<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>6
<FILENAME>g81143exv21w1.txt
<DESCRIPTION>EX-21.1 SUBSIDIARIES OF THE REGISTRANT
<TEXT>
<PAGE>
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                                                                   EXHIBIT 21.1

Subsidiaries of the Registrant

<TABLE>
<CAPTION>
SUBSIDIARY                                       STATE OF FORMATION

<S>                                                  <C>
American Safety Insurance Company                    Georgia
American Southern Insurance Company                  Kansas
Association Casualty Insurance Company               Texas
Association Risk Management General Agency           Texas
Bankers Fidelity Life Insurance Company              Georgia
Georgia Casualty & Surety Company                    Georgia
Self-Insurance Administrators, Inc.                  Georgia
Atlantic American Statutory Trust I                  Connecticut
</TABLE>

</TEXT>
</DOCUMENT>