Exhibit 23(a)



                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

         As independent public accountants, we hereby consent to the
incorporation by reference into the registration statement (on Form S-8)
pertaining to the First Tennessee National Corporation 1997 Employee Stock
Option Plan of our report dated January 16, 2001, incorporated by reference in
First Tennessee National Corporation's Form 10-K for the year ended December 31,
2000, and to all references to our Firm included in this registration statement.


Arthur Andersen LLP

Memphis, Tennessee
November 15, 2001