UNITED STATES
                       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): June 28, 2005

                       ATLANTIC COAST FEDERAL CORPORATION
                       ----------------------------------
             (Exact name of Registrant as specified in its charter)

          Federal                    000-50962                  59-3764686
          -------                    ---------                  ----------
(State or Other Jurisdiction        (Commission              (I.R.S. Employer
     of Incorporation)              File Number)             Identification No.)

                   505 Haines Avenue, Waycross, Georgia 31501
                   ------------------------------------------
                    (Address of principal executive offices)

                                 (800) 342-2824
                                 --------------
               Registrant's telephone number, including area code

                                 Not Applicable
                                 --------------
          (Former Name or former address, if changed since last report)




Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|_|  Written communications pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
     (17 CFR 240.14a-12)

|_|  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))









ITEM 8.01. OTHER EVENTS.

              On June 29, 2005, Atlantic Coast Federal Corporation announced
that its Board of Directors declared a quarterly cash dividend at the rate of
$0.06 per common share, payable on August 1, 2005, to stockholders of record as
of July 15, 2005. The full text of the press release is set forth in Exhibit
99.1.


ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

         (c)        Exhibits.

                    99.1        Press Release dated June 29, 2005


                                   SIGNATURES


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                    ATLANTIC COAST FEDERAL CORPORATION


Date:  June 29, 2005            By: /s/    Robert J. Larison, Jr.
                                    --------------------------------------------
                                           Robert J. Larison, Jr.
                                           President and Chief Executive Officer
                                           (Duly Authorized Representative)








                                  EXHIBIT INDEX

Exhibit
Number             Description of Exhibit(s)
- -------            -------------------------

 99.1              Copy of press release issued by the Company on June 29, 2005.