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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 x8EFj9RETWDod4+hankFSA==

<SEC-DOCUMENT>0001209191-03-006629.txt : 20030604
<SEC-HEADER>0001209191-03-006629.hdr.sgml : 20030604
<ACCEPTANCE-DATETIME>20030604154631
ACCESSION NUMBER:		0001209191-03-006629
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20030604
FILED AS OF DATE:		20030604

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			ELSON EDWARD E
		CENTRAL INDEX KEY:			0001197780

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-03722
		FILM NUMBER:		03732598

	BUSINESS ADDRESS:	
		STREET 1:		180 COCOANUT ROW
		CITY:			PALM BEACH
		STATE:			FL
		ZIP:			33480

ISSUER:		

	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

	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>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0101</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-06-04</periodOfReport><issuer><issuerCik>0000008177</issuerCik><issuerName>ATLANTIC AMERICAN CORP</issuerName>        <issuerTradingSymbol>AAME</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001197780</rptOwnerCik><rptOwnerName>ELSON EDWARD E</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>  </rptOwnerStreet1><rptOwnerStreet2>  </rptOwnerStreet2><rptOwnerCity>  </rptOwnerCity><rptOwnerState>  </rptOwnerState><rptOwnerZipCode>  </rptOwnerZipCode></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle></officerTitle><otherText></otherText></reportingOwnerRelationship></reportingOwner><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-06-04</value></tr
ansactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>J</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>6500</value></transactionShares><transactionValue><value>0</value></transactionValue><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeSecurity><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-06-04</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>J</transactionCode><equitySwapInvolved>0</equitySwapInvolved></trans
actionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>6500</value></transactionShares><transactionValue><value>0</value><footnoteId id="F1" /></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>8500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>EEE Investments Limited Partnership</value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><footnotes><footnote id="F1">Mr. Elson has an indirect ownership interest in 8500 shares owned by EEE Investments Limited Partnership, for which Mr. Elson is a general partner.  Mr. Elson also holds options to acquire 9000 shares of common stock granted under the Company's 1996 Non-Employee Director Stock Option Plan at exercise prices
 ranging from $1.90 to $4.9375.</footnote></footnotes><ownerSignature><signatureName>Janie L. Ryan, POA</signatureName><signatureDate>2003-06-04</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.4_4667
<SEQUENCE>3
<FILENAME>poa.txt
<DESCRIPTION>POA DOCUMENT
<TEXT>
 LIMITED POWER OF ATTORNEY FOR
SECTION 16 REPORTING OBLIGATIONS


	POWER
OF ATTORNEY
Know all by these presents, that the undersigned hereby
constitutes and appoints each of Janie L. Ryan and John G. Sample, Jr.,
signing singly, the undersigned's true and lawful attorney-in-fact
to:
(1)	execute for and on behalf of the undersigned, in the undersigned's
capacity as an officer and/or director of Atlantic American Corporation
(the "Company"), Forms 3, 4, and 5 in accordance with Section 16(a) of the
Securities Exchange Act of 1934 and the rules thereunder;
(2)	do and
perform any and all acts for and on behalf of the undersigned which may be
necessary or desirable to complete and execute any such Form 3, 4, or 5 and
timely file such form with the United States Securities and Exchange
Commission and any stock exchange or similar authority; and
(3)	take any
other action of any type whatsoever in connection with the foregoing which,
in the opinion of such attorney-in-fact, may be of benefit to, in the
interests of, or legally required by, the undersigned, it being understood
that the documents executed by such attorney-in-fact on behalf of the
undersigned pursuant to this Power of Attorney shall be in such form and
shall contain such terms and conditions as such attorney-in-fact may
approve in such attorney-in-fact's discretion.
The undersigned hereby
grants to each such attorney-in-fact full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary, or
proper to be done in the exercise of any of the rights and powers herein
granted, as fully to all intents and purposes as the undersigned might or
could do if personally present, with full power of substitution or
revocation, hereby ratifying and confirming all that such attorney-in-fact,
or such attorney-in-fact's substitute or substitutes, shall lawfully do or
cause to be done by virtue of this power of attorney and the rights and
powers herein granted.  The undersigned acknowledges that the foregoing
attorneys-in-fact, in serving in such capacity at the request of the
undersigned, are not assuming, nor is the Company assuming, any of the
undersigned's responsibilities to comply with Section 16 of the Securities
Exchange Act of 1934.
This Power of Attorney shall remain in full force
and effect until the undersigned is no longer required to file Forms 3, 4
and 5 with respect to the undersigned's holdings of and transactions in
securities issued by the Company, unless earlier revoked by the undersigned
in a signed writing delivered to the foregoing attorneys-in-fact.
IN
WITNESS WHEREOF, the undersigned has caused this Power of Attorney to be
executed as of this 1st day of October, 2002.

Edward E.
Elson
Signature

Edward E. Elson
Print Name

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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