Condensed Consolidated Balance Sheets (USD $)	Sep. 30, 2012	Dec. 31, 2011
Assets
Fixed-maturity securities, held to maturity, at amortized cost (fair value of $792,101 at September 30, 2012 and $777,953 at December 31, 2011)	$ 606,273	$ 606,234
Fixed-maturity securities, available for sale, at fair value (amortized cost of $21,780,082 at September 30, 2012 and $22,215,191 at December 31, 2011)	23,102,130	22,568,932
Equity securities, available for sale, at fair value (cost of $4,716,098 at September 30, 2012 and $3,857,741 at December 31, 2011)	5,230,893	4,065,210
Total investments	28,939,296	27,240,376
Cash and cash equivalents	2,447,849	173,126
Premiums receivable, net of provision for uncollectible amounts	6,854,026	5,779,085
Receivables - reinsurance contracts	2,668,123	1,734,535
Reinsurance receivables, net of provision for uncollectible amounts	28,047,484	23,880,814
Notes receivable-sale of business	331,207	393,511
Deferred acquisition costs	5,397,647	4,535,773
Intangible assets, net	3,303,886	3,660,672
Property and equipment, net of accumulated depreciation	1,640,464	1,646,341
Other assets	895,269	660,672
Total assets	80,525,251	69,704,905
Liabilities
Loss and loss adjustment expenses	22,283,145	18,480,717
Unearned premiums	25,309,496	21,283,160
Advance premiums	497,273	544,791
Reinsurance balances payable	3,164,848	2,761,828
Deferred ceding commission revenue	4,662,272	3,982,399
Notes payable (includes payable to related parties of $378,000 at September 30, 2012 and December 31, 2011)	1,097,000	1,047,000
Accounts payable, accrued expenses and other liabilities	3,404,982	4,505,016
Deferred income taxes	2,011,122	1,789,439
Total liabilities	62,430,138	54,394,350
Stockholders' Equity
Common stock, $.01 par value; authorized 10,000,000 shares; issued 4,715,829 shares at September 30, 2012 and 4,643,122 shares at December 31, 2011; outstanding 3,828,391 shares at September 30, 2012 and 3,759,900 shares at December 31, 2011	47,159	46,432
Preferred stock, $.01 par value; authorized 1,000,000 shares; -0- shares issued and outstanding
Capital in excess of par	13,839,741	13,739,792
Accumulated other comprehensive income	1,212,316	370,399
Retained earnings	4,414,024	2,554,349
Total	19,513,240	16,710,972
Treasury stock, at cost, 887,438 shares at September 30, 2012 and 883,222 shares at December 31, 2011	(1,418,127)	(1,400,417)
Total stockholders' equity	18,095,113	15,310,555
Total liabilities and stockholders' equity	$ 80,525,251	$ 69,704,905