SMARTFINANCIAL INC. — Earnings Release 2008

Jul 23, 2008

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) July 22, 2008

| CORNERSTONE
BANCSHARES, INC. | | |
| --- | --- | --- |
| (Exact
name of registrant as specified in its charter) | | |
| Tennessee | 000-30497 | 62-1175427 |
| (State
or other jurisdiction of
incorporation) | (Commission File
Number) | (I.R.S.
Employer Identification
No.) |
| 835
Georgia Avenue, Chattanooga, Tennessee | | 37343 |
| (Address
of principal executive offices) | | (Zip
Code) |

Registrant’s telephone number, including area code (423) 385-3000

| (Former
name or former address, if changed since last report.) |
| --- |
| 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 (see General Instruction A.2. below): |
| o Written
communications pursuant to Rule 425 under the Securities Act (17
CFR
230.425) |
| o Soliciting material pursuant to Rule 14a-12 under
the Exchange Act (17 CFR 240.14a-12) |
| o Pre-commencement communications pursuant to Rule
14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
| o Pre-commencement
communications pursuant to
Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |

Item 2.02. Results of Operations and Financial Condition

On July 18, 2008, the Registrant issued a press release reporting earnings results for the fiscal quarter ended June 30, 2008.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits

99.1 Press release dated July 18, 2008 reporting earnings results for the fiscal quarter ended June 30, 2008.

SIGNATURES

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.

(Registrant)
Date: July
22, 2008
By:	\s\ Nathaniel
F. Hughes
Nathaniel
F. Hughes,
President
and Chief Operating Officer