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):  July 26, 2005

SNB BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

TEXAS	000-50904	76-0472829
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)
	14060 Southwest Freeway, Sugar Land, Texas  77478
	(Address of principal executive offices and Zip Code)

Registrant's telephone number including area code:	(281) 269-7200
(Former name or former address, if changed since last report):	Not applicable

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:
o	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01

Regulation FD Disclosure.

On July 26-27, 2005, SNB Bancshares, Inc. will present information regarding second quarter operational results to various investors at the Keefe, Bruyette & Woods Honor Roll and Sixth Annual Community Bank Investor Conference. The investor slide presentation given at these meetings is furnished as Exhibit 99.1 to this Current Report on Form 8-K. The foregoing description is qualified by reference to such exhibit.  As provided in General Instruction B.2 to Form 8-K, the information furnished in Item 7.01 and Exhibit 99.1 of this Current Report on Form 8-K shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, and such information shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01	Financial Statements and Exhibits.
	(c)  Exhibits.  The following is furnished as an exhibit to this Current Report on Form 8-K:
		Exhibit No.	Description
		99.1	Investor Slide Presentation

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.

	SNB BANCSHARES, INC.
Date:   July 26, 2005	By:	/s/ R. Darrell Brewer
		R. Darrell Brewer
		Chief Financial Officer

EXHIBIT INDEX
	Exhibit No.	Description
	99.1	Investor Slide Presentation

EX-99.1 CHARTER

6th Annual 

KBW Community Bank
Investor Conference

July 26-27, 2005

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NASDAQ: SNBT

Forward Looking Statements

This presentation may include forward-looking statements.  These forward-looking statements
include comments with respect to our objectives and strategies, and the results of our operations
and our business.

However, by their nature, these forward-looking statements involve numerous assumptions,
uncertainties and opportunities, both general and specific.  The risk exists that these statements
may not be fulfilled.  We caution readers of this presentation not to place undue reliance on these
forward-looking statements as a number of factors could cause future company results to differ
materially from these statements.

Forward-looking statements may be influenced in particular by factors such as fluctuations in
interest rates and stock indices, the effects of competition in the areas in which we operate, and
changes in economic, political, regulatory and technological conditions.  We caution that the
foregoing list is not exhaustive.

When relying on forward-looking statements to make decisions, investors should carefully consider
the aforementioned factors as well as other uncertainties and events.

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NASDAQ: SNBT

Second Quarter Highlights

	Q2 2005	Q2 2004
Earnings Per Share (Diluted)	$0.19*	$0.20**
Efficiency Ratio	54.47%	60.32%
Return on Average Assets (ROA)	0.88%	0.55%
Return on Average Equity (ROE)	10.96%	18.79%
Net Interest Margin*** (NIM)	3.33%	2.80%
Book Value	$7.05	$3.69

*** Tax Equivalent

*   2005  Weighted Average Shares Outstanding total 12.6 million (diluted)

** 2004  Weighted Average Shares Outstanding total 7.2 million (diluted)

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NASDAQ: SNBT

Opened Bellfort
National Bank

Experienced
major
economic
downturn

1991

$100        
     
million

in assets

Opened Memorial
Southwest branch

Stewart Morris invests first $1 million in
the Bank

Harvey Zinn elected CEO

Established a long-term vision

1989

Opened Sugar Land
Monticello

Installed fully
automated systems

Formed SNB
Bancshares, Inc.

20 Years of History

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NASDAQ: SNBT

2000

IPO in August at
$10.50 per share –
raised $52.2 million
in new capital

2003

2004

$1 billion
in assets

$14 million
private
equity
offering

$30 million
capital funding
through trust
preferred
securities

Opened Uptown Farmington

Opened Katy in October

20 Years of History

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NASDAQ: SNBT

* Data from FDIC Summary of Deposits Report, June 30, 2004

Company Highlights

• SNB Bancshares (“SNB”) is a fast growing commercial bank holding company
headquartered in Fort Bend County, one of the fastest growing counties in the U.S.

• SNB serves some of the most affluent markets in the Greater Houston Metropolitan
Area

• Second largest deposit market share in Fort Bend County with 16% market share and
the largest deposit market share in the City of Sugar Land with 25% of the market
share*

• Sixth largest independent commercial bank headquartered in the Greater Houston
Metropolitan Area - $84 billion banking market*

• Experienced management team with average of 24.5 years Texas commercial banking
experience at the executive level

• Solid reputation and strong brand recognition in local markets

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NASDAQ: SNBT

Currently have four
locations in the
Southwest part of
Houston Metro in
Fort Bend and
Harris Counties

Located in Fast Growing Markets

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NASDAQ: SNBT

The Components of Our Business Strategy   

— Continue and Strengthen our Community Banking
Strategy

— Continue our Expansion and Increase our Market
Share

— Maintain our Loan to Deposit Ratio

— Increase our Core Deposits

— Diversify Revenue Stream by Increasing Fee Income

— Actively Manage our Balance Sheet

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NASDAQ: SNBT

Continue our Community Banking Strategy

Unparalleled Level of Customer Service

– Old-Fashioned, Person-to-Person Customer Service

– Community-Oriented Culture

– Centralized Management

– Streamlined Decision Making

– Open Lobby Layout

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NASDAQ: SNBT

Continue our Expansion

            and Increase Market Share

• Opened the Katy Branch in October, 2004

– June 30, 2005 Deposits totaled $ 9.9 million

• Opening a Branch in Richmond, Texas

– Signed a 5-year Lease

– Expected to Open in August, 2005

• Opening a Branch that will serve as the Community Headquarters in
Katy, Texas

– In the Cinco Ranch Community

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NASDAQ: SNBT

To Expand our
Locations Around the
Houston Metro Area.

Prospective Locations:

Branch Growth Strategy

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NASDAQ: SNBT

   Actively Manage

        Our Balance Sheet

– Balance Sheet Restructuring

• $169 million of securities sold

– All with 3.07% coupon rate or less

– Weighted Average Yield of 2.76%

• Paid down $75 million of FHLB borrowings

• Reinvested $88 million in securities

– Weighted Average Yield of 4.90%

– Average Life - 4.4 years

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NASDAQ: SNBT

Strong growth in earnings

Second Quarter 2005

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NASDAQ: SNBT

*  2004  Weighted Average Shares Outstanding total 7.2 million (diluted)

** 2005 weighted Average Shares Outstanding total 12.6 million (diluted)

Second Quarter 2005

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NASDAQ: SNBT

Second Quarter 2005 Review

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Replacing high cost deposits

Second Quarter 2005

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Increasing Revenues While Managing Expenses

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Improving operational efficiency

Second Quarter 2005

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NASDAQ: SNBT

Second Quarter 2005

• Equity for Q2 2004- $25.8 million

• Equity for Q2 2005- $87.6 million

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NASDAQ: SNBT

• Average Assets for Q2 2004- $   979,886

• Average Assets for Q2 2005- $1,107,416

Second Quarter 2005

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* Tax Equivalent

Second Quarter 2005

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NASDAQ: SNBT

Allowance for Loan Losses to Period End  Total  Loans

Managing the Loan Portfolio

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NASDAQ: SNBT

(0.01%)

Second Quarter 2005 Review

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NASDAQ: SNBT

Nonperforming Assets to Total Loans and OREO

Managing the Loan Portfolio

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NASDAQ: SNBT

Continuing our Unique Community Banking Approach

§ Continuing our Old-Fashioned Customer Service

§ Expanding Branch Locations

§ Increasing Core Deposits

§ Managing the Balance Sheet

§ Continuing to be “The Community’s Bank”