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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                    FORM 8K

                                 CURRENT REPORT


                            Current Report Pursuant
                           to Section 13 or 15(d) of
                      the Securities Exchange Act of 1934




Date of Report: August 15, 1995
Date of earliest event reported: August 15, 1995



                           FIRST AMERICAN CORPORATION
             (Exact name of registrant as specified in its charter)



                                   TENNESSEE
                 (State or other jurisdiction of incorporation)


         0-6198                                           62-0799975
(Commission File Number)                                  (I.R.S. Employer
                                                          Identification No.)


FIRST AMERICAN CENTER, NASHVILLE, TENNESSEE                         37237-0700
(Address of principal executive offices)                            (Zip Code)





       Registrant's telephone number, including area code (615) 748-2000
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Item 5.          Other Event

                 As previously reported by Current Reports on Forms 8-K dated
                 February 23, 1995 and May 22, 1995 respectively,  First
                 American has entered into a definitive Agreement and Plan of
                 Merger dated February 21, 1995 with Heritage Federal
                 Bancshares, Inc., and a definitive Agreement and Plan of
                 Reorganization dated May 17, 1995 with Charter Federal Savings
                 Bank.  Attached hereto and incorporated by reference herein as
                 Exhibit 99 is First American Corporation unaudited pro forma
                 combined condensed financial data in respect to these 
                 transactions.




Exhibit No.               Description
-----------               -----------

         2 (a).           Agreement and Plan of Merger dated February 21, 1995
                          by and between Heritage Federal Bancshares, Inc. and
                          First American Corporation (previously filed as
                          Exhibit 2 to a Current Report on Form 8-K dated
                          February 23, 1995, and incorporated herein by
                          reference).

         2 (b).           Agreement and Plan of Reorganization dated May 17,
                          1995 by and between Charter Federal Savings Bank and
                          First American Corporation (previously filed as
                          Exhibit 2 to a current Report on Form 8-K dated May
                          22, 1995, and incorporated herein by reference).


         20 (a).          Press release dated February 21, 1995 (previously
                          filed as Exhibit 20 (a) to a Current Report on Form
                          8-K dated February 23, 1995, and incorporated herein
                          by reference).

         20 (b).          Press release dated February 22, 1995 (previously
                          filed as Exhibit 20 (b) to a Current Report on Form
                          8-K dated February 23, 1995, and incorporated herein
                          by reference).

         20 (c).          Press Release dated May 17, 1995 (previously filed as
                          Exhibit 20 to a Current Report on Form 8-K dated May
                          22, 1995, and incorporated herein by reference).


         99.              First American Corporation unaudited pro forma
                          combined condensed financial data reflecting 
                          acquisition by First American Corporation of Heritage
                          Federal Bancshares, Inc. and Charter Federal Savings
                          Bank.
                          
                          



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                                   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 thereunto duly authorized.


                                          FIRST AMERICAN CORPORATION
                                          --------------------------
                                                                   
                                                                   
                                          (Registrant)
                                          
                                          
Date: August 15, 1995                     /s/   Mary Neil Price                 
                                          --------------------------------------
                                          Name:  Mary Neil Price
                                          Title: Senior Vice President and
                                                  Assistant Secretary





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                                 EXHIBIT INDEX


Exhibit No:               Description
-----------               -----------

2 (a)                     Agreement and Plan of Merger dated February 21, 1995,
                          by and between Heritage Federal Bancshares, Inc. and
                          First American Corporation (incorporated by
                          reference)

2 (b)                     Agreement and Plan of Reorganization dated May 17,
                          1995, by and between Charter Federal Savings Bank and
                          First American Corporation (incorporated by
                          reference)

20 (a)                    Press release dated February 21, 1995 (incorporated 
                          by reference) 

20 (b)                    Press release dated February 22, 1995 (incorporated 
                          by reference)

20 (c)                    Press Release dated May 17, 1995 (incorporated by
                          reference)

99                        First American Corporation unaudited pro forma
                          combined condensed financial data reflecting 
                          acquisition by First American Corporation of Heritage
                          Federal Bancshares, Inc. and Charter Federal Savings
                          Bank 
                          
                          





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