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EX-99.1 - EXHIBIT 99.1 - Atlantic Coast Financial CORPa6570709-ex991.htm

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): January 10, 2011

ATLANTIC COAST FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

Maryland

333-167632

Being applied for

(State or Other Jurisdiction

of Incorporation)

(Commission

File Number)

(I.R.S. Employer

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 2.02.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

Atlantic Coast Financial Corporation is the proposed holding company for Atlantic Coast Bank and successor company for Atlantic Coast Federal Corporation.  On January 10, 2011, Atlantic Coast Federal Corporation (the "Company") announced certain preliminary year-end 2010 financial information in advance of the launch of the assisted broker phase of its second-step conversion and offering. The full text of the press release is set forth in Exhibit 99.1.

The information in this Form 8-K and the attached Exhibit shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in such filing.


ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

  (d) Exhibits.
99.1 Press release dated January 10, 2011


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 FINANCIAL CORPORATION

 
 

Date:

January 13, 2011

By:

/s/

Thomas B. Wagers, Sr.

 

Thomas B. Wagers, Sr.

 

Chief Financial Officer

(Duly Authorized Representative)


EXHIBIT INDEX

Exhibit

Number

Description of Exhibit(s)

99.1

Press release dated January 10, 2011