-----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,
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 FuVRnBOlDV4g5Iwf+9lBFQ==

<SEC-DOCUMENT>0001209191-04-008184.txt : 20040210
<SEC-HEADER>0001209191-04-008184.hdr.sgml : 20040210
<ACCEPTANCE-DATETIME>20040210143150
ACCESSION NUMBER:		0001209191-04-008184
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20031231
FILED AS OF DATE:		20040210

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HOWELL HILTON H JR
		CENTRAL INDEX KEY:			0001213166

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-03722
		FILM NUMBER:		04581363

	MAIL ADDRESS:	
		STREET 1:		4370 PEACHTREE ROAD, N.E.
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30319

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>5
<SEQUENCE>1
<FILENAME>doc5.xml
<DESCRIPTION>FORM 5 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2003-12-31</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>0</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

    <issuer>
        <issuerCik>0000008177</issuerCik>
        <issuerName>ATLANTIC AMERICAN CORP</issuerName>
        <issuerTradingSymbol>AAME</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001213166</rptOwnerCik>
            <rptOwnerName>HOWELL HILTON H JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>4370 PEACHTREE ROAD, N.E.</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>ATLANTA</rptOwnerCity>
            <rptOwnerState>GA</rptOwnerState>
            <rptOwnerZipCode>30319</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>President &amp; CEO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionCoding>
                <transactionFormType></transactionFormType>
            </transactionCoding>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>28368.0000</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>401(k)</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">401(k) Plan.  The information herein is based on a plan statement as of December 31, 2003.</footnote>
    </footnotes>

    <remarks>Mr. Howell has a direct ownership of 171500 shares. Mr. Howell also has an indirect ownership interest in 28368 shares held in a 401(k) Plan based on a plan statement as of December 31, 2003.  Mr. Howell also has an indirect ownership interest in 39025 shares for which 1025 shares are held directly by spouse; 6000 shares held F/B/O daughter, Alston Elizabeth Howell, with spouse as Custodian; 7000 shares held F/B/O, son, Hilton Hatchett Howell, III, with spouse as Custodian; 12500 shares held F/B/O daughter, Anna Louise Howell, with spouse as custodian; and 12500 shares sheld F/B/O daughter, Julia Bailey Howell, with spouse as custodian, all for which Mr. Howell expressly disclaims beneficial ownership of such securities.  Mr. Howell also has an indirect ownership interest in 6720 shares owned jointly by his son with Harriett J. Robinson for which Mr. Howell express disclaims beneficial ownership in such securities.  Mr. Howell also holds employee stock options to acquire 200000 shares of common 
stock granted under the Company's 1992 Incentive Plan at exercise prices ranging from $1.25 to $1.59.</remarks>

    <ownerSignature>
        <signatureName>Janie L. Ryan POA</signatureName>
        <signatureDate>2004-02-10</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.5_30112
<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 31st day of December, 2002.


Hilton H. Howell, Jr.
Signature

Hilton H. Howell, Jr.
Print
Name

:

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