<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>4
<FILENAME>exhibit2.txt
<DESCRIPTION>CONSENT OF GIFFORD, HILLEGASS & INGWERSEN, P.C.
<TEXT>

                                 EXHIBIT INDEX


Exhibit Number          Title
--------------          -----

2                       Consent of Independent Accountants




<PAGE>

CONSENT OF PUBLIC ACCOUNTANTS




As independent public accountants, we hereby consent to the incorporation by
reference of our report dated May 31, 2002, included in this Annual Report of
the Atlantic American Corporation 401(k) Retirement Savings Plan on Form 11-K
for the year ended December 31, 2001, into the Plan's previously filed
Registration Statement No. 333-89891.




                                            GIFFORD, HILLEGASS & INGWERSEN, P.C.


Atlanta, Georgia
June 26, 2002


</TEXT>
</DOCUMENT>
