<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FIRST
TENNESSEE NATIONAL CORPORATION'S DECEMBER 31, 1994, FINANCIAL STATEMENTS FILED
IN ITS 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCES TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-START>                             JAN-01-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                         691,093
<INT-BEARING-DEPOSITS>                           2,534
<FED-FUNDS-SOLD>                               267,845
<TRADING-ASSETS>                               170,031
<INVESTMENTS-HELD-FOR-SALE>                  1,151,277
<INVESTMENTS-CARRYING>                         942,386
<INVESTMENTS-MARKET>                           892,420
<LOANS>                                      6,717,378
<ALLOWANCE>                                    106,989
<TOTAL-ASSETS>                              10,522,411
<DEPOSITS>                                   7,688,422
<SHORT-TERM>                                   199,962
<LIABILITIES-OTHER>                            337,683
<LONG-TERM>                                     93,771
<COMMON>                                        79,633
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                     669,138
<TOTAL-LIABILITIES-AND-EQUITY>              10,522,411
<INTEREST-LOAN>                                519,943
<INTEREST-INVEST>                              127,808
<INTEREST-OTHER>                                20,908
<INTEREST-TOTAL>                               668,659
<INTEREST-DEPOSIT>                             213,721
<INTEREST-EXPENSE>                             288,094
<INTEREST-INCOME-NET>                          380,565
<LOAN-LOSSES>                                   16,733
<SECURITIES-GAINS>                              20,641
<EXPENSE-OTHER>                                545,704
<INCOME-PRETAX>                                207,298
<INCOME-PRE-EXTRAORDINARY>                     146,349
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   146,349
<EPS-PRIMARY>                                     4.56
<EPS-DILUTED>                                     4.49
<YIELD-ACTUAL>                                    4.28
<LOANS-NON>                                     16,539
<LOANS-PAST>                                    22,317
<LOANS-TROUBLED>                                   158
<LOANS-PROBLEM>                                 76,300
<ALLOWANCE-OPEN>                               107,723
<CHARGE-OFFS>                                   27,960
<RECOVERIES>                                    10,493
<ALLOWANCE-CLOSE>                              106,989
<ALLOWANCE-DOMESTIC>                           106,989
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0