Atlantic Bancgroup (ATBC) 8-K Results of Operations and Financial Condition

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (date of earliest event reported): November 2, 2006

ATLANTIC BANCGROUP, INC.

(Exact name of registrant as specified in its charter)

Florida	001-15061	59-3543956
(State or other jurisdiction	Commission File Number	(I.R.S. Employer
Of incorporation)		Identification No.)

1315 South Third Street

Jacksonville Beach, Florida 32250

(address of principal executive offices)

Registrant’s telephone number: (904) 247-9494

ITEM 2.02.Results of Operation and Financial Condition

On November 2, 2006, Atlantic BancGroup, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2006. A copy of the press release is furnished as Exhibit 99.1 to this report.

ITEM 9.01.Financial Statements and Exhibits.

(c) Exhibits.

The following exhibit is being furnished with this Report:

99.1Press Release (solely furnished and not filed for purposes of Item 9.01).

Date:November 2, 2006

Atlantic BancGroup, Inc.
(Registrant)
By:	/s/ Barry W. Chandler
	Barry W. Chandler
	President and Chief Executive Officer