EXHIBIT 99.1



        Certification Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

         Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906
of the Sarbanes-Oxley Act of 2002, in connection with the filing of the Annual
Report on Form 10-K of Atlantic American Corporation (the "Company") for the
twelve month period ended December 31, 2002, as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), each of the undersigned
officers of the Company certifies, that, to such officer's knowledge:

         (1)  The Report fully complies with the requirements of Section 13(a)
              or 15(d) of the Securities Exchange Act of 1934; and

         (2)  The information contained in the Report fairly presents, in all
              material respects, the financial condition and results of
              operations of the Company as of the dates and for the periods
              expressed in the Report.


                           /s/ Hilton H. Howell, Jr.
                           -------------------------------------------
                           Name: Hilton H. Howell, Jr.
                           Title: President and Chief Executive Officer



                           /s/ John G. Sample, Jr.
                           -------------------------------------------
                           Name: John G. Sample, Jr.
                           Title: Senior Vice President and
                           Chief Financial Officer


         A signed original of this written statement required by
Section 906 has been provided to the Company and will be retained
by the Company and furnished to the Securities and Exchange Commission
or its staff upon request.