EXHIBIT 23(a)

                          INDEPENDENT AUDITORS' CONSENT

The Board of Directors
First Tennessee National Corporation:

We consent to the incorporation by reference in the registration statement on
Form S-8 pertaining to the First Horizon Home Loan Corporation Nonqualified
Deferred Compensation Plan of our report dated February 21, 2003, with respect
to the consolidated statement of condition of First Tennessee National
Corporation (the Company) as of December 31, 2002 and the related consolidated
statements of income, shareholders' equity and cash flows for the year then
ended, which report is incorporated by reference in the Company's 2002 Annual
Report on Form 10-K, and to all references to our firm included therein.

Our report refers to our audit of the adjustments that were applied for the
restatements of the 2001 and 2000 consolidated financial statements, as more
fully described in Notes 1 and 22 to the consolidated financial statements, and
the revision described in Note 7 to the consolidated financial statements.
However, we were not engaged to audit, review, or apply any procedures to the
2001 and 2000 consolidated financial statements other than with respect to such
adjustments.




KPMG LLP


June 11, 2003