CONSOLIDATED CONDENSED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	3 Months Ended		9 Months Ended
	Feb. 28, 2013	Feb. 29, 2012	Feb. 28, 2013	Feb. 29, 2012
CASH FLOWS FROM OPERATING ACTIVITIES
Net Loss	$ (464,199)	$ (401,982)	$ (1,550,108)	$ (988,481)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Unearned premium	13,528	106,105	(86,543)	18,743
Stock option expense	0	0	0	370
Stock issued (or to be issued) in connection with financing arrangements	27,306	10,479	207,906	55,616
Stock issued (or to be issued) in connection with dividend arrangements	11,063	10,920	33,068	32,157
Stock issued (or to be issued) in connection with services rendered	0	4,470	59,890	4,470
Accrual of Series A preferred stock dividends	14,656	0	43,374	0
Accrual of Series B preferred stock dividends and accretion	96,782	89,392	283,653	262,318
Provision for loss reserves	42,853	50,386	139,258	153,982
Amortization of premium	26,824	19,604	64,615	61,300
Depreciation.	2,671	2,678	8,013	8,064
Accretion of discount	(6,264)	0	(17,400)
Realized loss on sale of securities	(15,144)	2,363	(41,024)	(12,356)
Change in operating assets and liabilities:
Other assets.	(11,985)	(74,807)	(6,211)	(68,888)
Premium and other receivables.	64,871	40,764	116,050	17,451
Investment income due and accrued.	20,761	10,084	20,212	2,694
Deferred policy acquisition costs.	(25,387)	(24,978)	(13,498)	34,983
Related party accounts payable	10,525	1,025	13,075	13,575
Accounts payable and cash overdraft	(16,779)	39,319	47,387	35,640
Accrued expenses and other liabilities	143,331	221,354	748,671	557,888
NET CASH FLOWS FROM (USED IN) OPERATING ACTIVITIES	(64,587)	107,176	70,388	189,526
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease in short-term investments	(393,637)	270,757	335,905	760,682
Costs of bonds acquired	(551,756)	(371,556)	(1,137,860)	(1,325,124)
Costs of mortgaged-backed securities acquired	0	(288,829)	(599,797)	(634,182)
Purchase of equity securities	(119,267)	(81,817)	(276,367)	(220,815)
Proceeds from sale of securities available for sale	781,883	64,297	995,224	200,100
Repayment of mortgage-backed securities	257,203	199,335	631,360	677,233
(Purchase)/Collection of accrued interest	(2,760)	4,273	(2,965)	1,008
NET CASH FLOWS USED IN INVESTING ACTIVITIES	(28,334)	(203,540)	(54,500)	(541,098)
CASH FLOWS FROM FINANCING ACTIVITIES
Proceeds from related party debt	351,145	314,479	1,015,819	787,180
Repayment of related party debt	(223,820)	(355,091)	(1,045,610)	(790,589)
Proceeds from borrowings	12,000	382,500	320,000	794,000
Repayment of borrowings	(118,849)	(173,500)	(416,849)	(606,500)
NET CASH FLOWS FROM (USED IN) FINANCING ACTIVITIES	20,476	168,388	(126,640)	184,091
NET INCREASE (DECREASE) IN CASH	(72,445)	72,024	(110,752)	(167,481)
CASH AT BEGINNING OF PERIOD	220,772	51,064	259,079	290,569
CASH AT END OF PERIOD	148,327	123,088	148,327	123,088
SUPPLEMENTAL DISCLOSURES
Interest paid	24,479	20,562	98,095	90,650
Income taxes paid	0	0	0	0
Non-cash investing and financing transaction:
Additional shares of stock paid for issuance of debt	$ 27,306	$ 10,479	$ 207,906	$ 55,788