<SEC-DOCUMENT>0001144204-15-044690.txt : 20150729
<SEC-HEADER>0001144204-15-044690.hdr.sgml : 20150729
<ACCEPTANCE-DATETIME>20150729080021
ACCESSION NUMBER:		0001144204-15-044690
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20150729
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20150729
DATE AS OF CHANGE:		20150729

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:		151011120

	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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<FILENAME>v416419_8k.htm
<DESCRIPTION>8-K
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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>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>
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    <td colspan="5" 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;July 29, 2015</b></font></td></tr>
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    <TD STYLE="vertical-align: bottom; width: 36%; 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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                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-weight: normal; font-style: normal">835 Georgia Avenue, Chattanooga, Tennessee 37402</FONT></P></TD>
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    <TD COLSPAN="7" 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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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Check the appropriate box below if the Form
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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Item 7.01</B></TD><TD STYLE="text-align: justify"><B>Regulation FD.</B></TD>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On July 29, 2015, Cornerstone Bancshares,
Inc. (&ldquo;Cornerstone&rdquo;) announced that the Board of Governors of the Federal Reserve System had approved the application
by Cornerstone to merge with SmartFinancial, Inc. and thereby indirectly acquire SmartBank.</P>

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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Item 9.01</B></TD><TD STYLE="text-align: justify"><B>Financial Statements and Exhibits.</B></TD>
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    <TD STYLE="width: 8%; text-align: center">(d)</TD>
    <TD STYLE="width: 16%">Exhibits</TD>
    <TD>&nbsp;</TD></TR>
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    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
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    <TD>&nbsp;</TD>
    <TD>99.1</TD>
    <TD>Press release dated July 29, 2015 concerning approval of merger by Federal Reserve Board.</TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>SIGNATURES</B></P>

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<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>

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    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CORNERSTONE BANCSHARES, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 47%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Date:&nbsp;&nbsp;July 29, 2015</TD>
    <TD NOWRAP>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Nathaniel F. Hughes&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Nathaniel F. Hughes</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>President and Chief Executive Officer</TD></TR>
</TABLE>


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

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


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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; text-decoration: none; border-bottom: Black 1pt solid"><U STYLE="text-decoration: none">Exhibit No.</U></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="text-decoration: none; width: 88%; border-bottom: Black 1pt solid"><U STYLE="text-decoration: none">Description</U></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>99.1</TD>
    <TD>&nbsp;</TD>
    <TD>Press release dated July 29, 2015 concerning approval of merger by Federal Reserve Board.</TD></TR>
</TABLE>
<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"></P>

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

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>v416419_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 99.1&nbsp;</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Cornerstone Merger With SmartFinancial</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Approved by Federal Reserve Board</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></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; text-align: justify">CHATTANOOGA, TN &ndash; July 29, 2015 &mdash;
Cornerstone Bancshares, Inc. (&ldquo;Cornerstone&rdquo;; OTCBB: CSBQ; CSBQP), parent company of Cornerstone Community Bank (&ldquo;Bank&rdquo;),
received official notification in a letter dated July 22, 2015, that the Board of Governors of the Federal Reserve System approved
the application by Cornerstone to merge with SmartFinancial, Inc., parent company of SmartBank.</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">&ldquo;Both Boards of Directors and our
respective shareholders had already voted overwhelmingly in favor of the merger,&rdquo; said SmartFinancial&rsquo;s President and
CEO Billy Carroll. &ldquo;This federal approval gives us the green light to move full steam ahead in putting this partnership together.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Upon completion of the proposed merger,
which is expected to take place by August 31, 2015, the combined holding company will have approximately $1 billion in total assets,
with 12 branch locations in the East Tennessee and the Florida Panhandle markets. After the banks are subsequently merged, the
combined bank is expected to become the twelfth largest bank chartered in Tennessee and will be operated under the SmartBank name.</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">&ldquo;We believe the &lsquo;Smart&rsquo;
name really fits the dynamic vision and profile of where we&rsquo;re going for the future,&rdquo; said Cornerstone&rsquo;s Chairman
Miller Welborn. &ldquo;With SmartBank&rsquo;s strengths in technology and cutting edge banking solutions, combined with Cornerstone&rsquo;s
solid foundation in the innovation district of the Gig City, this brand really works.&rdquo;</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>About SmartFinancial, Inc.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">SmartFinancial, Inc. is a single-bank
holding company based in Pigeon Forge, Tennessee that operates SmartBank, a full-service commercial bank founded in 2007, with
seven branches throughout East Tennessee and the Florida Panhandle. Recruiting the best people, delivering exceptional client
service, strategic branching and a conservative and disciplined approach to lending have all given rise to SmartBank&rsquo;s success.
More information about SmartFinancial can be found on its website: <FONT STYLE="color: Blue"><U>www.smartbank.com</U></FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>About Cornerstone Bancshares, Inc.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Cornerstone Bancshares, Inc. (OTCBB: CSBQ,
CSBQP) is a single-bank holding company based in Chattanooga, Tennessee that operates Cornerstone Community Bank, a full-service
commercial bank founded in 1996, with five branches throughout the Chattanooga MSA and one loan production office in Dalton, Georgia.
Cornerstone specializes in providing customized financial solutions for businesses and consumers, by offering a comprehensive
range of products and services designed to help companies and individuals build strong financial foundations. More information
about Cornerstone can be found on its website:&nbsp;<FONT STYLE="color: Blue"><U>www.cscbank.com</U></FONT>.</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>Media &amp; Investor Relations Contact</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Cornerstone Bancshares, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">423-385-3009</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<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; text-indent: 0.5in">&nbsp;</P>

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

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

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



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