Exhibit 24
POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS, that each person whose signature
appears below does hereby constitute and appoint ELBERT L. THOMAS, JR., JAMES
F. KEEN, CLYDE A. BILLINGS, JR., and TERESA A. FEHRMAN, jointly and each of
them severally, his or her true and lawful attorney-in-fact and agent, with
full power of substitution and resubstitution, for him or her and in his or her
name, place and stead, in any and all capacities, to execute and sign the
Annual Report on Form 10-K for the fiscal year ended December 31, 1995 to be
filed with the Securities and Exchange Commission, pursuant to the provisions
of the Securities Exchange Act of 1934, by First Tennessee National Corporation
("Corporation") and, further, to execute and sign any and all amendments
thereto and to file the same, with all exhibits thereto and other documents in
connection therewith, with the Securities and Exchange Commission, granting
unto said attorneys-in-fact and agents, and each of them, or their or his or
her substitute or substitutes, full power and authority to do and perform each
and every act and thing requisite or necessary to be done in and about the
premises, as fully to all intents and purposes as the undersigned might or
could do in person, hereby ratifying and confirming all the acts that said
attorneys-in-fact and agents, or any of them, or their or his or her substitute
or substitutes, may lawfully do or cause to be done by virtue hereof.

Signature
---------
Title Date
----- ----

Ralph Horn Chairman of the Board, March 25, 1996
- - ---------------------------------- President and Chief Executive
Ralph Horn Officer and a Director
(principal executive officer)

Elbert L. Thomas, Jr. Executive Vice President and March 25, 1996
- - ---------------------------------- Chief Financial Officer
Elbert L. Thomas, Jr. (principal financial officer)

James F. Keen Senior Vice President and March 25, 1996
- - ---------------------------------- Controller (principal
James F. Keen accounting officer)

Jack A. Belz Director March 25, 1996
- - ----------------------------------
Jack A. Belz

Robert C. Blattberg Director March 25, 1996
- - ----------------------------------
Robert C. Blattberg

J. R. Hyde, III Director March 25, 1996
- - ----------------------------------
J. R. Hyde, III

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R. Brad Martin Director March 25, 1996
- - ----------------------------------
R. Brad Martin

Joseph Orgill, III Director March 25, 1996
- - ----------------------------------
Joseph Orgill, III

Richard E. Ray Director March 25, 1996
- - ----------------------------------
Richard E. Ray

Vicki G. Roman Director March 25, 1996
- - ----------------------------------
Vicki G. Roman

Michael D. Rose Director March 25, 1996
- - ----------------------------------
Michael D. Rose

William B. Sansom Director March 25, 1996
- - ----------------------------------
William B. Sansom

Gordon P. Street, Jr. Director March 25, 1996
- - ----------------------------------
Gordon P. Street, Jr.

Ronald Terry Director March 25, 1996
- - ----------------------------------
Ronald Terry

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