CCF Holding Company Announces Quarterly Cash Dividend.

JONESBORO, Ga. -- 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 $0.09 per share dividend for the current quarter. This cash dividend is an increase of 5.88% over the dividend per share paid in the previous quarter, and the ninth consecutive quarterly cash dividend increase. The record date will be July 2, 2007, and the expected payment date is July 16, 2007.

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 $442 million at March 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.