Insider Trades - FRANKLAND G THOMAS

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FRANKLAND G THOMAS: Declared Holdings
Company/Relationship	Reported	Shares	Ownership
Atlantic Coast Federal Corporat Officer NasdaqGM:ACFC (historical quotes, profile, other insiders)	5-Dec-11	13,065	Indirect

Insider & restricted shareholder transactions reported over the last two years
Date Shares Stock Transaction
5-Dec-11 *1,000 ACFC Purchase at $2.51 per share.
(Cost of $2,510)
2-Dec-11 *2,546 ACFC Purchase at $1.25 - $1.51 per share.
(Cost of about $3,513)
1-Dec-11 *3,500 ACFC Purchase at $1.16 - $1.25 per share.
(Cost of about $4,217)
26-May-11 *300 ACFC Purchase at $7.78 - $7.79 per share.
(Cost of about $2,335)
25-May-11 *700 ACFC Purchase at $7.95 - $8 per share.
(Cost of about $5,582)

* Indicates that some (or all) shares are held indirectly (e.g. in a trust, by a spouse, etc.)

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Insider & restricted shareholder transactions reported over the last two years
Date	Shares	Stock	Transaction
5-Dec-11	*1,000	ACFC	Purchase at $2.51 per share. (Cost of $2,510)
2-Dec-11	*2,546	ACFC	Purchase at $1.25 - $1.51 per share. (Cost of about $3,513)
1-Dec-11	*3,500	ACFC	Purchase at $1.16 - $1.25 per share. (Cost of about $4,217)
26-May-11	*300	ACFC	Purchase at $7.78 - $7.79 per share. (Cost of about $2,335)
25-May-11	*700	ACFC	Purchase at $7.95 - $8 per share. (Cost of about $5,582)