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                                  EXHIBIT 21

                      LIST OF SUBSIDIARIES OF REGISTRANT
                              AT DECEMBER 31, 1995

                                       


                      NAME                                STATE OR JURISDICTION
                                                          OF INCORPORATION

 -First American National Bank                            U.S.A.    
                                                                    
           -AmeriStar Capital Markets, Inc.               Tennessee 
           -Guaranty Title Company                        Tennessee 
           -First Amtenn Life Insurance Co.               Arizona   
           -First Charlotte Corp.                         Tennessee 
           -First Deaderick Corp.                         Tennessee 
           -Citizens Financial Corporation                Tennessee
           -First American Network, Inc.                  Tennessee

  -First American National Bank of Kentucky               U.S.A.
                                                     
  -First American Federal Savings Bank                    U.S.A.

           -Highland Service Corporation                  Virginia
           -Charter Financial Services Corporation        Virginia

  -First American Enterprises, Inc.                       Tennessee

                           NON-PROFIT CORPORATIONS
 
                      NAME                                STATE OR JURISDICTION
                                                          OF INCORPORATION

  -First American Community           
    Development Corporation                               Tennessee
                                      
  -First American Foundation                              Tennessee


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