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): July 17, 2006
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 July 17, 2006, Atlantic Coast Federal Corporation announced that the
Company will change the name of its banking unit to Atlantic Coast Bank from
Atlantic Coast Federal. While the change in no way affects the operations of the
bank, its customers, or its service, the new name better reflects the bank's
current breadth of products, expanded capabilities, and focus on business
development, especially in growing coastal markets like Jacksonville. The full
text of the press release is set forth in Exhibit 99.1.
ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.
(d) Exhibits.
99.1 Press Release dated July 17, 2006
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: July 17, 2006 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 July 17, 2006.