CERTIFICATION 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 Annual  Report for the  Atlantic  American  Corporation
401(k)  Retirement  Savings  Plan (the "Plan") on Form 11-K for the period ended
December 31, 2006 as filed with the  Securities  and Exchange  Commission on the
date  hereof  (the  "Report"),  I, John G.  Sample,  Jr.,  on behalf of Atlantic
American  Corporation,  as Senior Vice President & CFO, certify,  pursuant to 18
U.S.C. Section 1350 as adopted pursuant to Section 906 of the Sarbanes-Oxley Act
of 2002, that:

(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 net assets  available  for the benefits and changes in net assets
available for benefits of the Plan.

/s/ John G. Sample, Jr.
John G. Sample, Jr.
Senior Vice President & CFO for Atlantic American Corporation