Condensed Consolidated Balance Sheets (USD $)	Mar. 31, 2012	Dec. 31, 2011
Assets
Fixed-maturity securities, held to maturity, at amortized cost (fair value of $718,616 at March 31, 2012 and $777,953 at December 31, 2011)	$ 606,257	$ 606,234
Fixed-maturity securities, available for sale, at fair value (amortized cost of $21,350,396 at March 31, 2012 and $22,215,191 at December 31, 2011)	22,017,110	22,568,932
Equity securities, available-for-sale, at fair value (cost of $4,323,868 at March 31, 2012 and $3,857,741 at December 31, 2011)	4,665,530	4,065,210
Total investments	27,288,897	27,240,376
Cash and cash equivalents	312,051	173,126
Premiums receivable, net of provision for uncollectible amounts	6,322,652	5,779,085
Receivables - reinsurance contracts	2,591,858	1,734,535
Reinsurance receivables, net of provision for uncollectible amounts	25,183,818	23,880,814
Notes receivable-sale of business	386,445	393,511
Deferred acquisition costs	4,716,352	4,535,773
Intangible assets, net	3,541,743	3,660,672
Property and equipment, net of accumulated depreciation	1,630,141	1,646,341
Other assets	681,151	660,672
Total assets	72,655,108	69,704,905
Liabilities
Loss and loss adjustment expenses	19,933,009	18,480,717
Unearned premiums	22,253,722	21,283,160
Advance premiums	577,436	544,791
Reinsurance balances payable	3,103,242	2,761,828
Deferred ceding commission revenue	4,149,217	3,982,399
Notes payable (includes payable to related parties of $378,000 at March 31, 2012 and December 31, 2011)	997,000	1,047,000
Accounts payable, accrued expenses and other liabilities	3,084,678	4,419,623
Income taxes payable	365,903	85,393
Deferred income taxes	1,872,876	1,789,439
Total liabilities	56,337,083	54,394,350
Stockholders' Equity
Common stock, $.01 par value; authorized 10,000,000 shares; issued 4,665,338 shares at March 31, 2012 and 4,643,122 shares at December 31, 2011; outstanding 3,779,900 shares at March 31, 2012 and 3,759,900 shares at December 31, 2011	46,654	46,432
Preferred stock, $.01 par value; authorized 1,000,000 shares; -0- shares issued and outstanding
Capital in excess of par	13,808,090	13,739,792
Accumulated other comprehensive income	665,528	370,399
Retained earnings	3,206,370	2,554,349
Total	17,726,642	16,710,972
Treasury stock, at cost, 885,438 shares at March 31, 2012 and 883,222 shares at December 31, 2011	(1,408,617)	(1,400,417)
Total stockholders' equity	16,318,025	15,310,555
Total liabilities and stockholders' equity	$ 72,655,108	$ 69,704,905