CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Revenue:
Insurance premiums	$ 26,197	$ 24,387	$ 51,619	$ 47,745
Investment income	2,691	2,576	5,260	5,133
Realized investment gains, net	70	13	71	13
Other income	115	111	178	159
Total revenue	29,073	27,087	57,128	53,050
Benefits and expenses:
Insurance benefits and losses incurred	18,221	17,425	34,852	32,815
Commissions and underwriting expenses	7,545	6,827	15,446	13,967
Interest expense	647	653	1,287	1,295
Other	2,328	2,119	4,583	4,336
Total benefits and expenses	28,741	27,024	56,168	52,413
Income before income taxes	332	63	960	637
Income tax expense (benefit)	140	(13)	299	144
Net income	192	76	661	493
Preferred stock dividends	(127)	(127)	(254)	(254)
Net income (loss) applicable to common stock	$ 65	$ (51)	$ 407	$ 239
Net income (loss) per common share (basic and diluted)	$ 0	$ 0	$ 0.02	$ 0.01