UNITED STATES

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): ~~March~~May 2110, 2018

AC Financial Horizontal 288

(Exact name of registrant as specified in its charter)

Maryland	001-35072	65-1310069
(State or Other Jurisdiction	(Commission	(I.R.S. Employer
of Incorporation)	File Number)	Identification No.)

Maryland

(State or Other Jurisdiction

of Incorporation)

001-35072

(Commission

File Number)

65-1310069

(I.R.S. Employer

Identification No.)

4655 Salisbury Road, Suite 110, Jacksonville, FL 32256 ~~(Address of principal executive offices)~~

(Address of principal executive offices)

Registrant's telephone number, including area code: (800) 342-2824

No Change ~~(Former name or former address, if changed since last report)~~

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1933 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

ITEM 52.0702. ~~SUBMISSION~~RESULTS OF ~~MATTERS~~OPERATIONS TOAND ~~A VOTE~~FINANCIAL ~~OF SECURITY HOLDERS~~CONDITION.

On ~~March~~May 2110, 2018, ~~the~~ Atlantic Coast Financial Corporation ~~(Atlantic)~~issued ~~held~~ a ~~Special~~press ~~Meeting~~release ofannouncing ~~Stockholders~~its (financial results for the ~~Special~~three ~~Meeting)~~month ~~and~~period onended March 2231, 2018~~, issued a press release announcing the final results of the Special Meeting~~. The full text of the press release is ~~filed~~furnished herewith as Exhibit 99.1 ~~hereto~~ and is incorporated herein by reference. At the Special Meeting, stockholders considered a proposal to approve the Agreement and Plan of Merger, dated November 16, 2017 (the Merger Agreement), between Atlantic and Ameris Bancorp (Ameris), pursuant to which Atlantic will merge with and into Ameris with Ameris as the surviving company subject to the terms and conditions contained in the Merger Agreement. Additionally, stockholders considered a proposal to approve, on a non-binding advisory basis, the compensation that certain executive officers of Atlantic will receive under existing agreements with Atlantic in connection with the merger and a proposal to approve one or more adjournments or postponements of the Special Meeting, if necessary or appropriate, to permit further solicitation of proxies if there are not sufficient votes at the time of the Special Meeting to approve the merger proposal. For more information about the proposals, please refer to the Proxy Statement filed February 20, 2018.

AThe ~~breakdown~~information in this Current Report on Form 8-K that is furnished under this Item 2.02, including the accompanying Exhibit 99.1, shall not be deemed filed for purposes of Section 18 of the ~~final~~Securities ~~voting~~Exchange ~~results~~Act of 1934, as amended (the Exchange Act), or otherwise subject to the liabilities of isthat section, nor shall it be deemed incorporated by reference in any filing under the Exchange Act or the Securities Act of 1933, as amended, whether made before or after the date hereof, except as shall be expressly set forth ~~below~~by specific reference in such filing.

1. Proposal to approve the Merger Agreement:

For				Against				Abstain
	12,146,091				29,613				16,439

2. Proposal to approve, on a non-binding advisory basis, the compensation that certain executive officers will receive in connection with the merger:

For				Against				Abstain
	10,883,790				1,287,885				20,468

3. Proposal to approve one or more adjournments or postponements of the Special Meeting, if necessary or appropriate:

For				Against				Abstain
	11,806,291				366,689				19,163

The final voting results above were consistent with the recommendations of the Company’s Board of Directors in the Proxy Statement filed February 20, 2018.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

(d)

Exhibits

99.1 Press release dated ~~March~~May 2210, 2018 (furnished pursuant to Item 2.02)

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 hereunto duly authorized.

	ATLANTIC COAST FINANCIAL CORPORATION	~~ATLANTIC COAST FINANCIAL CORPORATION~~
Date: March 22, 2018		By:	/s/ Tracy L. Keegan
Date: May 10, 2018	By:	/s/ Tracy L. Keegan
		Name:	~~Name:~~Tracy L. Keegan	~~Tracy L. Keegan~~
		Title:	~~Title:~~Executive Vice President and	~~Executive Vice President and~~
			Chief Financial Officer	~~Chief Financial Officer~~

EXHIBIT INDEX

Exhibit
Number	Description	~~Description~~
99.1	Press release dated May 10, 2018 (furnished pursuant to Item 2.02)	~~Press release dated March 22, 2018~~

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