U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 10-QSB

(Mark One)
[X]  Quarterly  report under Section 13 or 15(d) of the Securities  Exchange Act
     of 1934

For the quarterly period ended:     March 31, 2000
                                    --------------

[ ]  Transition report under Section 13 or 15(d) of the Exchange Act

For the transition period from               to
                                ------------    ------------

Commission file number: 0-25846

                               CCF HOLDING COMPANY
                           ---------------------------
        (Exact name of Small Business Issuer as Specified in Its Charter)

             Georgia                                        58-2173616
---------------------------------                      -------------------
(State or Other Jurisdiction                           (I.R.S. Employer
of Incorporation or Organization)                      Identification No.)

                              101 North Main Street
                            Jonesboro, Georgia 30236
                    (Address of Principal Executive Offices)

                                 (770) 478-8881
                         -------------------------------
                (Issuer's Telephone Number, Including Area Code)

         Check whether the issuer: (1) filed all reports required to be filed by
Section 13 or 15(d) of the Securities Exchange Act during the past 12 months (or
for such shorter  period that the registrant was required to file such reports),
and (2) has been subject to such filing requirements for the past 90 days.

Yes      X          No
     ----------         ----------

Number of shares  outstanding of each of the issuer's  classes of common equity:
At  April  15,  2000  986,849  shares  of the  registrant's  common  stock  were
outstanding.

              Transitional Small Business Disclosure Format (check one):

Yes                 No     X
     ----------         ----------

<PAGE>
FORM 10-QSB

                                      INDEX

PART I.       FINANCIAL INFORMATION                                         Page

       Item 1.  Financial Statements:

                    Consolidated Balance Sheets as of
                    March 31, 2000 and December 31, 1999......................1

                    Consolidated Statements of Income
                    For the three months ended
                    March 31, 2000 and March 31, 1999.........................2

                    Consolidated Statements of Comprehensive Income
                    For the three months ended
                    March 31, 2000 and March 31, 1999.........................3

                    Consolidated Statements of Cash Flows
                    For the three months ended
                    March 31, 2000 and March 31, 1999.........................4

                    Notes to Consolidated Financial Statements................5

       Item 2.  Management's Discussion and Analysis or Plan of Operation.....8


PART II.        OTHER INFORMATION

       Item 1.  Legal Proceedings............................................10

       Item 2.  Changes in Securities........................................10

       Item 3.  Defaults upon Senior Securities..............................10

       Item 4.  Submission of Matters to a Vote of Security Holders..........10

       Item 5.  Other Information............................................10

       Item 6.  Exhibits and Reports on Form 8-K.............................10

Signatures      .............................................................11


<PAGE>
PART I.    FINANCIAL INFORMATION
--------------------------------

ITEM 1.    FINANCIAL STATEMENTS

                       CCF HOLDING COMPANY AND SUBSIDIARY
                           Consolidated Balance Sheets
                                     Assets
                                     ------
<TABLE>
<CAPTION>
                                                                March 31,      December 31,
                                                                  2000              1999
                                                                  ----              ----
                                                              (Unaudited)        (Audited)

<S>                                                         <C>                  <C>
Cash and due from banks                                      $   6,165,131        5,035,910
Interest-bearing deposit in other financial institutions           176,299          535,920
Federal funds sold                                               3,030,000        5,760,000
                                                             -------------    -------------
       Cash and cash equivalents                                 9,371,430       11,331,830

Investment securities available for sale                        28,411,211       28,503,446
Loans, net                                                     163,745,246      146,553,417
Premises and equipment, net                                      5,897,842        5,825,367
Federal Home Loan Bank Stock, at cost                              880,000          655,200
Accrued interest receivable                                      1,494,130        1,306,698
Cash surrender value of life insurance                           1,355,786        1,337,344
Other assets                                                     1,749,451        1,268,578
                                                             -------------    -------------
                                                             $ 212,905,096      196,781,880
                                                             =============    =============

                      Liabilities and Stockholders' Equity
                      ------------------------------------
Deposits:
       Noninterest-bearing deposits                          $  13,525,460       10,639,993
       Interest-bearing demand deposits                         58,217,804       55,163,460
       Savings accounts                                          7,411,599        7,529,549
       Time deposits less than $100,000                         84,546,279       71,861,450
       Time deposits greater than $100,000                      22,885,805       20,331,766
                                                             -------------    -------------
                      Total deposits                           186,586,947      165,526,218

Securities sold under agreement to repurchase                    1,384,109        3,998,419
Federal Home Loan Bank advances                                  9,500,000       13,100,000
Line of credit                                                   1,400,000          900,000
Other liabilities                                                1,877,290        1,274,901
                                                             -------------    -------------

                      Total liabilities                        200,748,346      184,799,538
                                                             -------------    -------------
Commitments
Stockholders' Equity:
       Preferred stock, no par value; 1,000,000 shares
           authorized; none issued and outstanding                       -                -
       Common stock, $.10 par value, 4,000,000 shares
           authorized; 986,849 issued and 979,134 shares
           outstanding in 2000; 980,855 shares
           outstanding in 1999                                      98,685           98,847
       Additional paid-in capital                                9,095,904        9,102,457
       Retained earnings                                         4,124,811        3,960,640
       Unearned ESOP shares                                       (378,000)        (396,000)
       Unearned compensation                                      (142,436)        (199,190)
       Treasury stock, at cost                                     (76,136)         (75,876)
       Accumulated other comprehensive income (loss)              (566,078)        (508,536)
                                                             -------------    -------------

                      Total stockholders' equity                12,156,750       11,982,342
                                                             -------------    -------------

                                                             $ 212,905,096      196,781,880
                                                             =============    =============
</TABLE>

See accompanying notes to consolidated financial statements.

                                       1
<PAGE>
                       CCF HOLDING COMPANY AND SUBSIDIARY
                        Consolidated Statements of Income
                                   (Unaudited)
<TABLE>
<CAPTION>

                                                                 Three Months Ended
                                                                      March 31,
                                                                      ---------
                                                                  2000         1999
                                                                  ----         ----
<S>                                                           <C>          <C>
Interest and dividend income:
     Interest and fees on loans                                $3,774,998    2,967,620
     Interest bearing deposits in other financial institutions     12,743       33,716
     Interest and dividends on taxable investment securities      471,514      450,123
     Interest on nontaxable investment securities                  11,409            -
                                                               ----------   ----------
                Total interest and dividend income              4,270,664    3,451,459

Interest expense
     Deposit accounts                                           1,937,468    1,766,702
     Other borrowings                                             238,776       10,777
                                                               ----------   ----------
                Total interest expense                          2,176,244    1,777,479

                Net interest income                             2,094,420    1,673,980

Provision for loan losses                                         140,000      120,700
                                                               ----------   ----------
                Net interest income after provision
                  for loan losses                               1,954,420    1,553,280

Other income:
     Service charges on deposit accounts                          136,527      120,192
     Gain on sale of loans                                          3,060       53,861
     Gain on sale of fixed assets                                       -       58,359
     Other                                                         60,369       15,512
                                                               ----------   ----------
                Total other income                                199,956      247,924

Other expenses:
     Salaries and employee benefits                             1,023,460      835,043
     Occupancy                                                    354,757      271,377
     Loss on sale of investment securities                         13,026            -
     Other                                                        381,824      334,600
                                                               ----------   ----------
                Total other expenses                            1,773,067    1,441,020

Income before income taxes                                        381,309      360,184
                                                               ----------   ----------

Income tax expense                                                141,980      127,500

                Net income                                     $  239,329      232,684
                                                               ==========   ==========

Basic income per share                                         $      .26          .27

Diluted income per share                                       $      .25          .26

Weighted average shares outstanding - basic                       933,004      856,406

Weighted average shares outstanding - diluted                     959,578      902,136

Dividends declared per common share                                   .08          .08
</TABLE>

See accompanying notes to consolidated financial statements.

                                       2
<PAGE>
                               CCF HOLDING COMPANY
                 Consolidated Statement of Comprehensive Income
                                   (Unaudited)
<TABLE>
<CAPTION>

                                                                         Three Months Ended
                                                                              March 31,
                                                                              ---------
                                                                          2000         1999
                                                                          ----         ----
<S>                                                                 <C>            <C>
Net Earnings                                                          $ 239,329      232,684

Other comprehensive income, net of tax:
     Unrealized losses on investment securities available for sale:
           Holding losses arising during the period,
           net of taxes                                                 (65,623)     (84,297)

     Less:  Reclassification adjustment for gain included in
           Earnings, net of taxes                                        (8,081)
                                                                      ---------    ---------

Other comprehensive income (loss)                                       (57,542)     (84,297)
                                                                      ---------    ---------

Comprehensive income                                                  $ 181,787      148,387
                                                                      =========    =========

</TABLE>


                                       3
<PAGE>
                       CCF HOLDING COMPANY AND SUBSIDIARY
                      Consolidated Statements of Cash Flows
                                   (Unaudited)
<TABLE>
<CAPTION>
                                                                                       Three Months Ended
                                                                                            March 31,
                                                                                            ---------
                                                                                      2000              1999
                                                                                      ----              ----
<S>                                                                             <C>               <C>
Cash flows from operating activities:
     Net income                                                                      239,329           232,684
     Adjustments to reconcile net income to net cash
       provided by operating activities:
         Provision for loan losses                                                   140,000           120,700
         Depreciation, amortization, and accretion, net                              132,477           123,138
         Compensation expense related to MSBP                                         22,750            18,819
         ESOP shares allocated                                                        28,042            33,949
         Net loss on sale of investment securities                                    13,026                -
         Net gain on sale of loans                                                    (3,060)          (53,861)
         Net gain on sale of fixed assets                                                 -            (58,359)
         Decrease (increase) in accrued interest and dividends receivable           (187,432)           28,692
         Increase in other assets                                                   (361,007)         (296,398)
         Increase in other liabilities                                               563,537           237,046
                                                                               --------------    --------------
              Net cash (used in) provided by operating activities                    587,662           389,410
                                                                               --------------    --------------

Cash flows from investing activities:
     Proceeds from maturing investment securities- available for sale                      -        12,250,000
     Purchases of investment securities-available for sale                        (2,000,306)      (11,532,598)
     Proceeds from sales of investments securities-available for sale              2,000,000                 -
     Principal repayments of mortgage-backed securities-
         available for sale                                                             (990)           10,718
     Purchases of FHLB stock                                                        (224,800)                -
     Loan originations, net                                                      (20,533,066)       (9,666,738)
     Proceeds from sale of loans                                                   3,204,297         5,504,495
     Proceeds from sale of premises and equipment                                          -           132,722
     Purchases of premises and equipment                                            (207,976)          (13,336)
                                                                               --------------    --------------
              Net cash used in investing activities                              (17,762,841)       (3,314,737)
                                                                               --------------    --------------
Cash flows from financing activities:
     Net increase in savings and demand deposit accounts                           5,950,714        10,257,688
     Net (decrease) increase in certificates of deposits                          15,110,015        (1,709,155)
     Net decrease in securities sold under agreements to repurchase               (2,614,310)         (234,049)
     Decrease in Federal Home Loan Bank advances                                  (3,100,000)               -
     Net increase in advance payments by borrowers for
         property taxes and insurance                                                 38,264            50,643
     Dividends paid                                                                 (147,269)         (135,541)
     Cash paid in lieu of fractional shares                                              (34)             (835)
     Common stock repurchased                                                        (22,601)          (30,672)
                                                                               --------------    --------------
         Net cash provided by financing activities                                15,214,779         8,198,079
                                                                               --------------    --------------
         (Decrease) increase in cash and cash equivalents                         (1,960,400)        5,272,752

     Cash and cash equivalents at beginning of period                             11,331,830        10,352,522
                                                                               --------------    --------------
     Cash and cash equivalents at end of period                                    9,371,430        15,625,274
                                                                               --------------    --------------
     Supplemental disclosure of cash flow information:

         Interest paid                                                             2,093,990         1,777,479
                                                                               --------------    --------------
         Income taxes paid                                                           104,000           342,000
                                                                               --------------    --------------
</TABLE>

See accompanying notes to consolidated financial statements.

                                       4
<PAGE>

                       CCF HOLDING COMPANY AND SUBSIDIARY
                   Notes to Consolidated Financial Statements
                                   (Unaudited)

1.   Basis of Presentation
     ---------------------

The  consolidated  financial  statements for the three month periods ended March
31, 2000 and 1999 are unaudited and reflect all adjustments  (consisting only of
normal  recurring  accruals) which are, in the opinion of management,  necessary
for a fair presentation of the financial position,  operating results,  and cash
flows for the interim periods.  Accordingly, they do not include all information
and  disclosures  required  by  generally  accepted  accounting  principles  for
complete financial statements.

The results of operations  for the  three-month  period ended March 31, 2000 are
not  necessarily  indicative of the results for the entire year ending  December
31, 2000.

2.   Accounting Policies
     -------------------

Reference  is made to the  accounting  policies of the Company  described in the
notes to the consolidated financial statements contained in the Company's Annual
Report on Form 10-KSB for the fiscal year ended December 31, 1999 filed with the
Securities and Exchange Commission.

3.   Reclassification
     ----------------

Certain amounts in the prior period financial  statements have been reclassified
to conform to the presentation used in the current period consolidated financial
statements.

4.   Cash Dividend
     -------------

On March 15,  2000,  the Company  declared a cash  dividend of $.08 per share to
stockholders  of record on April 3, 2000.  These dividends were payable on April
20, 2000.

5.   Stock Dividend
     --------------

On March 16,  1999,  the  Company  declared  a 10% stock  dividend  per share to
stockholders  of record on April 1, 1999. This dividend was payable on April 15,
1999.  Cash was paid in lieu of  fractional  shares  at the rate of  $14.25  per
share.

6.   Earnings per share
     ------------------

Basic EPS  excludes  dilution and is computed by dividing net income by weighted
average shares  outstanding  which includes  Management  Stock Bonus Plan shares
which have been awarded  whether  vested or not and exclude  unallocated  shares
under the Company's employee stock ownership plan until they are committed to be
released  for  allocation.  Diluted EPS is  computed  by dividing  net income by
weighted  average shares  outstanding plus potential common stock resulting from
diluted stock options.


                                       5
<PAGE>

6.       Earnings per share (cont'd)
         ---------------------------

All average share and per share data in the accompanying  consolidated financial
statements  and all share and per share data have been  restated  to reflect the
10% stock dividend  declared on March 16, 1999,  which was effected on April 15,
1999.

The following is a reconciliation of the amounts used in the computation of both
"basic earnings per share" and "diluted earnings per share".


                    For the three months ended March 31, 2000
<TABLE>
<CAPTION>
                                                               Net                   Common             Per Share
                                                             Earnings                Shares              Amount
                                                        --------------        --------------        --------------
<S>                                                         <C>                    <C>                     <C>
Basic earnings per share                                     $239,329               933,003                 $0.26

Effect of dilutive common stock issuances:
     Stock options                                                                   26,575                  (.01)
                                                        --------------        --------------        --------------
Diluted earnings per share                                   $239,329               959,578                 $0.25
                                                        ==============        ==============        ==============
</TABLE>



                    For the three months ended March 31, 1999
<TABLE>
<CAPTION>
                                                               Net                   Common              Per Share
                                                             Earnings                Shares               Amount
                                                        --------------        --------------        --------------
<S>                                                      <C>                    <C>                       <C>
Basic earnings per share                                 $232,684                 856,406                   $0.27

Effect of dilutive common stock issuances:
     Stock options                                                                 45,729                    (.01)
                                                    --------------        ----------------           -------------
Diluted earnings per share                               $232,684                 902,135                   $0.26
                                                    ==============        ================           =============
</TABLE>


                                       6
<PAGE>
ITEM 2.   MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION

CCF Holding  Company (the  "Company") may from time to time make written or oral
"forward-looking  statements",  including  statements contained in the Company's
filings with the Securities and Exchange  Commission  (including  this report on
Form 10QSB),  in its reports to stockholders and in other  communications by the
Company,  which  are made in good  faith by the  Company  pursuant  to the "safe
harbor" provisions of the Private Securities Litigation Reform Act of 1995.

These  forward  looking  statements  involve  risks and  uncertainties,  such as
statements  of the  Company's  plans,  objectives,  expectations,  estimates and
intentions,  that are subject to change based on various important factors (some
of which are beyond the Company's control). The following factors, among others,
could cause the Company's  financial  performance to differ  materially from the
plans, objectives,  expectations,  estimates and intentions expressed in forward
looking statements: the strength of the United States economy in general and the
strength of the local economies in which the Company  conducts  operations;  the
effects  of, and changes  in,  trade,  monetary  and fiscal  policies  and laws,
including  interest  rate  policies  of the Board of  Governors  of the  Federal
Reserve System,  inflation,  interest rate and market and monetary fluctuations;
the timely  development  of and  acceptance  of new products and services of the
Company and the perceived overall value of these products and services by users,
including the features,  pricing and quality  compared to competitors'  products
and services;  the willingness of users to substitute  competitors' products and
services for the Company's products and services;  the success of the Company in
gaining  regulatory  approval of its products and services,  when required;  the
impact of changes in financial  services' laws and  regulations  (including laws
concerning taxes,  banking,  securities and insurance);  technological  changes,
acquisitions;  changes in consumers  spending and saving habits; and the success
of the Company at managing the risks involved in the foregoing.

The Company cautions that these important factors are not exclusive. The Company
does not undertake to update any forward-looking  statement,  whether written or
oral, that may be made from time to time by or on behalf of the Company.

Comparison of Financial Condition at March 31, 2000 and December 31, 1999

Assets - The  Company's  assets  increased by 8.2%,  or $16.1  million,  between
December 31, 1999 and March 31, 2000. Net loans  receivable  increased  11.7% to
$163.7  million at March 31,  2000,  up $17.2  million  from  $146.6  million at
December 31, 1999. The Company's loan growth includes approximately $7.4 million
in  commercial  real  estate  loans and $7.2  million in 1-4 family  residential
construction loans.

Liabilities - Total  deposits  during the three months ended March 31, 2000 grew
to $186.6 million,  an increase of $21.1 million from $165.5 million at December
31, 1999.  Deposit  growth in transaction  accounts  amounted to $5.9 million or
9.0%, of this,  $2.9 million was an increase in non-interest  bearing  accounts.
The Bank  continues  to  stress  transaction  account  growth  in its  marketing
strategy.  Certificates of deposit increased during the three-month  period from
$92.1  million to $107.4  million,  an increase of 16.5% or $15.2  million.  The
Company  drew an  additional  $500,000  on a line of credit of  $2,500,000.  The
current outstanding balance on this line of credit is $1.4 million. The interest
rate  charged on this line of credit is prime minus .50%.  These funds were down
streamed to the Bank as a capital


                                       7
<PAGE>

Liabilities  (cont'd) -  infusion.  The Bank  decreased  its  borrowings  at the
Federal  Home Loan Bank of Atlanta by $3.6 million  during the first  quarter of
2000 as Y2K borrowings were repaid.

Stockholders'  Equity - Stockholders'  equity increased  $174,000 or 1.46%, from
December  31,  1999 to March  31,  2000.  This  increase  was the  result of the
Company's net income,  Employee  stock  ownership plan  allocations,  management
stock bonus plan expense, partially offset by the change in unrealized losses on
securities  available for sale.  The Company also declared a quarterly  dividend
totaling  $74,000,  which partially offset the increase in stockholders  equity.
The ratio of  stockholders'  equity as a percentage  of total assets was 5.7% at
March 31, 2000.  At December  31, 1999 the ratio was 6.1%.  Book value per share
increased from $12.21 at December 31, 1999 to $12.41 at March 31, 2000.

Comparison  of  Operating  Results for the Three Months Ended March 31, 2000 and
March 31, 1999.

Net Income - The  Company's  net income of $239,329  for the three month  period
ending  March 31, 2000  increased  by $6,645 from  $232,684  over the same three
month period in 1999.  The change in net income was primarily due to an increase
of net interest  income,  generated  through loan  growth,  partially  offset by
increases in interest expense. Included in the first quarter of 1999 were pretax
gains totaling $112,000 related to the sale of fixed assets.  There were no such
sales in the first quarter of 2000.

Net Interest Income - Net interest income for the three-month period ended March
31, 2000  increased  $420,000 or 25.1% from $1.7 million in 1999 to $2.1 million
for the same  period in 2000.  The  increase  in the  average  balance  of loans
receivable of $37.2 million during the twelve-month period since March 31, 1999,
resulted in an approximate  increase of $800,000 or 27% in interest  income from
loans for the first  quarter of 2000.  Interest  income  from loans at March 31,
2000 was $3.8 million from $3.0 million during the quarter ended March 31, 1999.
Interest expense  increased  $400,000 to $2.2 million for the three month period
ended  March 31,  2000  from  $1.8  million  for the same  period in 1999.  This
increase is primarily the result of the increased  balances in  certificates  of
deposits during the three months ended March 31, 2000.

Provision for Loan Losses - The Bank's  provision for loan losses  increased for
the three month period ended March 31, 2000 compared to the same period in 1999,
increasing  to  $140,000  from  $120,700.  At March 31, 2000 the  allowance  for
non-mortgage   loan  losses  to  the  non-mortgage  loan  portfolio  was  0.95%.
Management periodically evaluates the adequacy of the allowance for loan losses,
including  an  evaluation  of  past  loan  loss  experience,   current  economic
conditions, volume, growth and collateral of the loan portfolio. Management also
reviews  classified   assets,   including  those  loans  and  assets  listed  as
non-performing.  Currently,  management  believes  that its  allowance  for loan
losses is adequate.  However,  there can be no assurances that further additions
will not be needed. Management will continue to monitor and adjust the allowance
as  necessary  in future  periods  based on growth in the loan  portfolio,  loss
experience which has been minimal,  and the continued  expected  changing mix of
loans in the loan portfolio. Loans internally classified as

                                       8
<PAGE>

Provision for Loan Losses (cont'd) - substandard for the period ending March 31,
2000 totaled  $740,000 and for the period ending  December 31, 1999  substandard
loans totaled  $750,000.  Loans  classified as doubtful totaled $261,000 for the
period  ending March 31, 2000 and at December 31, 1999  doubtful  loans  totaled
$255,000.  Non-accrual loans  increased  from  $290,000 at December  31, 1999 to
$368,000 at March 31, 2000.  Charge offs during the period ending March 31, 2000
totaled $25,000, representing 0.01% of loans outstanding.

Other Income - Service charges on deposit  accounts  increased 14% from $120,000
at March 31, 1999 to $136,500 for the same  three-month  period ending March 31,
2000. This increase is attributed to the rising number of transaction  accounts.
Other income for the  three-month  period  ending March 31, 1999  includes a net
gain on the sale of loans of $54,000  and a net gain on sale of fixed  assets of
$58,000. During the first quarter of 2000, there was a net gain on sale of loans
of $3,000.  Other miscellaneous fee income increased from $15,000 in the quarter
ending March 31, 1999 to $60,000 for the quarter  ending  March 31,  2000.  This
increase is also due to the increasing number of transaction accounts.

Other Expenses - Other expenses for the three-month  period ended March 31, 2000
increased  23.0% from $1.4  million for the  three-month  period ended March 31,
2000 to $1.8  million  for the same period in 2000,  an  increase  of  $332,000.
Salaries and  employee  benefits  increased to $1.0 million for the  three-month
period  ended March 31, 2000  compared to $835,000  during the same  three-month
period in 1999, an increase of $165,000. Occupancy expenses increased by $83,000
for the  three-month  period ending March 31, 2000 which included an increase of
$37,000 for  processing  the growing  number of  transaction  accounts  from the
period  ending March 31, 1999 to the same  three-month  period  ending March 31,
2000.

Liquidity - The Bank's short term  liquidity  was 12.29% on March 31, 2000.  The
Bank is required to maintain  minimum  levels of liquid assets as defined by the
State of Georgia  and the FDIC  regulations.  The Bank  continues  to search for
deposits  and other  means of meeting  its loan  demand.  The Bank  adjusts  its
liquidity  level as  appropriate  to meet its  asset/liability  objectives.  The
primary sources of funds are deposits, amortization and prepayments of loans and
mortgage-backed  securities,  maturity of  investments,  and funds provided from
operations.  As an alternative to supplement  liquidity  needs, the Bank has the
ability  to  borrow  from the  Federal  Home  Loan  Bank of  Atlanta  and  other
correspondent  banks. These commitments  totaled $18.5 million at March 31, 2000
with $9.5 million drawn at that time.  Scheduled loan  amortization and maturing
investment  securities are a relatively  predictable  source of funds,  however,
deposit flow and loan prepayments are greatly influenced by, among other things,
market  interest  rates,  economic  conditions,  and  competition.   The  Bank's
liquidity,  represented by cash, cash equivalents,  and securities available for
sale, is a product of its operating, investing, and financing activities.




                                       9
<PAGE>


PART II.  OTHER INFORMATION

Item 1.  Legal Proceedings.
         NONE

Item 2.  Changes in Securities and Use of Proceeds.
         NONE

Item 3.  Defaults upon Senior Securities.
         NONE

Item 4.  Submission of Matters to a Vote of Security Holders.
         NONE

Item 5.  Other Information
         NONE

Item 6.  Exhibits and Reports on Form 8-K
         (a)   None.
         (b)   None.


                                       10

<PAGE>


CCF HOLDING COMPANY AND SUBSIDIARY


         SIGNATURES


     In accordance  with the  requirements  of the Exchange Act, the  registrant
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.



                                            CCF HOLDING COMPANY


     Date:  May 12, 2000                    BY:\s\ David B. Turner
                                                --------------------------------
                                                   David B. Turner
                                                   President and
                                                   Chief Executive Officer


     Date:  May 12, 2000                     BY:\s\ Mary Jo Rogers
                                                --------------------------------
                                                    Mary Jo Rogers
                                                    Sr. Vice President and