<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>4
<FILENAME>form11k_exhibit3.txt
<DESCRIPTION>EXHIBIT 3 CONSENT OF GHI
<TEXT>


                                    Exhibit 3



CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in the Registration Statement (Form
S-8  No.  33-90890)  pertaining  to the  Atlantic  American  Corporation  401(k)
Retirement  Savings Plan of our report dated June 19, 2008,  with respect to the
statement of net assets available for benefits of Atlantic American  Corporation
401(k)  Retirement  Savings Plan as of December 31, 2007 included in this Annual
Report (Form 11-K) for the year ended December 31, 2008.


GIFFORD, HILLEGASS & INGWERSEN LLP
Atlanta, Georgia
June 29, 2009












</TEXT>
</DOCUMENT>
