SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

           ---------------------------------------------------------

                                    FORM 8-K


                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


        Date of report (Date of earliest event reported) - July 17, 2003


                      FIRST TENNESSEE NATIONAL CORPORATION
               (Exact Name of Registrant as Specified in Charter)


       TENNESSEE                     000-4491               62-0803242
(State or Other Jurisdiction       (Commission            (IRS Employer
     of Incorporation)             File Number)         Identification No.)


             165 MADISON AVENUE
             MEMPHIS, TENNESSEE                            38103
    (Address of Principal Executive Office)              (Zip Code)


       Registrant's telephone number, including area code - (901) 523-4444



ITEM 7.  Financial Statements and Exhibits

(c)  Exhibits

The following exhibit is furnished pursuant to Item 12 [reported herein under
the Item 9 caption in accordance with the guidance provided in SEC Release Nos.
33-8216; 34-47583], is not to be considered "filed" under the Securities
Exchange Act of 1934, as amended ("Exchange Act"), and shall not be incorporated
by reference into any of First Tennessee National Corporation's ("Corporation")
previous or future filings under the Securities Act of 1933, as amended, or the
Exchange Act.


Exhibit #         Description
---------         -----------

99.1              Earnings Release for Quarter Ended 6/30/03



ITEM 9.  INFORMATION FURNISHED UNDER ITEM 12
         RESULTS OF OPERATIONS AND FINANCIAL CONDITION

Furnished as Exhibit 99.1 is a copy of First Tennessee National Corporation's
earnings release for the quarter ended June 30, 2003, which was issued July 17,
2003.





                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                            FIRST TENNESSEE NATIONAL CORPORATION

Date: July 17, 2003                         By: /s/James F. Keen
                                              ----------------------------------
                                           Name: James F. Keen
                                          Title: Executive Vice President, Chief
                                                 Financial Officer and Corporate
                                                 Controller






                                  Exhibit Index
                                  -------------

The following exhibit is furnished pursuant to Item 12 [reported herein under
the Item 9 caption], is not to be considered "filed" under the Exchange Act, and
shall not be incorporated by reference into any of the Corporation's previous or
future filings under the Securities Act of 1933, as amended, or the Exchange
Act.


Exhibit #         Description
---------         -----------
99.1              Earnings Release for Quarter Ended 6/30/03