Exhibit 32.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Pinnacle Financial Partners (the
"Company") on Form 10-Q for the period ending September 30, 2004, as filed with
the Securities and Exchange Commission on the date hereof (the "Report"), I, M.
Terry Turner, President and Chief Executive Officer of the Company, certify,
pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the
Sarbanes-Oxley Act of 2002, that:

            (1)   The Report fully complies with the requirements of section
                  13(a) or 15(d) of the Securities and Exchange Act of 1934; and

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

                                          /s/ M. Terry Turner
                                          --------------------------------------
                                          M. Terry Turner
                                          President and Chief Executive Officer
                                          Pinnacle Financial Partners, Inc.

November 5, 2004