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                                                                   EXHIBIT 23(d)


                       CONSENT OF INDEPENDENT AUDITORS


We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-4) and related Prospectus of First Tennessee
National Corporation for the registration of 468,000 shares of its common stock
and associated rights and to the incorporation by reference therein of our 
report dated March 19, 1993, with respect to the consolidated financial 
statements of Maryland National Mortgage Corporation for the year ended 
December 31, 1992, included in Form 8-K, dated October 1, 1993, of First 
Tennessee National Corporation, filed with the Securities and Exchange 
Commission.


                                                          Ernst & Young

Baltimore, Maryland
April 27, 1994