SHAREHOLDERS' EQUITY (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
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	25,836
Amount paid to repurchase shares during the year	320,980
Amount of common stock repurchased	4,932,675
Number of common stock acquired (in shares)	588,526
ACAP MERGER [Abstract]
Number of shares issued (in shares)	50,328
Stock Issued During Period, Shares, Restricted Stock Award, Gross	3,162	16,225
Stock issued during period price per share	$ 10.75	$ 13.25
Share-based Compensation, Total	33,992	214,981
EARNINGS PER SHARE CALCULATIONS [Abstract]
Basic Shares (Denominator) (in shares)	3,787,913	3,809,639
Effect of Dilutive Securities (Denominator) (in shares)	0	0
Diluted Shares (Denominator) (in shares)	3,787,913	3,809,639
Minimum statutory surplus required to maintain	2,500,000
Period from declaration of ordinary dividend requires notification to insurance commissioner	P5D
Minimum period prior to payment of dividend requires notification to insurance commissioner	P10D
Percentage of statutory capital and surplus (in hundredths)	10.00%
Ordinary dividends paid	$ 2,700,000	$ 3,316,722
Period for which no extraordinary dividends paid	P2D