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                                                                   EXHIBIT 10(f)


          AMENDMENTS TO 1990 STOCK OPTION PLAN AND 1995, 1997 AND 2000
                          EMPLOYEE STOCK OPTION PLANS
                    OF FIRST TENNESSEE NATIONAL CORPORATION
                                OCTOBER 18, 2000

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1.       Add to the "Definitions" section of each Plan (Section 2) the following
         new term:

         "Workforce reduction" means any termination of employment of one or
         more employees of the Company or one or more of its subsidiaries as a
         result of the discontinuation by the Company of a business or line of
         business or a realignment of the Company, or a part thereof, or any
         other similar type of event; provided, however, in the case of any such
         event (whether the termination of employment was a result of a
         discontinuation, a realignment, or another event), that the Committee
         or the Board of Directors has designated the event as a "workforce
         reduction" for purposes of this Plan."

2.       Amend Section 9 of each Plan [Section 10 for the 1990 Plan] by adding
         the term "workforce reduction" to the first sentence thereof so that
         the sentence will read as follows:

         "If a person to whom an option has been granted shall cease, for a
         reason other than his or her death, disability, early retirement,
         retirement, workforce reduction, or voluntary resignation, to be
         employed by the Company or a subsidiary, the options shall terminate
         three months after the cessation of employment, unless it terminates
         earlier under other provisions of the Plan."

3.       Add the following new sentences to Section 9 of each Plan [except the
         1990 Plan] at the appropriate location:

         "If the grantee of one or more stock options described in the second
         sentence of Section 7 of the Plan or as to which the number of shares
         awarded was based on a formula which included a percentage of the
         grantee's annual bonus or target bonus or participation in a bonus plan
         shall cease to be employed as a result of a workforce reduction, then
         each of such stock options shall terminate on the date specified by the
         Committee, not to exceed five years after the date of termination,
         unless it terminates earlier under other provisions of the Plan.
         Although such exercise is not limited to the exercise rights which had
         accrued at the date of termination, such exercise shall be subject to
         all applicable conditions and restrictions prescribed in Section 8
         hereof. If the grantee of one or more stock options not described in
         the prior two sentences of this paragraph shall cease to be employed as
         a result of a workforce reduction, then each of such stock options
         shall terminate on the date specified by the Committee, not to exceed
         three years after the date of termination, unless it terminates earlier
         under other provisions of the Plan. Although such exercise is not
         limited to exercise rights which had accrued at the date of
         termination, such exercise




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         shall be subject to all applicable conditions and restrictions
         prescribed in Section 8 hereof."

4.       Add the following new sentences to Section 10 of the 1990 Plan at the
         appropriate location:

         "If the grantee of one or more stock options shall cease to be employed
         as a result of a workforce reduction, then each of such stock options
         shall terminate on the date specified by the Committee, not to exceed
         three years after the date of termination, unless it terminates earlier
         under other provisions of the Plan. Although such exercise is not
         limited to exercise rights which had accrued at the date of
         termination, such exercise shall be subject to all applicable
         conditions and restrictions prescribed in Section 9 hereof."