<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