EXHIBIT 99.1

14060 Southwest Freeway

Sugar Land, Texas 77478

For More Information, Contact

Southern National Bank of Texas

R. Darrell Brewer, CFO

(281) 269-7271

www.snbtx.com

NEWS RELEASE

FOR IMMEDIATE RELEASE

SNB Bancshares, Inc. Announces Third Quarter 2005 Results

·	Net Earnings for the Third Quarter up 19.6% to $2.2 million

·	Third Quarter Average Loans up 23.5%

SUGAR LAND, TEXAS (October 27, 2005) - SNB Bancshares, Inc. (NASDAQ: SNBT), a Sugar Land bank holding company and the parent company of Southern National Bank of Texas, a community-oriented, independent bank with offices in both Harris and Fort Bend Counties, today reported strong growth in net earnings for the third quarter 2005 compared with the same quarter a year ago. Net earnings for the quarter ended September 30, 2005 were $2.2 million or $0.17 per diluted share, an increase in net earnings of $356 thousand or 19.6% compared with $1.8 million or $0.19 per diluted share for the third quarter of 2004. Notwithstanding the increase in net earnings, the slight decrease in diluted earnings per share for the third quarter of 2005 compared with the same period in 2004 was the result of the comparative impact of the 5.4 million shares of common stock issued in connection with our initial public offering in August 2004. For computation of diluted earnings per share, weighted average shares of common stock and Class B stock outstanding during the third quarter of 2005 were 12.6 million compared with 9.3 million weighted average shares outstanding during the third quarter of 2004.

Net earnings for the nine months ended September 30, 2005 were $2.3 million, a decrease of $2.2 million or 47.9% compared with $4.5 million for the same period in 2004. This decrease in net earnings for the nine months ended September 30, 2005 as compared with the nine months ended September 30, 2004 is primarily the result of the balance sheet restructuring plan initiated during March 2005 which resulted in an impairment writedown loss of approximately $6.1 million before tax, or approximately $4.1 million net of tax, during the quarter ended March 31, 2005 on approximately $169 million of securities identified for sale from our available-for-sale securities portfolio. Diluted earnings per share for the nine months ended September 30, 2005, were $0.19 on 12.6 million shares compared with $0.57 on 7.9 million shares for the same period of 2004. Year-to-date earnings per share comparisons are also affected by the increased number of shares outstanding as a result of our initial public offering in August 2004.

“Previously issued earnings releases and other documents filed with the Securities and Exchange Commission discussed more fully this first quarter restructuring and de-leveraging of our balance sheet and the associated impairment charge,” said R. Darrell Brewer, Treasurer and Chief Financial Officer.

Net earnings for the nine months ended September 30, 2005, excluding the first quarter’s non-recurring after-tax impairment writedown loss of $4.1 million or $0.32 per basic share, would have been $6.4 million, a 42.2% increase compared with $4.5 million in the same period of 2004. Diluted earnings per share, excluding the non-recurring impairment writedown loss, would have been $0.51 on 12.6 million shares for the nine months ended September 30, 2005 compared with $0.57 per share on 7.9 million shares for the same period of 2004.

Net earnings excluding the non-recurring impairment writedown loss and diluted earnings per share excluding the non-recurring impairment writedown loss are considered non-GAAP financial measures as defined under the rules and regulations of the Securities and Exchange Commission. Management believes that this presentation of net earnings and diluted earnings per share excluding such charge should clarify investors' understanding of the Company’s earnings performance during the nine months ended September 30, 2005 compared with the same period of 2004

THIRD QUARTER RESULTS

Net earnings for the quarter ended September 30, 2005 of $2.2 million or $0.17 per diluted share, represented an increase in net earnings of $356 thousand or 19.6% compared with $1.8 million or $0.19 per diluted share for the third quarter of 2004. This $356 thousand increase in net earnings was the result of an $897 thousand increase in net interest income, partially offset by a $152 thousand decrease in total noninterest income, a $216 thousand increase in total noninterest expense and a $198 thousand increase in our provision for income taxes.

During the third quarter 2005, strong loan growth and improving yields from the loan portfolio helped offset higher cost of funds. Since June 2004, the Fed funds rate increased from 1.00% to 2.25% by year-end 2004, and to 3.75% at September 30, 2005. The Wall Street Journal prime rate has followed suit, its rate increasing from 4.00% to 5.25% by year-end 2004, and to 6.75% at September 30, 2005. Notwithstanding this significant increase in short term interest rates over the past fifteen months, our net interest margin on a tax equivalent basis in the third quarter of 2005 expanded 29 basis points to 3.14% compared with 2.85% for the third quarter of 2004. However, we remain a liability sensitive bank, and rising interest rates have caused our net interest margin to decrease 19 basis points from 3.33% for the linked quarter ended June 30, 2005.

Net Interest Income

Net interest income for the third quarter of 2005 increased by $897 thousand or 11.9% to $8.5 million compared with $7.6 million for the same period in 2004. Total interest income increased by $3.3 million to $15.6 million for the third quarter of 2005 compared with $12.3 million for the same quarter in 2004, partially offset by a $2.5 million increase in total interest expense to $7.2 million for the third quarter of 2005 compared with $4.7 million for the same quarter in 2004. The $3.3 million increase in total interest income was primarily due to a $3.5 million increase in loan interest income, resulting from a 23.5% increase in volume of average loans outstanding combined with a 97 basis point increase in the average yield on loans. The average balance of loans in the third quarter of 2005 increased $125.1 million to $658.8 million compared with $533.7 million for the same period in 2004, while the average yield on loans increased to 6.86% from 5.89%. The $2.5 million increase in total interest expense was principally the result of a 112 basis point increase in average rates on interest-bearing liabilities to 3.15% in the third quarter of 2005 compared with 2.03% in the third quarter of 2004. The average balance of interest-bearing liabilities decreased $19.9 million in the third quarter of 2005 compared with the third quarter of 2004.

The provision for loan losses in the third quarter of 2005 was $600 thousand, a $25 thousand decrease compared with $625 thousand in the third quarter of 2004. Net interest income after provision for loan losses increased $922 thousand or 13.3% to $7.9 million for the third quarter of 2005 compared with $6.9 million in the same period in 2004.

Noninterest Income

Noninterest income totaled $391 thousand in the third quarter of 2005 compared with $543 thousand in the third quarter of 2004, a decrease of $152 thousand primarily as a result of reduced gains on sales of securities. We posted $197 thousand in gains on the sale of securities in the third quarter of 2004 compared with no sales of securities during the same period in 2005.

Noninterest Expense

Noninterest expense in the third quarter of 2005 increased $216 thousand or 4.6% to $4.9 million compared with $4.7 million in the third quarter of 2004, primarily due to increases in data processing expenses and higher legal and professional fees associated with being a publicly traded company, including Sarbanes-Oxley compliance costs, partially offset by reduced salaries and employee benefit expenses, net occupancy expenses and other expenses.

RESULTS FOR NINE MONTHS ENDED SEPTEMBER 30, 2005

Net earnings for the nine months ended September 30, 2005 were $2.3 million or $0.19 per diluted share, a decrease of $2.2 million or 47.9%, compared with $4.5 million or $0.57 per diluted share for same period in 2004. This decrease in net earnings for the nine months ended September 30, 2005 compared with the same period in 2004 is primarily the result of our balance sheet restructuring plan which resulted in a non-recurring impairment writedown loss of approximately $6.1 million before tax (approximately $4.1 million after tax) during the quarter ended March 31, 2005. This $6.1 million non-recurring impairment writedown loss, combined with a decrease in gains on sales of securities of $572 thousand and a $1.4 million increase in noninterest expenses, was partially offset by a $4.3 million increase in net interest income, a $1.1 million decrease in the provision for Federal income taxes and a $425 thousand decrease in the provision for loan losses.

Diluted earnings per share excluding the non-recurring impairment writedown loss would have been $0.51 on 12.6 million shares for the nine months ended September 30, 2005 compared with $0.57 per share on 7.9 million shares for the same period of 2004.

Net Interest Income

For the nine months ended September 30, 2005, net interest income increased by $4.3 million or 20.8% to $25.0 million compared with $20.7 million for the same period in 2004. This increase is primarily due to a 31.4% increase in average loans outstanding, along with an 80 basis point increase in the average yield on loans outstanding, partially offset by an 88 basis point increase in weighted average rates on total interest-bearing liabilities.

Total interest income increased by $10.7 million to $44.1 million for the nine months ended September 30, 2005 compared with $33.4 million for the same period in 2004, partially offset by a $6.4 million increase in total interest expense to $19.1 million for the nine months ended September 30, 2005 compared with $12.7 million for the same period in 2004. The $10.7 million increase in total interest income was primarily due to a $10.6 million increase in loan interest income, resulting from a 31.4% increase in volume of average loans outstanding combined with an 80 basis point increase in the average yield on loans. The average balance of loans for the nine months ended September 30, 2005 increased $152.6 million to $638.1 million compared with $485.5 million for the same period in 2004, while the average yield on loans increased to 6.65% from 5.85%.

The $6.4 million increase in total interest expense for the nine months ended September 30, 2005 was principally the result of an 88 basis point increase in weighted average rates on total interest-bearing liabilities. The weighted average rate on total interest bearing liabilities increased to 2.83% for the nine months ended September 30, 2005 compared with 1.95% for the same period in 2004, while the average balance of interest-bearing liabilities increased $33.8 million to $904.3 million for the nine months ended September 30, 2005 compared with $870.5 million for the same period of 2004. Our net interest margin on a tax equivalent basis increased 31 basis points to 3.12% for the nine months ended September 30, 2005 compared with 2.81% for the same period in 2004.

Noninterest Income

For the nine months ended September 30, 2005, noninterest income decreased by $6.6 million to a negative $4.8 million compared with noninterest income of $1.8 million for the same period of 2004, principally as a result of the $6.1 million non-recurring impairment writedown loss in connection with the balance sheet restructuring plan and a decrease of $572 thousand in gains on sales of securities.

Noninterest Expense

Noninterest expense for the nine months ended September 30, 2005 was $14.7 million compared with $13.4 million for the same period in 2004, an increase of $1.3 million or 10.4%, primarily due to a $589 thousand increase in legal and professional fees, a $443 thousand increase in data processing expenses and a $393 thousand increase in salaries and employee benefits.

BALANCE SHEET REVIEW

Assets at September 30, 2005 were $1.1 billion, up 2.4% from September 30, 2004 and down 1.0% from December 31, 2004, principally as a result of the balance sheet restructuring plan. As of September 30, 2005, total loans were up $104.8 million or 18.9% to $658.0 million compared with $553.2 million as of September 30, 2004 and down 0.8% from $664.9 million at June 30, 2005.

- 2 -

Commented Harvey Zinn, President and Chief Executive Officer, “Although our loans were down slightly from the end of the second quarter, our average loan growth continues. For the three months ended September 30, 2005, our loans averaged $658.8 million, up from $641.7 million for the linked second quarter of 2005 and up $125.2 million or 23.5% from the average for the three months ended September 30, 2004. For the nine months ended September 30, 2005, our loans averaged $638.1 million, up $152.6 million or 31.4% compared with average loans of $485.5 million for the nine months ended September 30, 2004.”

Commercial mortgage loans accounted for 46.6% of the loan portfolio compared with 47.1% at September 30, 2004 and construction and land development loans accounted for 21.0% of the loan portfolio compared with 19.3% at September 30, 2004.

Average deposits in the first nine months of 2005 increased 1.2% to $826.7 million compared with $816.7 million for the first nine months of 2004. Noninterest-bearing demand deposits increased 8.1% and lower cost NOW, savings and money market accounts increased 2.7%, more than offsetting the 2.0% decline in higher cost time deposits. “We continued our strategy of allowing broker and internet deposits to run off upon maturity, as these higher costing deposits decreased approximately $72.4 million to $9.4 million at September 30, 2005 compared with $81.8 million at September 30, 2004. We remain focused on our business strategy of providing exceptional service to our community, allowing us to retain our core deposit customers,” Brewer stated.

Shareholders’ equity at September 30, 2005 was $88.3 million compared with $86.1 million at September 30, 2004. Book value per share was $7.10 at September 30, 2005, compared with $6.92 at September 30, 2004.

ASSET QUALITY

Nonperforming assets as of September 30, 2005 were $11.8 million, an increase of $5.4 million compared with $6.4 million as of September 30, 2004, principally as a result of an increase of $7.2 million in nonaccrual loans, partially offset by a decrease in other real estate owned of $1.7 million to $490 thousand at September 30, 2005 compared with $2.2 million at September 30, 2004. The $7.2 million increase in nonaccrual loans was primarily the result of two real estate loans and one business and industrial loan. The business and industrial loan, collateralized by furniture, fixtures and equipment and by accounts receivable, in the amount of approximately $3.9 million was placed on nonaccrual status during June 2005. Although this loan is performing in accordance with its terms, management was concerned about its future performance and therefore placed it on nonaccrual status. The two real estate loans, both related to the same guarantor and placed on nonaccrual status in February 2005, consisted of one loan in the amount of $2.4 million secured by multi-family real estate and another loan in the amount of $711 thousand secured by commercial real estate. Although these two loans are performing in accordance with their terms, management was concerned about the cash flow of the related properties and the financial status of the related guarantor.

As a percentage of total loans and other real estate owned, nonperforming assets were 1.79% at September 30, 2005, compared with 1.15% at September 30, 2004. At June 30, 2005, nonperforming assets were $10.7 million, or 1.61% of total loans and other real estate owned.

During the nine months ended September 30, 2005, we recorded a provision for loan losses of $1.9 million compared with $2.3 million for the same period in 2004. Although the provision recorded in 2005 is less than the same period in 2004, the allowance for loan losses as a percentage of total loans at September 30, 2005 increased to 1.40% compared with 1.35% at September 30, 2004.

FRANCHISE GROWTH

“Our Katy branch has been open for approximately one year and continues to meet our goals, with deposit growth of approximately $1 million per month,” said Zinn. “Our Pecan Grove location, housed in leased space in Richmond, Texas just southwest of Sugar Land, opened on September 30, 2005. In addition, we expect our Cinco Ranch location in Katy, Texas to open during 2006. Additionally, in September, 2005, we became the depository for two school districts, Katy Independent School District and Fort Bend Independent School District.”

THE COMPANY

SNB Bancshares, Inc. is a bank holding company headquartered approximately 15 miles southwest of downtown Houston in Sugar Land, Texas, the largest city in fast growing Fort Bend County. The Company, with total assets of $1.1 billion, total loans of $658.0 million, total deposits of $738.3 million and total shareholders’ equity of $88.3 million, as of September 30, 2005, has five full-service branches and two drive-through locations in Harris and Fort Bend Counties.

Notice under the Private Securities Litigation Reform Act of 1995

Except for historical information contained herein, this press release may constitute forward-looking statements for the purposes of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, and as such, may involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to be materially different from the results, performance or achievements expressed or implied by such forward-looking statements. The Company intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Act of 1995, and is including this statement for purposes of said safe harbor provisions.

The Company’s actual results may differ materially from the results anticipated in these forward-looking statements due to a variety of factors, including, without limitation, the following: (a) the effects of future economic and business conditions on the Company and our customers; (b) changes in governmental legislation and regulations; (c) the risks of changes in interest rates; (d) competition from other banks and financial institutions for customer deposits and loans; (e) the failure of assumptions underlying the establishment of reserves for loan losses; (f) changes in the levels of loan prepayments and the resulting effects on the value of the Company’s loan portfolio; (g) the failure of assumptions underlying the establishment of and provisions made to the allowance for loan losses; (h) the effect of changes in accounting policies and practices which may be adopted by regulatory agencies and/or the Financial Accounting Standards Board; (i) technological changes; (j) acquisition and integration of acquired businesses; (k) the loss of senior management or operating personnel and the potential inability to hire qualified personnel at reasonable compensation levels; (l) acts of terrorism; and (m) other risks and uncertainties listed from time to time in the Company’s reports and other documents filed with the Securities and Exchange Commission.

Contacts:	R. Darrell Brewer, CFO	Whitney Rowe, Investor Relations & Corporate Secretary
	(281) 269-7271	(281) 269-7220
	brewerd@snbtx.com	rowew@snbtx.com

- 3 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands, except outstanding shares

and per share data)

(Unaudited)

	For the Three Months							For the Nine Months
	Ended September 30,							Ended September 30,
	2005		2004		% chg			2005			2004		% chg
EARNINGS SUMMARY:
Net earnings	$	2,174	$	1,818		19.6	%	$	2,343		$	4,494		(47.9	)%

Basic earnings per share	$	0.17	$	0.20		(12.1	)	$	0.19		$	0.58		(67.7	)
Diluted earnings per share		0.17		0.19		(10.5	)		0.19			0.57		(66.7	)

Weighted average shares outstanding:
Common stock		9,782,761		6,456,156		51.5			9,767,868			4,738,974		106.1
Class B stock		2,652,475		2,680,521		(1.0	)		2,666,993			2,974,458		(10.3	)
Total		12,435,236		9,136,677		36.1			12,434,861			7,713,432		61.2

Shares outstanding at end of period:
Common stock		9,782,878		9,750,312		0.3			9,782,878			9,750,312		0.3
Class B stock		2,652,475		2,680,041		(1.0	)		2,652,475			2,680,041		(1.0	)
Total		12,435,353		12,430,353		0.0			12,435,353			12,430,353		0.0

EARNINGS STATEMENT DATA:
Interest income:
Loans	$	11,551	$	8,031		43.8	%	$	32,167		$	21,617		48.8	%
Securities:
Taxable		3,845		4,184		(8.1	)		11,364			11,535		(1.5	)
Nontaxable		197		50		294.0			489			91		437.4
Federal funds sold and earning deposits		41		14		192.9			102			135		(24.4	)
Total interest income		15,634		12,279		27.3			44,122			33,378		32.2

Interest expense:
Demand deposits		1,860		1,215		53.1			5,354			3,190		67.8
Certificates and other time deposits		2,899		2,179		33.0			8,335			6,708		24.3
Junior subordinated debentures		701		566		23.9			1,996			1,603		24.5
Other borrowings		1,711		753		127.2			3,479			1,209		187.8
Total interest expense		7,171		4,713		52.2			19,164			12,710		50.8

Net interest income		8,463		7,566		11.9			24,958			20,668		20.8
Provision for loan losses		600		625		(4.0	)		1,850			2,275		(18.7	)
Net interest income after provision		7,863		6,941		13.3			23,108			18,393		25.6

Noninterest income:
Service charges on deposit accounts		195		193		1.6			646			623		3.7
Gain on sale of securities-net		-		197		(100.0	)		128			700		(81.7	)
Impairment write-down of securities		-		-		-			(6,144	)		-		-
Other		196		153		27.5			572			453		26.3
Total noninterest income		391		543		(28.0	)		(4,798	)		1,776		(370.2	)

Noninterest Expense:
Salaries and employee benefits		2,912		2,944		(1.1	)		8,779			8,386		4.7
Net occupancy expense		477		494		(3.4	)		1,322			1,382		(4.3	)
Data processing		457		284		60.9			1,284			841		52.7
Legal and professional fees		295		158		86.7			1,037			448		131.5
FDIC deposit insurance premium		29		31		(6.5	)		89			84		6.0
Other		777		820		(5.2	)		2,235			2,221		0.6
Total noninterest expense		4,947		4,731		4.6			14,746			13,362		10.4

Earnings before income taxes		3,307		2,753		20.1			3,564			6,807		(47.6	)
Provision for income taxes		1,133		935		21.2			1,221			2,313		(47.2	)
Net earnings	$	2,174	$	1,818		19.6	%	$	2,343		$	4,494		(47.9	)%

- 4 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands, except outstanding shares

and per share data)

(Unaudited)

	Q3		Q2		Q1			Q4		Q3
		2005		2005		2005			2004		2004
EARNINGS STATEMENT DATA:
Interest income:
Loans	$	11,551	$	10,819	$	9,797		$	9,153	$	8,031
Securities:
Taxable		3,845		3,593		3,926			3,992		4,184
Nontaxable		197		159		133			111		50
Federal funds sold and earning deposits		41		47		14			19		14
Total interest income		15,634		14,618		13,870			13,275		12,279

Interest expense:
Demand deposits		1,860		1,708		1,786			1,323		1,215
Certificates and other time deposits		2,899		2,768		2,668			2,333		2,179
Junior subordinated debentures		701		671		624			592		566
Other borrowings		1,711		885		883			1,047		753
Total interest expense		7,171		6,032		5,961			5,295		4,713

Net interest income		8,463		8,586		7,909			7,980		7,566
Provision for loan losses		600		650		600			675		625

Net interest income after provision		7,863		7,936		7,309			7,305		6,941

Noninterest income:
Service charges on deposit accounts		195		228		223			163		193
Gain on sale of securities-net		-		128		-			-		197
Impairment write-down of securities		-		-		(6,144	)		-		-
Other		196		189		187			182		153
Total noninterest income		391		545		(5,734	)		345		543

Noninterest Expense:
Salaries and employee benefits		2,912		2,934		2,933			2,980		2,944
Net occupancy expense		477		440		405			480		494
Data processing		457		414		413			377		284
Legal and professional fees		295		353		389			205		158
FDIC deposit insurance premium		29		31		29			31		31
Other		777		732		726			1,388		820
Total noninterest expense		4,947		4,904		4,895			5,461		4,731

Earnings (loss) before income taxes		3,307		3,577		(3,320	)		2,189		2,753
Provision (benefit) for income taxes		1,133		1,222		(1,134	)		736		935
Net earnings (loss)	$	2,174	$	2,355	$	(2,186	)	$	1,453	$	1,818


Basic EPS	$	0.17	$	0.19	$	(0.18	)	$	0.12	$	0.20
Diluted EPS		0.17		0.19		(0.17	)		0.11		0.19

Weighted average shares outstanding:
Common stock		9,782,761		9,764,858		9,755,689			9,752,284		6,456,156
Class B stock		2,652,475		2,670,095		2,678,696			2,679,498		2,680,521
Total		12,435,236		12,434,953		12,434,385			12,431,782		9,136,677

- 5 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands)

(Unaudited)

		Q3			Q3					YTD			YTD
		2005			2004		% chg			2005			2004		% chg
BALANCE SHEET AVERAGES:
Loans	$	658,760		$	533,607		23.5	%	$	638,095		$	485,532		31.4	%
Allowance for loan losses		(9,414	)		(7,258	)	29.7			(8,945	)		(6,572	)	36.1
Loans, net		649,346			526,349		23.4			629,150			478,960		31.4
Investment securities		406,438			517,041		(21.4	)		426,444			478,067		(10.8	)
Federal funds sold		3,449			816		322.7			1,894			11,446		(83.5	)
Interest-earning deposits in other financial institutions		1,106			2,985		(62.9	)		2,375			7,168		(66.9	)
Cash and due from banks		19,831			13,116		51.2			17,366			15,269		13.7
Premises and equipment		20,702			13,061		58.5			18,645			12,799		45.7
Accrued interest receivable and other assets		13,330			15,542		(14.2	)		13,829			12,921		7.0
Total assets	$	1,114,202		$	1,088,910		2.3	%	$	1,109,703		$	1,016,630		9.2	%

Demand deposits	$	117,312		$	111,968		4.8	%	$	113,615		$	105,136		8.1	%
NOW, savings, and money market accounts		327,733			334,347		(2.0	)		346,896			337,891		2.7
Time deposits		339,671			351,116		(3.3	)		366,234			373,668		(2.0	)
Total deposits		784,716			797,431		(1.6	)		826,745			816,695		1.2
Other borrowed funds		197,209			199,093		(0.9	)		152,899			120,642		26.7
Junior subordinated debentures		38,250			38,250		0.0			38,250			38,250		0.0
Accrued interest payable and other liabilities		5,449			3,536		54.1			4,600			3,258		41.2
Total liabilities		1,025,624			1,038,310		(1.2	)		1,022,494			978,845		4.5
Shareholders' equity		88,578			50,600		75.1			87,209			37,785		130.8
Total liabilities and shareholders' equity	$	1,114,202		$	1,088,910		2.3	%	$	1,109,703		$	1,016,630		9.2	%

		September 30,
		2005			2004
PERIOD END BALANCES:
Loans	$	658,003		$	553,185		18.9	%
Allowance for loan losses		(9,185	)		(7,473	)	22.9
Loans, net		648,818			545,712		18.9
Investment securities		408,473			503,584		(18.9	)
Federal funds sold		1,450			1,735		(16.4	)
Interest-earning deposits in other financial institutions		7,267			2,179		233.5
Cash and due from banks		19,472			13,692		42.2
Premises and equipment		21,835			13,837		57.8
Accrued interest receivable and other assets		13,432			13,797		(2.6	)
Total assets	$	1,120,747		$	1,094,536		2.4	%

Demand deposits	$	128,090		$	103,007		24.4	%
NOW, savings, and money market accounts		330,463			356,036		(7.2	)
Time deposits		279,766			356,154		(21.4	)
Total deposits		738,319			815,197		(9.4	)
Other borrowed funds		250,500			151,500		65.3
Junior subordinated debentures		38,250			38,250		0.0
Accrued interest payable and other liabilities		5,341			3,536		51.0
Total liabilities		1,032,410			1,008,483		2.4
Shareholders' equity		88,337			86,053		2.7
Total liabilities and ahareholders' equity	$	1,120,747		$	1,094,536		2.4	%

- 6 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands)

(Unaudited)

	Q3			Q2			Q1			Q4			Q3
	2005			2005			2005			2004			2004
QUARTERLY AVERAGE
BALANCE SHEET HISTORY:
Loans	$	658,760		$	641,650		$	613,375		$	579,459		$	533,607
Allowance for loan losses		(9,414	)		(9,013	)		(8,396	)		(7,748	)		(7,258	)
Loans, net		649,346			632,637			604,979			571,711			526,349
Investment securities		406,438			386,894			486,885			496,204			517,041
Federal funds sold		3,449			1,366			838			1,496			816
Interest-earning deposits in other financial institutions		1,106			5,032			986			1,849			2,985
Cash and due from banks		19,831			14,907			17,333			16,316			13,116
Premises and equipment		20,702			18,810			16,375			15,453			13,061
Accrued interest receivable and other assets		13,330			13,150			15,024			14,328			15,542
Total assets	$	1,114,202		$	1,072,796		$	1,142,420		$	1,117,357		$	1,088,910

Demand deposits	$	117,312		$	118,122		$	105,280		$	103,502		$	111,968
NOW, savings, and money market accounts		327,733			337,496			375,990			325,857			334,347
Time deposits		339,671			369,909			389,669			351,178			351,116
Total deposits		784,716			825,527			870,939			780,537			797,431
Other borrowed funds		197,209			118,715			142,167			207,593			199,093
Junior subordinated debentures		38,250			38,250			38,250			38,250			38,250
Accrued interest payable and other liabilities		5,449			4,127			4,209			3,977			3,536
Total liabilities		1,025,624			986,619			1,055,565			1,030,357			1,038,310
Shareholders' equity		88,578			86,177			86,855			87,000			50,600
Total liabilities and shareholders' equity	$	1,114,202		$	1,072,796		$	1,142,420		$	1,117,357		$	1,088,910


PERIOD END BALANCES HISTORY:
Loans	$	658,003		$	664,899		$	630,048		$	598,292		$	553,185
Allowance for loan losses		(9,185	)		(9,387	)		(8,738	)		(8,121	)		(7,473	)
Loans, net		648,818			655,512			621,310			590,171			545,712
Investment securities		408,473			399,523			371,684			488,523			503,584
Federal funds sold		1,450			1,150			1,210			-			1,735
Interest-earning deposits in other financial institutions		7,267			642			25,773			441			2,179
Cash and due from banks		19,472			20,793			15,950			20,794			13,692
Premises and equipment		21,835			19,615			17,769			16,137			13,837
Accrued interest receivable and other assets		13,432			12,063			14,282			14,022			13,797
Total assets	$	1,120,747		$	1,109,298		$	1,067,978		$	1,130,088		$	1,094,536

Demand deposits	$	128,090		$	118,165		$	111,408		$	110,858		$	103,007
NOW, savings, and money market accounts		330,463			327,181			368,949			398,051			356,036
Time deposits		279,766			360,413			387,012			359,477			356,154
Total deposits		738,319			805,759			867,369			868,386			815,197
Other borrowed funds		250,500			173,100			75,500			132,900			151,500
Junior subordinated debentures		38,250			38,250			38,250			38,250			38,250
Accrued interest payable and other liabilities		5,341			4,570			3,489			4,151			3,536
Total liabilities		1,032,410			1,021,679			984,608			1,043,687			1,008,483
Shareholders' equity		88,337			87,619			83,370			86,401			86,053
Total liabilities and shareholders' equity	$	1,120,747		$	1,109,298		$	1,067,978		$	1,130,088		$	1,094,536

- 7 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands)

(Unaudited)

YIELD ANALYSIS:

	For the Three Months Ended September 30,
	2005								2004
	Average			Interest		Average			Average			Interest		Average
	Outstanding			Earned/		Yield/			Outstanding			Earned/		Yield/
	Balance			Paid		Rate			Balance			Paid		Rate
Assets:
Interest-earning assets:
Loans	$	658,760		$	11,551		6.86	%	$	533,607		$	8,031		5.89	%
Investment securities		406,438			4,042		4.08			517,041			4,234		3.20
Federal funds sold		3,449			31		3.52			816			3		1.33
Interest-earning deposits in other financial institutions		1,106			10		3.58			2,985			11		1.45
Total interest-earning assets		1,069,753			15,634		5.79	%		1,054,449			12,279		4.55	%
Less allowance for loan losses		(9,414	)							(7,258	)
Total interest-earning assets, net of allowance		1,060,339								1,047,191
Non-earning assets:
Cash and due from banks		19,831								13,116
Premises and equipment		20,702								13,061
Accrued interest receivable and other assets		13,330								15,542
Total noninterest-earning assets		53,863								41,719
Total assets	$	1,114,202							$	1,088,910

Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
NOW, savings, and money market accounts	$	327,733		$	1,860		2.25	%	$	334,347		$	1,215		1.45	%
Time deposits		339,671			2,899		3.39			351,116			2,179		2.47
Other borrowed funds		197,209			1,711		3.39			199,093			753		1.51
Junior subordinated debentures		38,250			701		7.17			38,250			566		5.79
Total interest-bearing liabilities		902,863			7,171		3.15	%		922,806			4,713		2.03	%
Noninterest-bearing liabilities:
Demand deposits		117,312								111,968
Accrued interest payable and other liabilities		5,449								3,536
Total noninterest-bearing liabilities		122,761								115,504
Total liabilities		1,025,624								1,038,310
Shareholders' equity		88,578								50,600
Total liabilities and shareholders' equity	$	1,114,202							$	1,088,910
Net interest income				$	8,463							$	7,566
Net interest spread							2.64								2.52
Net interest margin (tax equivalent)							3.14	%							2.85	%

- 8 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands)

(Unaudited)

RATE VOLUME ANALYSIS:
	For the Three Months Ended September 30, 2005 Compared with the Same Period in 2004
								Increase (Decrease)
	Q3		Q3		Increase			Due to Change in
	2005		2004		(Decrease)			Volume			Rate			Total
Interest-earning assets:
Loans	$	11,551	$	8,031	$	3,520		$	1,858		$	1,662		$	3,520
Investment securities		4,042		4,234		(192	)		(890	)		698			(192	)
Federal funds sold		31		3		28			9			19			28
Interest-bearing deposits in other financial institutions		10		11		(1	)		(7	)		6			(1	)
Total interest income		15,634		12,279		3,355			970			2,385			3,355

Interest-bearing liabilities:
NOW, savings and money market accounts		1,860		1,215		645			(24	)		669			645
Time deposits		2,899		2,179		720			(71	)		791			720
Other borrowed funds		1,711		753		958			(7	)		965			958
Junior subordinated debentures		701		566		135			-			135			135
Total in interest expense		7,171		4,713		2,458			(102	)		2,560			2,458

Net interest income	$	8,463	$	7,566	$	897		$	1,072		$	(175	)	$	897

- 9 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands)

(Unaudited)

YIELD ANALYSIS:

	For the Nine Months Ended September 30,
	2005								2004
	Average			Interest		Average			Average			Interest		Average
	Outstanding			Earned/		Yield/			Outstanding			Earned/		Yield/
	Balance			Paid		Rate			Balance			Paid		Rate
Assets:
Interest-earning assets:
Loans	$	638,095		$	32,167		6.65	%	$	485,532		$	21,617		5.85	%
Investment securities		426,444			11,853		3.79			478,067			11,626		3.19
Federal funds sold		1,894			46		3.18			11,446			80		0.92
Interest-earning deposits in other financial institutions		2,375			56		3.13			7,168			55		1.00
Total interest-earning assets		1,068,808			44,122		5.49	%		982,213			33,378		4.46	%
Less allowance for loan losses		(8,945	)							(6,572	)
Total interest-earning assets, net of allowance		1,059,863								975,641
Non-earning assets:
Cash and due from banks		17,366								15,269
Premises and equipment		18,645								12,799
Accrued interest receivable and other assets		13,829								12,921
Total noninterest-earning assets		49,840								40,989
Total assets	$	1,109,703							$	1,016,630

Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
NOW, savings, and money market accounts	$	346,896		$	5,354		2.06	%	$	337,891		$	3,190		1.26	%
Time deposits		366,234			8,335		3.04			373,668			6,708		2.40
Other borrowed funds		152,899			3,479		3.00			120,642			1,209		1.34
Junior subordinated debentures		38,250			1,996		6.88			38,250			1,603		5.51
Total interest-bearing liabilities		904,279			19,164		2.83	%		870,451			12,710		1.95	%
Noninterest-bearing liabilities:
Demand deposits		113,615								105,136
Accrued interest payable and other liabilities		4,600								3,258
Total noninterest-bearing liabilities		118,215								108,394
Total liabilities		1,022,494								978,845
Shareholders' equity		87,209								37,785
Total liabilities and shareholders' equity	$	1,109,703							$	1,016,630
Net interest income				$	24,958							$	20,668
Net interest spread							2.66								2.51
Net interest margin (tax equivalent)							3.12	%							2.81	%

- 10 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands)

(Unaudited)

RATE VOLUME ANALYSIS:
	For the Nine Months Ended September 30, 2005 Compared with the Same Period in 2004
								Increase (Decrease)
					Increase			Due to Change in
	2005		2004		(Decrease)			Volume			Rate			Total
Interest-earning assets:
Loans	$	32,167	$	21,617	$	10,550			6,675			3,875		$	10,550
Investment securities		11,853		11,626		227			(1,230	)		1,457			227
Federal funds sold		46		80		(34	)		(66	)		32			(34	)
Interest-bearing deposits in other financial institutions		56		55		1			(36	)		37			1
Total interest income		44,122		33,378		10,744			5,343			5,401			10,744

Interest-bearing liabilities:
NOW, savings and money market accounts		5,354		3,190		2,164			85			2,079			2,164
Time deposits		8,335		6,708		1,627			(133	)		1,760			1,627
Other borrowed funds		3,479		1,209		2,270			322			1,948			2,270
Junior subordinated debentures		1,996		1,603		393			-			393			393
Total in interest expense		19,164		12,710		6,454			274			6,180			6,454

Net interest income	$	24,958	$	20,668	$	4,290		$	5,069		$	(779	)	$	4,290

- 11 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Dollars in thousands)

(Unaudited)

LOAN PORTFOLIO:
	As of September 30, 2005						As of December 31, 2004						As of September 30, 2004
	Amount			Percent			Amount			Percent			Amount			Percent
Business and industrial	$	77,614			11.8	%	$	70,101			11.7	%	$	64,152			11.6	%
Real estate:
Construction and land development		137,997			21.0			123,655			20.7			106,536			19.3
Residential		123,908			18.8			126,200			21.1			110,828			20.0
Commercial mortgages		306,610			46.6			267,158			44.7			260,359			47.1
Consumer		13,135			2.0			12,592			2.1			12,715			2.3
Other		345			0.0			227			0.0			154			0.0
Gross loans		659,609			100.2			599,933			100.3			554,744			100.3
Less unearned discounts and fees		(1,606	)		(0.2	)		(1,641	)		(0.3	)		(1,559	)		(0.3	)
Total loans	$	658,003			100.0	%	$	598,292			100.0	%	$	553,185			100.0	%

NONPERFORMING ASSETS:
	As of September 30, 2005			As of December 31, 2004			As of September 30, 2004
Nonaccrual loans	$	9,472		$	1,489		$	2,237
Accruing loans past due 90 days or more		-			62			-
Restructured loans		1,839			1,917			1,942
Other real estate and repossessed assets		490			1,320			2,183
Total nonperforming assets	$	11,801		$	4,788		$	6,362
Nonperforming assets to total loans and other real estate		1.79	%		0.80	%		1.15	%

ALLOWANCE FOR LOAN LOSSES:
							As of and for
	As of and for the Nine Months Ended						the Year Ended
	September 30, 2005			September 30, 2004			December 31, 2004
Allowance for loan losses at beginning of period	$	8,121		$	5,650		$	5,650
Provision for loan losses		1,850			2,275			2,950
Charge-Offs:
Business and industrial		(801	)		(242	)		(242	)
Real estate		-			(235	)		(262	)
Consumer		(68	)		(84	)		(110	)
Total charge-offs		(869	)		(561	)		(614	)
Recoveries:
Business and industrial		59			33			50
Real estate		13			60			63
Consumer		11			16			22
Total recoveries		83			109			135
Net recoveries (charge-offs)		(786	)		(452	)		(479	)
Allowance for loan losses at end of period	$	9,185		$	7,473		$	8,121

Allowance for loan losses to end of period loans		1.40	%		1.35	%		1.36	%
Net charge-offs to average loans		0.12			0.09			0.09
Allowance for loans losses to end of period nonperforming loans		81.20			178.82			234.17

- 12 -

SNB BANCSHARES, INC.

AND CONSOLIDATED SUBSIDIARIES

SELECTED FINANCIAL DATA

(Unaudited)

SELECTED RATIOS AND OTHER DATA:
	Q3			Q3			YTD			YTD
	2005			2004			2005			2004
Return on average assets		0.77	%		0.66	%		0.28	%		0.59	%
Return on average equity		9.74			14.30			3.59			15.89
Leverage ratio		11.15			10.83
Tier 1 Capital to RWA ratio		16.96			18.28
Total Capital (Tier 1 + Tier 2) to RWA ratio		18.99			20.56
Average equity to average total assets		7.95			4.65			7.86			3.72
Tax equivalent yield on earning assets		5.72			4.55			5.42			4.46
Cost of funds with demand account		2.79			1.81			2.52			1.74
Net interest margin, tax equivalent		3.14			2.85			3.12			2.81
Non-interest expense to average total assets		1.76			1.73			1.78			1.76
Efficiency ratio		55.88			59.79			56.34			61.45

End of period book value per share	$	7.10		$	6.92
Full time equivalent employees		162			156

Common Stock Performance:
	Third quarter 2005				Second quarter 2005
Market value of common stock - End of period		$	11.25			$	11.00
Market value of common stock - High			11.90				11.49
Market value of common stock - Low			10.85				9.21

	As of September 30, 2005				As of June 30, 2005
Book value of common stock		$	7.10			$	7.05
Market/book value of common stock			158.37	%			156.11	%
Price/12 month trailing earnings ratio			36.85	X			36.67	X

# # # #

SNB Bancshares Inc 8-K