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<SEC-DOCUMENT>0000008177-02-000049.txt : 20020814
<SEC-HEADER>0000008177-02-000049.hdr.sgml : 20020814
<ACCEPTANCE-DATETIME>20020814115202
ACCESSION NUMBER:		0000008177-02-000049
CONFORMED SUBMISSION TYPE:	10-Q
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20020630
FILED AS OF DATE:		20020814

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ATLANTIC AMERICAN CORP
		CENTRAL INDEX KEY:			0000008177
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				581027114
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-Q
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-03722
		FILM NUMBER:		02732815

	BUSINESS ADDRESS:	
		STREET 1:		4370 PEACHTREE RD NE
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30319
		BUSINESS PHONE:		4042665500

	MAIL ADDRESS:	
		STREET 1:		4370 PEACHTREE ROAD
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30319
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>1
<FILENAME>form10q2ndqtr02.htm
<DESCRIPTION>QUARTERLY REPORT
<TEXT>

<html>
<head>
<title>
2nd Qtr 10-Q 2002
</title>
</head>
<body>




<hr width=85% size=1 noshade>
<p align=center><font size=2 face="times new roman, serif"> SECURITIES AND EXCHANGE COMMISSION<BR>
                                                        Washington, D.C. 20549</font></p>

<HR SIZE=1 NOSHADE WIDTH=15% ALIGN=CENTER>

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FORM 10-Q</FONT></H1>

<HR SIZE=1 NOSHADE WIDTH=15% ALIGN=CENTER>

<p align=center><font size=2 face="times new roman, serif"> |X| Quarterly Report pursuant to Section 13 or 15(d) of<BR>
                                                  the Securities Exchange Act of 1934</font></p>

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>For the
quarterly period ended June 30, 2002</FONT></H1>
<p align=center><font size=2 face="times new roman, serif"> OR</font></p>
<p align=center><font size=2 face="times new roman, serif"> |_| Transition report pursuant to Section 13 or 15(d) of<BR>
                                                  the Securities Exchange Act of 1934</font></p>


<HR SIZE=1 NOSHADE WIDTH=15% ALIGN=CENTER>
<p align=center><font size=2 face="times new roman, serif"> Commission File Number 0-3722</font></p>



<p align=center><font size=2 face="times new roman, serif"><b>ATLANTIC
AMERICAN CORPORATION</b><BR> Incorporated pursuant to the laws of the State of Georgia
</font></p>

<HR SIZE=1 NOSHADE WIDTH=15% ALIGN=CENTER>
<p align=center><font size=2 face="times new roman, serif"> Internal Revenue Service-- Employer Identification No.<BR>
58-1027114</font></p>
<p align=center><font size=2 face="times new roman, serif"> Address of Principal Executive Offices:<BR>
                                           4370 Peachtree Road, N.E., Atlanta, Georgia 30319<BR>
                                                            (404) 266-5500</font></p>


<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Indicate by check mark whether
registrant (1) has filed all reports required to be filed by Section 13 or 15
(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or
for such shorter period that the registrant was required to file such reports),
and (2) has been subject to such filing requirements for the past 90 days. YES
|X| ___ NO |_| </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The total number of shares
of the registrant&#146;s Common Stock, $1 par value, outstanding on August 2,
2002, was 21,344,531. </FONT></P>

<hr width=85% size=1>



<PAGE>

<HR>

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ATLANTIC
AMERICAN CORPORATION</FONT></H1>

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>INDEX</FONT></H1>

<table width=680 align=center cellspacing=0 cellpadding=8 border=0>
<tr>
<td><font size=2 face="times new roman, serif"><u>Part I.</u></font></td>
<td><font size=2 face="times new roman, serif"><u> Financial Information</u></font></td>
<td align=center><font size=2 face="times new roman, serif"><u> Page No.</u></font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Item 1. </font></td>
<td><font size=2 face="times new roman, serif">Financial Statements:</font></td>
<td>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><font size=2 face="times new roman, serif"><A HREF="#consolidated_balance_sheets">Consolidated Balance Sheets</A> -<BR>
June 30, 2002 and December 31, 2001 </font></td>
<td align=center><font size=2 face="times new roman, serif">2</font></td>
</tr>
<tr bgcolor="#eeeeee">

<td>&nbsp;</td>
<td><font size=2 face="times new roman, serif"><A HREF="#consolidated_statements_operations">Consolidated Statements of Operations</A>-<BR>
         Three months and six months ended June 30, 2002 and 2001</font>  </td>
<td align=center> <font size=2 face="times new roman, serif">3</font></td>
</tr>
<tr>
<td>&nbsp;</td>
<td><font size=2 face="times new roman, serif"><A HREF="#consolidated_statements_shareholders_equity">Consolidated Statements of Shareholders' Equity</A> -<BR>
         Six months ended June 30, 2002 and 2001 </font></td>
<td align=center><font size=2 face="times new roman, serif"> 4</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td>&nbsp;</td>
<td><font size=2 face="times new roman, serif"><A HREF="#consolidates_statement_cash_flows">Consolidated Statements of Cash Flows</A> -<BR>
Six months ended June 30, 2002 and 2001</font></td>
<td align=center><font size=2 face="times new roman, serif"> 5</font></td>
</tr>
<tr>
<td>&nbsp;</td>
<td> <font size=2 face="times new roman, serif"><A HREF="#notes_to_consolidated_statements">Notes to Consolidated Financial Statements</A></font></td>
<td align=center><font size=2 face="times new roman, serif">6</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Item 2.</font></td>
<td><font size=2 face="times new roman, serif"><A HREF="#managements_discussion">Management's Discussion and Analysis of Financial Condition</A><BR>
and Results of Operations</font></td>
<td align=center><font size=2 face="times new roman, serif">11</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Item 3.</font></td>
<td> <font size=2 face="times new roman, serif"><A HREF="#quantitative_and_qualitative_disclosures">Quantitative and Qualitative Disclosures About Market Risk</A></font></td>
<td align=center><font size=2 face="times new roman, serif"> 18</font></td>
</tr>

<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Item 4.</font></td>
<td><font size=2 face="times new roman, serif"><A HREF="#quantitative_and_qualitative_disclosures">Submission of Matters to a Vote of Security Holders</A></font></td>
<td align=center><font size=2 face="times new roman, serif">18</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><u>Part II.</u></font> </td>
<td><font size=2 face="times new roman, serif"><u>Other Information</u></font></td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Item 6.</font></td>
<td><font size=2 face="times new roman, serif"><A HREF="#exhibits_and_reports_on_8k">Exhibits and Reports on Form 8-K</A></font></td>
<td align=center><font size=2 face="times new roman, serif">19</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><A HREF="#signature">Signature</A></font></td>
<td>&nbsp;</td>
<td align=center> <font size=2 face="times new roman, serif">20</font></td>
</tr>
</table>



<PAGE>

<HR>




<a name="consolidated_balance_sheets"></a>
<p align=center><font size=2 face="times new roman, serif"><b>PART I.&nbsp;&nbsp;FINANCIAL INFORMATION</B></font></P>

<p><font size=2 face="times new roman, serif"><u>Item 1.&nbsp;  Financial Statements</u></font></p>
<p align=center><font size=2 face="times new roman, serif"><b> ATLANTIC AMERICAN CORPORATION AND SUBSIDIARIES<BR>
                                                      CONSOLIDATED BALANCE SHEETS</b></font></p>
<table width=90% align=center cellspacing=0 cellpadding=1 border=0>
<tr>
<td width=70%><font size=2 face="times new roman, serif"><i>(Unaudited; In thousands,
except share and  per  share data)</i></font></td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr>
<td align=center colspan=3><font size=2 face="times new roman, serif"><b> ASSETS</b></font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center> <font size=2 face="times new roman, serif">June 30,<BR> 2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">December 31,<BR>2001</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td align=left> <font size=2 face="times new roman, serif">Cash, including short-term investments of $8,442 and $39,151</font></td>
<td align=right><font size=2 face="times new roman, serif"> $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;44,008</font><hr noshade size=1></td>
<td align=right> <font size=2 face="times new roman, serif">$ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;68,846</font><hr noshade size=1></td>
</tr>
<tr>
<td align=left> <font size=2 face="times new roman, serif">Investments:</font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td align=left><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;Bonds (cost: $158,311 and $132,242)</font></td>
<td align=right><font size=2 face="times new roman, serif"> 160,584</font></td>
<td align=right> <font size=2 face="times new roman, serif">133,470</font></td>
</tr>
<tr>
<td align=left><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;Common and preferred stocks (cost: $42,233 and $41,658)</font></td>
<td align=right><font size=2 face="times new roman, serif"> 59,777</font></td>
<td align=right> <font size=2 face="times new roman, serif">54,628</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td align=left> <font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;Other invested assets (cost: $5,498 and $5,062)</font></td>
<td align=right> <font size=2 face="times new roman, serif">5,276</font></td>
<td align=right><font size=2 face="times new roman, serif"> 4,854</font></td>
</tr>
<tr>
<td align=left><font size=2 face="times new roman, serif">&nbsp;&nbsp; Mortgage loans</font></td>
<td align=right><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;3,358</font></td>
<td align=right><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;3,421</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td> <font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;Policy and student loans</font></td>
<td align=right> <font size=2 face="times new roman, serif">2,333</font></td>
<td align=right> <font size=2 face="times new roman, serif">2,713</font></td>
</tr>
<tr valign=top>
<td> <font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;Real estate</font></td>
<td align=right><font size=2 face="times new roman, serif"> 46</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif"> 46</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total investments</font></td>
<td align=right><font size=2 face="times new roman, serif"> 231,374</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif"> 199,132</font><hr noshade size=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"> Receivables:</font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td> <font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Reinsurance</font></td>
<td align=right> <font size=2 face="times new roman, serif">53,752</font></td>
<td align=right><font size=2 face="times new roman, serif"> 48,946</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;Other (net of allowance for bad debts: $1,192 and $1,119)</font></td>
<td align=right> <font size=2 face="times new roman, serif">55,247</font></td>
<td align=right> <font size=2 face="times new roman, serif">39,055</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> Deferred income taxes, net</font></td>
<td align=right> <font size=2 face="times new roman, serif">-</font></td>
<td align=right> <font size=2 face="times new roman, serif">2,294</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"> Deferred acquisition costs</font></td>
<td align=right><font size=2 face="times new roman, serif"> 26,679</font></td>
<td align=right><font size=2 face="times new roman, serif"> 24,681</font></TD>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> Other assets</font></td>
<td align=right> <font size=2 face="times new roman, serif">10,360</font></td>
<td align=right><font size=2 face="times new roman, serif"> 10,241</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif"> Goodwill (Note 2)</font></td>
<td align=right><font size=2 face="times new roman, serif"> 3,008</font><hr noshade size=1> </td>
<td align=right> <font size=2 face="times new roman, serif">18,824</font><hr noshade size=1> </td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total assets</font></td>
<td align=right> <font size=2 face="times new roman, serif">$ &nbsp;&nbsp;&nbsp;&nbsp;424,428</font><hr noshade size=3> </td>
<td align=right> <font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;412,019</font><hr noshade size=3></td>
</tr>
</table>

<p align=center><font size=1 face="times new roman, serif"><b> LIABILITIES AND SHAREHOLDERS' EQUITY</b></font></p>
<TABLE  width=90% align=center CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR>
<TD width=70%><font size=2 face="times new roman, serif">Insurance reserves and policy funds:</font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Future policy benefits</font></td>
<td align=right width=15%><font size=2 face="times new roman, serif">$ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;45,611</font></td>
<td align=right width=15%><font size=2 face="times new roman, serif"> $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 44,355</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unearned premiums</font></td>
<td align=right><font size=2 face="times new roman, serif"> 64,701</font></td>
<td align=right><font size=2 face="times new roman, serif"> 51,025</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Losses and claims</font></td>
<td align=right><font size=2 face="times new roman, serif"> 147,229</font></td>
<td align=right><font size=2 face="times new roman, serif"> 143,515</font></td>
</tr>
<tr valign=top>
<td> <font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other policy liabilities</font></td>
<td align=right> <font size=2 face="times new roman, serif">4,580</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif"> 4,304</font><HR NOSHADE SIZE=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total policy liabilities</font></td>
<td align=right><font size=2 face="times new roman, serif"> 262,121</font></td>
<td align=right> <font size=2 face="times new roman, serif">243,199</font></td>
</tr>
<tr>
<td> <font size=2 face="times new roman, serif">Deferred income taxes, net</font></td>
<td align=right> <font size=2 face="times new roman, serif">662</font></td>
<td align=right><font size=2 face="times new roman, serif"> -</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> Accounts payable and accrued expenses</font></td>
<td align=right><font size=2 face="times new roman, serif"> 40,537</font></td>
<td align=right> <font size=2 face="times new roman, serif"> 37,294</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif"> Debt payable</font></td>
<td align=right><font size=2 face="times new roman, serif"> 44,000</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif"> 44,000</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities</font></td>
<td align=right><font size=2 face="times new roman, serif"> 347,320</font><HR NOSHADE SIZE=1></td>
<td align=right> <font size=2 face="times new roman, serif">324,493</font><HR NOSHADE SIZE=1></td>
</tr>
<tr>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Commitments and contingencies (Note 8)</font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Shareholders' equity:</font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr valign=bottom>
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preferred stock, $1 par, 4,000,000 shares authorized;<BR>
       &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Series B preferred, 134,000 shares issued and outstanding,<BR>
       &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$13,400 redemption value </font></td>
<td align=right><font size=2 face="times new roman, serif"> 134</font></td>
<td align=right> <font size=2 face="times new roman, serif">134</font></td>
</tr>
<tr valign=bottom bgcolor="#eeeeee">
<td> <font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Series C preferred, 25,000 shares issued and outstanding,<BR>
       &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$2,500 redemption value </font></td>
<td align=right><font size=2 face="times new roman, serif"> 25</font></td>
<td align=right><font size=2 face="times new roman, serif"> 25</font></td>
</tr>
<tr valign=bottom>
<td> <font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common stock, $1 par, 30,000,000 shares authorized; 21,412,138 shares<BR>
      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;issued in 2002 and 2001 and 21,295,451 outstanding in 2002 and<BR>
      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,245,711 shares outstanding in 2001</font></td>
<td align=right><font size=2 face="times new roman, serif"> 21,412</font></td>
<td align=right><font size=2 face="times new roman, serif"> 21,412</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additional paid-in capital</font></td>
<td align=right><font size=2 face="times new roman, serif"> 55,909</font></td>
<td align=right><font size=2 face="times new roman, serif"> 56,606</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retained earnings (accumulated deficit)</font></td>
<td align=right><font size=2 face="times new roman, serif"> (12,359)</font></td>
<td align=right><font size=2 face="times new roman, serif"> 1,097</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accumulated other comprehensive income</font></td>
<td align=right> <font size=2 face="times new roman, serif">12,292</font></td>
<td align=right><font size=2 face="times new roman, serif">8,748</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Treasury stock, at cost, 116,687 shares
in 2002 and 166,427 shares in 2001</font></td>
<td align=right> <font size=2 face="times new roman, serif">(305)</font><HR NOSHADE SIZE=1></td>
<td align=right> <font size=2 face="times new roman, serif">(496)</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity</font></td>
<td align=right><font size=2 face="times new roman, serif"> 77,108</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif"> 87,526</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and shareholders' equity</font> </td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 424,428</font><HR NOSHADE SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif"> $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 412,019</font><HR NOSHADE SIZE=2></td>
</tr>
</table>

<P ALIGN=CENTER><font size=2 face="times new roman, serif"> The accompanying notes are an integral part of these consolidated financial statements.</font></p>
<p align=center><font size=2 face="times new roman, serif"> -2-</font></P>


<PAGE>
<hr>



<a name="consolidated_statements_operations"></a>
<p align=center><font size=2 face="times new roman, serif"><B>ATLANTIC
AMERICAN CORPORATION AND SUBSIDIARIES<BR>
CONSOLIDATED
STATEMENTS OF OPERATIONS</b></font></p>

<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" align=center colspan=2><font size=2 face="times new roman, serif">Three Months Ended<BR>June 30,</font><HR NOSHADE SIZE=1></td>
<td bgcolor="#eeeeee" align=center colspan=2><font size=2 face="times new roman, serif">Six Months Ended<BR>June 30,</font><HR NOSHADE SIZE=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><i> (Unaudited; In thousands, except per share data)</i></font></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><HR NOSHADE SIZE=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><HR NOSHADE SIZE=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><HR NOSHADE SIZE=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><HR NOSHADE SIZE=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Revenue:</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Insurance premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;39,396</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;36,005</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;75,532</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;71,855</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Investment income</font></td>
<td align=right><font size=2 face="times new roman, serif">3,539</font></td>
<td align=right><font size=2 face="times new roman, serif">3,809</font></td>
<td align=right><font size=2 face="times new roman, serif">6,911</font></td>
<td align=right><font size=2 face="times new roman, serif">7,577</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Realized investment gains (losses), net</font></td>
<td align=right><font size=2 face="times new roman, serif">(29)</font></td>
<td align=right><font size=2 face="times new roman, serif">994</font></td>
<td align=right><font size=2 face="times new roman, serif">102</font></td>
<td align=right><font size=2 face="times new roman, serif">1,148</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Other income</font></td>
<td align=right><font size=2 face="times new roman, serif">173</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">252</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">603</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">701</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total revenue</font></td>
<td align=right><font size=2 face="times new roman, serif">43,079</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">41,060</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">83,148</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">81,281</font><HR NOSHADE SIZE=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Benefits and expenses:</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Insurance benefits and losses incurred</font></td>
<td align=right><font size=2 face="times new roman, serif">27,891</font></td>
<td align=right><font size=2 face="times new roman, serif">28,041</font></td>
<td align=right><font size=2 face="times new roman, serif">53,507</font></td>
<td align=right><font size=2 face="times new roman, serif">53,593</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Commissions and underwriting expenses</font></td>
<td align=right><font size=2 face="times new roman, serif">10,346</font></td>
<td align=right><font size=2 face="times new roman, serif">8,294</font></td>
<td align=right><font size=2 face="times new roman, serif">19,100</font></td>
<td align=right><font size=2 face="times new roman, serif">17,737</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Interest expense</font></td>
<td align=right><font size=2 face="times new roman, serif">643</font></td>
<td align=right><font size=2 face="times new roman, serif">869</font></td>
<td align=right><font size=2 face="times new roman, serif">1,249</font></td>
<td align=right><font size=2 face="times new roman, serif">1,823</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Other</font></td>
<td align=right><font size=2 face="times new roman, serif">2,778</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">2,827</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">5,607</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">5,500</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total benefits and expenses</font></td>
<td align=right><font size=2 face="times new roman, serif">41,658</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">40,031</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">79,463</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">78,653</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=bottom>
<td><font size=2 face="times new roman, serif">Income before income tax expense and cumulative<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;effect of change in accounting principle</font></td>
<td align=right><font size=2 face="times new roman, serif">1,421</font></td>
<td align=right><font size=2 face="times new roman, serif">1,029</font></td>
<td align=right><font size=2 face="times new roman, serif">3,685</font></td>
<td align=right><font size=2 face="times new roman, serif">2,628</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Income tax expense</font></td>
<td align=right><font size=2 face="times new roman, serif">479</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">389</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">1,238</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">998</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=bottom>
<td><font size=2 face="times new roman, serif">Income before cumulative effect of change in<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;accounting principle</font></td>
<td align=right><font size=2 face="times new roman, serif">942</font></td>
<td align=right><font size=2 face="times new roman, serif">640</font></td>
<td align=right><font size=2 face="times new roman, serif">2,447</font></td>
<td align=right><font size=2 face="times new roman, serif">1,630</font></td>
</tr>
<tr valign=bottom bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Cumulative effect of change in accounting<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;principle (Note 2)<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(15,816)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Net income (loss)</font></td>
<td align=right><font size=2 face="times new roman, serif">942</font></td>
<td align=right><font size=2 face="times new roman, serif">640</font></td>
<td align=right><font size=2 face="times new roman, serif">(13,369)</font></td>
<td align=right><font size=2 face="times new roman, serif">1,630</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Preferred stock dividends</font></td>
<td align=right><font size=2 face="times new roman, serif">(357)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(357)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(715)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(715)</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Net income (loss) applicable to common stock</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;585</font><HR NOSHADE
SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;283</font><HR NOSHADE SIZE=2>
</td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;(14,084)</font><HR NOSHADE SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;915</font><HR NOSHADE SIZE=2>
</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Basic earnings per common share:</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr valign=bottom>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income before cumulative effect of<BR>
     &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;change in accounting principle</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.03</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.01</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.08
</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.04</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cumulative effect of change in accounting principle
</font></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(.74)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income (loss)</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.03</font>
<HR NOSHADE SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.01</font>
<HR NOSHADE SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(.66)</font>
<HR NOSHADE SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.04</font>
<HR NOSHADE SIZE=2></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Diluted earnings per common share:</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr valign=bottom>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income before cumulative effect of<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;change in accounting principle</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.03</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.01</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.08</font>
</td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.04</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cumulative effect of change in accounting principle
</font></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(.73)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income (loss)</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.03</font><HR NOSHADE
SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.01</font><HR NOSHADE SIZE=2>
</td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(.65)</font><HR NOSHADE
SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.04</font><HR NOSHADE
SIZE=2></td>
</tr>
</table>

<p align=center><font size=2 face="times new roman, serif"> The accompanying notes are an
integral part of these consolidated financial statements.</font></p>
<p align=center><font size=2 face="times new roman, serif"> -3-</font></p>




<PAGE>
<hr>




<a name="consolidated_statements_shareholders_equity"></a>
<p align=center><font size=2 face="times new roman, serif"><b> ATLANTIC AMERICAN CORPORATION<BR>
                                               CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY<BR></b>
                                                      (Unaudited; Amounts in thousands)</font></p>
<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>Six Months Ended June 30, 2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>Preferred<BR>Stock</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>Common<BR>Stock</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Additional<BR>Paid-in<BR>Capital</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Retained<BR>Earnings<BR>(Accumulated<BR>Deficit)</font><hr noshade size=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Balance, December 31, 2001</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;159</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,412</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56,606</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,097</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Comprehensive income:</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net loss</font></td>
<td colspan=3>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(13,369)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Increase in unrealized investment gains</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Fair value adjustment to interest rate swap</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Deferred income tax attributable to other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
comprehensive income</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Total comprehensive income</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td colspan=5>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Dividends accrued on preferred stock</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(715)</font></td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Compensation expense related to stock grants</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">18</font></td>
<td>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Purchase of shares for treasury</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr valign=bottom bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Issuance of shares for employee benefit plans<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and stock options<BR>&nbsp;</font></td>
<td>&nbsp;<hr noshade size=1></td>
<td>&nbsp;<hr noshade size=1></td>
<td>&nbsp;<hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(87)</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Balance, June 30, 2002</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;159</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,412</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;55,909</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(12,359)</font><hr noshade size=2></td>
</tr>
</table>



<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>Six Months Ended June 30, 2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Net<BR>Accumulated Other<BR>Comprehensive<BR>Income</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>Treasury<BR>Stock</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>Total</font><hr noshade size=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Balance, December 31, 2001</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,748</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(496)</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;87,526</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Comprehensive income:</font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net loss</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(13,369)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Increase in unrealized investment gains</font></td>
<td align=right><font size=2 face="times new roman, serif">5,605</font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">5,605</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Fair value adjustment to interest rate swap</font></td>
<td align=right><font size=2 face="times new roman, serif">(152)</font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(152)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Deferred income tax attributable to other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
comprehensive income<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,909)</font></td>
<td>&nbsp;</td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">(1,909)</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Total comprehensive income</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(9,825)</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Dividends accrued on preferred stock</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(715)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Compensation expense related to stock grants</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">18</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Purchase of shares for treasury</font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(1)</font></td>
<td align=right><font size=2 face="times new roman, serif">(1)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Issuance of shares for employee benefit plans<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and stock options<BR>&nbsp;</font></td>
<td valign=bottom>&nbsp;<hr noshade size=1></td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">192</font><hr noshade size=1></td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">105</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Balance, June 30, 2002</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,292</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(305)</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;77,108</font><hr noshade size=2></td>
</tr>
</table>


<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>Six Months Ended June 30, 2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>Preferred<BR>Stock</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>Common<BR>Stock</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Additional<BR>Paid-in<BR>Capital</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Retained<BR>Earnings<BR>(Accumulated<BR>Deficit)</font><hr noshade size=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Balance, December 31, 2000</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;159</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,412</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56,997</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1,248)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Comprehensive income:</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net income</font></td>
<td colspan=3>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">1,630</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Increase in unrealized investment gains</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Fair value adjustment to interest rate swap</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Deferred income tax attributable to other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
comprehensive income</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Total comprehensive income</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td colspan=5>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Dividends accrued on preferred stock</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(437)</font></td>
<td align=right><font size=2 face="times new roman, serif">(278)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Compensation expense related to stock grants</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">24</font></td>
<td>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Purchase of shares for treasury</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr valign=bottom bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Issuance of shares for employee benefit plans<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and stock options<BR>&nbsp;</font></td>
<td>&nbsp;<hr noshade size=1></td>
<td>&nbsp;<hr noshade size=1></td>
<td>&nbsp;<hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(104)</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Balance, June 30, 2001</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;159</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,412</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;56,584</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</font><hr noshade size=2></td>
</tr>
</table>



<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>Six Months Ended June 30, 2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Net<BR>Accumulated Other<BR>Comprehensive<BR>Income</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>Treasury<BR>Stock</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>Total</font><hr noshade size=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Balance, December 31, 2000</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,820</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(900)</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;83,240</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Comprehensive income:</font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net income</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">1,630</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Increase in unrealized investment gains</font></td>
<td align=right><font size=2 face="times new roman, serif">5,168</font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">5,168</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Fair value adjustment to interest rate swap</font></td>
<td align=right><font size=2 face="times new roman, serif">21</font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">21</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Deferred income tax attributable to other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
comprehensive income<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,816)</font></td>
<td>&nbsp;</td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">(1,816)</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Total comprehensive income</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(5,003)</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Dividends accrued on preferred stock</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(715)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Compensation expense related to stock grants</font></td>
<td colspan=2>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">24</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Purchase of shares for treasury</font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">(8)</font></td>
<td align=right><font size=2 face="times new roman, serif">(8)</font></td>
</tr>
<tr valign=bottom bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Issuance of shares for employee benefit plans<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and stock options<BR>&nbsp;</font></td>
<td valign=bottom>&nbsp;<hr noshade size=1></td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">173</font><hr noshade size=1></td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">69</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Balance, June 30, 2001</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,193</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(735)</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;87,613</font><hr noshade size=2></td>
</tr>
</table>

<p align=center><font size=2 face="times new roman, serif"> The accompanying notes are an integral part of these
consolidated financial statements.</font></p>
<p align=center><font size=2 face="times new roman, serif">-4-</font></p>






<PAGE>
<hr>

<a name="consolidates_statement_cash_flows"></a>
<p align=center><font size=2 face="times new roman, serif"><b>ATLANTIC AMERICAN CORPORATION AND SUBSIDIARIES<BR>

                                                    CONSOLIDATED STATEMENTS OF CASH FLOWS</b></font></p>

<table align=center width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=70%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" align=center colspan=2><font size=2 face="times new roman, serif"> Six Months Ended<BR>
June 30,</font><HR NOSHADE SIZE=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" align=center><font size=2 face="times new roman, serif"> 2002</font><HR NOSHADE SIZE=1></td>
<td bgcolor="#eeeeee" align=center><font size=2 face="times new roman, serif"> 2001</font><HR NOSHADE SIZE=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><i>(Unaudited; In thousands)</i></font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><b>CASH FLOWS FROM OPERATING ACTIVITIES:</b></font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"> Net income (loss)</font></td>
<td align=right><font size=2 face="times new roman, serif"> $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(13,369)</font></td>
<td align=right><font size=2 face="times new roman, serif"> $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,630</font></TD>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Adjustments to reconcile net income (loss) to net cash<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(used) provided by operating activities:</font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Cumulative effect of change in accounting principle</font>
</td>
<td align=right><font size=2 face="times new roman, serif">15,816</font></td>
<td align=right><font size="-1" face="times new roman, serif">-</font></td>
</TR>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Amortization of deferred acquisition costs</font></td>
<td align=right><font size=2 face="times new roman, serif">8,724</font></td>
<td align=right><font size=2 face="times new roman, serif">9,029</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Acquisition costs deferred</font></td>
<td align=right><font size=2 face="times new roman, serif">(10,722)</font></td>
<td align=right><font size=2 face="times new roman, serif">(10,076)</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Realized investment gains</font></td>
<td align=right><font size=2 face="times new roman, serif">(102)</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,148)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<Td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Increase in insurance reserves</font></td>
<td align=right><font size=2 face="times new roman, serif">18,922</font></td>
<td align=right><font size=2 face="times new roman, serif">18,348</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Compensation expense related to stock grants</font></td>
<td align=right><font size=2 face="times new roman, serif">18</font></td>
<td align=right><font size=2 face="times new roman, serif">24</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Depreciation and amortization</font></td>
<td align=right><font size=2 face="times new roman, serif">483</font></td>
<td align=right><font size=2 face="times new roman, serif">828</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Deferred income tax expense</font></td>
<td align=right><font size=2 face="times new roman, serif">1,047</font></td>
<td align=right><font size=2 face="times new roman, serif">916</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;Increase in receivables, net </font></td>
<td align=right><font size=2 face="times new roman, serif">(20,998)</font></td>
<td align=right><font size=2 face="times new roman, serif">&nbsp;(15,776)</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;(Decrease) increase in other liabilities</font></td>
<td align=right><font size=2 face="times new roman, serif">(569)</font></td>
<td align=right><font size=2 face="times new roman, serif">3,496</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other, net</font></td>
<td align=right><font size=2 face="times new roman, serif">(521)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(4,461)</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;Net cash (used) provided by operating activities</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,271)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">2,810</font><HR NOSHADE SIZE=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><b>CASH FLOWS FROM INVESTING ACTIVITIES:</b></font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Proceeds from investments sold, called or matured</font></TD>
<td align=right><font size=2 face="times new roman, serif">35,363</font></td>
<td align=right><font size=2 face="times new roman, serif">40,977</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Investments purchased</font></td>
<td align=right><font size=2 face="times new roman, serif">(58,742)</font></td>
<td align=right><font size=2 face="times new roman, serif">(51,393)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Additions to property and equipment</font></td>
<td align=right><font size=2 face="times new roman, serif">(144)</font></td>
<td align=right><font size=2 face="times new roman, serif">(420)</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Acquisition of Association Casualty</font></td>
<td align=right><font size="-1" face="times new roman, serif">-</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(40)</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Net cash used by investing activities</font></td>
<td align=right><font size=2 face="times new roman, serif">(23,523)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(10,876)</font><HR NOSHADE SIZE=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><b>CASH FLOWS FROM FINANCING ACTIVITIES:</b></font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td> <font size=2 face="times new roman, serif">Proceeds from exercise of stock options</font></td>
<td align=right><font size=2 face="times new roman, serif">13</font></td>
<td align=right><font size=2 face="times new roman, serif">-</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Purchase of treasury shares</font></td>
<td align=right><font size="-1" face="times new roman, serif">(1)</font></td>
<td align=right><font size=2 face="times new roman, serif">(8)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Preferred stock dividends</font></td>
<td align=right><font size=2 face="times new roman, serif">(56)</font></td>
<td align=right><font size="-1" face="times new roman, serif">-</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Proceeds from the issuance of Series C Preferred Stock</font></td>
<td align=right><font size="-1" face="times new roman, serif">-</font></td>
<td align=right><font size=2 face="times new roman, serif">750</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Repayments of debt</font></td>
<td align=right><font size="-1" face="times new roman, serif">-</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(1,500)</font><HR NOSHADE SIZE=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash used by
financing activities</font></td>
<td align=right><font size=2 face="times new roman, serif">(44)</font><HR NOSHADE SIZE=1></td>
<td align=right><font size=2 face="times new roman, serif">(758)</font><HR NOSHADE SIZE=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net decrease in cash and cash equivalents</font></td>
<td align=right><font size=2 face="times new roman, serif">(24,838)</font></td>
<td align=right><font size=2 face="times new roman, serif">(8,824)</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Cash and cash equivalents at beginning of period</font></td>
<td align=right><font size=2 face="times new roman, serif">68,846</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">31,914</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Cash and cash equivalents at end of period </font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;44,008</font>
<HR NOSHADE SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23,090</font>
<HR NOSHADE SIZE=2></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><b>SUPPLEMENTAL CASH FLOW INFORMATION:</b></font></td>
<td>&nbsp;</td>
<td>&nbsp;</td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Cash paid for interest</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;998</font><HR NOSHADE SIZE=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,916</font><HR NOSHADE SIZE=2></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Cash paid for income taxes</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;113</font><HR NOSHADE SIZE=2></td>
<td align=right><font size="-1" face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -</font><HR NOSHADE SIZE=2></td>
</tr>
</table>


<p align=center><font size=2 face="times new roman, serif">The accompanying notes are an integral part of these
 consolidated financial statements.</font></p>
<p align=center><font size=2 face="times new roman, serif">-5-</font></p>




<PAGE>
<hr>



<a name="notes_to_consolidated_statements"></a>
<p align=center><font size=2 face="times new roman, serif"><b>ATLANTIC
AMERICAN CORPORATION AND SUBSIDIARIES<BR>

NOTES TO CONSOLIDATED
FINANCIAL STATEMENTS<BR>

JUNE 30, 2002<BR></b>

                                                       (Unaudited; In thousands)</font></p>

<p><font size=2 face="times new roman, serif"><u><b>Note 1.</b></u>&nbsp;&nbsp;Basis of presentation</font></p>


<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The accompanying unaudited
condensed consolidated financial statements include the accounts of Atlantic
American Corporation and its subsidiaries. All significant intercompany accounts
and transactions have been eliminated in consolidation. The accompanying
statements have been prepared in accordance with U.S. generally accepted
accounting principles for interim financial information and with the
instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do
not include all of the information and footnotes required by generally accepted
accounting principles for complete financial statements. In the opinion of
management, all adjustments (consisting of normal recurring adjustments)
considered necessary for a fair presentation have been included. Operating
results for the three and six month periods ended June 30, 2002, are not
necessarily indicative of the results that may be expected for the year ending
December 31, 2002. </FONT></P>

<p><font size=2 face="times new roman, serif"><u><b>Note 2.</b></u>&nbsp;&nbsp;Impact of recently issued accounting standards</font></p>



<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>In June 2001, the Financial
Accounting Standards Board (&#147;FASB&#148;) issued Statement of Financial
Accounting Standards (&#147;SFAS&#148;) No. 141, &#147;Business
Combinations&#148; and SFAS No. 142, &#147;Goodwill and Other Intangible Assets&#148;.
SFAS No. 141 requires that the purchase method of accounting be used for all
business combinations initiated after June 30, 2001. SFAS No. 141 also includes
guidance on the initial recognition and measurement of goodwill and other
tangible assets arising from business combinations completed after June 30,
2001. SFAS No. 142 prohibits the amortization of goodwill and intangible assets
with indefinite useful lives. Under the new rules, goodwill (and intangible
assets deemed to have indefinite lives) will no longer be amortized but will be
subject to annual impairment tests in accordance with the statement. Other
intangible assets will continue to be amortized over their remaining useful
lives. The Company completed the transitional goodwill impairment test required
by SFAS No. 142 in the first quarter of 2002. The impact of adopting SFAS No.
142 resulted in an impairment loss of $15,816 in the casualty division. The impairment loss was reflected
as a cumulative effect of change in accounting principle in the company&#146;s
first quarter results of operations. </FONT></P>

<p><font size=2 face="times new roman, serif">The following table compares net income per share for 2001, as adjusted
for the adoption of SFAS No. 142.</font></p>

<table align=center width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three Months Ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six Months Ended,<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net income (loss)</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp; 942 </font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;640</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(13,369)
</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
1,630</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Add back: Impairment loss</font></td>
<td align=right><font size=2 face="times new roman, serif">-</font></td>
<td align=right><font size=2 face="times new roman, serif">-</font></td>
<td align=right><font size=2 face="times new roman, serif">15,816</font></td>
<td align=right><font size=2 face="times new roman, serif">-</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Add back:  Goodwill amortization</font></td>
<td align=right><font size=2 face="times new roman, serif">-</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">198</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">-</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">397</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Adjusted net income</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;942</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;838</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;2,447</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
2,027</font><hr noshade size=2></td>
</tr>
<tr valign=bottom bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Adjusted net income per common<BR>share
(basic and diluted)<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;.03</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;.02</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.08</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;.06</font><hr noshade size=2></td>
</tr>
</table>



<p><font size=2 face="times new roman, serif"><u><b>Note 3.</b></u>&nbsp;&nbsp;Segment Information</font></p>


<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company has four
principal insurance subsidiaries that each focus on a specific geographic region
and/or specific products. Each company is managed independently and is evaluated
on its individual performance. The following summary sets forth each
company&#146;s revenue and pretax income (loss) for the three months and six
months ended June 30, 2002 and 2001.</FONT></P>

<table align=center width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr>
<td align=center><font size=2 face="times new roman, serif"><b>Revenues</b></font></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three Months Ended<BR>June 30,
</font><hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six Months Ended<BR>June 30,
</font><hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">American Southern</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11,855</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,691</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22,228</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,987</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Association Casualty</font></td>
<td align=right><font size=2 face="times new roman, serif">6,726</font></td>
<td align=right><font size=2 face="times new roman, serif">7,478</font></td>
<td align=right><font size=2 face="times new roman, serif">13,630</font></td>
<td align=right><font size=2 face="times new roman, serif">14,318</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Georgia Casualty</font></td>
<td align=right><font size=2 face="times new roman, serif">8,497</font></td>
<td align=right><font size=2 face="times new roman, serif">7,474</font></td>
<td align=right><font size=2 face="times new roman, serif">15,032</font></td>
<td align=right><font size=2 face="times new roman, serif">14,585</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Bankers Fidelity</font></td>
<td align=right><font size=2 face="times new roman, serif">15,858</font></td>
<td align=right><font size=2 face="times new roman, serif">15,214</font></td>
<td align=right><font size=2 face="times new roman, serif">31,786</font></td>
<td align=right><font size=2 face="times new roman, serif">29,859</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Corporate and Other</font></td>
<td align=right><font size=2 face="times new roman, serif">1,883</font></td>
<td align=right><font size=2 face="times new roman, serif">1,982</font></td>
<td align=right><font size=2 face="times new roman, serif">3,800</font></td>
<td align=right><font size=2 face="times new roman, serif">3,832</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Adjustments and eliminations</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,740)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(1,779)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(3,328)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(3,300)</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Total Revenue</font></td>
<td align=right><font size=2 face="times new roman, serif">43,079</font></td>
<td align=right><font size=2 face="times new roman, serif">41,060</font></td>
<td align=right><font size=2 face="times new roman, serif">83,148</font></td>
<td align=right><font size=2 face="times new roman, serif">81,281</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Realized investment</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">(gains) losses, net</font></td>
<td align=right><font size=2 face="times new roman, serif">29</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(994)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(102)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(1,148)</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Operating Revenue</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43,108</font>
<hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;40,066</font>
<hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;83,046</font>
<hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;80,133</font>
<hr noshade size=2></td>
</tr>
</table>
<p align=center><font size=2 face="times new roman, serif">
- -6-</font></p>


<PAGE>
<hr>




<table align=center width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><b>Income (loss) before income tax<BR>expense and cumulative effect of change<BR>
in accounting principle</b></font></td>
<td bgcolor="#eeeeee" align=center colspan=2><font size=2 face="times new roman, serif">Three Months Ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" align=center colspan=2><font size=2 face="times new roman, serif">Six Months Ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">American Southern</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,463</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,635</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,806</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,925</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Association Casualty</font></td>
<td align=right><font size=2 face="times new roman, serif">(142)</font></td>
<td align=right><font size=2 face="times new roman, serif">(596)</font></td>
<td align=right><font size=2 face="times new roman, serif">890</font></td>
<td align=right><font size=2 face="times new roman, serif">(145)</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Georgia Casualty</font></td>
<td align=right><font size=2 face="times new roman, serif">643</font></td>
<td align=right><font size=2 face="times new roman, serif">595</font></td>
<td align=right><font size=2 face="times new roman, serif">766</font></td>
<td align=right><font size=2 face="times new roman, serif">1,231</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Bankers Fidelity</font></td>
<td align=right><font size=2 face="times new roman, serif">816</font></td>
<td align=right><font size=2 face="times new roman, serif">869</font></td>
<td align=right><font size=2 face="times new roman, serif">1,741</font></td>
<td align=right><font size=2 face="times new roman, serif">1,700</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Corporate and Other</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,359)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(1,474)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(2,518)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(3,083)</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Consolidated results</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,421</font>
<hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,029</font>
<hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,685</font>
<hr noshade size=2></td>
<td valign=top align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,628</font>
<hr noshade size=2></td>
</tr>
</table>


<p><font size=2 face="times new roman, serif"><u><b>Note 4.</b></u>&nbsp;&nbsp;Credit Arrangements</font></p>



<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>At April 1, 2002, the
Company was a party to a five-year revolving credit facility with Wachovia Bank,
N.A. (&#147;Wachovia&#148;) that provided for borrowings up to $30,000. The
interest rate on the borrowings under the facility was based upon the London
Interbank Offered Rate (&#147;LIBOR&#148;) plus an applicable margin, which was
2.50% at April 1, 2002. Interest on the revolving credit facility was payable
quarterly. The credit facility provided for the payment of all of the
outstanding principal balance at June 30, 2004 with no required principal
payments prior to that time. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company also had
outstanding, at April 1, 2002, $25,000 of Series 1999, Variable Rate Demand
Bonds (the &#147;Bonds&#148;) due July 1, 2009. The Bonds, which by their terms
were redeemable at the Company&#146;s option, paid a variable interest rate that
approximated 30-day LIBOR. The Bonds were backed by a letter of credit issued by
Wachovia, which was automatically renewable on a monthly basis until thirteen
months after such time as Wachovia gave the Company notice of its option not to
renew the letter of credit. The Bonds would be subject to mandatory redemption
upon termination of the letter of credit, if an alternative letter of credit
facility was not secured. The cost of the letter of credit and its associated
fees were 2.50%, making the effective rate on the Bonds LIBOR plus 2.50% at
April 1, 2002. The interest on the Bonds was payable monthly and the letter of
credit fees were payable quarterly. The Bonds did not require the repayment of
any principal prior to maturity, except as provided above. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Effective December 31,
2001, the revolving credit facility and letter of credit were both amended by
Wachovia. The amendment established new covenants pertaining to rates related to
interest coverage and eliminated funded debt to earnings before interest, taxes,
depreciation and amortization (&#147;EBITDA&#148;) except in determining the
applicable margin. In addition, the Company was required to consolidate the
revolving credit facility and the Bonds into a single term loan on April 2,
2002.  &nbsp;On that date, the Company converted the $30,000 revolving credit facility into a $44,000
term loan (the &#147;Term Loan&#148;) and used the additional proceeds to redeem
the Bonds. The Term Loan will mature on June 30, 2004. The interest rate on the
Term Loan is based upon LIBOR plus an applicable margin, which was 2.75% at June
30, 2002. Interest on the Term Loan is payable quarterly. The Company must repay
the principal of the Term Loan in two annual installments of $2,000 on or before
each of December 31, 2002 and 2003, together with one final installment of the
remaining balance at maturity in 2004. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company is required
under the Term Loan to maintain certain covenants including, among others,
ratios that relate funded debt to total capitalization and interest coverage.
The Company was in compliance with all debt covenants at June 30, 2002 and
expects to remain in compliance with applicable covenants for the remainder of
2002. </FONT></P>

<p><font size=2 face="times new roman, serif"><u><b>Note 5.</b></u>&nbsp;  Derivative Financial Instruments</font></p>



<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>On March 21, 2001, the
Company entered into an interest rate swap agreement with Wachovia to hedge its
interest rate risk on a portion of the outstanding borrowings under the
revolving credit facility. The interest rate swap was effective on April 2, 2001
and matures on June 30, 2004. The Company has agreed to pay a fixed rate of 5.1%
and receive 3-month LIBOR until maturity. The settlement date and the reset date
will occur every 90 days following April 2, 2001 until maturity. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following table
summarizes the notional amount, fair value and carrying value of the
Company&#146;s derivative financial instruments at June 30, 2002, as follows: </FONT></P>

<table align=center width=70% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Notional<BR>Amount</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Fair<BR>Value</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Carrying<BR>Value<BR>(Liability)</font><hr noshade size=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Interest rate swap agreement </font></td>
<td align=center><font size=2 face="times new roman, serif">$ 15,000 </font></td>
<td align=center><font size=2 face="times new roman, serif">$ (685) </font></td>
<td align=center><font size=2 face="times new roman, serif">$ (685) </font></td>
</tr>
</table>
<BR><BR>


<p align=center><font size=2 face="times new roman, serif"> -7-</font></p>




<PAGE>
<hr>


<p><font size=2 face="times new roman, serif"><u><b>Note 6.</b></u>&nbsp;  Reconciliation of Other Comprehensive Income</font></p>



<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
<td width=15%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three Months Ended,<BR>June 30,
</font><hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six Months Ended,<BR>June 30,
</font><hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Gain (loss) on sale of securities included in net income</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(29)</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
994</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
102</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
1,148</font><hr noshade size=2></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Other comprehensive income:</font></td>
<td colspan=4>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;
Net pre-tax unrealized gain arising during year</font></td>
<td align=right><font size=2 face="times new roman, serif">5,563</font></td>
<td align=right><font size=2 face="times new roman, serif">2,071</font></td>
<td align=right><font size=2 face="times new roman, serif">5,707</font></td>
<td align=right><font size=2 face="times new roman, serif">6,316</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reclassification adjustment</font></td>
<td valign=top align=right><font size=2 face="times new roman, serif">29</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(994)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(102)</font><hr noshade size=1></td>
<td valign=top align=right><font size=2 face="times new roman, serif">(1,148)</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net pre-tax unrealized gain recognized in other<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;comprehensive income<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">5,592</font></td>
<td align=right><font size=2 face="times new roman, serif">1,077</font></td>
<td align=right><font size=2 face="times new roman, serif">5,605</font></td>
<td align=right><font size=2 face="times new roman, serif">5,168</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fair value adjustment to interest rate swap</font></td>
<td align=right><font size=2 face="times new roman, serif">(275)</font></td>
<td align=right><font size=2 face="times new roman, serif">55</font></td>
<td align=right><font size=2 face="times new roman, serif">(152)</font></td>
<td align=right><font size=2 face="times new roman, serif">21</font></td>
</tr>
<tr valign=bottom bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred income tax attributable to other<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;comprehensive
income<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,861)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(384)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(1,909)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(1,816)</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Other comprehensive income</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
3,456</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
748</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
3,544</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
3,373</font><hr noshade size=2></td>
</tr>
</table>



<p><font size=2 face="times new roman, serif"><u><b>Note 7.</b></u>&nbsp;Earnings per common share</font></p>


<p><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A reconciliation of the numerator and denominator
of the earnings per common share calculations are as follows:</font></p>

<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=3 align=center><font size=2 face="times new roman, serif">Three Months Ended<BR>June 30, 2002</font>
</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><i>(In thousands, except per share data)</i></font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Income</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Shares</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Per share<BR>amount</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"><i>Basic Earnings Per Common Share:</i></font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Net Income</font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;942</font></td>
<td align=right><font size=2 face="times new roman, serif">21,282</font></td>
<td>&nbsp;</td>
</tr>

<tr bgcolor="#eeeeee">

<td><font size=2 face="times new roman, serif">Less preferred stock dividends<BR>&nbsp;</font></td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">(357)</font><hr noshade size=1></td>
<td align=right>&nbsp;<hr noshade size=1></td>
<td>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Net income available to common shareholders<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 585</font>
<hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">21,282<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; .03</font>
<hr noshade size=2></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"><i>Diluted Earnings Per Common Share:</i></font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Effect of dilutive stock options </font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">269</font><hr noshade size=1></td>
<td>&nbsp;</td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net income available to common shareholders </font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;585 </font><hr noshade size=2></Td>
<td align=right><font size=2 face="times new roman, serif">21,551 </font><hr noshade size=2></Td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; .03 </font><hr noshade size=2></Td>
</tr>
</table>


<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=3 align=center><font size=2 face="times new roman, serif">Three Months Ended<BR>June 30, 2001</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><i>(In thousands, except per share data)</i></font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Income</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Shares</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Per share<BR>amount</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"><i>Basic Earnings Per Common Share:</i></font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Net Income</font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 640</font></td>
<td align=right><font size=2 face="times new roman, serif">21,186</font></td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">

<td><font size=2 face="times new roman, serif">Less preferred stock dividends<BR>&nbsp;</font></td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">(357)</font><hr noshade size=1></td>
<td align=right>&nbsp;<hr noshade size=1></td>
<td>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Net income available to common shareholders<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 283
</font><hr noshade size=2></td>
<td valign=top align=right><font size=2 face="times new roman, serif">21,186 </font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
..01</font><hr noshade size=2></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"><i>Diluted Earnings Per Common Share:</i></font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Effect of dilutive stock options </font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">-</font><hr noshade size=1></td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net income available to common shareholders<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;283</font><hr noshade size=2></Td>
<td align=right><font size=2 face="times new roman, serif">21,186</font><hr noshade size=2></Td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.01</font><hr noshade size=2></Td>
</tr>
</table>
<p align=center><font size=2 face="times new roman, serif">-8-</font></p>


<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>


<PAGE>
<hr>





<p><font size=2 face="times new roman, serif"><b><u>Note 7.</u></b>&nbsp;Earnings per common share (continued)</font></p>


<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=50%>&nbsp;</td>
<td width=18.3%>&nbsp;</td>
<td width=18.3%>&nbsp;</td>
<td width=18.3%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=3 align=center><font size=2 face="times new roman, serif">Six Months Ended<BR>June 30, 2002</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><i>(In thousands, except per share data)</i></font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Income</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Shares</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Per share<BR>amount</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"><i>Basic Earnings (Loss) Per Common Share:</i></font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Income before cumulative effect of<BR>change in accounting principle<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,447</font></td>
<td align=right><font size=2 face="times new roman, serif">21,267</font></td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Less preferred stock dividends<BR>&nbsp;</font></td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">(715)</font><hr noshade size=1></td>
<td>&nbsp;<hr noshade size=1></td>
<td>&nbsp;<hr noshade size=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Income before cumulative effect of change in accounting<BR>
principle available to common shareholders<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">1,732</font></Td>
<td align=right><font size=2 face="times new roman, serif">21,267</font></Td>
<td align=right><font size=2 face="times new roman, serif">.08</font></Td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Cumulative effect of change in accounting principle </font></td>
<td align=right><font size=2 face="times new roman, serif"> (15,816) </font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif"> 21,267  </font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif"> (.74) </font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Net loss available to common shareholders</font></td>
<td align=right><font size=2 face="times new roman, serif"> $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;(14,084) </font><hr noshade size=2></td>
<td valign=top align=right><font size=2 face="times new roman, serif"> 21,267  </font></td>
<td align=right><font size=2 face="times new roman, serif"> $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;(.66) </font><hr noshade size=2></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"><i>Diluted Earnings (Loss) Per Common Share:</i></font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Effect of dilutive stock options</font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">258</font><hr noshade size=1></td>
<td> &nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Income before cumulative effect of change in accounting<BR>
principle available to common shareholders<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif"> 1,732 </font></td>
<td align=right><font size=2 face="times new roman, serif"> 21,525 </font></td>
<td align=right><font size=2 face="times new roman, serif"> .08 </font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Cumulative effect of change in accounting principle </font></td>
<td align=right><font size=2 face="times new roman, serif">(15,816)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">21,525</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(.73)</font><hr noshade size=1></td>
</TR>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net loss available to common shareholders</font></td>
<td align=right><font size=2 face="times new roman, serif"> $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp; (14,084)</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">21,525</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (.65)</font><hr noshade size=2></td>
</tr>
</table>


<table align=center width=100% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=40%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=3 align=center><font size=2 face="times new roman, serif">Six Months Ended<BR>June 30, 2001</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><i>(In thousands, except per share data)</i></font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Income</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;<BR>Shares</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">Per share<BR>amount</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"><i>Basic Earnings Per Common Share:</i></font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Net Income</font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,630</font></td>
<td align=right><font size=2 face="times new roman, serif">21,175</font></td>
<td>&nbsp;</td>
</tr>
<tr bgcolor="#eeeeee">

<td><font size=2 face="times new roman, serif">Less preferred stock dividends<BR>&nbsp;</font></td>
<td valign=bottom align=right><font size=2 face="times new roman, serif">(715)</font><hr noshade size=1></td>
<td align=right>&nbsp;<hr noshade size=1></td>
<td>&nbsp;</td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Net income available to common shareholders</font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;915</font><hr noshade size=2></td>
<td valign=top align=right><font size=2 face="times new roman, serif">21,175</font></td>
<td align=right><font size=2 face="times new roman, serif">$
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
..04</font><hr noshade size=2></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif"><i>Diluted Earnings Per Common Share:</i></font></td>
<td colspan=3>&nbsp;</td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Effect of dilutive stock options </font></td>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">-</font><hr noshade size=1></td>
<td>&nbsp;</td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net income available to common shareholders </font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;915</font><hr noshade size=2></Td>
<td align=right><font size=2 face="times new roman, serif">21,175 </font><hr noshade size=2></Td>
<td align=right><font size=2 face="times new roman, serif">$ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.04 </font><hr noshade size=2></Td>
</tr>
</table>





<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Outstanding stock options
of 695,000 for the three months and six months ended June 30, 2002 were excluded
from the earnings per common share calculation since their impact was
antidilutive. Outstanding stock options of 759,000 for the three months and six
months ended June 30, 2001 were excluded from the earnings per common share
calculation since their impact was antidilutive. The assumed conversion of the
Series B and Series C Preferred Stock was excluded from the earnings per common
share calculation for 2002 and 2001 since its impact was antidilutive. </FONT></P>

<p align=center><font size=2 face="times new roman, serif"> -9-</font></p>





<PAGE>
<hr>


<p><font size=2 face="times new roman, serif"><u><b>Note 8.</b></u>&nbsp;  Commitments and Contingencies</font></p>



<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>During 2000, the
Company&#146;s subsidiary American Southern renewed one of its larger accounts.
Although this contract was renewed through a competitive bidding process, one of
the parties bidding for this particular contract contested the award of this
business to American Southern and filed a claim to obtain nullification of the
contract. During the fourth quarter of 2000, American Southern received an
unfavorable judgment relating to this litigation and has appealed the ruling.
The contract, which accounts for approximately 10% of annualized premium revenue
of Atlantic American, is to remain in effect pending appeal. While management at
this time cannot predict the potential outcome in this case, or quantify the
actual impact of an adverse decision, it may have a material impact on the
future results of operations of the Company. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>From time to time the
Company and its subsidiaries are parties to litigation occurring in the normal
course of business. In the opinion of management, such litigation will not have
a material adverse effect on the Company&#146;s financial position or results of
operations. </FONT></P>

<p><font size=2 face="times new roman, serif"><u><b>Note 9.</b></u>&nbsp;&nbsp;Prior Year Reclassifications</font></p>

<p><font size=2 face="times new roman, serif">Certain reclassifications have been made to the 2001 balances to conform with the
2002 presentation.</font></p>
<p align=center><font size=2 face="times new roman, serif"> -10-</font></p>



<PAGE>
<hr>



<a name="managements_discussion"></a>
<p align=center><font size=2 face="times new roman, serif"><b><u>ITEM 2.<BR></u>
MANAGEMENT&#146;S
DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION<BR>
AND RESULTS
OF OPERATIONS</b></font></p>

<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Overall
Corporate Results</u></FONT></H2>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>On a consolidated basis,
the Company earned $0.9 million, or $0.03 per diluted share, for the second
quarter ended June 30, 2002 compared to net income of $0.6 million, or $0.01 per
diluted share, for the second quarter ended June 30, 2001. The Company had a net
loss of $13.4 million or $0.65 per diluted share for the six months ended June
30, 2002 compared to net income of $1.6 million or $0.04 per diluted share for
the six months ended June 30, 2001. The net loss for the six months ended June
30, 2002 was due to a non-cash charge of $15.8 million to reflect a change in
accounting for goodwill. Premium revenue for the quarter ended June 30, 2002
increased 9.4% to $39.4 million. For the six months ended June 30, 2002, premium
revenue increased 5.1% to $75.5 million. The increase in premiums for the second
quarter and six months ended June 30, 2002 is primarily attributable to rate
increases and overall market expansion. Pre-tax operating income before realized
gains and excluding charges related to accounting for goodwill for the six
months ended June 30, 2002, increased 90.9% to $3.6 million primarily due to
better underwriting results in Association Casualty. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s casualty
operations, referred to as the Casualty Division, are comprised of its
subsidiaries American Southern Insurance Company and American Safety Insurance
Company (collectively known as American Southern), Association Casualty
Insurance Company and its affiliated agency Association Risk Management General
Agency, Inc. (collectively referred to as Association Casualty), and Georgia
Casualty &amp; Surety Company. The Company&#146;s life and health operations,
referred to as the Life and Health Division, are comprised of the operations of
Bankers Fidelity Life Insurance Company. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>A more detailed analysis of
the individual operating entities and other corporate activities is provided
below. </FONT></P>

<p><font size=2 face="times new roman, serif"><u>UNDERWRITING RESULTS</u></font></p>

<p><font size=2 face="times new roman, serif"><b>American
Southern<BR></b>

The following is a summary of American Southern's premiums for the second quarter and first six months of 2002 and the comparable
<BR>periods in 2001 (in thousands):</font></p>


<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Gross written premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24,335</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22,767</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;29,414</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;28,316</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Ceded premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,715)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(1,203)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(3,203)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(2,365)</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net written premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22,620</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,564</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;26,211</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25,951</font><hr noshade size=2></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Net earned premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,792</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9,427</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,096</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19,489</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>




<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Gross written premiums at
American Southern increased 6.9% or $1.6 million during the second quarter of
2002 and 3.9% or $1.1 million for the year to date period. The increase in
premiums for the second quarter and first six months of 2002 is primarily
attributable to the addition of one new state contract that contributed $1.1
million in written premiums as well as a $2.0 million increase from existing
accounts and other new accounts. Offsetting this increase in gross written
premiums was the loss of one of the company&#146;s state contracts, which
contributed approximately $2.0 million in written premiums during the first six
months of 2001. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Ceded premiums increased
42.6%, or $0.5 million during the second quarter of 2002 and 35.4%, or $0.8
million during the first six months of 2002. The increase in ceded premiums is
due to several factors. First, rates charged by reinsurance companies for the
second quarter and year to date period increased over the comparable periods of
2001. In addition, the company&#146;s premiums are ceded as a percentage of
earned premiums as opposed to on a written basis, which results in an increase
in ceded premiums when earned premiums increase. Further, included in the second
quarter and first six months of 2001 was a state contract that accounted for
$2.0 million in written premiums during the first six months of 2001. This
contract was not renewed in 2002 and furthermore was not subject to reinsurance.
  Accordingly in 2002, there was a higher effective percent of premiums ceded to premiums written than in 2001.</FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Net earned premiums for the
quarter and year to date period increased $1.4 million and $0.6 million,
respectively, over the comparable periods in 2001 and is primarily due to
factors discussed previously. </FONT></P>

<p align=center><font size=2 face="times new roman, serif">-11-</font></p>




<PAGE>
<hr>
<BR><BR><BR><BR><BR><BR>
<p align=justify> <font size=2 face="times new roman, serif">The following is American Southern's earned premium by
line of business for the second quarter and first six months of 2002 and the
comparable periods in 2001 (in thousands):</font></p>


<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Commercial automobile</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,241</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,977</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;15,100</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;14,779</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Private passenger auto</font></td>
<td align=right><font size=2 face="times new roman, serif">807</font></td>
<td align=right><font size=2 face="times new roman, serif">797 </font></td>
<td align=right><font size=2 face="times new roman, serif">1,615</font></td>
<td align=right><font size=2 face="times new roman, serif">1,489</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">General liability</font></td>
<td align=right><font size=2 face="times new roman, serif">823</font></td>
<td align=right><font size=2 face="times new roman, serif">805</font></td>
<td align=right><font size=2 face="times new roman, serif">1,612</font></td>
<td align=right><font size=2 face="times new roman, serif">1,565</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Property</font></td>
<td align=right><font size=2 face="times new roman, serif">908</font></td>
<td align=right><font size=2 face="times new roman, serif">826</font></td>
<td align=right><font size=2 face="times new roman, serif">1,740</font></td>
<td align=right><font size=2 face="times new roman, serif">1,621</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Other</font></td>
<td align=right><font size=2 face="times new roman, serif">13</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">22</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">29</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">35</font><hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;10,792</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9,427</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;20,096</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;19,489</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>





<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>American Southern produces
much of its business through contracts with various states and municipalities,
some of which represent significant amounts of revenue for the company. These
contracts, which last from one to three years, are periodically subject to
competitive renewal quotes and the loss of a significant contract could have a
material adverse effect on the business or financial condition of American
Southern and the Company. During 2000, American Southern renewed one of its
larger accounts. Although this contract was renewed through a competitive
bidding process, one of the parties bidding for this particular contract
contested the award of this business to American Southern and filed a claim to
obtain nullification of the contract. During the fourth quarter of 2000,
American Southern received an unfavorable judgment relating to this litigation
and has appealed the ruling. The contract, which accounts for approximately 10%
of annualized premium revenue of Atlantic American, is to remain in effect
pending appeal. While management at this time cannot predict the potential
outcome in this case, or quantify the actual impact of an adverse decision, an
adverse outcome may have a material adverse affect on the company&#146;s
financial position or results of operations. In an effort to increase the number
of programs underwritten by American Southern and to insulate it from the loss
of any one program, the company is continually evaluating new underwriting
programs. There can be no assurance, however, that new programs or new accounts
will offset lost business resulting from non-renewals of accounts. </FONT></P>

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following sets forth
the loss and expense ratios of American Southern for the second quarter and
first six months of 2002 and for the comparable periods in 2001: </FONT></P>

<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Loss ratio</font></td>
<td align=right><font size=2 face="times new roman, serif">73.6%</font></td>
<td align=right><font size=2 face="times new roman, serif">72.8%</font></td>
<td align=right><font size=2 face="times new roman, serif">72.8%</font></td>
<td align=right><font size=2 face="times new roman, serif">71.9%</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Expense ratio</font><font size=1 face="times new roman, serif">(1)</font></td>
<td align=right><font size=2 face="times new roman, serif">22.7%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">22.9%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">23.9%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">25.5%</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Combined ratio</font></td>
<td align=right><font size=2 face="times new roman, serif">96.3%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">95.7%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">96.7%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">97.4%</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>


<p><font size=1 face="times new roman, serif">(1)</font><font size=2 face="times new roman, serif">
Excludes the amortization of goodwill associated with the acquisition of American Southern.</font></p>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The loss ratio for the
second quarter increased slightly to 73.6% compared to 72.8% in the second
quarter of 2001. For the year to date period the loss ratio increased to 72.8%
from 71.9% in the same comparable period in 2001. The decline in the expense
ratio for the quarter and year to date period is a function of American
Southern&#146;s contractual arrangements that compensate the company&#146;s
agents in relation to the loss ratios of the business they write. </FONT></P>

<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Association
Casualty</FONT></H2>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The results of both
Association Casualty Insurance Company and Association Risk Management General
Agency (together referred to as &#147;Association Casualty&#148;) are presented
for the second quarter and first six months of 2002 and the comparable periods
in 2001. </FONT></P>

<p><font size=2 face="times new roman, serif">The following is a summary of Association Casualty's premiums for the second quarter and first six months of 2002 and the
comparable<BR>
periods in 2001 (in thousands):</font></p>

<p align=center><font size=2 face="times new roman, serif">-12-</font></p>




<PAGE>
<hr>


<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Gross written premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,894</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,096</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,624</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,577</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Ceded premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">(1,377)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(952)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(2,468)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(1,905)</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net written premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,517</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9,144</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13,156</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18,672</font><hr noshade size=2></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Net earned premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,146</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,432</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,442</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,488</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>



<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Gross written premiums at
Association Casualty decreased $2.2 million, or 21.8% during the second quarter
of 2002 and $5.0 million or 24.1% during the first half of 2002. The primary
reason for the second quarter and year to date decline in written premiums was
the non-renewal of non-profitable classes of business. During the quarter,
approximately $1.8 million in gross written premiums were non-renewed as a
result of these initiatives. For the year to date period approximately $4.6
million in gross written premiums were non-renewed. Association Casualty continues to increase rates
on renewal business in addition to diversifying into commercial lines other than
workers&#146; compensation such as general liability, property and automobile. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Ceded premiums at
Association Casualty increased $0.4 million, or 44.6% during the second quarter
of 2002 and $0.6 million or 29.6% during the first six months of 2002. Ceded
premiums for the quarter and year to date period increased primarily as a result
of the change in Association Casualty&#146;s book of business. While Association
Casualty has historically specialized in workers&#146; compensation insurance in
the state of Texas, the company has become a complete commercial lines carrier.
Association Casualty had net earned premiums during the first six months of 2002
of $12.4 million, of which 80% was workers&#146; compensation business compared
to 92% during the same period for 2001. As the company diversifies into
commercial lines other than workers&#146; compensation, ceded premiums have
increased slightly primarily due to the higher reinsurance costs associated with
these new lines of business. </FONT></P>

<p align=justify><font size=2 face="times new roman, serif">The following sets forth the loss and expense ratios for Association Casualty for the second quarter and first six months of 2002
and the comparable periods in 2001:</font></p>

<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Loss ratio</font></td>
<td align=right><font size=2 face="times new roman, serif">76.3%</font></td>
<td align=right><font size=2 face="times new roman, serif">98.5%</font></td>
<td align=right><font size=2 face="times new roman, serif">70.7%</font></td>
<td align=right><font size=2 face="times new roman, serif">86.7%</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Expense ratio</font><font size=1 face="times new roman, serif">(1)</font></td>
<td align=right><font size=2 face="times new roman, serif">35.5%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">25.4%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">31.7%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">27.5%</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Combined ratio</font></td>
<td align=right><font size=2 face="times new roman, serif">111.8%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">123.9%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">102.4%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">114.2%</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>
<p align=justify><font size=1 face="times new roman, serif">(1)</font><font size=2 face="times new roman, serif">
Excludes the amortization of goodwill and interest on an intercompany surplus note associated with the acquisition of Association
Casualty.</font></p>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The loss ratio decreased
from 98.5% in the second quarter of 2001 to 76.3% in the second quarter of 2002
and from 86.7% for the first six months of 2001 to 70.7% for the comparable
period in 2002. The primary reason for the decline is attributable to the
benefits of significant premium rate increases in addition to the company non-renewing its non-profitable classes
of business as discussed previously. The company continues to be adversely
impacted by the liberal interpretation of the workers&#146; compensation laws in
the state of Texas. As the law has evolved, the concepts of &#147;life time
medical&#148; and &#147;impairment rating&#148; have resulted in increased
medical costs. Association Casualty continues to increase pricing and improve
underwriting criteria to help to mitigate these costs as well as other
increasing costs. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The expense ratio in the
second quarter of 2002 increased to 35.5% from 25.4% in the second quarter of
2001, and to 31.7% from 27.5% for the year to date period primarily as a result
of the change in the company&#146;s book of business. </FONT></P>

<p align=center><font size=2 face="times new roman, serif">-13-</font></p>





<PAGE>
<hr>



<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Georgia
Casualty</FONT></H2>

<p> <font size=2 face="times new roman, serif">The following is a summary of Georgia Casualty's premiums for the second quarter
and first six months of 2002 and the comparable<BR>
periods in 2001 (in thousands):</font></p>

<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Gross written premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14,791</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11,183</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;28,143</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,615</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Ceded premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">(4,378)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(4,097)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(8,609)</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">(7,983)</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Net written premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,413 </font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,086</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19,534</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,632</font><hr noshade size=2></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Net earned premiums</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,778</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,510</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13,583</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,883</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Gross written premiums at
Georgia Casualty increased $3.6 million or 32.3% during the second quarter of
2002 and $7.5 million or 36.5% during the first half of 2002 as compared to the
same period in 2001. The increase in premiums for the quarter and year to date
period is primarily attributable to significant rate increases on renewal
business coupled with new business produced by existing agents and new agency
appointments. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Ceded premiums at Georgia
Casualty increased $0.3 million or 6.9% during the second quarter of 2002 and
$0.6 million or 7.8% during the first six months of 2002. The increase in ceded
premiums for the quarter and year to date period is primarily due to an overall
increase in rates charged by reinsurance companies. The 40% quota share
reinsurance agreement that the company incepted in the first quarter of 2001 to
allow for premium growth and surplus protection was reduced to a 30% quota share
at the beginning of the first quarter of 2002. As a result of these initiatives,
premiums ceded under the quota share agreement decreased during the second
quarter and the first half of 2002. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following is Georgia
Casualty&#146;s net earned premium by line of business for the second quarter
and first six months of 2002 and the comparable periods in 2001 (in thousands): </FONT></P>

<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Workers' compensation</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,841</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,861</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,887</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5,771</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">General Liability</font></td>
<td align=right><font size=2 face="times new roman, serif">538</font></td>
<td align=right><font size=2 face="times new roman, serif">625</font></td>
<td align=right><font size=2 face="times new roman, serif">825</font></td>
<td align=right><font size=2 face="times new roman, serif">1,289</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Commercial multi-peril</font></td>
<td align=right><font size=2 face="times new roman, serif">2,520</font></td>
<td align=right><font size=2 face="times new roman, serif">1,648</font></td>
<td align=right><font size=2 face="times new roman, serif">4,567</font></td>
<td align=right><font size=2 face="times new roman, serif">3,165</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Commercial automobile</font></td>
<td align=right><font size=2 face="times new roman, serif">1,879</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">1,376</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">3,304 </font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">2,658</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td>&nbsp;</td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,778</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,510</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;13,583</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;12,883</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>


<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Net earned premiums
increased $1.3 million or 19.5% during the quarter and $0.7 million or 5.4%
during the first six months of 2002 primarily due to the factors discussed
previously. Partially offsetting the increase in net earned premiums for the
quarter and year to date period was an increase in ceded earned premiums under
the quota share reinsurance agreement. While the cession for the quota share has
been reduced from 40% in 2001 to 30% in 2002, the bulk of the premiums ceded
under this agreement during 2001 will be earned in 2002. As presented in the
table above, Georgia Casualty continues to diversify its book of business into
commercial lines other than workers&#146; compensation, repositioning the
company as a one-stop commercial lines carrier. Furthermore, the company is
spreading its geographical exposure by reducing its concentration in Georgia and
expanding in its other key southeastern states. </FONT></P>

<p> <font size=2 face="times new roman, serif">The following sets forth Georgia Casualty's loss and expense ratios for the second quarter and first six months of 2002 and the
comparable<BR> periods in 2001:</font></p>

<p align=center><font size=2 face="times new roman, serif">-14-</font></p>




<PAGE>
<hr>



<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Loss ratio</font></td>
<td align=right><font size=2 face="times new roman, serif">61.6%</font></td>
<td align=right><font size=2 face="times new roman, serif">68.3%</font></td>
<td align=right><font size=2 face="times new roman, serif">66.4%</font></td>
<td align=right><font size=2 face="times new roman, serif">67.9%</font></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Expense ratio</font></td>
<td align=right><font size=2 face="times new roman, serif">39.4%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">37.4%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">38.6%</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">35.8%</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Combined ratio</font></td>
<td align=right><font size=2 face="times new roman, serif">101.0%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">105.7%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">105.0%</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">103.7%</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>




<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The loss ratio declined to
61.6% in the second quarter of 2002 from 68.3% in the second quarter of 2001 and
from 67.9% for the first six months of 2001 to 66.4% for the comparable period
in 2002. The primary reason for the decline in the loss ratio for the quarter
and year to date period is attributable to the increase in earned premiums and
better than expected experience on its net book of business.</FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The expense ratio increased
to 39.4% in the second quarter of 2002 from 37.4% in the second quarter of 2001
and from 35.8% for the first six months of 2001 to 38.6% for the comparable
period in 2002. The increase in the expense ratio for the quarter and year to
date period is primarily due to a decrease in the ceding commission the company
is receiving from the quota share contract, which was reduced from a 40% quota
share reinsurance agreement to a 30% quota share reinsurance agreement during
the first quarter of 2002. </FONT></P>

<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Bankers
Fidelity</FONT></H2>

<p><font size=2 face="times new roman, serif">The following summarizes Bankers Fidelity's premiums for the second quarter and first six months of 2002 and the comparable periods
in<BR>2001 (in thousands):</font></p>

<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Medicare supplement</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;10,285</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9,320</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;20,723</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;18,505</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Other health</font></td>
<td align=right><font size=2 face="times new roman, serif">685</font></td>
<td align=right><font size=2 face="times new roman, serif">727</font></td>
<td align=right><font size=2 face="times new roman, serif">1,428</font></td>
<td align=right><font size=2 face="times new roman, serif">1,445</font></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Life</font></td>
<td align=right><font size=2 face="times new roman, serif">3,710</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">3,589</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">7,260</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">7,045</font><hr noshade size=1></td>
</tr>
<tr valign=top>
<td><font size=2 face="times new roman, serif">Total</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14,680</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13,636</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;29,411</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;26,995</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Premium revenue at Bankers
Fidelity increased $1.0 million or 7.6% during the second quarter of 2002 and
$2.4 million or 8.9% for the year to date period. The most significant increase
in premium arose in the Medicare supplement line of business, which increased
10.4% for the quarter and 12.0% for the year. Bankers Fidelity has continued to
expand its market presence throughout the southeast, Mid-Atlantic,
especially in Pennsylvania, and in the western United States. During the first six
months of 2002, the company added additional Medicare supplement premium in
the state of Pennsylvania of approximately $1.0 million as compared to the first
six months of 2001. In addition, during 2001 and 2002 Bankers Fidelity
implemented rate increases on the Medicare supplement product, in some cases
up to 30%, which are reflected in the current year increases for premium
revenues. </FONT></P>

<p align=justify><font size=2 face="times new roman, serif">The following summarizes Bankers Fidelity's operating expenses for the second quarter and first six months of 2002 and the comparable
period in 2001   (in thousands):</font></p>

<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
<td width=20%>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Three months ended<BR>June 30,</font>
<hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Six months ended<BR>June 30,</font>
<hr noshade size=1></td>
</tr>
<tr>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2002</font><hr noshade size=1></td>
<td align=center><font size=2 face="times new roman, serif">2001</font><hr noshade size=1></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Benefits and losses</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,470</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10,397</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,066</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,004</font></td>
</tr>
<tr valign=bottom>
<td><font size=2 face="times new roman, serif">Commission and other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;expenses<BR>&nbsp;</font></td>
<td align=right><font size=2 face="times new roman, serif">4,572</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">3,950</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">8,979</font><hr noshade size=1></td>
<td align=right><font size=2 face="times new roman, serif">8,154</font><hr noshade size=1></td>
</tr>
<tr valign=top bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Total expenses</font></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15,042</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14,347</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;30,045</font><hr noshade size=2></td>
<td align=right><font size=2 face="times new roman, serif">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;28,158</font><hr noshade size=2></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>


<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The increase in both
&#147;benefits and losses&#148; and &#147;commission and other expenses&#148; is
primarily attributable to the increase in premiums. Benefits and losses
increased slightly for the quarter and 5.3% for the year. As a percentage of
premiums, benefits and losses were 71.3% for the second quarter of 2002 and
71.6% for the year compared to 76.2% in the second quarter of 2001 and 74.1% for
the first six months of 2001. The rate increases implemented by the company
during 2001 and 2002 on the Medicare supplement line of business have helped to
mitigate the impact of higher medical costs. </FONT></P>

<p align=center><font size=2 face="times new roman, serif">-15-</font></p>




<PAGE>
<hr>




<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The company has been
reasonably successful in controlling operating costs, while continuing to
increase premium revenue. As a percentage of premiums, these expenses were 31.1%
for the second quarter of 2002 and 30.5% for the year compared to 29.0% in the
second quarter of 2001 and 30.2% for the first six months of 2001. </FONT></P>

<p><font size=2 face="times new roman, serif"><b><u>INVESTMENT
INCOME AND REALIZED GAINS</u></b></font></p>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Investment income decreased
$0.3 million or 7.1% during the second quarter of 2002 and $0.7 million or 8.8%
for the year to date period. The decrease in investment income is primarily
attributable to decreased interest rates. During 2001, the decline in interest
rates resulted in several of the Company&#146;s higher yielding callable fixed
income securities to be redeemed by the issuers prior to maturity. The proceeds
received from the early redemption of these fixed income securities were
reinvested at a lower yield, and, as a result, investment income decreased
during the second quarter and first six months of 2002. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company recognized a
$0.1 million realized gain during the first six months of 2002 compared to a
$1.1 million realized gain in the first six months of 2001. Management
continually evaluates the Company&#146;s investment portfolio and when
opportunities arise will divest appreciated investments. </FONT></P>

<p><font size=2 face="times new roman, serif"><b><u>INTEREST
EXPENSE</u></b></font></p>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Interest expense decreased
$0.2 million or 26.0% during the second quarter and $0.6 million or 31.5% for
the year to date period. As of June 30, 2002, total debt was $44.0 million down
from $45.0 million in the first six months of 2001. In addition, the base
interest rate in the second quarter and first six months of 2002, which is
LIBOR, decreased from the comparable periods in 2001. As of June 30, 2002, the
interest rate on a portion of the Term Loan was variable and tied to LIBOR. The
reduction in outstanding debt, along with decreasing interest rates, accounts
for the decrease in interest expense during the second quarter and first six
months of 2002. </FONT></P>

<p><font size=2 face="times new roman, serif"><b><u>OTHER EXPENSES
AND TAXES</u></b></font></p>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Other expenses
(commissions, underwriting expenses, and other expenses) increased $2.0 million,
or 18.0%, for the second quarter of 2002 and $1.5 million or 6.3% for first six
months of 2002 primarily due to a significant increase in acquisition costs
related to new business in addition to an overall increase in operating
expenses. Also contributing to the increase in other expenses was a decrease in
the ceding commission Georgia Casualty is receiving from the quota share
contract, which was reduced from a 40% quota share reinsurance agreement to a
30% quota share reinsurance agreement during the first quarter of 2002. On a
consolidated basis, as a percentage of earned premiums, other expenses increased
to 33.3% in the second quarter of 2002 from 30.9% in the second quarter of 2001.
Year to date this ratio increased slightly to 32.7% from 32.3% in 2001. </FONT></P>

<p><font size=2 face="times new roman, serif"><b><u>LIQUIDITY AND
CAPITAL RESOURCES</u></b></font></p>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The major cash needs of the
Company are for the payment of claims and expenses as they come due and the
maintenance of adequate statutory capital and surplus to satisfy state
regulatory requirements and meet debt service requirements of the Company. The
Company&#146;s primary source of cash is written premiums and investment income.
Cash payments consist of current claim payments to insureds and operating
expenses such as salaries, employee benefits, commissions and taxes. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s
insurance subsidiaries reported a combined statutory net income of $2.9 million
for the first six months of 2002 compared to statutory net income of $2.6
million for the first six months of 2001. The reasons for the increase in
statutory earnings in the first six months of 2002 are the same as those
previously discussed in &#147;Results of Operations&#148;. Statutory results are
further impacted by the recognition of all costs of acquiring business. In a
growth scenario&#130; statutory results are generally less than results determined
under generally accepted accounting principles (&#147;GAAP&#148;). The
company&#146;s insurance subsidiaries reported a combined GAAP net income before
cumulative effect of change in accounting principle of $5.0 million for the
first six months of 2002 compared to $4.2 million for the first six months of
2001. Statutory results for the Casualty Division differ from the results of
operations under GAAP due to the deferral of acquisition costs. The Life and
Health Division&#146;s statutory results differ from GAAP primarily due to
deferral of acquisition costs, as well as different reserving methods. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company has two series
of preferred stock outstanding, substantially all of which is held by affiliates
of the Company&#146;s chairman and principal shareholders. The outstanding
shares of Series B Preferred Stock (&#147;Series B Stock&#148;) have a stated
value of $100 per share, accrue annual dividends at a rate of $9.00 per share
and are cumulative, in certain circumstances may be convertible into an
aggregate of approximately 3,358,000 shares of common stock, and are redeemable
at the Company&#146;s option. The Series B Stock is not currently convertible.
At June 30, 2002, the Company had accrued, but unpaid, dividends on the Series B
Stock totaling $7.8 million. The outstanding shares of Series C Preferred Stock
(&#147;Series C Stock&#148;) have a stated value of $100 per share, accrue
annual dividends at a rate of $9.00 per share and are cumulative, in certain
circumstances may be convertible into an aggregate of approximately 627,000
shares of common stock, and are redeemable at the Company&#146;s option. The
Series C Stock is not currently convertible. At June 30, 2002, the Company had
accrued, but unpaid, dividends on the Series C Stock totaling $0.1 million. The
Company paid $0.1 million in dividends to the holders of the Series C Preferred
Stock during the first six months of 2002. </FONT></P>

<p align=center><font size=2 face="times new roman, serif">-16-</font></p>



<PAGE>
<hr>





<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>At April 1, 2002, the
Company was a party to a five-year revolving credit facility with Wachovia Bank,
N.A. (&#147;Wachovia&#148;), that provided for borrowings up to $30.0 million.
The interest rate on the borrowings under the facility was based upon the London
Interbank Offered Rate (&#147;LIBOR&#148;) plus an applicable margin, which was
2.50% at April 1, 2002. Interest on the revolving credit facility was payable
quarterly. The credit facility provided for the payment of all of the
outstanding principal balance at June 30, 2004 with no required principal
payments prior to that time. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company also had
outstanding, at April 1, 2002, $25.0 million of Series 1999, Variable Rate
Demand Bonds (the &#147;Bonds&#148;) due July 1, 2009. The Bonds, which by their
terms were redeemable at the Company&#146;s option, paid a variable interest
rate that approximated 30-day LIBOR. The Bonds were backed by a letter of credit
issued by Wachovia, which was automatically renewable on a monthly basis until
thirteen months after such time as Wachovia gave the Company notice of its
option not to renew the letter of credit. The Bonds would be subject to
mandatory redemption upon termination of the letter of credit, if an alternative
letter of credit facility was not secured. The cost of the letter of credit and
its associated fees were 2.50%, making the effective rate on the Bonds LIBOR
plus 2.50% at April 1, 2002. The interest on the Bonds was payable monthly and
the letter of credit fees were payable quarterly. The Bonds did not require the
repayment of any principal prior to maturity, except as provided above. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Effective December 31,
2001, the revolving credit facility and letter of credit were both amended by
Wachovia. The amendment established new covenants pertaining to rates related to
interest coverage and eliminated funded debt to earnings before interest, taxes,
depreciation and amortization (&#147;EBITDA&#148;) except in determining the
applicable margin. In addition, the Company was required to consolidate the
revolving credit facility and the Bonds into a single term loan on April 2,
2002.  On that date,  the Company converted the $30.0 million revolving credit facility into a
$44.0 million term loan (the &#147;Term Loan&#148;) and used the additional
proceeds to redeem the Bonds. The Term Loan will mature June 30, 2004. The
interest rate on the Term Loan is based upon LIBOR plus an applicable margin,
which was 2.75% at June 30, 2002. Interest on the Term Loan is payable
quarterly. The Company must repay the principal of the Term Loan in two annual
installments of $2.0 million on or before each of December 31, 2002 and 2003,
together with one final installment of the remaining balance at maturity in
2004. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company is required
under the Term Loan to maintain certain covenants including, among others,
ratios that relate funded debt to total capitalization and interest coverage.
The Company was in compliance with all debt covenants at June 30, 2002 and
expects to remain in compliance with applicable covenants for the remainder of
2002. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company intends to
repay its obligations under the Term Loan using dividend and tax sharing
payments from its subsidiaries. In addition, the Company believes that, if
necessary, at maturity, the Term Loan can be refinanced with the current lender,
although there can be no assurance of the terms or conditions of such a
refinancing. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company provides
certain administrative and other services to each of its insurance subsidiaries.
The amounts charged to and paid by the subsidiaries in the second quarter of
2002 increased over the second quarter of 2001. In addition, the Company has a
formal tax-sharing agreement between the Company and its insurance subsidiaries.
It is anticipated that this agreement will provide the Company with additional
funds from profitable subsidiaries due to the subsidiaries&#146; use of the
Company&#146;s tax loss carryforwards, which totaled approximately $26 million
at June 30, 2002. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Over 90% of the investment
assets of the insurance subsidiaries are in marketable securities that can be
converted into cash, if required; however, use of such assets by the Company is
limited by state insurance regulations. Dividend payments to the Company by its
wholly owned insurance subsidiaries are subject to annual limitations and are restricted to
the greater of 10% of statutory surplus or statutory earnings before recognizing
realized investment gains of the individual insurance subsidiaries. At June 30,
2002, Georgia Casualty had $17.6 million of statutory surplus, American Southern
had $32.0 million of statutory surplus, Association Casualty had $14.7 million
of statutory surplus, and Bankers Fidelity had $23.0 million of statutory
surplus. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Net cash used by operating
activities was $1.3 million in the first six months of 2002 compared to net cash
provided by operating activities of $2.8 million in the first six months of
2001. The decrease in operating cash flows during the first six months of 2002
are primarily due to an increase in paid expenses in addition to a decrease in
net funds held under reinsurance treaties. Cash and short-term investments
decreased from $68.8 million at December 31, 2001, to $44.0 million at June 30,
2002, mainly due to an increase in longer-term investments. Total investments
(excluding short-term investments) increased to $231.4 million due to the shift
from short-term investments. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company believes that
the dividends, fees, and tax-sharing payments it receives from its subsidiaries
and, if needed, borrowings from banks will enable the Company to meet its
liquidity requirements for the foreseeable future. Management is not aware of
any current recommendations by regulatory authorities, which, if implemented,
would have a material adverse effect on the Company&#146;s liquidity, capital
resources or operations. </FONT></P>

<p align=center><font size=2 face="times new roman, serif"> -17-</font></p>



<PAGE>
<hr>





<a name="quantitative_and_qualitative_disclosures"></a>
<p><font size=2 face="times new roman, serif"><b>Critical
Accounting Policies</b></font></p>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The accounting and
reporting policies of Atlantic American Corporation and its subsidiaries are in
accordance with accounting principles generally accepted in the United States
and, in management&#146;s belief, conform to general practices within the
insurance industry. The following is an explanation of the Company&#146;s
accounting policies considered most significant by management. These accounting
policies inherently require estimation and actual results could differ from
these estimates. Atlantic American does not expect that changes in the estimates
determined under these policies would have a material effect on the
Company&#146;s financial condition or liquidity, although changes could have a
material effect on its consolidated results of operations. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>Reinsurance receivables
</B>are amounts due from reinsurers and comprise 13% of the Company&#146;s total
assets at June 30, 2002. Allowances for uncollectible amounts are established
against reinsurance receivables owed to the Company under reinsurance contracts,
if appropriate. Failure of reinsurers to meet their obligations due to
insolvencies or disputes could result in uncollectible amounts and losses to the
Company. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>Deferred income
taxes</B> comprise less than 1% of the Company&#146;s total liabilities at June
30, 2002. Deferred income taxes reflect the effect of temporary differences
between assets and liabilities that are recognized for financial reporting
purposes and the amounts that are recognized for tax purposes. These deferred
taxes are measured by applying currently enacted tax laws. Valuation allowances
are recognized to reduce the deferred tax assets to the amount that is more
likely than not to be realized. In assessing the likelihood of realization,
management considers estimates of future taxable income. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>Deferred acquisition
costs </B>comprise 6% of the Company&#146;s total assets at June 30, 2002.
Deferred acquisition costs are commissions, allowances, premium taxes, and other
costs that vary with and are primarily related to the acquisition of new and
renewal business and are generally deferred and amortized. The deferred amounts
are recorded as an asset on the balance sheet and amortized to income in a
systematic manner. Traditional life insurance and long-duration health insurance
deferred policy acquisition costs are amortized over the estimated
premium-paying period of the related policies using assumptions consistent with
those used in computing policy benefit reserves. The deferred acquisition costs for property and casualty insurance and short-duration health insurance
are amortized over the effective period of the related insurance policies.
Deferred policy acquisition costs are expensed when such costs are deemed not to
be recoverable from future premiums (for traditional life and long-duration
health insurance) and from the related unearned premiums and investment income
(for property and casualty and short-duration health insurance). </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>Unpaid claims and claim
adjustment expenses </B>comprise 42% of the Company&#146;s total liabilities at
June 30, 2002. This obligation includes estimates for both reported claims not
yet paid, and claims incurred but not yet reported. Unpaid claims and claim
adjustment expense reserves for reported claims are based on a case-by-case
evaluation of the type of claim involved, the circumstances surrounding the
claim, and the policy provisions relating to the type of loss, along with
anticipated future development. Inflation and other factors which may affect
claims payments are implicitly reflected in the reserving process through
analysis of cost trends and reviews of historical reserve results. Estimates of
incurred but not reported claims is based on past experience. If actual results
differ from these assumptions, the amount of the Company&#146;s recorded
liability for unpaid claims and claim adjustment expenses could require
adjustment. </FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>Future policy
benefits</B> comprise 13% of the Company&#146;s total liabilities at June 30,
2002. These liabilities relate to life insurance products, and are based upon
assumed future investment yields, mortality rates, and withdrawal rates after
giving effect to possible risks of adverse deviation. The assumed mortality and
withdrawal rates are based upon the Company&#146;s experience. If actual results
differ from these assumptions, the amount of the Company&#146;s recorded
liability could require adjustment. </FONT></P>

<p><font size=2 face="times new roman, serif"><u>Item 3. Quantitative and Qualitative Disclosures about Market Risk</U></font></p>



<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Due to the nature of the
Company&#146;s business it is exposed to both interest rate and market risk.
Changes in interest rates, which represent the largest factor affecting the
Company, may result in changes in the fair market value of the Company&#146;s
investments, cash flows and interest income and expense. The Company is also
subject to risk from changes in equity prices. There were no material changes to
the Company&#146;s market risks since December 31, 2001. </FONT></P>

<p><font size=2 face="times new roman, serif"><u>Item 4.  Submission of Matters to a Vote of Security-Holders</u></font></p>


<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>On May 7, 2002, the
shareholders of the Company cast the following votes at the annual meeting of
shareholders for the election of directors of the Company, to amend the
Company&#146;s Articles of Incorporation, and to approve the Atlantic American
Corporation 2002 Incentive Plan. </FONT></P>

<p align=center><font size=2 face="times new roman, serif">-18-</FONT></p>



<PAGE>
<hr>



<a name="exhibits_and_reports_on_8k"></a>
<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=25%>&nbsp;</td>
<td width=25%>&nbsp;</td>
<td width=25%>&nbsp;</td>
<td width=25%>&nbsp;</td>
</tr>
<tr>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Election of Directors</font><hr noshade size=1></td>
<td bgcolor="#eeeeee" colspan=2 align=center><font size=2 face="times new roman, serif">Shares Voted</font><hr noshade size=1></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif"><u>Director Nominee</u></font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif"><u>For</u></font></td>
<td align=center><font size=2 face="times new roman, serif"><u>Withheld</u></font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">J. Mack Robinson </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,557,701</font></td>
<td align=center><font size=2 face="times new roman, serif">1,024,652</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Hilton H. Howell, Jr. </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,548,866</font></td>
<td align=center><font size=2 face="times new roman, serif">1,033,487</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Edward E. Elson </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,680,400</font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;901,953</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Harold K. Fischer  </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,559,790</font></td>
<td align=center><font size=2 face="times new roman, serif">1,022,563</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Samuel E. Hudgins  </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,670,703 </font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;911,650</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">D. Raymond Riddle   </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,681,205 </font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;901,148</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Harriett J. Robinson   </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,680,242 </font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;902,111</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">Scott G. Thompson   </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,559,790 </font></td>
<td align=center><font size=2 face="times new roman, serif">1,022,563</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Mark C. West   </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,681,215 </font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;901,138</font></td>
</tr>
<tr>
<td><font size=2 face="times new roman, serif">William H. Whaley, M.D.   </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,681,205 </font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;901,148</font></td>
</tr>
<tr bgcolor="#eeeeee">
<td><font size=2 face="times new roman, serif">Dom H. Wyant   </font></td>
<td>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">18,670,368 </font></td>
<td align=center><font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;&nbsp;911,985</font></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>

<table align=left width=90% cellspacing=0 cellpadding=3 border=0>
<tr>
<td width=25%>&nbsp;</td>
<td width=25%>&nbsp;</td>
<td width=16.6%>&nbsp;</td>
<td width=16.6%>&nbsp;</td>
<td width=16.6%>&nbsp;</td>
</tr>
<tr>
<td colspan=2><font size=2 face="times new roman, serif">To amend the Company's Articles
of Incorporation to <BR>increase
the total number of authorized shares of Common <BR>Stock from
30,000,000 to 50,000,000:<BR>&nbsp;</font></td>
<td valign=bottom colspan=3 align=center><font size=2 face="times new roman, serif">Shares Voted</font><hr noshade size=1></td>
</tr>
<tr>
<td colspan=2>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif"><u>For</u></font></td>
<td align=center><font size=2 face="times new roman, serif"><u>Against</u></font></td>
<td align=center><font size=2 face="times new roman, serif"><u>Abstain</u></font></td>
</tr>
<tr>
<td colspan=2>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">19,122,881</font></td>
<td align=center><font size=2 face="times new roman, serif">424,446</font></td>
<td align=center><font size=2 face="times new roman, serif">33,026</font></td>
</tr>
<tr>
<td colspan=2>&nbsp;</td>
</tr>
<tr>
<td colspan=2><font size=2 face="times new roman, serif">To approve the Atlantic American Corporation 2002<BR>
Incentive
Plan:<BR>&nbsp;</font></td>
<td valign=bottom colspan=3 align=center><font size=2 face="times new roman, serif">Shares Voted</font><hr noshade size=1></td>
</tr>
<tr>
<td colspan=2>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif"><u>For</u></font></td>
<td align=center><font size=2 face="times new roman, serif"><u>Against</u></font></td>
<td align=center><font size=2 face="times new roman, serif"><u>Abstain</u></font></td>
</tr>
<tr>
<td colspan=2>&nbsp;</td>
<td align=center><font size=2 face="times new roman, serif">16,650,885</font></td>
<td align=center><font size=2 face="times new roman, serif">1,332,651</font></td>
<td align=center><font size=2 face="times new roman, serif">1,598,817</font></td>
</tr>
</table>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>





<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FORWARD-LOOKING
STATEMENTS</FONT></H2>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>This report contains and references
certain information that constitutes forward-looking statements as that term is
defined in the Private Securities Litigation Reform Act of 1995. Those
statements, to the extent they are not historical facts, should be considered
forward-looking and subject to various risks and uncertainties. Such
forward-looking statements are made based upon management&#146;s assessments of
various risks and uncertainties, as well as assumptions made in accordance with
the &#147;safe harbor&#148; provisions of the Private Securities Litigation
Reform Act of 1995. The Company&#146;s actual results could differ materially
from the results anticipated in these forward-looking statements as a result of
such risks and uncertainties, including those identified in the Company&#146;s
Annual Report on Form 10-K for the fiscal year ending December 31, 2001 and the
other filings made by the Company from time to time with the Securities and
Exchange Commission.</I> </FONT></P>

<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>PART II. OTHER
INFORMATION</FONT></H2>

<p><font size=2 face="times new roman, serif"><u>Item 6.  Exhibits and Report on Form 8-K</u></font></p>


<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0>
<TR VALIGN=TOP>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=95%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
(a)(1)
On June 28, 2002, the Company filed a report on Form 8-K, reporting under Item 4
a change in the Company&#146;s certifying <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;accountants.<BR> (a)(2) On May 16, 2002,
the Company filed a report on Form 8-K, reporting under Item 4 a change in
certifying accountants for the<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;401(k) Retirement Savings Plan.</FONT></TD>
</TR>
</TABLE>
<BR>

<p align=center><font size=2 face="times new roman, serif"> -19-</font></p>





<PAGE>
<hr>


<a name="signature"></a>
<p align=center><font size=2 face="times new roman, serif"><u><b>SIGNATURE</b></u></font></p>

<p align=justify><font size=2 face="times new roman, serif">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.</font></p>


<p align=center><font size=2 face="times new roman, serif"><u> ATLANTIC AMERICAN CORPORATION<BR></u>
(Registrant)</font></p>
<BR>
<BR>
<BR>


<table width=80% align=left cellspacing=0 cellpadding=0 border=0>
<tr>
<td valign=top width=45%><font size=2 face="times new roman, serif">Date:&nbsp;<u> August 14, 2002</u></font></td>
<td width=55%><font size=2 face="times new roman, serif">By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font><font face="times new roman, serif" size=2>
<u>/s/ John G. Sample, Jr.</u></font> <BR>
<font size=2 face="times new roman, serif">&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;John G. Sample, Jr.<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President and Chief Financial Officer
</font></td>
</tr>
</table>


<BR><BR><BR><BR><BR>

<BR><BR><BR><BR><BR>
<BR><BR><BR><BR><BR>





<p align=center><font size=2 face="times new roman, serif"> -20-</font></p>
</body>
</html>












































</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>4
<FILENAME>form10q2nd02.pdf
<DESCRIPTION>EXHIBIT 10-Q
<TEXT>
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