EXHIBIT 32.1

Certifications 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, 2005, 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.

Date: March 31, 2006         /s/ Hilton H. Howell, Jr.
                           ------------------------------------
                             Hilton H. Howell, Jr.
                             President and Chief Executive Officer

Date: March 31, 2006         /s/ John G. Sample, Jr.
                           ------------------------------------
                             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.