SmartFinancial (SMBK) 8-K Cornerstone Bancshares, Inc. Announces Cash Dividend

Exhibit 99.1

Cornerstone Bancshares, Inc. Announces Cash Dividend

Monday, November 24, 2008 8:00 AM 

- PR Newswire

CHATTANOOGA, Tenn., November 24, 2008 /PRNewswire-FirstCall / -- Cornerstone Bancshares, Inc. (OTC Bulletin Board: CSBQ) today announced the following:

Cornerstone Bancshares, Inc Board of Directors announced the record date and payment date of Cornerstone’s quarterly dividend. The dividend $.07 a share will be issued to shareholders of record as of December 19, 2008, and will be paid January 5, 2009.

Cornerstone Bancshares, Inc. is a one-bank holding company serving the Chattanooga, Tennessee MSA with 5 branches, 2 loan production offices and $450 million in assets specializing in business financial services.

Contact:

Cornerstone Bancshares, Inc., Chattanooga, TN

Frank Hughes

President & Treasurer, Cornerstone Bancshares, Inc.

PH#(423)385-3009,Fax# (423)385-3100

email: fhughes@cscbank.com