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                                                                   EXHIBIT 23(c)



                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

As independent public accountants, we hereby consent to the incorporation of
our report dated June 21, 1994 included in First Tennessee National
Corporation's Form 10-K for the year ended December 31, 1993, into the
Company's previously filed Registration Statement File No. 33-34620 and to all
references to our Firm included in that Registration Statement.

                             ARTHUR ANDERSEN & CO.



Memphis, Tennessee
June 29, 1994