Exhibit 24


                                POWER OF ATTORNEY


     KNOW ALL MEN BY THESE PRESENTS,  that each person whose  signature  appears
below does hereby constitute and appoint JAMES F. KEEN, CLYDE A. BILLINGS,  JR.,
and MILTON A. GUTELIUS, JR., 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 Registration  Statement on Form S-8
to be  filed  with the  Securities  and  Exchange  Commission,  pursuant  to the
provisions  of  the  Securities  Act  of  1933,  by  First  Tennessee   National
Corporation  ("Corporation") relating to the issuance of 3,000,000 shares of the
Corporation's  Common  Stock par value  $0.625 per share,  pursuant to the First
Tennessee  National  Corporation  2003 Equity  Compensation  Plan  ("Plan") and,
further,  to  execute  and sign  any and all  pre-effective  and  post-effective
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


/s/ Ralph Horn            Chairman of the Board and           May 13, 2003
- -----------------------   a Director
Ralph Horn

/s/ J. Kenneth Glass      President, Chief Executive          May 13, 2003
- -----------------------   Officer and a Director (principal
J. Kenneth Glass          executive officer)

/s/ James F. Keen         Executive Vice President, Chief     May 13, 2003
- -----------------------   Financial Officer and Corporate
James F. Keen             Controller (principal financial officer
                          and principal accounting officer)

/s/ Robert C. Blattberg   Director                            May 13, 2003
- -----------------------
Robert C. Blattberg

/s/ George E. Cates       Director                            May 13, 2003
- -----------------------
George E. Cates

/s/ James A. Haslam, III  Director                            May 13, 2003
- ------------------------
James A. Haslam, III


                                  Exhibit 24-1


/s/ R. Brad Martin        Director                            May 13, 2003
- -----------------------
R. Brad Martin

/s/ Vicki R. Palmer       Director                            May 13, 2003
- -----------------------
Vicki R. Palmer

/s/ Michael D. Rose       Director                            May 13, 2003
- -----------------------
Michael D. Rose

/s/ William B. Sansom     Director                            May 13, 2003
- -----------------------
William B. Sansom

/s/ Jonathan P. Ward      Director                            May 13, 2003
- -----------------------
Jonathan P. Ward

/s/ Luke Yancy III        Director                            May 13, 2003
- -----------------------
Luke Yancy III



                                  Exhibit 24-2