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<TABLE> <S> <C>
<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.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<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
100,000
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
</TABLE>
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