EXHIBIT 23 (c)

                          CONSENT OF ERNST & YOUNG LLP
                              INDEPENDENT AUDITORS

         We consent  to the  incorporation  by  reference  in this  Registration
Statement  on Form S-8 of  Atlantic  American  Corporation, with respect to the
1992 Incentive Plan of our report dated September  7,  1999,  with  respect  to
the  combined  financial  statements  of Association  Casualty  Insurance
Company and Association Risk Management General Agency, Inc., included in
Atlantic American Corporation's Current Report on Form 8-K/A dated September
14, 1999.

Austin, Texas                                          /s/ Ernst & Young LLP
October 27, 1999