Form 8-K




SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549


FORM 8-K


Current Report
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934


            Date of Report (Date of Earliest Event Reported): March 9, 2004 (March 8, 2004)



ATLANTIC AMERICAN CORPORATION
 (Exact Name of Registrant as Specified in Its Charter)




Georgia
(State or Other Jurisdiction of Incorporation)		 0-3722
 (Commission File Numbers)		 58-1027114
 (I.R.S. Employer Identification No.)
 
4370 Peachtree Rd., N.E.
Atlanta, Georgia
(Address of Principal Executive Offices)		   30319
(Zip Code)


            Registrant's Telephone Number, Including Area Code:      (404) 266-5500


Not Applicable

(Former Name or Former Address, if Changed Since Last Report)











     
  Item 7.    Financial Statements, Pro Forma Financial Information and Exhibits
 
  (c) Exhibits
 
  99.1 Press Release, dated March 8, 2004, reporting the results of operations of Atlantic American Corporation (the “Registrant”) for its fourth quarter and year ended December 31, 2003 (furnished and not filed herewith solely pursuant to Item 12).
 
  Item 12.     Results of Operations and Financial Condition
 
  On March 8, 2004, the Registrant reported its results of operations for its fourth quarter and year ended December 31, 2003. A copy of the press release issued by the Registrant concerning the foregoing results is furnished herewith as Exhibit 99.1 and is incorporated herein by reference. The information contained herein and in the accompanying exhibit shall not be incorporated by reference into any filing of the Registrant, whether made before or after the date hereof, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference to such filing. The information in this report, including the exhibit hereto, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended.



SIGNATURE

           Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has
duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

  ATLANTIC AMERICAN CORPORATION
 
    By:    /s/ John G. Sample, Jr.
            John G. Sample, Jr.
          Senior Vice President and Chief Financial Officer

                          Date:   March 9, 2004






EXHIBIT INDEX

     
Exhibits:
Exhibit 99.1 Press release dated March 8, 2004