CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Revenue:
Insurance premiums	$ 32,381	$ 27,211	$ 94,654	$ 78,830
Investment income	2,880	2,652	8,618	7,912
Realized investment gains, net	0	903	1,428	974
Other income	41	34	106	212
Total revenue	35,302	30,800	104,806	87,928
Benefits and expenses:
Insurance benefits and losses incurred	22,289	19,301	68,056	54,153
Commissions and underwriting expenses	8,962	6,746	23,965	22,192
Interest expense	662	653	1,977	1,940
Other	2,433	2,332	7,278	6,915
Total benefits and expenses	34,346	29,032	101,276	85,200
Income before income taxes	956	1,768	3,530	2,728
Income tax (benefit) expense	(128)	64	8	363
Net income	1,084	1,704	3,522	2,365
Preferred stock dividends	(127)	(127)	(381)	(381)
Net income applicable to common shareholders	$ 957	$ 1,577	$ 3,141	$ 1,984
Basic earnings per common share (in dollars per share)	$ 0.05	$ 0.07	$ 0.15	$ 0.09
Diluted earnings per common share (in dollars per share)	$ 0.04	$ 0.07	$ 0.15	$ 0.09