<ARTICLE> 9
<LEGEND>
EXHIBIT 27
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FIRST
TENNESSEE NATIONAL CORPORATION'S DECEMBER 31, 1998, 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-31-1998
<PERIOD-START> JAN-01-1998
<PERIOD-END> DEC-31-1998
<CASH> 811,881
<INT-BEARING-DEPOSITS> 1,211
<FED-FUNDS-SOLD> 124,239
<TRADING-ASSETS> 358,304
<INVESTMENTS-HELD-FOR-SALE> 1,816,485
<INVESTMENTS-CARRYING> 609,804
<INVESTMENTS-MARKET> 610,364
<LOANS> 12,784,507
<ALLOWANCE> 136,013
<TOTAL-ASSETS> 18,733,961
<DEPOSITS> 11,723,039
<SHORT-TERM> 4,339,292
<LIABILITIES-OTHER> 1,057,646
<LONG-TERM> 414,450
<PREFERRED-MANDATORY> 100,000
<PREFERRED> 0
<COMMON> 80,609
<OTHER-SE> 1,018,925
<TOTAL-LIABILITIES-AND-EQUITY> 18,733,961
<INTEREST-LOAN> 931,561
<INTEREST-INVEST> 159,614
<INTEREST-OTHER> 42,602
<INTEREST-TOTAL> 1,133,777
<INTEREST-DEPOSIT> 376,635
<INTEREST-EXPENSE> 593,238
<INTEREST-INCOME-NET> 540,539
<LOAN-LOSSES> 51,351
<SECURITIES-GAINS> 3,976
<EXPENSE-OTHER> 1,121,769
<INCOME-PRETAX> 352,922
<INCOME-PRE-EXTRAORDINARY> 226,380
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 226,380
<EPS-PRIMARY> 1.77<F1>
<EPS-DILUTED> 1.72<F1>
<YIELD-ACTUAL> 3.80
<LOANS-NON> 27,807
<LOANS-PAST> 35,554
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 31,703
<ALLOWANCE-OPEN> 125,859
<CHARGE-OFFS> 48,552
<RECOVERIES> 10,760
<ALLOWANCE-CLOSE> 136,013
<ALLOWANCE-DOMESTIC> 136,013
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
<FN>
<F1>FIRST TENNESSEE NATIONAL CORPORATION EFFECTED A TWO-FOR-ONE STOCK SPLIT ON
FEBRUARY 20, 1998. THIS CURRENT FINANCIAL DATA SCHEDULE AND THE DECEMBER 31,
1997 FINANCIAL DATA SCHEDULE FILED WITH THE 1997 FORM 10-K REFLECT THIS STOCK
SPLIT. FINANCIAL DATA SCHEDULES PRIOR TO DECEMBER 31, 1997, HAVE NOT BEEN
RESTATED TO REFLECT THE STOCK SPLIT.
</FN>