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                                                                   Exhibit 32(b)

                        CERTIFICATION OF PERIODIC REPORT
                         RULE 1350 CERTIFICATIONS OF CFO
           Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002,
                      As Codefied at 18 U.S.C. Section 1350


I, the undersigned Marlin L. Mosby, Executive Vice President and Chief Financial
Officer of First Horizon National Corporation ("Corporation"), hereby certify,
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section
1350, as follows:

1.       The Corporation's Annual Report on Form 10-K for the year ended
         December 31, 2004 (the "Report") fully complies with the requirements
         of Section 13(a) or 15(d) of the Securities Exchange Act of 1934.

2.       The information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Corporation.


Dated: March 11, 2005



                                        /s/ Marlin L. Mosby III
                                        ---------------------------------------
                                        Marlin L. Mosby III
                                        Executive Vice President and Chief
                                        Financial Officer