CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Revenue:
Insurance premiums	$ 126,743	$ 107,471
Investment income	11,504	10,587
Realized investment gains, net	1,434	27
Other income	147	247
Total revenue	139,828	118,332
Benefits and expenses:
Insurance benefits and losses incurred	89,817	73,614
Commissions and underwriting expenses	32,477	29,536
Interest expense	2,632	2,599
Other	9,820	9,268
Total expenses	134,746	115,017
Income before income taxes	5,082	3,315
Income tax expense	646	25
Net income	4,436	3,290
Preferred stock dividends	(508)	(508)
Net income applicable to common stock	$ 3,928	$ 2,782
Basic earnings per common share (in dollars per share)	$ 0.19	$ 0.13
Diluted earnings per common share (in dollars per share)	$ 0.18	$ 0.12