UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 11-K (Mark One) [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2008 ------------------------------------------- OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 0-3722 ------ A. Full title of the plan and the address of the plan, if different from that of the issuer named below: Atlantic American Corporation 401(k) Retirement Savings Plan B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: Atlantic American Corporation 4370 Peachtree Road, N.E. Atlanta, GA 30319 TABLE OF CONTENTS ----------------- SIGNATURES ---------- Financial Statements and Schedules ---------------------------------- Consent of BDO Seidman LLP ----------------------------------------------- Consent of Gifford, Hillegass & Ingwersen LLP ----------------------------------------------- SIGNATURES THE PLAN. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized. Atlantic American Corporation 401(k) Retirement Savings Plan ----------------------------------------------------- (Name of Plan) Date: June 29, 2009 /s/ John G. Sample, Jr. --------------- ------------------------------------------------------ John G. Sample, Jr. Senior Vice President, CFO and Acting Secretary Atlantic American Corporation ATLANTIC AMERICAN CORPORATION 401(k) RETIREMENT SAVINGS PLAN The following exhibits are filed herewith: Exhibit 1: Financial Statements and Supplemental Schedule for the years ended December 31, 2008 and 2007 together with Reports of Independent Registered Public Accounting Firms. Exhibit 2: Consent of BDO Seidman LLP, Independent Registered Public Accounting Firm. Exhibit 3: Consent of Gifford , Hillegass & Ingwersen LLP, Independent Registered Public Accounting Firm.