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Press Release

CCF Holding Company Announces Quarterly Cash Dividend

Company Release - 3/19/2008

JONESBORO, Ga.--(BUSINESS WIRE)--

David B. Turner, President and Chief Executive Officer of CCF Holding Company ("the Company"), Jonesboro, Georgia, the holding company of Heritage Bank (the "Bank"), announced that the Company's Board of Directors has declared a $0.05 per share dividend for the current quarter. The record date will be April 7, 2008, and the expected payment date is April 21, 2008.

CCF Holding Company is the parent company of Heritage Bank; a state chartered commercial bank serving in the southern market of greater Atlanta, Georgia. The Company had total assets of $423 million at December 31, 2007. The Bank has seven full service offices specializing in commercial, real estate, and consumer lending.

The Company's stock is traded on the Nasdaq Capital Market (formerly the Nasdaq SmallCap Market) under the trading symbol of "CCFH." The information contained in this press release should be reviewed in conjunction with the Company's 10-K and 10-Q filings when available on the EDGAR system.

Source: CCF Holding Company

Contact: CCF Holding Company David B. Turner, 770-478-8881 President and Chief Executive Officer
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