CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
Revenue:
Insurance premiums	$ 107,471	$ 97,613
Investment income	10,587	9,737
Realized investment gains (losses), net	27	(741)
Other income	247	280
Total revenue	118,332	106,889
Benefits and expenses:
Insurance benefits and losses incurred	73,614	66,854
Commissions and underwriting expenses	29,536	28,099
Interest expense	2,599	2,612
Other	9,268	8,703
Total benefits and expenses	115,017	106,268
Income before income taxes	3,315	621
Income tax expense (benefit)	25	(369)
Net income	3,290	990
Preferred stock dividends	(508)	(508)
Net income applicable to common stock	$ 2,782	$ 482
Basic earnings per common share (in dollars per share)	$ 0.13	$ 0.02
Diluted earnings per common share (in dollars per share)	$ 0.12	$ 0.02