<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>4
<FILENAME>g99783exv21w1.txt
<DESCRIPTION>EX-21.1  SUBSIDIARIES OF REGISTRANT
<TEXT>
<PAGE>
                                                                               .
                                                                               .
                                                                               .

                                                                    Exhibit 21.1

                              LIST OF SUBSIDIARIES

<TABLE>
<CAPTION>
                                                Jurisdiction or State           Names Under Which
        Subsidiaries                              of Incorporation        Subsidiary Does Business (1)
        ------------                            ---------------------     ----------------------------
<S>                                             <C>                       <C>
Pinnacle National Bank (2)                            Tennessee

PFP Title Company (3)                                 Tennessee

Pinnacle Community Development
   Corporation (3)                                    Tennessee

PNFP Statutory Trust I (4)                           Connecticut

PNFP Statutory Trust II (4)                           Delaware

PNFP Holdings, Inc. (5)                                Nevada

PNFP Properties, Inc. (6)                             Maryland

Pinnacle Advisory Services, Inc. (7)                  Tennessee

Pinnacle Credit Enhancement Services, Inc. (7)        Tennessee
</TABLE>

----------

   1. Unless otherwise noted, each Subsidiary only does business under its legal
      name as set forth under the heading "Subsidiaries".

   2. As a national bank, Pinnacle National Bank is organized under the federal
      laws of the United States of America.

   3. PFP Title Company and Pinnacle Community Development Corporation are
      wholly-owned subsidiaries of Pinnacle National Bank.

   4. PNFP Statutory Trust I and PNFP Statutory Trust II are statutory business
      trusts which were established to issue capital trust preferred securities.

   5. PNFP Holdings, Inc. is a wholly-owned subsidiary of PFP Title Company.

   6. PNFP Properties, Inc. is a wholly-owned subsidiary of PNFP Holdings, Inc.

   7. Pinnacle Advisory Services, Inc. and Pinnacle Credit Enhancement Services,
      Inc. are both wholly owned subsidiaries of Pinnacle Financial Partners,
      Inc.

</TEXT>
</DOCUMENT>