Condensed Consolidated Balance Sheets (USD $)	Jun. 30, 2012	Dec. 31, 2011
Assets
Fixed-maturity securities, held to maturity, at amortized cost (fair value of $797,992 at June 30, 2012 and $777,953 at December 31, 2011)	$ 606,265	$ 606,234
Fixed-maturity securities, available for sale, at fair value (amortized cost of $21,323,148 at June 30, 2012 and $22,215,191at December 31, 2011)	22,164,430	22,568,932
Equity securities, available-for-sale, at fair value (cost of $4,155,363 at June 30, 2012 and $3,857,741 at December 31, 2011)	4,617,047	4,065,210
Total investments	27,387,742	27,240,376
Cash and cash equivalents	1,025,724	173,126
Premiums receivable, net of provision for uncollectible amounts	6,951,282	5,779,085
Receivables - reinsurance contracts	3,423,759	1,734,535
Reinsurance receivables, net of provision for uncollectible amounts	26,166,406	23,880,814
Notes receivable-sale of business	339,102	393,511
Deferred acquisition costs	5,092,435	4,535,773
Intangible assets, net	3,422,815	3,660,672
Property and equipment, net of accumulated depreciation	1,652,262	1,646,341
Other assets	952,463	660,672
Total assets	76,413,990	69,704,905
Liabilities
Loss and loss adjustment expenses	20,798,094	18,480,717
Unearned premiums	23,932,647	21,283,160
Advance premiums	550,100	544,791
Reinsurance balances payable	3,556,919	2,761,828
Deferred ceding commission revenue	4,467,514	3,982,399
Notes payable (includes payable to related parties of $378,000 at June 30, 2012 and December 31, 2011)	997,000	1,047,000
Accounts payable, accrued expenses and other liabilities	3,249,815	4,419,623
Income taxes payable		85,393
Deferred income taxes	1,886,541	1,789,439
Total liabilities	59,438,630	54,394,350
Stockholders' Equity
Common stock, $.01 par value; authorized 10,000,000 shares; issued 4,696,593 shares at June 30, 2012 and 4,643,122 shares at December 31, 2011; outstanding 3,811,155 shares at June 30, 2012 and 3,759,900 shares at December 31, 2011)	46,966	46,432
Preferred stock, $.01 par value; authorized 1,000,000 shares; -0- shares issued and outstanding
Capital in excess of par	13,823,800	13,739,792
Accumulated other comprehensive income	859,957	370,399
Retained earnings	3,653,254	2,554,349
Total	18,383,977	16,710,972
Treasury stock, at cost, 885,438 shares at June 30, 2012 and 883,222 shares at December 31, 2011	(1,408,617)	(1,400,417)
Total stockholders' equity	16,975,360	15,310,555
Total liabilities and stockholders' equity	$ 76,413,990	$ 69,704,905