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                                                                    EXHIBIT 99.1

                            CSB FINANCIAL CORPORATION
                              108 CUMBERLAND STREET
                             ASHLAND CITY, TN 37082

                                      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 CSB Financial Corporation held of record by the undersigned
on August 21, 1998, at the CSB Special Meeting of stockholders to be held on
September 25, 1998, or any adjournment(s) or postponement(s) thereof. IF NO
DIRECTIONS ARE GIVEN, THE PROXIES WILL VOTE FOR THE APPROVAL OF THE MERGER BY
AND BETWEEN FIRST AMERICAN CORPORATION AND CSB FINANCIAL CORPORATION 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 the merger between CSB Financial Corporation and First
American Corporation pursuant to the Agreement and Plan of Reorganization, by
and among CSB Financial Corporation, First American Corporation, First American
National Bank and Cheatham State Bank.

            [ ] FOR          [ ] AGAINST         [ ] ABSTAIN


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

                                 ADDRESS CHANGE
                                 and/or comments


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


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                                                (Signature)


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

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