<SEC-DOCUMENT>0001144204-15-007535.txt : 20150210
<SEC-HEADER>0001144204-15-007535.hdr.sgml : 20150210
<ACCEPTANCE-DATETIME>20150210171525
ACCESSION NUMBER:		0001144204-15-007535
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20150209
ITEM INFORMATION:		Regulation FD Disclosure
FILED AS OF DATE:		20150210
DATE AS OF CHANGE:		20150210

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CORNERSTONE BANCSHARES INC
		CENTRAL INDEX KEY:			0001038773
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				621173944
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30497
		FILM NUMBER:		15594956

	BUSINESS ADDRESS:	
		STREET 1:		835 GEORGIA AVENUE
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37402
		BUSINESS PHONE:		423-385-3000

	MAIL ADDRESS:	
		STREET 1:		6401 LEE HIGHWAY SUITE 119
		CITY:			CHATTANOOGA
		STATE:			TN
		ZIP:			37421

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EAST RIDGE BANCSHARES INC
		DATE OF NAME CHANGE:	19970507
</SEC-HEADER>
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<TYPE>8-K
<SEQUENCE>1
<FILENAME>v401125_8k.htm
<DESCRIPTION>FORM 8-K
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        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="font-weight: normal">UNITED
        STATES</font></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="font-weight: normal">SECURITIES
        AND EXCHANGE COMMISSION</font></P></td>
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    <td colspan="7" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-weight: normal; font-style: normal">CURRENT REPORT</font></td>
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    <td colspan="7" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-style: normal"><b>PURSUANT TO SECTION 13 OR 15(d) OF THE</b></font><br>
<font style="font-style: normal"><b>SECURITIES EXCHANGE ACT OF 1934</b></font></td>
    <td colspan="3" style="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</td></tr>
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    <td colspan="13" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-style: normal"><b>Date of Report (Date of earliest event reported):&nbsp;&nbsp;February 9, 2015</b></font></td></tr>
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    <td colspan="7" rowspan="2" style="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 12pt; text-align: center"><font style="font-size: 12pt; font-weight: normal; font-style: normal">CORNERSTONE BANCSHARES, INC.</font></td>
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    <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</td>
    <td colspan="3" style="vertical-align: bottom; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">000<b>-</b><font style="font-weight: normal; font-style: normal">30497</font></td>
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    <td colspan="4" style="vertical-align: bottom; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-weight: normal; font-style: normal">62-1173944</font></td></tr>
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    <td colspan="3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-style: normal"><b>(Commission File Number)</b></font></td>
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    <td colspan="11" style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-weight: normal; font-style: normal">835 Georgia Avenue, Chattanooga, Tennessee 37402</font></td>
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    <td colspan="9" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-style: normal"><b>(Address of principal executive offices)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(zip code)</b></font></td>
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    <td colspan="11" style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-weight: normal; font-style: normal">(423) 385-3000</font></td>
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    <td colspan="11" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-style: normal"><b>(Registrant's telephone number, including area code)</b></font></td>
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    <td colspan="3" style="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</td>
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    <td colspan="11" style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-weight: normal; font-style: normal">Not Applicable</font></td>
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    <td colspan="11" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font-style: normal"><b>(Former name or former address if changed since last report)</b></font></td>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">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>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.4in"><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD><TD><FONT STYLE="font-size: 10pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 7.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On February 9, 2015, the Registrant announced the payment date
of February 25, 2015, for a cash dividend in the amount of $0.625 per share for its Series A Convertible Preferred Stock for all
shareholders of record as of September 30, 2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Important Information for Shareholders</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This communication shall not constitute
an offer to sell, the solicitation of an offer to sell, the solicitation of an offer to buy any securities or the solicitation
of any vote or approval, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale
would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.&nbsp; In connection
with the proposed merger of Cornerstone Bancshares, Inc. and SmartFinancial, Inc., Cornerstone will file a registration statement
on Form S-4 with the Securities and Exchange Commission, which will contain the joint proxy statement/prospectus of SmartFinancial
and Cornerstone. Shareholders of Cornerstone and SmartFinancial are encouraged to read the registration statement, including the
joint proxy statement/prospectus that will be part of the registration statement, because it will contain important information
about the merger, Cornerstone and SmartFinancial. After the registration statement is filed with the SEC, the joint proxy statement/prospectus
and other relevant documents will be mailed to all Cornerstone and SmartFinancial shareholders and will be available for free on
the SEC&rsquo;s website (www.sec.gov). The joint proxy statement/prospectus will also be made available for free by contacting
the President and CEO of SmartFinancial at (865) 868-0613 or the President and CEO of Cornerstone at 423-385-3009. No offer of
securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933,
as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Cornerstone, SmartFinancial and their respective
directors, executive officers, and certain other members of management and employees of Cornerstone and SmartFinancial may be deemed
to be participants in the solicitation of proxies in connection with the proposed merger. Information concerning the interests
of the persons who may be considered &ldquo;participants&rdquo; in the solicitation will be set forth in the joint proxy statement/prospectus
relating to the merger and the other relevant documents filed with the SEC when they become available. Information about the directors
and executive officers of Cornerstone is also set forth in Cornerstone&rsquo;s proxy statement for its 2014 annual meeting of shareholders
and its Annual Report on Form 10-K for the year ended December 31, 2013, filed with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Forward-Looking Statements</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Certain of the statements made in this
report 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, SmartFinancial and their respective management regarding the companies&rsquo; strategic directions,
prospects, future results and benefits of the merger, are subject to numerous 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 and SmartFinancial operate, governmental regulations, the ability to obtain regulatory and
shareholder approval, the possibility that conditions to completion of the merger will not be satisfied, the ability to complete
the merger in the expected timeframe, the companies&rsquo; competitive environment, cyclical and seasonal fluctuations in their
operating results, and other risks.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 85.5pt; text-indent: -85.5pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 45%"><FONT STYLE="font-size: 10pt">CORNERSTONE BANCSHARES, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">(Registrant)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">Date:&nbsp;&nbsp;&nbsp;&nbsp;February 9, 2015</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">By: <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Nathaniel F. Hughes&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nathaniel F. Hughes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;President and Chief Executive Officer</FONT></TD></TR>
</TABLE>


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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
