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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: November 15, 1995
Date of earliest event reported: November 1, 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 2.          Acquisition or Disposition of Assets

                 As previously reported by Current Report on Form 8-K dated
                 February 23, 1995 First American entered into a definitive
                 merger agreement under which all of the outstanding shares of
                 Heritage Federal Bancshares, Inc. were exchanged for First
                 American common stock.  The transaction was consummated
                 effective November 1, 1995.  As previously reported by Report
                 by Issuer of Securities Quoted on Nasdaq Inter-Dealer
                 Quotation System on Form 10-C dated November 1, 1995, there
                 were 25,004,926 shares of First American Corporation $5.00 par
                 value common stock outstanding before the consummation of the
                 merger; there were 27,910,274 shares of First American
                 Corporation $5.00 par value common stock outstanding
                 immediately after the consummation of the merger of Heritage
                 Federal Bancshares, Inc. with and into First American
                 Corporation.


Item 7.          Financial Statements, Pro Forma Financial Statements and
                 Exhibits

                 Selected historical and pro forma financial information in
                 respect to this transaction is attached as Exhibit 99.

Exhibit No.               Description

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

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

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

         20c.             Press Release dated November 1, 1995.

         99a.             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 (previously filed as Exhibit 99 to a Current
                          Report on Form 8-K dated August 15, 1995, and
                          incorporated herein by reference).

         99b.             Revised First American Corporation unaudited pro
                          forma combined condensed financial data reflecting
                          acquisition by First American of Heritage Federal
                          Bancshares, Inc. and Charter Federal Savings Bank
                          (previously filed as Exhibit 99(a) to a Current
                          Report on Form 8-K dated October 3, 1995, and
                          incorporated herein by reference).

         99c.             Historical financial data for Heritage Federal
                          Bancshares, Inc. 
                      





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

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

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

         20c.             Press Release dated November 1, 1995.

         99a.             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 (previously filed as Exhibit 99 to a Current
                          Report on Form 8-K dated August 15, 1995, and
                          incorporated herein by reference).

         99b.             Revised First American Corporation unaudited pro
                          forma combined condensed financial data reflecting
                          acquisition by First American of Heritage Federal
                          Bancshares, Inc. and Charter Federal Savings Bank
                          (previously filed as Exhibit 99(a) to a Current
                          Report on Form 8-K dated October 3, 1995, and
                          incorporated herein by reference).

         99c.             Historical financial data for Heritage Federal
                          Bancshares, Inc.
                          





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