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                                                                   EXHIBIT 23(a)


                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

         As independent public accountants, we hereby consent to the
incorporation by reference into the registration statement (on Form S-8)
pertaining to the First Tennessee National Corporation 1997 Employee Stock
Option Plan of our report dated February 28, 2000, incorporated by reference in
First Tennessee National Corporation's Form 10-K for the year ended December 31,
1999, and to all references to our Firm included in this registration statement.

Arthur Andersen LLP

Memphis, Tennessee
February 22, 2001