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) -- October 22, 2003


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


             TENNESSEE                    0-4491               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


<PAGE>

ITEM 5.  OTHER EVENTS

     The Corporation's  Board of Directors  announced the election of J. Kenneth
Glass  as  Chairman  of  the  Board,   effective  upon  the  retirement  of  the
Corporation's current Chairman, Ralph Horn, on December 31, 2003. Mr. Glass will
retain the President and Chief Executive Officer positions he currently holds.

     The Board also elected  Marlin L. Mosby,  III,  who is currently  Executive
Vice  President-Strategic  Planning and Investor  Relations,  as Executive  Vice
President and Chief Financial Officer, effective November 17, 2003. Mr. Mosby is
replacing  Elbert L. Thomas,  Jr., who is recovering  from recent  surgery.  Mr.
Thomas will remain with the Corporation as Executive Vice President and Interest
Rate Risk  Manager.  James F.  Keen,  Jr.,  the  interim  CFO,  will  retain the
positions of Executive  Vice  President and Corporate  Controller  and principal
accounting officer.



<PAGE>

                                   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: October 23, 2003    By:/s/ James F. Keen
                             --------------------------------------------------
                             James F. Keen, Executive Vice President,
                               Chief Financial Officer and Corporate Controller
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{"company-data": {"conformed-name": "FIRST TENNESSEE NATIONAL CORP", "cik": "0000036966", "assigned-sic": "6021", "irs-number": "620803242", "state-of-incorporation": "TN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-15185", "film-number": "03954872"}, "business-address": {"street1": "165 MADISON AVE", "city": "MEMPHIS", "state": "TN", "zip": "38103", "phone": "9015234638"}, "mail-address": {"street1": "165 MADISON AVE", "city": "MEMPHIS", "state": "TN", "zip": "38103"}, "former-company": {"former-conformed-name": "FIRST TENNESSEE BANKS INC", "date-changed": "19600201"}}
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) -- October 22, 2003

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

             TENNESSEE                    0-4491               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 5.  OTHER EVENTS

     The Corporation's  Board of Directors  announced the election of J. Kenneth
Glass  as  Chairman  of  the  Board,   effective  upon  the  retirement  of  the
Corporation's current Chairman, Ralph Horn, on December 31, 2003. Mr. Glass will
retain the President and Chief Executive Officer positions he currently holds.

     The Board also elected  Marlin L. Mosby,  III,  who is currently  Executive
Vice  President-Strategic  Planning and Investor  Relations,  as Executive  Vice
President and Chief Financial Officer, effective November 17, 2003. Mr. Mosby is
replacing  Elbert L. Thomas,  Jr., who is recovering  from recent  surgery.  Mr.
Thomas will remain with the Corporation as Executive Vice President and Interest
Rate Risk  Manager.  James F.  Keen,  Jr.,  the  interim  CFO,  will  retain the
positions of Executive  Vice  President and Corporate  Controller  and principal
accounting officer.
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: October 23, 2003    By:/s/ James F. Keen
                             --------------------------------------------------
                             James F. Keen, Executive Vice President,
                               Chief Financial Officer and Corporate Controller