SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

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                                    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) - April 14, 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 3/31/03



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 March 31, 2003, which was issued April
14, 2003.












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                                   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: April 14, 2003    By:/s/James F. Keen
                          -------------------
                        Name: James F. Keen
                        Title: Executive Vice President, Chief Financial Officer
                        and Corporate Controller










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                                  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 3/31/03













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