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EXHIBIT 24
POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that the undersigned director and/or
officer of First American Corporation, a corporation organized under the laws
of the State of Tennessee ("Company"), hereby constitutes and appoints MARY
NEIL PRICE AND MARTIN E. SIMMONS and each of them (with full power of each of
them to act alone), his true and lawful attorney-in-fact and agent for him and
on his behalf and in his name, place and stead, in any and all capacities, to
sign, execute and file with the Securities and Exchange Commission, the Office
of Thrift Supervision, or any other governmental or regulatory authority, one
or more Registration Statements on Form S-4 or such other appropriate form (as
any of such attorneys may determine) and all amendments (including
post-effective amendments) thereto, with all exhibits and any and all documents
required to be filed with respect thereto, relating to the registration of
shares of the Company's common stock under the Securities Act of 1933 and under
the rules and regulations of the Office of Thrift Supervision in connection
with the Company's acquisition of Charter Federal Savings Bank and Heritage
Federal Bancshares, Inc., granting unto said attorneys and each of them full
power and authority to do and to perform each and every act and thing requisite
and necessary to be done in order to effectuate the same as fully to all
intents and purposes as he himself might or could do if personally present,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, may lawfully do or cause to be done by virtue hereof.
IN WITNESS WHEREOF, the undersigned director and/or officer has
hereunto set his hand as of the date specified.
Dated: August 7, 1995 /s/ Martha R. Ingram
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Martha R. Ingram
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POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that the undersigned director and/or
officer of First American Corporation, a corporation organized under the laws
of the State of Tennessee ("Company"), hereby constitutes and appoints MARY
NEIL PRICE and MARTIN E. SIMMONS and each of them (with full power of each of
them to act alone), his true and lawful attorney-in-fact and agent for him and
on his behalf and in his name, place and stead, in any and all capacities, to
sign, execute and file with the Securities and Exchange Commission, the Office
of Thrift Supervision, or any other governmental or regulatory authority, one
or more Registration Statements on Form S-4 or such other appropriate form (as
any of such attorneys may determine) and all amendments (including
post-effective amendments) thereto, with all exhibits and any and all documents
required to be filed with respect thereto, relating to the registration of
shares of the Company's common stock under the Securities Act of 1933 and under
the rules and regulations of the Office of Thrift Supervision in connection
with the Company's acquisition of Charter Federal Savings Bank and Heritage
Federal Bancshares, Inc., granting unto said attorneys and each of them full
power and authority to do and to perform each and every act and thing requisite
and necessary to be done in order to effectuate the same as fully to all
intents and purposes as he himself might or could do if personally present,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, may lawfully do or cause to be done by virtue hereof.
IN WITNESS WHEREOF, the undersigned director and/or officer has
hereunto set his hand as of the date specified.
Dated: August 21, 1995 /s/ Reginald D. Dickson
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Reginald D. Dickson
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POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that the undersigned director and/or
officer of First American Corporation, a corporation organized under the laws
of the State of Tennessee ("Company"), hereby constitutes and appoints MARY
NEIL PRICE and MARTIN E. SIMMONS and each of them (with full power of each of
them to act alone), his true and lawful attorney-in-fact and agent for him and
on his behalf and in his name, place and stead, in any and all capacities, to
sign, execute and file with the Securities and Exchange Commission, the Office
of Thrift Supervision, or any other governmental or regulatory authority, one
or more Registration Statements on Form S-4 or such other appropriate form (as
any of such attorneys may determine) and all amendments (including
post-effective amendments) thereto, with all exhibits and any and all documents
required to be filed with respect thereto, relating to the registration of
shares of the Company's common stock under the Securities Act of 1933 and under
the rules and regulations of the Office of Thrift Supervision in connection
with the Company's acquisition of Charter Federal Savings Bank and Heritage
Federal Bancshares, Inc., granting unto said attorneys and each of them full
power and authority to do and to perform each and every act and thing requisite
and necessary to be done in order to effectuate the same as fully to all
intents and purposes as he himself might or could do if personally present,
hereby ratifying and confirming all that said attorneys-in-fact and agents, or
any of them, may lawfully do or cause to be done by virtue hereof.
IN WITNESS WHEREOF, the undersigned director and/or officer has
hereunto set his hand as of the date specified.
Dated: August 15, 1995 /s/ Walter G. Knestrick
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Walter G. Knestrick