TEXARKANA FIRST FINANCIAL CORP
DEFA14A, 2000-07-20
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                  SCHEDULE 14A


           Proxy Statement Pursuant to Section 14(a) of the Securities
                              Exchange Act of 1934


Filed by the Registrant /X/
Filed by a Party other than the Registrant / /

Check the appropriate box:

/ /    Preliminary Proxy Statement
/ /    Confidential, for Use of the Commission Only (as permitted by
       Rule 14a-6(e)(2))
/ /    Definitive Proxy Statement
/ /    Definitive Additional Materials
/X/    Soliciting Material Pursuant to Section 240.14a-12


                      Texarkana First Financial Corporation
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                (Name of Registrant as Specified in Its Charter)

   ----------------------------------------------------------------------------
      (Name of Person(s) Filing Proxy Statement if other than the Registrant)

Payment of Filing Fee (Check the appropriate box):

/X/    No fee required.
/ /    Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11.

       1)     Title of each class of securities to which transaction applies:

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       2)     Aggregate number of securities to which transaction applies:

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       3)     Per unit price or other underlying value of transaction computed
              pursuant to Exchange Act Rule 0-11 (set forth the amount on which
              the filing fee is calculated and state how it was determined):

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       4)     Proposed maximum aggregate value of transaction:

       ------------------------------------------------------------------------
       5)     Total fee paid:


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/ /    Fee paid previously with preliminary materials.
/ /    Check box if any part of the fee is offset as provided by Exchange
       Act Rule 0-11(a)(2) and identify the filing for which the offsetting
       fee was paid previously. Identify the previous filing by registration
       statement number, or the Form or Schedule and the date of its filing.

       1)     Amount Previously Paid:

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       2)     Form, Schedule or Registration Statement No.:

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       3)     Filing Party:

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       4)     Date Filed:

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A press release dated July 20, 2000 announcing the earnings results of
Texarkana First Financial Corporation (the "Company") for the third quarter
of fiscal 2000. A copy of the press release is attached to this Schedule 14A
as Exhibit 99.1. This press release may be deemed solicitation material in
respect of the proposed acquisition of the Company by First United
Bancshares, Inc. pursuant to an Agreement and Plan of Reorganization by and
between the Company and First United Bancshares, Inc. dated as of May 15,
2000.

This filing is being made in connection with Regulation of Takeovers and
Security Holder Communications (Release No. 33-7760, 34-42055) promulgated by
the Securities and Exchange Commission which became effective January 24, 2000.

The Company will file a proxy statement with the Securities and Exchange
Commission ("SEC") in connection with the proposed merger transaction. The
proxy statement will be sent to shareholders of the Company seeking their
approval of the proposed merger transaction. Shareholders of the Company are
urged to read the proxy statement and any other relevant documents to be
filed with the SEC because they will contain important information.

When filed, the proxy statement can be obtained free of charge at the
Internet World Wide Web site maintained by the SEC at "http://www.sec.gov."
In addition, documents filed with the SEC by the Company will be available
free of charge from the Corporate Secretary of Texarkana First Financial
Corporation at Third and Olive Streets, Texarkana, Arkansas 71854, telephone
(870) 773-1103.

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EXHIBIT INDEX


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<CAPTION>

EXHIBIT NO.                                          DESCRIPTION
<S>                                                  <C>
99.1                                                 Press Release dated July 20, 2000

</TABLE>



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