Atlantic Coast Federal Corp.

Mr. Buddenbohm joined Atlantic Coast Bank as Senior Vice President of Credit Administration in March 2005. Formerly a First Vice President in the Consumer Services Division of National Commerce Financial Corporation in Memphis, he has 10 years of experience in lending, credit administration and branch services.

Mr. Insel was named became head of commercial lending for Atlantic Coast Bank in August 2007, after serving as the Market President for Florida since December 2006. He joined Atlantic Coast Bank in October 2004 as Executive Vice President. Previously, he was Senior Vice President of Retail Banking at National Bank of Commerce in Atlanta and, before that, Senior Vice President of Retail Banking for National Bank of Commerce in the Knoxville, Tennessee, area.

Mr. Martin is a retired employee of CSX Transportation, Inc., Waycross, Georgia, where he worked as a machinist for over 20 years.

Mr. Sweat is a partner in the law firm of Walker & Sweat, Waycross, Georgia. He has practiced law since 1982.

Mr. Franklin has been a partner in the law firm of Rogers Towers, P.A., Jacksonville, Florida since January 2004. From 1997 to 2004, he was a partner in the law firm of Holland & Knight, Jacksonville, Florida. Mr. Franklin specializes in complex commercial litigation.

From 1964 to 2006, Mr. Woods was employed by CSX Transportation, Inc., Waycross, Georgia, most recently as the business manager of the company's warehouse in Waycross. He is now retired.

Mr. Hubacher has served as Treasurer of Atlantic Coast Bank since 1988. He is a lieutenant colonel in the United States Air Force Reserve.

Mr. Smith, a CPA, has served as a mortgage banking executive with PHH Mortgage in Jacksonville, Florida, since January 2001 except for the period from April 2002 to July 2003, during which he was employed by Basis 100, a technology company which served the mortgage banking industry. Prior to his employment with PHH Mortgage (then known as Cendant Mortgage) in 2001, he was employed by Merrill Lynch Credit Corporation, Jacksonville, Florida, for over 10 years and, before that, was a Senior Manager for Deloitte and Touche LLP, where he was recognized as a National Industry Specialist in savings and loan and real estate industries.

Mr. Beeckler is the owner, president and chief executive officer of the Beeckler Company, Jacksonville, Florida, a real estate development firm. Mr. Beeckler founded the company in 1990.

Mr. Palmer is employed by the Mayo Clinic, Jacksonville, Florida, where he has served as a director of patient financial services for the past two years. Prior to serving as a director, Mr. Palmer served as a section manager of accounts receivable at the Mayo Clinic for four years.