Palmetto Bancshares, Inc. (the "Company") is participating in the Keefe, Bruyette and Woods Virginia/Carolina Bank Conference being held in Pinehurst, North Carolina on September 13 and 14, 2012. The Company is conducting meetings on Friday, September 14, 2012 with various members of the financial and investing community and will provide the presentation attached as Exhibit 99.1 to this Current Report on Form 8-K.

The presentation attached as Exhibit 99.1 is deemed "furnished" to the Securities and Exchange Commission (the "SEC"), and not "filed" with the SEC, and shall not be deemed incorporated by reference by any general statement incorporating by reference this Current Report into any filing by the Company under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, and shall not otherwise be deemed filed under such Acts.

(d) Exhibits

Item    Exhibit

99.1    Presentation, dated September 14, 2012, for the Keefe, Bruyette and Woods
        Virginia/Carolina Bank Conference