On October 28, 2009, Advance America, Cash Advance Centers, Inc. (the “Company”) entered into an Indemnification Agreement (the “Agreement”) with Tony Colletti, one of its directors.  The Agreement provides that the Company will indemnify the covered director to the fullest extent permitted by law.  The Agreement is in substantially the same form as the indemnification agreements previously entered into with the Company’s other directors and officers, the form of which was previously filed with the Securities and Exchange Commission as an exhibit to the Company’s Registration Statement on Form S-1 (file no. 333-118227) and is incorporated herein by reference.  The form of Indemnification Agreement should be reviewed for the complete set of terms and conditions relating thereto.

Also, on October 28, 2009, the Nominating and Corporate Governance Committee of the Board of Directors (the “Board”) recommended, and the Board approved, effective as of January 1, 2010, an increase in annual fees for chairpersons of the Company’s standing committees to $10,000 for the Audit Committee chairperson, $7,500 for the Compensation Committee chairperson, and $4,000 for the Nominating and Corporate Governance Committee chairperson.  These amounts are in addition to the annual fees for non-executive directors and meeting fees.

Item 2.02. Results of Operations and Financial Condition.

On October 28, 2009, the Company issued a press release announcing its earnings for the fiscal quarter ended September 30, 2009.  The earnings release is attached hereto as Exhibit 99.1 to this current report.  This information shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, except as expressly set forth by specific reference in such filing.

Item 8.01.  Other Events.

On October 28, 2009, the Company announced that the Board declared a regular quarterly cash dividend of $0.0625 per share payable on December 4, 2009 to stockholders of record as of November 24, 2009.

Item 9.01.  Financial Statements and Exhibits.

(d)           Exhibits