56,710	(178,055)	(56,614)	(190,515)
Comprehensive income	$ 109,486	$ 577,783	$ 1,230,023	$ 1,192,683
Basic and diluted earnings per common share:
Income from continuing operations	$ 0.06	$ 0.06	$ 0.29	$ 0.24
Income from discontinued operations	$ 0	$ 0	$ 0	$ 0.01
Income per common share	$ 0.06	$ 0.06	$ 0.29	$ 0.25
Weighted average common shares outstanding
Basic	3,838,386	3,833,798	3,838,386	3,292,145
Diluted	3,918,763	3,833,798	3,921,289	3,292,145