SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 11-K
(Mark One)
X ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2001
OR
TRANSACTION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934 (NO FEE REQUIRED)
Commission file number 0-3722
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A. Full title of the plan and the address of the plan, if different from that of the issuer named below:
Atlantic American Corporation
401(k) Retirement Savings Plan
B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:
Atlantic American Corporation
4370 Peachtree Road, N.E.
Atlanta, GA 30319
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SIGNATURES
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Financial Statements and Schedules
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Consent of Gifford, Hillegass & Ingwersen, P.C.
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SIGNATURES
THE PLAN. Pursuant to the requirements of the Securities Exchange Act of 1934,
the trustees (or other persons who administer the employee benefit plan) have
duly caused this annual report to be signed on its behalf by the undersigned
hereunto duly authorized.
Atlantic American Corporation
401(k) Retirement Savings Plan
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(Name of Plan)
Date: June 26, 2002
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/s/ Hilton H. Howell
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Hilton H. Howell
President and CEO
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ATLANTIC AMERICAN CORPORATION
401(K) RETIREMENT SAVINGS PLAN
The following exhibits are filed herewith:
Exhibit 1: Financial Statements and Schedules as of December 31,
2001 and 2000 together with auditor's report.
Exhibit 2: Consent of Gifford , Hillegas & Ingwersen, P.C.