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Exhibit 21
PARENTS AND SUBSIDIARIES
The following is a list of all subsidiaries of First Tennessee
National Corporation at December 31, 1994. Each subsidiary is 100% owned by
its immediate parent, and all are included in the Consolidated Financial
Statements:
Type of Ownership Jurisdiction of
Subsidiary By the Corporation Incorporation
---------- ------------------ -------------
Cleveland Bank and Trust Company Direct Tennessee
Crown Finance Corporation* Direct Missouri
Corona National Life Insurance Company* Indirect Arizona
Crown Agency Corporation Indirect Missouri
Crown Lending Corporation* Indirect Missouri
First Tennessee Advisory Corporation* Direct Tennessee
First Tennessee Bank National Association Direct United States
Check Consultants, Incorporated Indirect Tennessee
Check Consultants Company of Tennessee, Inc. Indirect Tennessee
Countrywood Development Corporation* Indirect Tennessee
East Tennessee Service Corporation Indirect Tennessee
Tri-City Title Company* Indirect Tennessee
Upper East Tennessee Insurance Agency Indirect Tennessee
First Funds, Inc.* Indirect Tennessee
First Tennessee Capital Assets Corporation Indirect Tennessee
First Tennessee Data Services Corporation* Indirect Tennessee
First Tennessee Brokerage, Inc. Indirect Tennessee
First Tennessee Equipment Finance Corporation Indirect Tennessee
Hickory Venture Capital Corporation Indirect Alabama
JPO, Inc. Indirect Tennessee
MNC Mortgage Corporation Indirect Maryland
Atlantic Coast Mortgage Company Indirect Virginia
Norlen, Inc* Indirect Tennessee
Northeast Arkansas Computer Service Center, Inc.* Indirect Arkansas
Northeast Mississippi Computer Service Center, Inc. Indirect Mississippi
SNMC Management Corporation Indirect Delaware
Sunbelt National Mortgage Corporation Indirect Illinois
Southeast Missouri Computer Service Center, Inc.* Indirect Missouri
West Tennessee Computer Service Center, Inc.* Indirect Tennessee
TSMM Corporation Indirect Tennessee
First Tennessee Bank National Association Mississippi Direct United States
FTB Futures Corporation* Direct Tennessee
Hickory Capital Corporation Direct Tennessee
Highland Capital Management Corp. Direct Tennessee
Mountain Financial Company* Direct Tennessee
Norlen Life Insurance Company Direct Arizona
Pence Mortgage Company* Direct Kentucky
Peoples and Union Bank Direct Tennessee
Planters Bank Direct Mississippi
* Inactive.