0001188112-04-000401 Sample Contracts

EXHIBIT 99.2
Engagement Agreement • March 25th, 2004 • Atlantic Coast Federal Corp

This letter sets forth the agreement between Atlantic Coast Federal, Waycross, Georgia (the "Association"), and RP Financial, LC. ("RP Financial"), whereby the Association has engaged RP Financial to prepare the regulatory business plan and financial projections to be adopted by the Association's Board of Directors in conjunction with the concurrent reorganization and minority stock offering. These services are described in greater detail below.

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EXHIBIT 10.3
Supplemental Retirement Agreement • March 25th, 2004 • Atlantic Coast Federal Corp • Georgia
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EXHIBIT 99.1
Appraisal Services Agreement • March 25th, 2004 • Atlantic Coast Federal Corp
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EXHIBIT 10.2
Employment Agreement • March 25th, 2004 • Atlantic Coast Federal Corp • Coast
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