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                                                                   EXHIBIT 99.1


                                  PEOPLES BANK
                              601 HIGHWAY 46, SOUTH
                                DICKSON, TN 37056

                                      PROXY

THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS

         The undersigned hereby appoint(s) [_____________ and [_____________],
jointly and individually, as Proxies, each with the power to appoint his
substitute and hereby authorize(s) them to represent the undersigned, and to
vote upon all matters that may properly come before the meeting, or any
adjournment(s) or postponement(s) thereof, including the matters described in
the Proxy Statement furnished herewith, subject to any directions indicated in
the reverse side, with full power to vote, and to cumulate votes on, all shares
of Common Stock of Peoples Bank held of record by the undersigned on August 15,
1998, at the special meeting of stockholders to be held on September 24, 1998,
or any adjournment(s) or postponement(s) thereof. IF NO DIRECTIONS ARE GIVEN,
THE PROXIES WILL VOTE FOR THE APPROVAL AND ADOPTION OF THE AGREEMENT AND PLAN OF
MERGER BY AND BETWEEN FIRST AMERICAN CORPORATION AND PEOPLES BANK AND AT THE
DISCRETION OF THE PERSONS NAMED ABOVE IN CONNECTION WITH ANY OTHER BUSINESS
PROPERLY COMING BEFORE THE MEETING.

(Continued and to be dated and signed on the other side)

1. Proposal to approve and adopt the Agreement and Plan of Merger by and between
Peoples Bank and First American Corporation.

    FOR [ ]                      AGAINST [ ]                   ABSTAIN [ ]

           The Board of Directors recommends a vote "FOR" the Merger.



                                 ADDRESS CHANGE
                                 and/or comments

                                    Sign here as name(s) appear(s) opposite.




                                    --------------------------------------------
                                    (Signature)






                                    --------------------------------------------
                                    (Signature if held jointly)

                                    When shares are held by joint tenants, both
                                    should sign. When signing as attorney,
                                    executor, administrator, trustee or
                                    guardian, please give full title as such. If
                                    corporation or partnership, sign in full
                                    corporate or partnership name by authorized
                                    person.

                                    Dated: __________, 1998




                Votes must be indicated (x) in Black or Blue Ink.

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