SHAREHOLDERS' EQUITY (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
STOCK REPURCHASE PROGRAM [Abstract]
Increase in stock repurchase program authorized amount	$ 1,000,000
Stock repurchase program authorized amount	6,000,000
Treasury Stock, Shares, Acquired	71,964
Amount paid to repurchase shares during the year	928,902
Amount of common stock repurchased	4,611,696
Number of common stock acquired (in shares)	562,690
ACAP MERGER [Abstract]
Number of shares to be received (in shares)	233
Number of shares issued (in shares)	50,328
Stock Issued During Period, Shares, Restricted Stock Award, Gross	16,225
Stock issued during period price per share	$ 13.25
Share-based Compensation, Total	214,981
EARNINGS PER SHARE CALCULATIONS [Abstract]
Basic Shares (Denominator) (in shares)	3,809,639	3,824,444
Effect of Dilutive Securities (Denominator) (in shares)	0	0
Diluted Shares (Denominator) (in shares)	3,809,639	3,824,444
Minimum statutory surplus required to maintain	2,500,000
Period from declaration of ordinary dividend requires notification to insurance commissioner	5
Minimum period prior to payment of dividend requires notification to insurance commissioner	10
Percentage of statutory capital and surplus (in hundredths)	10.00%
Ordinary dividends paid	$ 3,316,722	$ 3,530,000
Period for which no extraordinary dividends paid	2