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<SEC-DOCUMENT>0000008177-10-000014.txt : 20100702
<SEC-HEADER>0000008177-10-000014.hdr.sgml : 20100702
<ACCEPTANCE-DATETIME>20100702092711
ACCESSION NUMBER:		0000008177-10-000014
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20100629
ITEM INFORMATION:		Entry into a Material Definitive Agreement
FILED AS OF DATE:		20100702
DATE AS OF CHANGE:		20100702

FILER:

	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:			0228

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-03722
		FILM NUMBER:		10933689

	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>8-K
<SEQUENCE>1
<FILENAME>form_8k3rdamend2010.htm
<DESCRIPTION>CURRENT REPORT
<TEXT>

<HTML>
<HEAD>
<TITLE>Form 8-K 3rd Amendment to Credit Agreement 2010</title>
</head>
<body>
<BR><BR><BR>
<p align=center><font size=3 face="times new roman"><b>UNITED STATES<BR>SECURITIES AND EXCHANGE COMMISSION<BR>
 Washington, D.C. 20549</b></font></p>

<p align=center><font size=4 face="times new roman"><b>FORM 8-K</b></font></p>

<p align=center><font size=3 face="times new roman"><b>CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B></font></p><BR>

<table align=center width=670 cellspacing=0 cellpadding=2 border=0>
<tr>
<td width=50%></td>
<td width=50%></td>
</tr>
<tr>
<td valign=top><font size=3 face="times new roman">Date of Report (Date of earliest event reported):&nbsp;<BR></font></td>
<td><font size=3 face="times new roman">&nbsp;&nbsp;July 2, 2010 (June 29, 2010)</font><hr noshade size=1></td>
</tr>
</table>
<BR>
<table align=center width=670 cellspacing=0 cellpadding=2 border=0>
<tr>
<td width=50%></td>
<td width=50%></td>
</tr>
<tr>
<td colspan=2 align=center>
<font size=3 face="times new roman"><b> ATLANTIC AMERICAN CORPORATION</b></font><hr noshade size=1></td>
</tr>
<tr>
<td colspan=2 align=center><font size=3 face="times new roman">(Exact name of registrant as specified in its charter)</font></td>
</tr>
</table>
<BR>

<table align=center width=670 cellspacing=0 cellpadding=0 border=0>
<tr>
<td width=33.3%></td>
<td width=33.3%></td>
<td width=33.3%></td>
</tr>
<tr>

<td align=center><font size=3 face="times new roman"> Georgia</font><hr noshade size=1></td>

<td align=center><font size=3 face="times new roman">0-3722</font><hr noshade size=1></td>

<td align=center><font size=3 face="times new roman">58-1027114</font><hr noshade size=1></td>
</tr>
<tr>
<td align=center><font size=3 face="times new roman">(State or other jurisdiction <BR>of incorporation)</font></td>
<td align=center><font size=3 face="times new roman">(Commission File Number)<BR>&nbsp;</font></td>
<td align=center><font size=3 face="times new roman">(I.R.S. Employer<BR>Identification No.)</font></td>
</tr>
<tr>
<td colspan=3>&nbsp;</td>
</tr>
<tr>

<td colspan=2><font size=3 face="times new roman">4370 Peachtree Rd., N.E., Atlanta, Georgia </font><hr noshade size=1></td>
<td align=center><font size=3 face="times new roman">30319</font><hr noshade size=1></td>
</TR>
<tr>
<td align=center colspan=2><font size=3 face="times new roman">(Address of principal executive offices)</font></td>
<td align=center><font size=3 face="times new roman">(Zip Code)</font></td>
</tr>
 <tr>
<td colspan=3>&nbsp;</td>
</tr>
</table>

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<tr>
<td width=50%></td>
<td width=50%></td>
</tr>
<tr>
<td><font size=3 face="times new roman">Registrant's telephone number, including area code<BR>&nbsp;</font></td>

<td><font size=3 face="times new roman">&nbsp;&nbsp;(404) 266-5500</font><hr noshade size=1></td>
</tr>
<tr>
<td colspan=2>&nbsp;</td>
</tr>
<tr>
<td align=center colspan=2><font size=3 face="times new roman">N/A</font><hr noshade size=1></td>
</tr>
<tr>
<td align=center colspan=2><font size=3 face="times new roman">(Former name or former address, if changed since last report)</font></td>
</tr>
</table>










<BR>

<table align=center width=670 cellspacing=0 cellpadding=2 border=0>
<tr>
<td width=5%></td>
<td width=5%></td>
<td width=90%></td>
</tr>
<tr>
<td colspan=3><font size=2 face="times new roman">Check the appropriate box
below if the Form 8-K filing is intended to simultaneously satisfy the filing
obligation of the registrant under any of the following provisions:</font></td>
</tr>
<tr>
<td colspan=3>&nbsp;</td>
</tr>
<tr>
<td align=center>&#143;</td>

<td colspan=2><font size=2 face="times new roman">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
</font></td>
</tr>
<tr>
<td align=center>&#143;</td>

<td colspan=2><font size=2 face="times new roman">Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)</font></td>
</tr>
<tr>
<td align=center>&#143;</td>

<td colspan=2><font size=2 face="times new roman">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
(17 CFR 240.14d-2(b))</font></td>
</tr>
<tr>
<td align=center>&#143;</td>

<td colspan=2><font size=2 face="times new roman">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act
(17 CFR 240.13e-4(c))</font></td>
</tr>
</table>


<BR><BR><BR><BR><BR>






<hr noshade size=2>
<PAGE>
<H5 align="left" style="page-break-before:always"></H5>







<table width=670 cellspacing=0 cellpadding=2 border=0>
<tr>
<td width=10%>&nbsp;</td>
<td width=90%>&nbsp;</td>

</tr>

<tr>
<td colspan=2>&nbsp;</td>
</tr>
<tr>
<td colspan=4><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>Section 1&nbsp;&nbsp;-&nbsp;&nbsp;
Registrant's Business and Operations</b></FONT></td>
<td>&nbsp;</td>
</tr>
<tr>
<td colspan=4>&nbsp;</td>
</tr>
<tr>
<td><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>Item 1.01.</b></font></td>

<td colspan=3><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>Entry into a Material Definitive Agreement.</b></font></td>
</tr>

</table>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>On June 29, 2010, Atlantic
American Corporation (the &#147;Company&#148;) and Wells Fargo Bank, National
Association, successor-by-merger to Wachovia Bank, National Association (the
&#147;Bank&#148;) entered into the Third Amendment (the &#147;Amendment&#148;)
to that certain Credit Agreement, dated as of December 22, 2006, by and between
the Company and the Bank (as amended, the &#147;Credit Agreement&#148;).</font></p>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Amendment provides for,
among other things: (i)&#160;the extension of the term of the Credit Agreement
to June 30, 2011 (the &#147;Extension Period&#148;); (ii) availability under a
revolving credit facility thereunder during the Extension Period of $5,000,000;
and (iii)&#160;an Applicable Margin (as defined therein) on LIBOR-based
borrowings thereunder of 2.0%. All other material terms and conditions of the
Credit Agreement remained unchanged and in full force and effect.
</FONT></P>

<P align=justify><FONT FACE="Times New Roman, Times, Serif" SIZE=2>There are currently no
amounts outstanding under the Credit Agreement.</FONT></P>

<BR><BR>






















<hr noshade size=2>
<PAGE>
<H5 align="left" style="page-break-before:always"></H5>





<p align=center><font size=2 face="times new roman"><b> SIGNATURES</b></font></p>
<p><font size=2 face="times new roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pursuant to the
requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed
on its behalf by the undersigned, hereunto duly authorized.</font></p>

<table align=center width=650 cellpadding=5 cellspacing=0 border=0>
<tr>
<td width=50%>
</td>
<td width=50%>
</td>
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<tr>
<td>&nbsp;</td>
<td><font size=2 face="times new roman"><b> ATLANTIC AMERICAN CORPORATION</b></font></td>
</tr>
</table>

<table align=center width=650 cellpadding=0 cellspacing=0 border=0>
<tr>
<td width=50%>
</td>
<td width=50%>
</td>
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<tr>
<td colspan=2>&nbsp;</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><font size=2 face="times new roman">&nbsp;&nbsp;&nbsp;By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ John G. Sample, Jr.</font><hr size=1 noshade></td>
</tr>
<tr>
<td>&nbsp;</td>
<td><font size=2 face="times new roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;John G. Sample, Jr.<BR>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President and Chief Financial Officer</font></td>
</tr>
</table>

<p><font size=2 face="times new roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;Date: &nbsp;&nbsp; July 2, 2010</font></p>
<BR><BR>







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