<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FIRST
TENNESSEE NATIONAL CORPORATION'S SEPTEMBER 30, 2000, FINANCIAL STATEMENTS FILED
IN ITS 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCES TO SUCH FINANCIAL
STATEMENTS.

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                         804,330
<INT-BEARING-DEPOSITS>                           4,430
<FED-FUNDS-SOLD>                               196,671
<TRADING-ASSETS>                               582,226
<INVESTMENTS-HELD-FOR-SALE>                  2,104,990
<INVESTMENTS-CARRYING>                         667,291
<INVESTMENTS-MARKET>                           630,320
<LOANS>                                     12,305,538
<ALLOWANCE>                                    145,923
<TOTAL-ASSETS>                              19,219,630
<DEPOSITS>                                  13,178,164
<SHORT-TERM>                                 3,224,732
<LIABILITIES-OTHER>                            996,828
<LONG-TERM>                                    409,803
<PREFERRED-MANDATORY>                          100,000
<PREFERRED>                                          0
<COMMON>                                        80,051
<OTHER-SE>                                   1,230,052
<TOTAL-LIABILITIES-AND-EQUITY>              19,219,630
<INTEREST-LOAN>                                828,087
<INTEREST-INVEST>                              150,336
<INTEREST-OTHER>                                37,577
<INTEREST-TOTAL>                             1,016,000
<INTEREST-DEPOSIT>                             361,768
<INTEREST-EXPENSE>                             568,501
<INTEREST-INCOME-NET>                          447,499
<LOAN-LOSSES>                                   49,167
<SECURITIES-GAINS>                               1,451
<EXPENSE-OTHER>                                904,768
<INCOME-PRETAX>                                227,989
<INCOME-PRE-EXTRAORDINARY>                     160,893
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   160,893
<EPS-BASIC>                                       1.24
<EPS-DILUTED>                                     1.22
<YIELD-ACTUAL>                                    3.72
<LOANS-NON>                                     41,216
<LOANS-PAST>                                    37,219
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 74,286
<ALLOWANCE-OPEN>                               139,603
<CHARGE-OFFS>                                   46,983
<RECOVERIES>                                     6,309
<ALLOWANCE-CLOSE>                              145,923
<ALLOWANCE-DOMESTIC>                           145,923
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0