UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 7)*
CCF Holding Company
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(Name of Issuer)
Common Stock
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(Title of Class of Securities)
12487X104
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(CUSIP Number)
December 31, 2002
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(Date of Event Which Requires Filing of this Statement)
This Schedule is filed pursuant to Rule 13d-1(b).
*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
[Continued on the following pages]
Page 1 of 4 Pages
Page 2 of 4 Pages CUSIP #: 12487X104
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1. Name of Reporting Person:
(I.R.S. Identification No. of above person):
First Financial Fund, Inc.
13-3341573
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2. Check the appropriate box if a member of a group:
(a) ( )
(b) ( )
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3. SEC use only:
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4. Citizenship or Place of Organization:
Maryland
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5. Sole Voting Power
213,807
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Number of shares 6. Shared Voting Power
beneficially owned by 0
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7. Sole Dispositive Power
each Reporting Person with
0
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8. Shared Dispositive Power
213,807
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9. Aggregate amount beneficially owned by each reporting person:
213,807
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10. Check if the aggregate amount in row (9) excludes certain shares:
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11. Percent of class represented by amount in row (9):
14.57%
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12. Type of Reporting Person:
IV
Page 3 of 4 Pages CUSIP #: 12487X104
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SCHEDULE 13G
Item 1(a): Name of Issuer:
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CCF Holding Company
Item 1(b): Address of Issuer's Principal Executive Offices:
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101 North Main Street
Jonesboro, Georgia 30236
Item 2(a): Name of Person Filing:
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First Financial Fund, Inc.
Item 2(b): Address of Principal Business Office:
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Gateway Center Three
100 Mulberry Street, 9th Floor
Newark, New Jersey 07102-7503
Item 2(c): Citizenship:
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Maryland
Item 2(d): Title of Class of Securities:
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Common Stock
Item 2(e): CUSIP Number:
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320228109
Item 3: Type of Person Filing Pursuant to ss.ss.240.13d-1(b) or 240.13d-2(b) or
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(c):
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An investment company registered under section 8 of the
Investment Company Act of 1940 (15 U.S.C 80a-8)
Item 4: Ownership:
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(a) AMOUNT BENEFICIALLY OWNED: First Financial Fund, Inc., a
registered closed-end investment company, may be deemed
the beneficial owner of 213,807 shares of common stock of
the Issuer.
(b) PERCENT OF CLASS: 14.57%
(c) VOTING AND DISPOSITIVE POWER: First Financial Fund, Inc.
has sole power to vote or to direct the vote and shared
power to dispose or to direct the disposition of 213,807
shares of common stock of the Issuer. First Financial
Fund, Inc. has shared power to vote or to direct the vote
and sole power to dispose or to direct the disposition of
0 shares of common stock of the Issuer.
Page 4 of 4 Pages CUSIP #: 12487X104
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SCHEDULE 13G
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Item 5: Ownership of Five Percent or Less of a Class:
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Not Applicable
Item 6: Ownership of More than Five Percent on Behalf of Another Person:
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Not Applicable
Item 7: Identification and Classification of the Subsidiary which Acquired the
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Security Being Reported on by the Parent Holding Company:
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Not Applicable
Item 8: Identification and Classification of Members of the Group:
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Not Applicable
Item 9: Notice of Dissolution of Group:
----------------------------------------
Not Applicable
Item 10: Certification:
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By signing below I certify that, to the best of my
knowledge and belief, the securities referred to above were
acquired and are held in the ordinary course of business and
were not acquired and are not held for the purpose of or with
the effect of changing or influencing the control of the issuer
of the securities and were not acquired and are not held in
connection with or as a participant in any transaction having
that purpose or effect.
Signature:
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After reasonable inquiry and to the best of my knowledge
and belief, I certify that the information set forth in this
statement is true, complete, and correct.
Date: February 11, 2003
Signature: /s/ Arthur J. Brown
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Name/Title: Arthur J. Brown
Secretary