U.S. SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 4 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(f) of the Investment Company Act of 1940 [_] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). (Print or Type Response) - ------------------------------------------------------------------------------ 1. Name and Address of Reporting Person* Jones William S. - ------------------------------------------------------------------------------ (Last) (First) (Middle) 2942 Longford Drive - ------------------------------------------------------------------------------ (Street) Murfreesboro, TN 37129 - ------------------------------------------------------------------------------ (City) (State) (Zip) - ------------------------------------------------------------------------------ 2. Issuer Name and Ticker or Trading Symbol Cavalry Bancorp, Inc. (CAVB) - ------------------------------------------------------------------------------ 3. IRS Identification Number of Reporting Person, if an Entity (Voluntary) - ------------------------------------------------------------------------------ 4. Statement for Month/Year February, 2003 - ------------------------------------------------------------------------------ 5. If Amendment, Date of Original (Month/Year) - ------------------------------------------------------------------------------ 6. Relationship of Reporting Person to Issuer (Check all applicable) [_] Director [_] 10% Owner [X] Officer (give title below) [_] Other (specify below) Executive Vice President - ------------------------------------------------------------------------------ 7. Individual or Joint/Group Filing (Check applicable line) [X] Form filed by one Reporting Person [_] Form filed by more than one Reporting Person - ------------------------------------------------------------------------------ ================================================================================ Table I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned ================================================================================

(Over) FORM 4 (continued) ================================================================================ Table II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities) ================================================================================

Explanation of Responses: /s/ William S. Jones February 13, 2003 - --------------------------------------------- -------------------- **Signature of Reporting Person Date Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. * If the Form is filed by more than one Reporting Person, see Instruction 4(b)(v). ** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). Note: File three copies of this Form, one of which must be manually signed. If space provided is insufficient, see Instruction 6 for procedure. Page 2

JONES WILLIAM S 4