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    <div><br>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">SECURITIES
        AND EXCHANGE COMMISSION</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Washington,
        D.C. 20549</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">FORM
        8-K</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CURRENT
        REPORT</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pursuant
        to Section 13 or 15(d) of the</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Securities
        Exchange Act of 1934</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date
        of
        Report: August 30, 2005</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Date
        of
        earliest event reported)</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">FIRST
        HORIZON ASSET SECURITIES INC., (as depositor under the Pooling and Servicing
        <br>Agreement, dated as of August 1, 2005, providing for the issuance of
        the
        First Horizon Mortgage <br>Pass-Through Trust 2005-AR4, Mortgage Pass-Through
        Certificates, Series 2005-AR4). </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">FIRST
        HORIZON ASSET SECURITIES INC.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Exact
        name of Registrant as specified in its charter)</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="27%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Delaware</font></div>
              </td>
              <td valign="top" width="27%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">333-125158</font></div>
              </td>
              <td valign="top" width="27%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">75-2808384</font></div>
              </td>
            </tr>
            <tr>
              <td valign="top" width="27%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(State
                  of Incorporation)</font></div>
              </td>
              <td valign="top" width="27%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Commission
                  File No.)</font></div>
              </td>
              <td valign="top" width="27%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(I.R.S.
                  Employer</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Identification
                  No.)</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td valign="top" width="50%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">4000
                  Horizon Way</font></div>
              </td>
              <td valign="top" width="50%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">75063</font></div>
              </td>
            </tr>
            <tr>
              <td valign="top" width="50%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Irving,
                  Texas</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Address
                  of Principal executive offices)</font></div>
              </td>
              <td valign="top" width="50%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(Zip
                  Code)</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Registrant&#8217;s
        Telephone Number, Including Area Code: (214) 441-4000</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div>
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td colspan="2" width="100%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Check
                the appropriate box if the Form 8-K filing is intended to simultaneously
                satisfy the filing obligation of the registrant under any of the
                following
                provisions:</font></td>
            </tr>
            <tr>
              <td width="5%"><font style="DISPLAY: inline; FONT-FAMILY: Wingdings">r</font>&#160;</td>
              <td align="justify" valign="bottom" width="95%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8234;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Written
                  communications pursuant to Rule 425 under the Securities Act (17
                  CFR
                  230.425)</font></div>
              </td>
            </tr>
            <tr>
              <td width="5%"><font face="Wingdings">r</font>&#160;</td>
              <td align="justify" valign="bottom" width="95%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Soliciting
                  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
                  240.14a-12)</font></div>
              </td>
            </tr>
            <tr>
              <td width="5%"><font face="Wingdings">r</font>&#160;</td>
              <td align="justify" valign="bottom" width="95%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pre-commencement
                  communications pursuant to Rule 14d-2(b) under the Exchange Act
                  (17 CFR
                  240.14d-2(b))</font></div>
              </td>
            </tr>
            <tr>
              <td width="5%"><font face="Wingdings">r</font>&#160;</td>
              <td align="justify" valign="bottom" width="95%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#8234;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pre-commencement
                  communications pursuant to Rule 13e-4(c) under the Exchange Act
                  (17 CFR
                  240.13e-4(c))</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
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          <div style="WIDTH: 100%; TEXT-ALIGN: center">
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          </div>
        </div>
        <div id="HDR">
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        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
        8.01.</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Other
        Events</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Reference
        is hereby made to the Registrant&#8217;s Registration Statement on Form S-3 (File No.
        333-125158) filed with the Securities and Exchange Commission (the &#8220;Commission&#8221;)
        on July 29, 2005 (the &#8220;Registration Statement&#8221;), pursuant to which the
        Registrant registered $12,000,000,000 aggregate principal amount of its mortgage
        pass-through certificates, issuable in various series, for sale in accordance
        with the provisions of the Securities Act of 1933, as amended. Reference
        is also
        hereby made to the Prospectus and the related Prospectus Supplement
        (collectively, the &#8220;Prospectus&#8221;), which was filed with the Commission pursuant
        to Rule 424(b)(5) on August 26, 2005, with respect to the Registrant&#8217;s Mortgage
        Pass-Through Certificates, Series 2005-AR4 (the &#8220;Offered
        Securities&#8221;).</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pursuant
        to a Mortgage Loan Purchase Agreement dated as of August 30, 2005 (&#8220;MLPA I&#8221;), by
        and between First Horizon Home Loan Corporation (&#8220;FHHLC&#8221;) and First Tennessee
        Bank National Association (&#8220;FTBNA&#8221;), FHHLC sold four pools of adjustable rate,
        one-to four-family residential, first lien mortgage loans (the &#8220;Mortgage Loans&#8221;)
        to FTBNA. Pursuant to a Mortgage Loan Purchase Agreement dated as of August
        30,
        2005 (&#8220;MLPA II&#8221;), by and between FTBNA and the Registrant, FTBNA sold the
        Mortgage Loans to the Registrant. Copies of MLPA I and MLPA II are filed
        herewith as </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Exhibit
        10.1</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        and
</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Exhibit
        10.2</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">,
        respectively.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
        August
        30, 2005, the Registrant caused the issuance and sale of the Offered Securities.
        The Offered Securities evidence a beneficial ownership interest in the Mortgage
        Loans. The Offered Securities were created pursuant to a Pooling and Servicing
        Agreement dated as of August 1, 2005 (the &#8220;Pooling and Servicing Agreement&#8221;) by
        and among the Registrant, as Depositor, FHHLC, as Master Servicer, and The
        Bank
        of New York, as Trustee. A copy of the Pooling and Servicing Agreement is
        filed
        herewith as </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Exhibit
        4.1</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
        </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
        Offered Securities, having an aggregate principal balance of approximately
        $421,733,100 have been sold by the Registrant to (i) FTBNA pursuant to an
        Underwriting Agreement dated as of November 20, 2003 (the &#8220;FTBNA Underwriting
        Agreement&#8221;), as supplemented by a Terms Agreement dated as of August 23, 2005
        (the &#8220;FTBNA Terms Agreement&#8221;), each by and among FTBNA, the Registrant and FHHLC
        and (ii) Banc of America Securities LLC pursuant to an Underwriting Agreement
        dated as of August 23, 2005 (the &#8220;BOA Underwriting Agreement&#8221;), as supplemented
        by a Terms Agreement dated as of August 23, 2005 (the &#8220;BOA Terms Agreement&#8221;),
        each by and among BOA, the Registrant and FHHLC. The FTBNA Underwriting
        Agreement has been previously filed with the Commission and is incorporated
        herein by reference as </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Exhibit
        1.1</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
        The BOA
        Underwriting Agreement is filed herewith as </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Exhibit
        1.2</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
        The
        FTBNA Terms Agreement and the BOA Terms Agreement are filed herewith as
</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Exhibit
        1.3</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">
        and
</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Exhibit
        1.4</u></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">,
        respectively.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div><br>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(c)</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibits</font></div>
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      <div align="center">
        <table bgcolor="#ffffff" cellpadding="0" cellspacing="0" width="100%">

            <tr bgcolor="#ffffff">
              <td width="5%">&#160;</td>
              <td width="8%"><u><font size="2">Exhibit No.</font></u></td>
              <td width="2%">&#160;</td>
              <td width="85%"><u><font size="2">Description</font></u></td>
            </tr>
            <tr bgcolor="#ffffff">
              <td width="5%">&#160;</td>
              <td width="8%">&#160;</td>
              <td width="2%">&#160;</td>
              <td width="85%">&#160;</td>
            </tr>
            <tr bgcolor="#ffffff">
              <td width="5%">&#160;</td>
              <td width="8%"><font size="2">1.1</font>&#160;</td>
              <td width="2%">&#160;</td>
              <td width="85%"><font size="2">Underwriting Agreement dated November
                20,
                2003, by and among FTBNA, the Registrant and FHHLC *</font>&#160;</td>
            </tr>
            <tr bgcolor="#ffffff">
              <td width="5%">&#160;</td>
              <td width="8%">&#160;</td>
              <td width="2%">&#160;</td>
              <td width="85%">&#160;</td>
            </tr>
            <tr bgcolor="#ffffff">
              <td width="5%">&#160;</td>
              <td width="8%"><font size="2">1.2</font>&#160;</td>
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            <tr bgcolor="#ffffff">
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              <td width="8%">&#160;</td>
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                Registrant and FHHLC</font>&#160;</td>
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            <tr bgcolor="#ffffff">
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              <td width="8%">&#160;</td>
              <td width="2%">&#160;</td>
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                Registrant and FHHLC</font></td>
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            <tr bgcolor="#ffffff">
              <td width="5%">&#160;</td>
              <td width="8%">&#160;</td>
              <td width="2%">&#160;</td>
              <td width="85%">&#160;</td>
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              <td width="85%"><font size="2">Pooling and Servicing Agreement dated
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                as
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              <td width="85%"><font size="2">Mortgage Loan Purchase Agreement dated
                as of
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                Purchaser</font></td>
            </tr>
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              <td width="5%">&#160;</td>
              <td width="8%">&#160;</td>
              <td width="2%">&#160;</td>
              <td width="85%">&#160;</td>
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              <td width="85%"><font size="2">Mortgage Loan Purchase Agreement dated
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            </tr>

        </table>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font size="2">*
        Previously filed with the Commission on December
        15, 2003, as Exhibit 1.1 to the Registrant&#8217;s Current Report on Form 8-K (No.
        333-73524 )</font><br></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pursuant
        to the requirements of the Securities Exchange Act of 1934, the Registrant
        as of
        the date first written above has duly caused this Report to be signed on
        its
        behalf by the undersigned hereunto duly authorized.</font></div>
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            <tr valign="top" bgcolor="#ffffff">
              <td width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
              <td width="1%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
              <td width="49%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
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                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">FIRST
                  HORIZON ASSET SECURITIES INC.</font></div>
              </td>
            </tr>
            <tr valign="top" bgcolor="#ffffff">
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;<br>&#160;</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;<br>&#160;</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;<br>&#160;</font></td>
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              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">September
                7, 2005</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">By:&#160;&#160;</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>/s/
                Alfred
                Chang&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                </u></font></td>
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            <tr valign="top" bgcolor="#ffffff">
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              <td align="left"><font size="2">Alfred Chang</font></td>
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            <tr valign="top" bgcolor="#ffffff">
              <td colspan="2"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Vice
                President</font></td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Signature
          Page for Form 8-K</font></div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(2005-AR4
          Issuance of Certificates)</font></div>
      </div>
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        <div id="FTR">
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          <div style="WIDTH: 100%; TEXT-ALIGN: center">&#160;</div>
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        TO
        EXHIBITS</font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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          <table bgcolor="#ffffff" cellpadding="0" cellspacing="0" width="100%">

              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%"><u><font size="2">Exhibit No.</font></u></td>
                <td width="2%">&#160;</td>
                <td width="85%"><u><font size="2">Description</font></u></td>
              </tr>
              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%">&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%">&#160;</td>
              </tr>
              <tr bgcolor="#ffffff">
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                <td width="8%"><font size="2">1.1</font>&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%"><font size="2">Underwriting Agreement dated November
                  20,
                  2003, by and among FTBNA, the Registrant and FHHLC *</font>&#160;</td>
              </tr>
              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%">&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%">&#160;</td>
              </tr>
              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%"><font size="2">1.2</font>&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%"><font size="2">Underwriting Agreement dated August
                  23, 2005,
                  by and among BOA, the Registrant and FHHLC&#160;</font>&#160;</td>
              </tr>
              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%">&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%">&#160;</td>
              </tr>
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                <td width="8%"><font size="2">1.3</font>&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%"><font size="2">Terms Agreement dated August 23,
                  2005 to
                  Underwriting Agreement dated November 20, 2003, by and among FTBNA,
                  the
                  Registrant and FHHLC</font>&#160;</td>
              </tr>
              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%">&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%">&#160;</td>
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                <td width="2%">&#160;</td>
                <td width="85%"><font size="2">Terms Agreement dated August 23,
                  2005 to
                  Underwriting Agreement dated August 23, 2005, by and among BOA,
                  the
                  Registrant and FHHLC</font></td>
              </tr>
              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%">&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%">&#160;</td>
              </tr>
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                <td width="5%">&#160;</td>
                <td valign="top" width="8%"><font size="2">4.1</font></td>
                <td width="2%">&#160;</td>
                <td width="85%"><font size="2">Pooling and Servicing Agreement
                  dated as of
                  August 1, 2005, by and among the Registrant, as Depositor, FHHLC,
                  as
                  Master Servicer, and The Bank of New York, as Trustee</font></td>
              </tr>
              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%">&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%">&#160;</td>
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                <td width="8%"><font size="2">10.1</font></td>
                <td width="2%">&#160;</td>
                <td width="85%"><font size="2">Mortgage Loan Purchase Agreement
                  dated as of
                  August 30, 2005, by and between FHHLC, as Seller, and FTBNA, as
                  Purchaser</font></td>
              </tr>
              <tr bgcolor="#ffffff">
                <td width="5%">&#160;</td>
                <td width="8%">&#160;</td>
                <td width="2%">&#160;</td>
                <td width="85%">&#160;</td>
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                <td width="2%">&#160;</td>
                <td width="85%"><font size="2">Mortgage Loan Purchase Agreement
                  dated as of
                  August 30, 2005, by and between FTBNA, as Seller, and the Registrant,
                  as
                  Purchaser </font></td>
              </tr>

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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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{"company-data": {"conformed-name": "FIRST HORIZON ASSET SECURITIES INC", "cik": "0001081915", "assigned-sic": "6189", "irs-number": "752808384", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-74467", "film-number": "051071920"}, "business-address": {"street1": "4000 HORIZON WAY", "city": "IRVING", "state": "TX", "zip": "75063", "phone": "9724845600"}, "mail-address": {"street1": "4000 HORIZON WAY", "city": "IRVING", "state": "TX", "zip": "78063"}}
Unassociated Document
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: August 30, 2005
(Date
        of
        earliest event reported)
FIRST
        HORIZON ASSET SECURITIES INC., (as depositor under the Pooling and Servicing
Agreement, dated as of August 1, 2005, providing for the issuance of
        the
        First Horizon Mortgage
Pass-Through Trust 2005-AR4, Mortgage Pass-Through
        Certificates, Series 2005-AR4).
FIRST
        HORIZON ASSET SECURITIES INC.
(Exact
        name of Registrant as specified in its charter)
Delaware
333-125158
75-2808384
(State
                  of Incorporation)
(Commission
                  File No.)
(I.R.S.
                  Employer
Identification
                  No.)
4000
                  Horizon Way
75063
Irving,
                  Texas
(Address
                  of Principal executive offices)
(Zip
                  Code)
Registrant's
        Telephone Number, Including Area Code: (214) 441-4000
Check
                the appropriate box if the Form 8-K filing is intended to simultaneously
                satisfy the filing obligation of the registrant under any of the
                following
                provisions:
r
‪
Written
                  communications pursuant to Rule 425 under the Securities Act (17
                  CFR
                  230.425)
r
Soliciting
                  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
                  240.14a-12)
r
Pre-commencement
                  communications pursuant to Rule 14d-2(b) under the Exchange Act
                  (17 CFR
                  240.14d-2(b))
r
‪
Pre-commencement
                  communications pursuant to Rule 13e-4(c) under the Exchange Act
                  (17 CFR
                  240.13e-4(c))
Item
        8.01.
Other
        Events
.
Reference
        is hereby made to the Registrant's Registration Statement on Form S-3 (File No.
        333-125158) filed with the Securities and Exchange Commission (the "Commission")
        on July 29, 2005 (the "Registration Statement"), pursuant to which the
        Registrant registered $12,000,000,000 aggregate principal amount of its mortgage
        pass-through certificates, issuable in various series, for sale in accordance
        with the provisions of the Securities Act of 1933, as amended. Reference
        is also
        hereby made to the Prospectus and the related Prospectus Supplement
        (collectively, the "Prospectus"), which was filed with the Commission pursuant
        to Rule 424(b)(5) on August 26, 2005, with respect to the Registrant's Mortgage
        Pass-Through Certificates, Series 2005-AR4 (the "Offered
        Securities").
Pursuant
        to a Mortgage Loan Purchase Agreement dated as of August 30, 2005 ("MLPA I"), by
        and between First Horizon Home Loan Corporation ("FHHLC") and First Tennessee
        Bank National Association ("FTBNA"), FHHLC sold four pools of adjustable rate,
        one-to four-family residential, first lien mortgage loans (the "Mortgage Loans")
        to FTBNA. Pursuant to a Mortgage Loan Purchase Agreement dated as of August
        30,
        2005 ("MLPA II"), by and between FTBNA and the Registrant, FTBNA sold the
        Mortgage Loans to the Registrant. Copies of MLPA I and MLPA II are filed
        herewith as
Exhibit
        10.1
and
Exhibit
        10.2
,
        respectively.
On
        August
        30, 2005, the Registrant caused the issuance and sale of the Offered Securities.
        The Offered Securities evidence a beneficial ownership interest in the Mortgage
        Loans. The Offered Securities were created pursuant to a Pooling and Servicing
        Agreement dated as of August 1, 2005 (the "Pooling and Servicing Agreement") by
        and among the Registrant, as Depositor, FHHLC, as Master Servicer, and The
        Bank
        of New York, as Trustee. A copy of the Pooling and Servicing Agreement is
        filed
        herewith as
Exhibit
        4.1
.
The
        Offered Securities, having an aggregate principal balance of approximately
        $421,733,100 have been sold by the Registrant to (i) FTBNA pursuant to an
        Underwriting Agreement dated as of November 20, 2003 (the "FTBNA Underwriting
        Agreement"), as supplemented by a Terms Agreement dated as of August 23, 2005
        (the "FTBNA Terms Agreement"), each by and among FTBNA, the Registrant and FHHLC
        and (ii) Banc of America Securities LLC pursuant to an Underwriting Agreement
        dated as of August 23, 2005 (the "BOA Underwriting Agreement"), as supplemented
        by a Terms Agreement dated as of August 23, 2005 (the "BOA Terms Agreement"),
        each by and among BOA, the Registrant and FHHLC. The FTBNA Underwriting
        Agreement has been previously filed with the Commission and is incorporated
        herein by reference as
Exhibit
        1.1
.
        The BOA
        Underwriting Agreement is filed herewith as
Exhibit
        1.2
.
        The
        FTBNA Terms Agreement and the BOA Terms Agreement are filed herewith as
Exhibit
        1.3
and
Exhibit
        1.4
,
        respectively.
Item
        9.01
Financial
        Statements and Exhibits
.
(c)
Exhibits
Exhibit No.
Description
1.1
Underwriting Agreement dated November
                20,
                2003, by and among FTBNA, the Registrant and FHHLC *
1.2
Underwriting Agreement dated August
                23, 2005,
                by and among BOA, the Registrant and FHHLC
1.3
Terms Agreement dated August 23, 2005
                to
                Underwriting Agreement dated November 20, 2003, by and among FTBNA,
                the
                Registrant and FHHLC
1.4
Terms Agreement dated August 23, 2005
                to
                Underwriting Agreement dated August 23, 2005, by and among BOA, the
                Registrant and FHHLC
4.1
Pooling and Servicing Agreement dated
                as of
                August 1, 2005, by and among the Registrant, as Depositor, FHHLC,
                as
                Master Servicer, and The Bank of New York, as Trustee
10.1
Mortgage Loan Purchase Agreement dated
                as of
                August 30, 2005, by and between FHHLC, as Seller, and FTBNA, as
                Purchaser
10.2
Mortgage Loan Purchase Agreement dated
                as of
                August 30, 2005, by and between FTBNA, as Seller, and the Registrant,
                as
                Purchaser
*
        Previously filed with the Commission on December
        15, 2003, as Exhibit 1.1 to the Registrant's Current Report on Form 8-K (No.
        333-73524 )
Signatures
Pursuant
        to the requirements of the Securities Exchange Act of 1934, the Registrant
        as of
        the date first written above has duly caused this Report to be signed on
        its
        behalf by the undersigned hereunto duly authorized.
FIRST
                  HORIZON ASSET SECURITIES INC.
September
                7, 2005
By:
/s/
                Alfred
                Chang
Alfred Chang
Vice
                President
Signature
          Page for Form 8-K
(2005-AR4
          Issuance of Certificates)
INDEX
        TO
        EXHIBITS
Exhibit No.
Description
1.1
Underwriting Agreement dated November
                  20,
                  2003, by and among FTBNA, the Registrant and FHHLC *
1.2
Underwriting Agreement dated August
                  23, 2005,
                  by and among BOA, the Registrant and FHHLC
1.3
Terms Agreement dated August 23,
                  2005 to
                  Underwriting Agreement dated November 20, 2003, by and among FTBNA,
                  the
                  Registrant and FHHLC
1.4
Terms Agreement dated August 23,
                  2005 to
                  Underwriting Agreement dated August 23, 2005, by and among BOA,
                  the
                  Registrant and FHHLC
4.1
Pooling and Servicing Agreement
                  dated as of
                  August 1, 2005, by and among the Registrant, as Depositor, FHHLC,
                  as
                  Master Servicer, and The Bank of New York, as Trustee
10.1
Mortgage Loan Purchase Agreement
                  dated as of
                  August 30, 2005, by and between FHHLC, as Seller, and FTBNA, as
                  Purchaser
10.2
Mortgage Loan Purchase Agreement
                  dated as of
                  August 30, 2005, by and between FTBNA, as Seller, and the Registrant,
                  as
                  Purchaser