-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 McaaC76gLjzZ+2p4NF3oryfoKPJi74gCjiNRApeqHhFjAi6A0j0kTvRdTT1g/GFv
 O4x4IlcnPS1BXwj9nUnN/w==

<SEC-DOCUMENT>0001187645-04-000001.txt : 20040107
<SEC-HEADER>0001187645-04-000001.hdr.sgml : 20040107
<ACCEPTANCE-DATETIME>20040107164649
ACCESSION NUMBER:		0001187645-04-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031231
FILED AS OF DATE:		20040107

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HALL ROY V
		CENTRAL INDEX KEY:			0001187645

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25846
		FILM NUMBER:		04513562

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		770 478 8881

	MAIL ADDRESS:	
		STREET 1:		P O BOX 935
		CITY:			JONESBORO
		STATE:			GA
		ZIP:			30236

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CCF HOLDING CO
		CENTRAL INDEX KEY:			0000943033
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				582173616
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		101 NORTH MAIN ST
		CITY:			JONESBORO
		STATE:			GA
		ZIP:			30236
		BUSINESS PHONE:		7704788881

	MAIL ADDRESS:	
		STREET 1:		101 NORTH MAIN ST
		CITY:			JONESBORO
		STATE:			GA
		ZIP:			30236
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-12-31</periodOfReport>
    <issuer>
        <issuerCik>0000943033</issuerCik>
        <issuerName>CCF HOLDING CO</issuerName>
        <issuerTradingSymbol>CCFH</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001187645</rptOwnerCik>
            <rptOwnerName>HALL ROY V</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>8959 ELBERTA CT.</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>JONESBORO</rptOwnerCity>
            <rptOwnerState>GA</rptOwnerState>
            <rptOwnerZipCode>30236</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>746</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>4507</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>IRA</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock
</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>355</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Spousal IRA</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeHolding><securityTitle><value>Right to buy options</value></securityTitle><conversionOrExercisePrice><value>9.50</value></conversionOrExercisePrice><exerciseDate><value>2001-01-19</value><footnoteId id="F1"/></exerciseDate><expirationDate><value>2010-01-19</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>7500</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>7500</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNatur
e><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Right to buy options</value></securityTitle><conversionOrExercisePrice><value>6.67</value></conversionOrExercisePrice><exerciseDate><value>2001-07-01</value></exerciseDate><expirationDate><value>2010-12-31</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>450</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>450</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Right to buy options</value></securityTitle><conversionO
rExercisePrice><value>14.49</value></conversionOrExercisePrice><exerciseDate><value>2002-07-01</value></exerciseDate><expirationDate><value>2011-12-31</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>450</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>450</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Right to buy options</value></securityTitle><conversionOrExercisePrice><value>17.10</value></conversionOrExercisePrice><exerciseDate><value>2003-07-01</value></exerciseDate><expirationDate><value>2012-12-31</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></under
lyingSecurityTitle><underlyingSecurityShares><value>450</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>450</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeHolding><derivativeTransaction><securityTitle><value>Right to buy options</value></securityTitle><conversionOrExercisePrice><value>22.93</value></conversionOrExercisePrice><transactionDate><value>2003-12-31</value></transactionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>450</value></transactionShares><transactionPricePerShare><footnoteId id="F2"/></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquire
dDisposedCode></transactionAmounts><exerciseDate><value>2004-07-01</value></exerciseDate><expirationDate><value>2013-12-31</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>450</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>450</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value/></natureOfOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">Vesting 20% per year beginning 1-19-01 through 1-19-05</footnote><footnote id="F2">grant</footnote></footnotes><remarks/><ownerSignature><signatureName>David B. Turner by power of attorney</signatureName><signatureDate>2004-01-07</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----