EXHIBIT 32.1


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
period ended December 31, 2003, 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.
Date:  March 29, 2004       -----------------------------------
                            Hilton H. Howell, Jr.
                            President and Chief Executive Officer


                            /s/ John G. Sample, Jr.
Date:  March 29, 2004       -----------------------------------
                            John G. Sample, Jr.
                            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.