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<SEC-DOCUMENT>0001157523-11-000286.txt : 20110121
<SEC-HEADER>0001157523-11-000286.hdr.sgml : 20110121
<ACCEPTANCE-DATETIME>20110121122307
ACCESSION NUMBER:		0001157523-11-000286
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20110121
ITEM INFORMATION:		Termination of a Material Definitive Agreement
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20110121
DATE AS OF CHANGE:		20110121

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CORNERSTONE BANCSHARES INC
		CENTRAL INDEX KEY:			0001038773
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				621175427
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30497
		FILM NUMBER:		11540697

	BUSINESS ADDRESS:	
		STREET 1:		4154 RINGGOLD RD
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37412-416
		BUSINESS PHONE:		4236982454

	MAIL ADDRESS:	
		STREET 1:		4154 RINGGOLD RD
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37412-0416

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EAST RIDGE BANCSHARES INC
		DATE OF NAME CHANGE:	19970507
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a6581405.htm
<DESCRIPTION>CORNERSTONE BANCSHARES, INC. 8-K
<TEXT>
<html>
  <head>
    <title></title>
<!--Copyright 2011 Business Wire, a Berkshire Hathaway company.-->
<!--All rights reserved www.businesswire.com-->
  </head>
  <body style="font-size: 10pt; font-family: Times New Roman">
    <p style="text-align: center">
      <font style="font-family: Times New Roman; font-size: 10pt">UNITED STATES</font><font style="font-family: Times New Roman; font-size: 10pt"><br style="font-size: 10pt; font-family: Times New Roman"></font><font style="font-family: Times New Roman; font-size: 10pt">SECURITIES
      AND EXCHANGE COMMISSION</font><br><font style="font-family: Times New Roman; font-size: 10pt">Washington,
      D.C. 20549</font><br><img src="logo.jpg" alt="GRAPHIC"><br>
    </p>
    <hr style="height: 1.0 pt; width: 45%; text-align: center; color: #000000">


    <p style="text-align: center">
      FORM 8-K<br><br>CURRENT REPOR<b>T</b><br><b><br>PURSUANT TO SECTION 13
      OR 15(d) OF THE </b><br><b>SECURITIES EXCHANGE ACT OF 1934</b>
    </p>
    <hr style="height: 1.0 pt; width: 45%; text-align: center; color: #000000">


    <p style="text-align: center">

    </p>
    <div style="text-align:center">
    <table cellspacing="0" style="margin-left:auto;margin-right:auto; margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%">
      <tr>
        <td valign="top" style="text-align: right; padding-left: 0.0px; width: 60%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Date of Report (Date of earliest event reported)</b>
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-left: 10.0px; width: 40%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            January 21, 2011
          </p>
        </td>
      </tr>
    </table>
    </div>
    <div style="text-align:center">
    <table cellspacing="0" style="margin-left:auto;margin-right:auto; margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%">
      <tr>
        <td valign="top" style="text-align: center; padding-left: 0.0px">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <font style="font-size: 14pt">CORNERSTONE BANCSHARES, INC.</font>
          </p>
        </td>
      </tr>
      <tr>
        <td valign="top" style="text-align: center; padding-left: 0.0px">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>(Exact name of registrant as specified in its charter)</b>
          </p>
        </td>
      </tr>
    </table>
    </div>
<div style="text-align:left">
    <table cellspacing="0" style="margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%">
      <tr>
        <td valign="bottom" style="text-align: center; padding-left: 0.0px; width: 25%; border-bottom: solid black 1.0pt">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Tennessee
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-bottom: 2.0px; padding-left: 0.0px; width: 2%">
          &#160;
        </td>
        <td valign="bottom" style="text-align: center; white-space: nowrap; padding-right: 0.0px; padding-left: 0.0px; width: 46%; border-bottom: solid black 1.0pt">
          <p style="margin-top: 0px; margin-bottom: 0px">
            000-30497
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-bottom: 2.0px; padding-left: 0.0px; width: 2%">
          &#160;
        </td>
        <td valign="bottom" style="text-align: center; white-space: nowrap; padding-right: 0.0px; padding-left: 0.0px; width: 25%; border-bottom: solid black 1.0pt">
          <p style="margin-top: 0px; margin-bottom: 0px">
            62-1175427
          </p>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="text-align: center; padding-left: 0.0px; width: 25%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>(State or other<br>jurisdiction of<br>incorporation)</b>
          </p>
        </td>
        <td style="width: 2%">

        </td>
        <td valign="top" style="text-align: center; padding-left: 0.0px; width: 46%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>(Commission File Number)</b>
          </p>
        </td>
        <td style="width: 2%">

        </td>
        <td valign="bottom" style="text-align: center; padding-left: 0.0px; width: 25%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>(IRS Employer<br>Identification<br>No.)</b>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <div style="text-align:center">
    <table cellspacing="0" style="margin-left:auto;margin-right:auto; margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 75%">
      <tr>
        <td valign="bottom" style="text-align: center; padding-left: 0.0px; border-bottom: solid black 1.0pt">
          <p style="margin-top: 0px; margin-bottom: 0px">
            835 Georgia Avenue, Chattanooga, Tennessee 37402
          </p>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="text-align: center; padding-left: 0.0px">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <font style="font-family: Times New Roman; font-size: 10pt"><b>(Address
            of principal executive offices)</b></font><b> &#160;&#160;&#160;&#160;&#160;(zip code)</b>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <div style="text-align:center">
    <table cellspacing="0" style="margin-left:auto;margin-right:auto; margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 75%">
      <tr>
        <td valign="top" style="text-align: center; white-space: nowrap; padding-right: 0.0px; padding-left: 0.0px; border-bottom: solid black 1.0pt">
          <p style="margin-top: 0px; margin-bottom: 0px">
            (423) 385-3000
          </p>
        </td>
      </tr>
      <tr>
        <td valign="top" style="text-align: center; padding-left: 0.0px">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>(Registrant&#8217;s telephone number, including area code)</b>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <div style="text-align:center">
    <table cellspacing="0" style="margin-left:auto;margin-right:auto; margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 75%">
      <tr>
        <td valign="top" style="text-align: center; padding-left: 0.0px; border-bottom: solid black 1.0pt">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Not Applicable
          </p>
        </td>
      </tr>
      <tr>
        <td valign="top" style="text-align: center; padding-left: 0.0px">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>(Former name or former address if changed since last report)</b>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-indent: 30.0px; font-size: 10pt; font-family: Times New Roman">
      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:
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Written
      communications pursuant to Rule 425 under the Securities Act (17 CFR
      230.425)</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Soliciting
      material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
      240.14d-2(b))</font>
    </p>
    <p>
      <font style="font-family: Arial Unicode MS; font-size: 10pt">&#8414;</font>
      <font style="font-family: Times New Roman; font-size: 10pt">Pre-commencement
      communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
      240.13e-4(c))</font>
    </p>
    <div style="text-indent: 0pt; margin-bottom: 10pt; margin-left: 0pt; width: 100%; margin-right: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
<div style="text-align:left">
    <table cellspacing="0" style="margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%">
      <tr>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 12%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Item 1.02</b>
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 88%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Termination of a Material Definitive Agreement.</b>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      The information included in paragraph (e) of Item 5.02 of this Current
      Report on Form 8-K is incorporated by reference in response to this Item
      1.02.
    </p>
<div style="text-align:left">
    <table cellspacing="0" style="margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%">
      <tr>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 12%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Item 5.02</b>
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 88%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Departure of Directors or Certain Officers; Election of
            Directors; Appointment of Certain Officers; Compensatory
            Arrangements of Certain Officers.</b>
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      (b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;Effective January 4, 2011, Jerry D. Lee resigned from his
      positions as Executive Vice President and Chief Credit Officer of
      Cornerstone Bancshares, Inc. (the &quot;Company&quot;).&#160;&#160;Mr. Lee's resignation is
      not the result of a disagreement with the Company.
    </p>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      (c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;On January 21, 2011, the Company issued a press release
      announcing the appointment of J. Robert Vercoe, Jr., a Senior Vice
      President and Relationship Manager of Cornerstone Community Bank, as
      Executive Vice President and Chief Credit Officer of the Company,
      effective on January 7, 2011.&#160;&#160;
    </p>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      Mr. Vercoe, age 58, has more than 30 years' experience in the banking
      industry.&#160;&#160;Mr. Vercoe received his bachelor's degree in U.S. history and
      MBA in finance from the University of North Carolina at Chapel Hill.&#160;&#160;&#160;&#160;&#160;
    </p>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      There are no arrangements or understandings between Mr.&#160;Vercoe and any
      other persons pursuant to which he was appointed as the Company's
      Executive Vice President and Chief Credit Officer.&#160;&#160;There are no related
      party transactions between the Company and Mr. Vercoe that are required
      to be disclosed under Item 404(a) of Regulation&#160;S-K.
    </p>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      The preceding is qualified in its entirety by reference to the press
      release, which is attached hereto as Exhibit 99.1 and incorporated
      herein by reference.
    </p>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      (e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;On January 7, 2011, in connection with Mr. Lee's resignation,
      the Company entered into a separation agreement with Mr. Lee (the
      &quot;Separation Agreement&quot;).&#160;&#160;Under the terms of the Separation Agreement,
      Mr. Lee will be entitled to receive six months of his current base
      salary, payable in equal installments over six months in accordance with
      the Company's payroll practices.
    </p>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      In connection with the execution of the Separation Agreement, the Key
      Executive Employment Agreement and Severance Agreement between the
      Company and Mr. Lee was terminated effective January 4, 2011.
    </p>
<div style="text-align:left">
    <table cellspacing="0" style="margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%">
      <tr>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 12%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Item 9.01.</b>
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px" colspan="2">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <b>Financial Statements and Exhibits.</b>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 12%">

        </td>
        <td style="width: 7%">

        </td>
        <td style="width: 81%">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 12%">

        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 7%">
          (d)
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 81%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <i>Exhibits</i>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 12%">

        </td>
        <td style="width: 7%">

        </td>
        <td style="width: 81%">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 12%">

        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 7%">

        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 81%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            99.1 &#160;&#160;&#160;Press release dated as of January 21, 2011.
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="white-space: nowrap">

    </p>
    <div style="text-indent: 0pt; margin-bottom: 10pt; margin-left: 0pt; width: 100%; margin-right: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <font style="font-family: Times New Roman; font-size: 10pt"><b>SIGNATURES</b></font>
    </p>
    <p style="text-align: left; text-indent: 30.0px">
      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.
    </p>
    <p style="text-indent: 90.0px; font-size: 10pt; font-family: Times New Roman">
      <br>

    </p>
    <div style="text-align:center">
    <table cellspacing="0" style="margin-left:auto;margin-right:auto; margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%">
      <tr>
        <td style="width: 50%">

        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px" colspan="2">
          <p style="margin-top: 0px; margin-bottom: 0px">
            CORNERSTONE BANCSHARES, INC.
          </p>
        </td>
      </tr>
      <tr>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 50%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td style="width: 4%">

        </td>
        <td style="width: 46%">

        </td>
      </tr>
      <tr>
        <td valign="top" style="text-align: left; padding-bottom: 2.0px; padding-left: 0.0px; width: 50%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Date:&#160;&#160;January 21, 2011
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-bottom: 2.0px; padding-left: 0.0px; width: 4%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            By:
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 46%; border-bottom: solid black 1.0pt">
          <p style="margin-top: 0px; margin-bottom: 0px">
            /s/ Nathaniel F. Hughes
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 50%">

        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 4%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 46%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Nathaniel F. Hughes
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 50%">

        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 4%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            &#160;
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 46%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            President and Chief Executive Officer
          </p>
        </td>
      </tr>
    </table>
    </div>
    <div style="text-indent: 0pt; margin-bottom: 10pt; margin-left: 0pt; width: 100%; margin-right: 0pt">
      <div>
        <div style="text-align: left">

        </div>
      </div>
      <div style="page-break-after: always">
        <div style="text-align: center">

        </div>
        <div style="text-align: center">
          <hr style="height: 1.5pt; color: black">

        </div>
      </div>
      <div>
        <div style="text-align: right">

        </div>
      </div>
    </div>
    <p>

    </p>
    <p style="text-align: center">
      <b>EXHIBIT INDEX</b>
    </p>
<div style="text-align:left">
    <table cellspacing="0" style="margin-bottom: 10.0px; font-size: 10pt; font-family: Times New Roman; width: 100%">
      <tr>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 20%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <u>Exhibit No.</u>
          </p>
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 80%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            <u>Exhibit Description</u>
          </p>
        </td>
      </tr>
      <tr>
        <td style="width: 20%">

        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 80%">
          &#160;
        </td>
      </tr>
      <tr>
        <td valign="top" style="text-align: left; white-space: nowrap; padding-right: 0.0px; padding-left: 0.0px; width: 20%">
          99.1
        </td>
        <td valign="top" style="text-align: left; padding-left: 0.0px; width: 80%">
          <p style="margin-top: 0px; margin-bottom: 0px">
            Press release dated as of January 21, 2011.
          </p>
        </td>
      </tr>
    </table>
    </div>
    <p style="margin-left: 150.0px">

    </p>
    <p>

    </p>
    <p>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>a6581405-ex991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html>
  <head>
    <title></title>
<!--Copyright 2011 Business Wire, a Berkshire Hathaway company.-->
<!--All rights reserved www.businesswire.com-->
  </head>
  <body style="font-size: 8pt; font-family: Times New Roman">
    <p style="text-align: right">
      <b>Exhibit 99.1</b>
    </p>
    <p style="text-align: center">
      <font style="font-family: Times New Roman; font-size: 12pt"><b>Robert
      Vercoe Appointed Chief Credit Officer of Cornerstone Community Bank</b></font>
    </p>
    <p style="text-align: center">

    </p>
    <p>
      CHATTANOOGA, Tenn.--(BUSINESS WIRE)--January 21, 2011--Cornerstone
      Bancshares, Inc. (OTC Bulletin Board: CSBQ) today announced the
      following:
    </p>
    <p>
      Cornerstone Community Bank of Chattanooga announced the appointment of
      J. Robert (Bob) Vercoe, Jr., a Senior Vice President and Relationship
      Manager, as Executive Vice President and Chief Credit Officer effective
      January 7, 2011. Vercoe has more than 30 years&#8217; experience in the
      banking industry, having served in executive positions with banks in
      Charlotte, N.C.; Nashville, TN; and, most recently, Chattanooga.
      Originally from Raleigh, North Carolina, he holds a bachelor&#8217;s degree in
      U.S. History and an MBA in finance from the University of North Carolina
      at Chapel Hill. Vercoe has lived in Chattanooga the past 20 years. He
      and his wife have four grown children and reside on Signal Mountain.
    </p>
    <p>
      &#8220;We are extremely pleased to welcome Bob aboard,&#8221; said Cornerstone
      Community Bank President &amp; CEO Frank Hughes. &#8220;With his vast knowledge
      and expertise, he will undoubtedly be a tremendous asset to Cornerstone.&#8221;
    </p>
    <p>
      Cornerstone is a single-bank holding company, with $480 million in
      assets, serving the Chattanooga, Tennessee MSA, with five branches
      throughout Chattanooga and one loan production office in Dalton,
      Georgia. Locally owned and locally operated, Cornerstone specializes in
      providing a comprehensive range of customized financial solutions for
      businesses and individuals.
    </p>
    <p>
      Certain of the statements made in this release may constitute
      forward-looking statements within the meaning of Section 27A of the
      Securities Act of 1933 and Section 21E of the Securities Exchange Act of
      1934. Such forward-looking statements, including statements regarding
      the intent, belief or current expectations of Cornerstone and its
      management regarding the company&#8217;s strategic directions, prospects and
      future results, involve certain risks and uncertainties. Certain factors
      may cause actual results to differ materially from those contained in
      the forward-looking statements, including economic and other conditions
      in the markets in which Cornerstone operates, governmental regulations,
      the company&#8217;s competitive environment, cyclical and seasonal
      fluctuations in its operating results, and other risks discussed in
      Cornerstone&#8217;s Form 10-K and other filings with the Securities and
      Exchange Commission.
    </p>
    <p>
      Photos/Multimedia&#160;Gallery Available: <u>http://www.businesswire.com/cgi-bin/mmg.cgi?eid=6581421&amp;lang=en</u>
    </p>
    <p>
      CONTACT:<br>Cornerstone Community Bank<br>Frank Hughes, President &amp; CEO,
      423-385-3009
    </p>
  </body>
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</TEXT>
</DOCUMENT>
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<SEQUENCE>3
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
