<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FIRST TENNESSEE NATIONAL CORPORATION'S DECEMBER 31, 1995, 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-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 710,870 <INT-BEARING-DEPOSITS> 2,119 <FED-FUNDS-SOLD> 64,978 <TRADING-ASSETS> 182,655 <INVESTMENTS-HELD-FOR-SALE> 2,036,668 <INVESTMENTS-CARRYING> 74,731 <INVESTMENTS-MARKET> 75,750 <LOANS> 8,122,466 <ALLOWANCE> 112,567 <TOTAL-ASSETS> 12,076,882 <DEPOSITS> 8,582,197 <SHORT-TERM> 1,760,745 <LIABILITIES-OTHER> 600,699 <LONG-TERM> 260,017 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 83,973 <OTHER-SE> 789,251 <TOTAL-LIABILITIES-AND-EQUITY> 12,076,882 <INTEREST-LOAN> 665,727 <INTEREST-INVEST> 135,451 <INTEREST-OTHER> 21,350 <INTEREST-TOTAL> 822,528 <INTEREST-DEPOSIT> 305,042 <INTEREST-EXPENSE> 431,875 <INTEREST-INCOME-NET> 390,653 <LOAN-LOSSES> 20,592 <SECURITIES-GAINS> 2,444 <EXPENSE-OTHER> 613,667 <INCOME-PRETAX> 252,957 <INCOME-PRE-EXTRAORDINARY> 164,888 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 164,888 <EPS-PRIMARY> 2.42 <EPS-DILUTED> 2.38 <YIELD-ACTUAL> 3.92 <LOANS-NON> 19,040 <LOANS-PAST> 33,273 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 66,621 <ALLOWANCE-OPEN> 109,859 <CHARGE-OFFS> 35,231 <RECOVERIES> 14,715 <ALLOWANCE-CLOSE> 112,567 <ALLOWANCE-DOMESTIC> 112,567 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0