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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 HnzBBpdT6OGuNr3lGfyAAg==

<SEC-DOCUMENT>0001209191-03-009194.txt : 20030630
<SEC-HEADER>0001209191-03-009194.hdr.sgml : 20030630
<ACCEPTANCE-DATETIME>20030630155824
ACCESSION NUMBER:		0001209191-03-009194
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030630
FILED AS OF DATE:		20030630

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ATLANTIC AMERICAN CORP
		CENTRAL INDEX KEY:			0000008177
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				581027114
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		4370 PEACHTREE RD NE
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30319
		BUSINESS PHONE:		4042665500

	MAIL ADDRESS:	
		STREET 1:		4370 PEACHTREE ROAD
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30319

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			ROBINSON J MACK
		CENTRAL INDEX KEY:			0001008889

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-03722
		FILM NUMBER:		03764440

	BUSINESS ADDRESS:	
		STREET 1:		4370 PEACHTREE RD
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30319
		BUSINESS PHONE:		4042312111

	MAIL ADDRESS:	
		STREET 1:		4370 PEACHTREE RD
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30319
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0101</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-06-30</periodOfReport><issuer><issuerCik>0000008177</issuerCik><issuerName>ATLANTIC AMERICAN CORP</issuerName>        <issuerTradingSymbol>AAME</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001008889</rptOwnerCik><rptOwnerName>ROBINSON J MACK</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>  </rptOwnerStreet1><rptOwnerStreet2>  </rptOwnerStreet2><rptOwnerCity>  </rptOwnerCity><rptOwnerState>  </rptOwnerState><rptOwnerZipCode>  </rptOwnerZipCode></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>1</isTenPercentOwner><isOther>0</isOther><officerTitle>Chairman</officerTitle><otherText></otherText></reportingOwnerRelationship></reportingOwner><nonDerivativeSecurity><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-06-27</v
alue></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>P</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>10000</value></transactionShares><transactionValue><value>2.2975</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>8504263</value><footnoteId id="F1" /><footnoteId id="F2" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Spouse</value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><footnotes><footnote id="F1">Mr. Robinson has a direct ownership of 744694 shares.  Mr. Robinson also has an indirect ownership interest in 10717 shares held in 
a 401(k) Plan based on a plan statement as of December 31, 2002.  Mr. Robinson also has an indirect ownership interest in 946702 shares owned by Delta Life Insurance Co.  Mr. Robinson also has an indirect ownership interest in 8489263 shares, of which 517295 are owned directly by his spouse; 6720 shares held by spouse, jointly with grandson; 3953256 shares held directly by Trust for daughter, Robin Robinson, with spouse as Trustee; and, 4026992 shares held directly by Trust for daughter, Jill Robinson, with spouse as Trustee, all of which Mr. Robinson expressly disclaims beneficial ownership of such securities. </footnote><footnote id="F2">Mr. Robinson also has an indirect ownership interest in 3411102 shares owned by Gulf Capital Services, for which Mr. Robinson holds a 24% interest in the Partnership.  The remaining partnerships are held in equal shares by Trust for benefit of Mr. Robinson's daughters, with Mr. Robinson's spouse as Trustee.  Mr. Robinson disclaims beneficial ownership for 76% of the securi
ties held by Gulf Capital Services, representing the Trusts' proportionate partnership interest.  Mr. Robinson also holds employee stock options to acquire 100000 shares of common stock granted under the Company's 1992 Incentive Plan at an exercise price of $3.374.  Mr. Robinson also has an indirect ownership interest in options to acquire 5000 shares of common stock granted under the Company's 1996 Non-Employee Director Stock Option Plan at exercise prices ranging from $1.90 to $4.4375 held by his wife.</footnote></footnotes><ownerSignature><signatureName>Janie L. Ryan, POA</signatureName><signatureDate>2003-06-30</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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