Exhibit 31.1

                                 CERTIFICATIONS
I, M. Terry Turner, certify that:

      1.)   I have reviewed this annual report on Form 10-K of Pinnacle
            Financial Partners, Inc.;

      2.)   Based on my knowledge, this report does not contain any untrue
            statement of a material fact or omit to state a material fact
            necessary to make the statements made, in light of the circumstances
            under which such statements were made, not misleading with respect
            to the period covered by this report;

      3.)   Based on my knowledge, the financial statements, and other financial
            information included in this report, fairly present in all material
            respects the financial condition, results of operations and cash
            flows of the registrant as of, and for, the periods presented in
            this report;

      4.)   The registrant's other certifying officer(s) and I are responsible
            for establishing and maintaining disclosure controls and procedures
            (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and
            internal control over financial reporting (as defined in Exchange
            Act Rules 13a-15(f)) and 15d-15(f) for the registrant and have:

                   (a) Designed such disclosure controls and procedures, or
                caused such disclosure controls and procedures to be designed
                under our supervision, to ensure that material information
                relating to the registrant, including its consolidated
                subsidiaries, is made known to us by others within those
                entities, particularly during the period in which this report is
                being prepared;

                   (b) Designed such internal control over financial reporting,
                or caused such internal control over financial reporting to be
                designed under our supervision, to provide reasonable assurance
                regarding the reliability of financial reporting and the
                preparation of financial statements for external purposes in
                accordance with generally accepted accounting principles;

                   (c) Evaluated the effectiveness of the registrant's
                disclosure controls and procedures and presented in this report
                our conclusions about the effectiveness of the disclosure
                controls and procedures, as of the end of the period covered by
                this report based on such evaluation; and

                   (d) Disclosed in this report any change in the registrant's
                internal control over financial reporting that occurred during
                the registrant's most recent fiscal quarter (the registrant's
                fourth fiscal quarter in the case of an annual report) that has
                materially affected, or is reasonably likely to materially
                affect, the registrant's internal control over financial
                reporting; and

      5.)   The registrant's other certifying officer(s) and I have disclosed,
            based on our most recent evaluation of internal control over
            financial reporting, to the registrant's auditors and the audit
            committee of the registrant's board of directors (or persons
            performing the equivalent functions):

                   (a) All significant deficiencies and material weaknesses in
                the design or operation of internal control over financial
                reporting which are reasonably likely to adversely affect the
                registrant's ability to record, process, summarize and report
                financial information; and

                   (b) Any fraud, whether or not material, that involves
                management or other employees who have a significant role in the
                registrant's internal control over financial reporting.

Date: February 24, 2006         Signature: /s/ M. Terry Turner
                                           ------------------------------------
                                           M. Terry Turner, President and Chief
                                           Executive Officer