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                                                                   EXHIBIT 20(b)

Financial Contact: First American Corp.:  Carroll Kimball, 615/748-2455, 
                   Fax 615/748-2755
                   Heritage Federal:  Bill Richmond, 615/378-2810
Media Contact:     First American:  Vicki Kessler, Telephone 615/748-2912, 
                   Fax 615/748-2535
                   Heritage Federal:  Bill Kreis, 615/378-8003

FOR IMMEDIATE RELEASE


    FIRST AMERICAN CORPORATION ACQUISITION OF HERITAGE FEDERAL:  ADDITIONAL
                                  INFORMATION

         NASHVILLE, TENN., FEB 22. 1995 -- First American Corporation (NASDAQ:
FATN) and Heritage Federal Bancshares, Inc. (NASDAQ: HFBS), a holding company
for Heritage Federal Bank For Savings, announced additional details of the
definitive agreement the two companies signed yesterday for Heritage Federal to
merge with First American.

         Heritage Federal Bank For Savings is a $520 million savings bank
headquartered in Kingsport, Tenn., and First American is a $7.8 billion bank
holding company located in Nashville, Tenn.

         The definitive agreement provides that the outstanding shares of
Heritage Federal common stock will be exchanged for $28.00 in value of shares
of First American common stock, such value to be based upon the average closing
price of the First American common stock for the 20 consecutive trading days
ending on and including the third day immediately preceding the effective time
of the merger.  If the average closing price is less than $25.50 or more than
$34.50, the number of shares to be issued by First American will be fixed at
1.098 shares and 0.8116 shares, respectively.  If the average closing price is
less than $23.50 or more than $36.50 then Heritage Federal and First American,
respectively, may unilaterally terminate the merger.  These exchange ratios are
subject to customary adjustments as a result of stock dividends, stock splits or
other similar changes to First American's capital.

         In addition, First American clarified that in relation to First
American's announced stock repurchase plan, First American intends to
repurchase up to 80% of First American's common stock that will be required to
be issued to the Heritage Federal shareholders to consummate the transaction.
A wire service earlier today erroneously reported that First American would be
buying Heritage Federal shares in the open market.

         First American Corporation is the parent company of First American
National Bank, First American National Bank of Kentucky, and First American
Trust Company.  Approximately 3,300 people work for First American in 142
banking offices.  First American plans to merge Heritage Federal's 13 offices
into First American National Bank.