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<title>8-K</title>


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line-height:1.0pt'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;'>&nbsp;</p>

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<hr color="#000000">

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<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>UNITED STATES</b></p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>SECURITIES AND EXCHANGE
COMMISSION</b></p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>Washington, D.C. 20549</b></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>______________________________</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;margin-top:9.0pt;text-align:center'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>FORM 8-K</b></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>CURRENT REPORT</b></p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>Pursuant to Section 13 or 15(d)
of The Securities Exchange Act of 1934</b></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>Date of Report (Date of earliest
event reported):&nbsp; September 21, 2012 (September 17, 2012)</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>______________________________</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;margin-top:9.0pt;text-align:center'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>FIRST CITIZENS BANCSHARES, INC.</b></p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>(Exact name of registrant as
specified in its charter)</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<table class=MsoNormalTable border=0 cellpadding=0
 style='border-collapse:collapse' width="100%">
 <tr>
  <td width=169 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:30%;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>Tennessee</b></p>
  </td>
  <td width=60 valign=top style='width:5%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>&nbsp;</b></p>
  </td>
  <td width=176 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:30%;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>0-11709</b></p>
  </td>
  <td width=58 valign=top style='width:5%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>
  </td>
  <td width=174 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:30%;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>62-1180360</b></p>
  </td>
 </tr>
 <tr>
  <td width=169 valign=top style='width:30%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>(State or other jurisdiction
  of incorporation)</p>
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  <td width=60 valign=top style='width:5%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>
  </td>
  <td width=176 valign=top style='width:30%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>(Commission File Number)</p>
  </td>
  <td width=58 valign=top style='width:5%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>
  </td>
  <td width=174 valign=top style='width:30%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>(IRS Employer Identification
  No.)</p>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>
  </td>
 </tr>
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<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

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  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>
  </td>
  <td width=198 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:35%;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>P.O. Box 370</b></p>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>One First Citizens Place</b></p>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>Dyersburg, Tennessee</b></p>
  </td>
  <td width=90 valign=top style='width:10%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>
  </td>
  <td width=174 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:35%;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>&nbsp;</b></p>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>&nbsp;</b></p>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>38024</b></p>
  </td>
  <td width=103 valign=top style='width:10%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>
  </td>
 </tr>
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  <td width=73 valign=top style='width:10%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>
  </td>
  <td width=198 valign=top style='width:35%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>(Address of principal
  executive offices)</p>
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  <td width=90 valign=top style='width:10%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>
  </td>
  <td width=174 valign=top style='width:35%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>(Zip Code)</p>
  </td>
  <td width=103 valign=top style='width:10%;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>
  </td>
 </tr>
</table>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'>Registrant&#146;s telephone number,
including area code <u>&nbsp;&nbsp;&nbsp;<b>(731) 285-4410&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </b></u></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>Check the appropriate box below if the Form 8-K filing
is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions (see General Instruction A.2 below):</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>
<font face="Wingdings">&#168;</font><font face="Times New Roman">&nbsp;&nbsp; Written communications pursuant to Rule 425
under the Securities Act (17 CFR 230.425)</font></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'><font face="Wingdings">
&#168;</font><font face="Times New Roman">&nbsp;&nbsp; Soliciting material pursuant to Rule 14a-12
under the Exchange Act (17 CFR 240.14a-12)</font></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'><font face="Wingdings">
&#168;</font><font face="Times New Roman">&nbsp; Pre-commencement communications pursuant to Rule
14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'><font face="Wingdings">
&#168;</font><font face="Times New Roman">&nbsp; Pre-commencement communications pursuant to Rule
13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>&nbsp;</p>

<hr color="#000000">

<p style='margin-bottom:.0001pt;font-size:11.0pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:8.0pt;color:windowtext;'>&nbsp;</p>

<div style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>

<hr size=2 width="100%" noshade style='color:navy' align=center>

</div>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify !msorm;line-height:normal !msorm;
line-height:1.0pt'>&nbsp;</p>

<font face="Times New Roman">

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<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify !msorm;line-height:normal !msorm;
line-height:1.0pt'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify !msorm;line-height:normal !msorm;
line-height:1.0pt'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify !msorm;line-height:normal !msorm;
line-height:1.0pt'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'><b>Section
1 &#150; Registrant&#146;s Business and Operations</b></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='mso-style-name:lhb;margin-top:12.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;page-break-after:avoid;font-family:"Times New Roman";color:windowtext;font-weight:bold;margin-top:0in;page-break-after:auto'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Item 1.01.&nbsp;
Entry into a Material Definitive Agreement.</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'><b>&nbsp;</b></p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; On September 17, 2012, First Citizens
National Bank (the &#147;Bank&#148;), a wholly-owned bank subsidiary of First Citizens
Bancshares, Inc. (the &#147;Company&#148;), and Community First Bank (&#147;Community First&#148;)
entered into a Purchase and Assumption Agreement (the &#147;Agreement&#148;) that
provides for the sale of certain assets and the transfer of certain liabilities
relative to Community First&#146;s branch office located at 9045 Carothers Parkway,
Franklin, Tennessee 37067 (the &#147;Cool Springs Branch&#148;).&nbsp; Under the terms of the
Agreement, the Bank will purchase certain assets of the Cool Springs Branch,
including the real property on which the Cool Springs Branch is located (the
&#147;Real Property&#148;), the leases associated with the Real Property, approximately
$26 million in loans (subject to adjustment between September 17, 2012 and the
closing date) and the fixtures and equipment which are associated with the Cool
Springs Branch.&nbsp; The Bank will also assume certain liabilities, including
substantially all of the deposit liabilities associated with the Cool Springs
Branch (which totaled approximately $56 million as of September 17, 2012).&nbsp; The
purchase price for the assets purchased by the Bank including the Real Property
will be Community First&#146;s net book value for such assets.&nbsp; The Bank will pay a
premium of 4% on the deposit liabilities assumed.&nbsp; To the extent that the
liabilities assumed by the Bank exceed the value of the assets purchased by the
Bank plus the amount of the deposit premium, Community First will make a cash
payment to the Bank equal to such difference. The Agreement includes customary
representations, warranties and covenants as well as customary indemnification
and termination provisions.&nbsp; </p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The foregoing is only a brief description of
the material terms of the Agreement, does not purport to be a complete
description of the rights and obligations of the parties thereunder and is
qualified in its entirety by the terms of the Agreement, a copy of which is
attached as Exhibit 2.1 to this Current Report on Form 8-K and incorporated
herein by reference.</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify;text-indent:.5in; margin-left:0in; margin-right:0in; margin-top:0in'><b>Item 8.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Other Events.</b></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; On September 21, 2012, the Company and Community
First jointly issued a press release announcing the sale by Community First of
certain of the assets and liabilities of the Cool Springs Branch to the Bank.&nbsp; A
copy of the press release is attached as Exhibit 99.1 to this Current Report on
Form 8-K and incorporated herein by reference.</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify;text-indent:.5in; margin-left:0in; margin-right:0in; margin-top:0in'><b>Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial
Statements and Exhibits</b></p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'><b>&nbsp;</b></p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (d)&nbsp; Exhibits.</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<table border="0" width="100%">
	<tr>
		<td width="15%" nowrap valign="top"><font face="Times New Roman">Exhibit No.</font></td>
		<td width="85%" valign="top">

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-top:0in'>Exhibit Description</p>

		</td>
	</tr>
	<tr>
		<td width="15%" valign="top">&nbsp;</td>
		<td width="85%" valign="top">

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>

		</td>
	</tr>
	<tr>
		<td width="15%" valign="top"><font face="Times New Roman">2.1</font></td>
		<td width="85%" valign="top">

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify;margin-top:0in'>Purchase
and Assumption Agreement, dated September 17, 2012, by and between First
Citizens National Bank and Community First Bank &amp; Trust*</p>

		</td>
	</tr>
	<tr>
		<td width="15%" valign="top">&nbsp;</td>
		<td width="85%" valign="top">

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>

		</td>
	</tr>
	<tr>
		<td width="15%" valign="top"><font face="Times New Roman">99.1</font></td>
		<td width="85%" valign="top">

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify;margin-top:0in'>Press
release of First Citizens National Bank and Community First Bank dated
September 21, 2012.</p>

		</td>
	</tr>
	<tr>
		<td width="15%" valign="top">&nbsp;</td>
		<td width="85%" valign="top">

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>

		</td>
	</tr>
</table>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:8.0pt;color:windowtext;'>&nbsp;</p>

<div style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:center'>

<hr size=2 width="100%" noshade style='color:navy' align=center>

</div>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;margin-top:6.0pt !msorm;text-align:center !msorm;
line-height:normal !msorm;line-height:1.0pt'>&nbsp;</p>

<font face="Times New Roman">

<br
clear=all style='page-break-before:always'>


</font>


<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;margin-top:6.0pt !msorm;text-align:center !msorm;
line-height:normal !msorm;line-height:1.0pt'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;margin-top:6.0pt !msorm;text-align:center !msorm;
line-height:normal !msorm;line-height:1.0pt'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;margin-top:6.0pt !msorm;text-align:center !msorm;
line-height:normal !msorm;line-height:1.0pt'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;margin-top:6.0pt;text-align:center; margin-left:0in; margin-right:0in'><b>SIGNATURES</b></p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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 hereunto duly authorized.</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
<div align="right">
	<table border="0" width="50%">
		<tr>
			<td>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-right:0in; margin-top:0in'> <b>FIRST
CITIZENS BANCSHARES, INC.</b></p>

			</td>
		</tr>
		<tr>
			<td>

<p style='margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify; margin-right:0in; margin-top:0in'>&nbsp;</p>

			</td>
		</tr>
		<tr>
			<td>

<p style='margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify; margin-right:0in; margin-top:0in'>&nbsp;</p>

			</td>
		</tr>
		<tr>
			<td>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify;margin-right:0in; margin-top:0in'>By:
<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; /s/ Laura Beth Butler&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </u></p>

			</td>
		</tr>
		<tr>
			<td>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp; Laura Beth Butler</p>

			</td>
		</tr>
		<tr>
			<td>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;margin-right:0in; margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp; Executive Vice President, Secretary &amp;
<br>
&nbsp;&nbsp;&nbsp;&nbsp; Chief
Financial Officer </p>

			</td>
		</tr>
	</table>
</div>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin:0in;margin-bottom:.0001pt;font-size:11.0pt;color:windowtext;text-align:justify'>&nbsp;</p>

<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>Date:&nbsp; September 21, 2012</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>
<p style='margin-bottom:.0001pt;font-family:"Times New Roman";color:windowtext;text-align:justify; margin-left:0in; margin-right:0in; margin-top:0in'>&nbsp;</p>

</div>

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</html>
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{"company-data": {"conformed-name": "FIRST CITIZENS BANCSHARES INC /TN/", "cik": "0000719264", "assigned-sic": "6022", "irs-number": "621180360", "state-of-incorporation": "TN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-11709", "film-number": "121104226"}, "business-address": {"street1": "COURT ST", "street2": "P O BOX 370", "city": "DYERSBURG", "state": "TN", "zip": "38024-0370", "phone": "9012854410"}, "mail-address": {"street1": "P O BOX 370", "city": "DYERSBURG", "state": "TN", "zip": "38025-0370"}}
8-K
UNITED STATES
SECURITIES AND EXCHANGE
COMMISSION
Washington, D.C. 20549
______________________________
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of The Securities Exchange Act of 1934
Date of Report (Date of earliest
event reported):  September 21, 2012 (September 17, 2012)
______________________________
FIRST CITIZENS BANCSHARES, INC.
(Exact name of registrant as
specified in its charter)
Tennessee
0-11709
62-1180360
(State or other jurisdiction
  of incorporation)
(Commission File Number)
(IRS Employer Identification
  No.)
P.O. Box 370
One First Citizens Place
Dyersburg, Tennessee
38024
(Address of principal
  executive offices)
(Zip Code)
Registrant's telephone number,
including area code
(731) 285-4410
Check the appropriate box below if the Form 8-K filing
is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions (see General Instruction A.2 below):
¨
Written communications pursuant to Rule 425
under the Securities Act (17 CFR 230.425)
¨
Soliciting material pursuant to Rule 14a-12
under the Exchange Act (17 CFR 240.14a-12)
¨
Pre-commencement communications pursuant to Rule
14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨
Pre-commencement communications pursuant to Rule
13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Section
1 – Registrant's Business and Operations
Item 1.01. 
Entry into a Material Definitive Agreement.
On September 17, 2012, First Citizens
National Bank (the "Bank"), a wholly-owned bank subsidiary of First Citizens
Bancshares, Inc. (the "Company"), and Community First Bank ("Community First")
entered into a Purchase and Assumption Agreement (the "Agreement") that
provides for the sale of certain assets and the transfer of certain liabilities
relative to Community First's branch office located at 9045 Carothers Parkway,
Franklin, Tennessee 37067 (the "Cool Springs Branch").  Under the terms of the
Agreement, the Bank will purchase certain assets of the Cool Springs Branch,
including the real property on which the Cool Springs Branch is located (the
"Real Property"), the leases associated with the Real Property, approximately
$26 million in loans (subject to adjustment between September 17, 2012 and the
closing date) and the fixtures and equipment which are associated with the Cool
Springs Branch.  The Bank will also assume certain liabilities, including
substantially all of the deposit liabilities associated with the Cool Springs
Branch (which totaled approximately $56 million as of September 17, 2012).  The
purchase price for the assets purchased by the Bank including the Real Property
will be Community First's net book value for such assets.  The Bank will pay a
premium of 4% on the deposit liabilities assumed.  To the extent that the
liabilities assumed by the Bank exceed the value of the assets purchased by the
Bank plus the amount of the deposit premium, Community First will make a cash
payment to the Bank equal to such difference. The Agreement includes customary
representations, warranties and covenants as well as customary indemnification
and termination provisions.
The foregoing is only a brief description of
the material terms of the Agreement, does not purport to be a complete
description of the rights and obligations of the parties thereunder and is
qualified in its entirety by the terms of the Agreement, a copy of which is
attached as Exhibit 2.1 to this Current Report on Form 8-K and incorporated
herein by reference.
Item 8.01        Other Events.
On September 21, 2012, the Company and Community
First jointly issued a press release announcing the sale by Community First of
certain of the assets and liabilities of the Cool Springs Branch to the Bank.  A
copy of the press release is attached as Exhibit 99.1 to this Current Report on
Form 8-K and incorporated herein by reference.
Item 9.01        Financial
Statements and Exhibits
(d)  Exhibits.
Exhibit No.
Exhibit Description
2.1
Purchase
and Assumption Agreement, dated September 17, 2012, by and between First
Citizens National Bank and Community First Bank & Trust*
99.1
Press
release of First Citizens National Bank and Community First Bank dated
September 21, 2012.
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 hereunto duly authorized.
FIRST
CITIZENS BANCSHARES, INC.
By:
/s/ Laura Beth Butler
Laura Beth Butler
Executive Vice President, Secretary &
Chief
Financial Officer
Date:  September 21, 2012