-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 WMgQlb49rUzzzJSjNUtkm6SB14emf6ILhAzLqh6zl27xHDmuXHC2yha8+Xm32FPz
 /vHnfNDWL/e8QkRevrWYUA==

<SEC-DOCUMENT>0001209191-03-006640.txt : 20030604
<SEC-HEADER>0001209191-03-006640.hdr.sgml : 20030604
<ACCEPTANCE-DATETIME>20030604161002
ACCESSION NUMBER:		0001209191-03-006640
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:			ROBINSON HARRIETT J
		CENTRAL INDEX KEY:			0001196567

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-03722
		FILM NUMBER:		03732702

	BUSINESS ADDRESS:	
		STREET 1:		3500 TUXEDO ROAD NW
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30305
		BUSINESS PHONE:		4042665532

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>0001196567</rptOwnerCik><rptOwnerName>ROBINSON HARRIETT J</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>  </rptOwnerStreet1><rptOwnerStreet2>  </rptOwnerStreet2><rptOwnerCity>  </rptOwnerCity><rptOwnerState>  </rptOwnerState><rptOwnerZipCode>  </rptOwnerZipCode></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>1</isTenPercentOwner><isOther>1</isOther><officerTitle></officerTitle><otherText>Trustee under Rule 16a-8</otherText></reportingOwnerRelationship></reportingOwner><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate>
<value>2003-06-03</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>5000</value></transactionShares><transactionValue><value>2.3114</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>497285</value><footnoteId id="F1" /><footnoteId id="F2" /><footnoteId id="F3" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeSecurity><footnotes><footnote id="F1">Mrs. Robinson has a direct ownership of 497285 shares.  Mrs. Robinson has an indirect ownership interest in 10717 shares in a 401(k) Plan based on a plan s
tatement as of December 31, 2002, owned by Mr. Robinson and for which Mrs. Robinson expressly disclaims beneficial ownership.  Mrs. Robinson also has a direct ownership of 6720 shares owned jointly with her grandson.  Mrs. Robinson also has an indirect ownership interest in 1975396 shares, of which 744694 shares are held by spouse; 946702 shares are held by Delta Life Ins. Co.; and, 300000 shares are held by Delta Fire &amp; Casualty Ins. Co., all of which Mrs. Robinson expressly disclaims any beneficial ownership of such securities. </footnote><footnote id="F2">Mrs. Robinson also has an indirect ownership interest in 3411102 shares owned by Gulf Capital Services for which her spouse individually holds a 24% intereset in the Partnership, with the remaining partnerships held in equal shares by Trust for the benefit of the reporting person's daughters, with the reporting person as Trustee.  </footnote><footnote id="F3">Mrs. Robinson also has an indirect ownership interest in 3953256 shares held by self as Trus
tee for daughter, Robin Robinson, securities held directly by Trust, for which Mrs. Robinson expressly disclaims beneficial ownership of such securities. Mrs. Robinson also has an indirect ownership interest in 4026992 shares held by self as Trustee for daughter, Jill Robinson, securities held directly by Trust, for which Mrs. Robinson expressly disclaims beneficial ownership of such securities.  Mrs. Robinson also has an indirect ownership interest in employee stock options to acquire 100000 shares of common stock granted under the Company's 1992 Incentive Plan at an exercise price of $3.374, held by spouse.  Mrs. Robinson also has a  direct ownership interest in options to acquire 5000 shares of common stock granted under the Company's 1996 Non-Employee Director Stock Option Plan at exercise prices ranging from $1.90 to $4.4375. </footnote></footnotes><ownerSignature><signatureName>Janie L. Ryan, POA</signatureName><signatureDate>2003-06-04</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.4_4673
<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 30th day of September, 2002.

Harriett J.
Robinson
Signature

Harriett J. Robinson
Print Name

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