Exhibit 99.1


        THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS


                                   PROXY


                       STANDARD BANCORPORATION, INC.


      The undersigned hereby appoints W. Grant Gregory,
James Stuart, and Charles M. Harper, and each of them, each
with the power to act alone and with full power of
substitution, as attorneys and proxies of the undersigned
to attend the Special Meeting of Stockholders of Standard
Bancorporation, Inc. (the "Corporation"), to be held on
January __, 1995, at 10:00 a.m., Central Standard Time, and
all adjournments thereof, and there to vote all shares of
capital stock of the Corporation held of record by the
undersigned as follows:

      1.     Approval and adoption of an Agreement and Plan of
             Reorganization, dated as of September 2, 1994,
             among Fourth Financial Corporation ("Fourth
             Financial") and the Corporation, as amended as of
             December 7, 1994, a related Agreement and
             Articles of Merger which provides for the merger
             of the Corporation into Fourth Financial, and the
             transactions contemplated therein, all as
             described in the Notice of such meeting and the
             Proxy Statement-Prospectus which accompanied such
             Notice.


             FOR___          AGAINST___         ABSTAIN___


      2.     In their discretion on such other matters as may
             properly come before the meeting.

This proxy will be voted as directed, or if no direction is
indicated with respect to Item 1, this proxy will be voted
FOR the proposal.


DATED: ____________,199_  _________________________________
                                         Signature

                          _________________________________
                               Signature if held jointly

Please sign exactly as name(s) appear(s) hereon and return
promptly in the enclosed envelope, indicating official
position or representative capacity where applicable.

               PLEASE MARK, SIGN, DATE, AND RETURN THE PROXY
                   PROMPTLY USING THE ENCLOSED ENVELOPE.