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 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 9/30/03 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 September 30, 2003, which was issued October 22, 2003. 1 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 22, 2003 By: /s/James F. Keen ------------------------------------------------- Name: James F. Keen Title: Executive Vice President, Chief Financial Officer and Corporate Controller 2 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 9/30/03 3 3