On July 20, 2009, First M & F Corporation issued a press release reporting its second quarter and year-to-date earnings for the periods ending June 30, 2009. A copy of this press release and the accompanying financial statements are attached hereto as Exhibit 99.1.

On July 20, 2009, First M & F Corporation issued a press release reporting its second quarter and year-to-date earnings for the periods ending June 30, 2009. A copy of this press release and the accompanying financial statements are attached hereto as Exhibit 99.1. This information is furnished under both Item
2.02 Results of Operations and Financial Condition and Item 7.01 Regulation FD Disclosure. The information in this Form 8-K and Exhibit attached hereto shall not be deemed filed for purposes of Section 18 of the Securities Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference.

(d) Exhibits

Exhibit No.   Description
99.1          Earnings Release dated July 20, 2009 for Year-to-Date and Quarter
              Ended 06/30/09