SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

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                                    FORM 8-K


                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


       Date of report (Date of earliest event reported) - October 22, 2003


                      FIRST TENNESSEE NATIONAL CORPORATION
               (Exact Name of Registrant as Specified in Charter)


TENNESSEE                             000-4491                   62-0803242
(State or Other Jurisdiction        (Commission                 (IRS Employer
of Incorporation)                   File Number)            Identification No.)


                    165 MADISON AVENUE
                    MEMPHIS, TENNESSEE                          38103
             (Address of Principal Executive Office)          (Zip Code)


       Registrant's telephone number, including area code - (901) 523-4444



ITEM 7.  Financial Statements and Exhibits

(c)  Exhibits

The  following  exhibit is furnished  pursuant to Item 12 [reported  herein
under the Item 9 caption in accordance with the guidance provided in SEC Release
Nos. 33-8216;  34-47583],  is not to be considered  "filed" under the Securities
Exchange Act of 1934, as amended ("Exchange Act"), and shall not be incorporated
by reference into any of First Tennessee National Corporation's  ("Corporation")
previous or future filings under the Securities Act of 1933, as amended,  or the
Exchange Act.


Exhibit #                  Description
---------                  ------------

99.1              Earnings Release for Quarter Ended 9/30/03



ITEM 9.  INFORMATION FURNISHED UNDER ITEM 12
         RESULTS OF OPERATIONS AND FINANCIAL CONDITION

Furnished  as  Exhibit  99.1  is  a  copy  of  First   Tennessee   National
Corporation's  earnings  release for the quarter ended September 30, 2003, which
was issued October 22, 2003.


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                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.


                           FIRST TENNESSEE NATIONAL CORPORATION

Date: October 22, 2003     By: /s/James F. Keen
                               -------------------------------------------------
                         Name: James F. Keen
                        Title: Executive Vice President, Chief Financial Officer
                               and Corporate Controller



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                                  Exhibit Index
                                  -------------

The  following  exhibit is furnished  pursuant to Item 12 [reported  herein
under the Item 9 caption],  is not to be  considered  "filed" under the Exchange
Act, and shall not be  incorporated  by reference into any of the  Corporation's
previous or future filings under the Securities Act of 1933, as amended,  or the
Exchange Act.


Exhibit #                  Description
---------                  -----------

99.1              Earnings Release for Quarter Ended 9/30/03


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