SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)
June 11, 1998
CCF HOLDING COMPANY
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(Exact name of Registrant as specified in its Charter)
Georgia 0-25846 58-2173616
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(State or other jurisdiction (SEC File No.) (IRS Employer
of incorporation) Identification
Number)
101 North Main Street, Jonesboro, Georgia 30236
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (770) 478-8881
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Not Applicable
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(Former name or former address, if changed since last Report)
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CCF HOLDING COMPANY
INFORMATION TO BE INCLUDED IN REPORT
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Item 4. Changes in Registrant's Certifying Accountant
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On June 11, 1998, the board of directors of the registrant determined
to engage Porter Keadle Moore, LLP as its independent auditors for the fiscal
year ended December 31, 1998. On June 15, 1998, the registrant notified KPMG
Peat Marwick LLP ("KPMG"), its independent auditors for the fiscal years ended
December 31, 1997 and September 30, 1996 and the three-month period ended
December 31, 1996, of this determination and that KPMG would not be engaged for
the fiscal year ending December 31, 1998. On May 7, 1998, the registrant had
orally advised KPMG that the audit committee of the board of directors of the
registrant would likely consider this matter during a meeting on June 11, 1998
and would thereafter report on this matter to the board of directors. The
determination to replace KPMG was approved by the full board of directors of the
registrant.
The reports of KPMG for the fiscal years ended December 31, 1997 and
September 30, 1996 and the three-month period ended December 31, 1996 contained
no adverse opinion or disclaimer of opinion and were not qualified or modified
as to uncertainty, audit scope or accounting principles. During the fiscal years
ended December 31, 1997 and September 30, 1996 and the three-month period ended
December 31, 1996 and during the period from January 1, 1998 to June 15, 1998,
there were no disagreements between the registrant and KPMG concerning
accounting principles or practices, financial statement disclosure, or auditing
scope or procedures, which disagreements if not resolved to their satisfaction
would have caused them to make reference in connection with their opinion to the
subject matter of the disagreement. On December 10, 1996, the registrant changed
its fiscal year end from September 30th to December 31st.
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits
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(c) Exhibits:
Exhibit No. 16 - Letter regarding change in certifying accountant
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.
CCF HOLDING COMPANY
Date: June 18, 1998 By: /s/ David B. Turner
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David B. Turner
President
EXHIBIT 16
LETTER REGARDING CHANGE IN CERTIFYING ACCOUNTANT
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KPMG Peat Marwick LLP Telephone 404-222-3000 Telefax 404-222-3050
303 Peachtree Street, N.E.
Suite 2000
Atlanta, GA 30308
June 18, 1998
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Ladies and Gentlemen:
We were previously principal accountants for CCF Holding Company and, under the
date of February 6, 1998, we reported on the consolidated financial statements
of CCF Holding Company and subsidiary as of and for the years ended December 31,
1997 and September 30, 1996, and for the three-month period ended December 31,
1996. On June 15, 1998, our appointment as principal accountants was terminated.
We have read CCF Holding Company's statements included under Item 4 of its Form
8-K dated June 11, 1998, and we agree with such statements, except that we are
not in a position to agree or disagree with CCF Holding Company's statement that
the determination to replace us as principal accountants was approved by the
full board of directors.
Very truly yours,
/s/ KPMG Peat Marwick LLP
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