IRVING, Texas, Dec. 20, 2004 (PRIMEZONE) -- Veteran Texas banker Marcus E. Angle Jr. has been selected as president of the Texas region of First Horizon Bank, the national banking brand of First Horizon National Corp. (NYSE:FHN).

A photo accompanying this release is available at: http://www.primezone.com/newsroom/prs/?pkgid=1349

First Horizon National Corp. is one of the nation's 30 largest financial services companies, and the Texas region is the corporation's third banking market. The corporation's First Tennessee Bank has the largest market share in Tennessee and one of the highest customer retention rates of any bank in the country, and First Horizon Bank has a growing presence in Northern Virginia, with seven offices in the Washington, D.C., area. All First Horizon National Corp. companies operate under the customer promise to provide "all things financial," with a focus on building long-term relationships with customers and employees.

Angle, 43, former CEO of SouthTrust Bank of the Dallas/Ft. Worth metroplex, is gathering a team of experienced bankers to offer commercial banking services in both the Dallas and Ft. Worth markets in early 2005. Angle also expects to open the first Texas office of First Horizon Bank in the first quarter of 2005 and other offices throughout the year.

"I am very honored to have the opportunity to be part of First Horizon's push into the great state of Texas," said Angle. "We will do extremely well in the Lone Star State because of the company's commitment to service excellence in all areas of commercial and retail banking. We have outstanding commercial and retail products that will allow us to compete with anyone, but I really feel what will separate us from the competition is our entrepreneurial style of making it easy to do business with us. We know what works in Texas, and we will play to that advantage. There's a new brand of bank in town, and I can't wait to show the market."

First Horizon National Corp.'s mortgage company, First Horizon Home Loans, is headquartered in Irving, Texas, and has more than 1,100 employees who provide mortgage, consumer and construction lending and financial planning and investment services to more than 16,000 customers in the Dallas area. First Horizon is one of the largest mortgage lenders in the Dallas area and during the first 10 months of 2004 made more than $1 billion in mortgage loans in the area. As in Northern Virginia, First Horizon Bank aims to build relationships with customers already familiar with the First Horizon name.

"We focus our energy on building lasting relationships with our customers by understanding their needs and delivering customer value," said Jerry Baker, president of national financial services for First Horizon National Corp. "We've found that once a customer knows about First Horizon, the quality of our relationship managers and the breadth of products and services we offer, they choose to do business with us. We're very pleased that someone with Marc Angle's skills and reputation in Texas will be leading our First Horizon Bank introduction here."

Being named CEO was the culmination of Angle's 22-year career with SouthTrust Bank. During that time Angle enjoyed rapid progression in commercial banking. As a young executive he was sent to several states to resolve problems and grow the organization and its assets. In July 1999 he came to Texas to build the Texas wholesale and retail franchise where he managed markets in Dallas, Houston, San Antonio and Beaumont. He earned his bachelor of science in business administration from Jacksonville State University and his M.B.A. from Samford University.

First Horizon offers a unique approach to banking by offering extended banking hours and its "all things financial" promise to consumers, small businesses and corporate clients, including commercial lending, treasury management, commercial real estate and home loans, private banking, insurance and investments, financial planning, trust services, merchant card services, retail banking and check imaging services for businesses.

About First Horizon

The 12,000 employees of First Horizon National Corp. (NYSE:FHN) provide financial services to individual and business customers through hundreds of offices located in more than 40 states. The corporation's three major brands -- FTN Financial, First Horizon and First Tennessee -- provide customers with a broad range of products and services including:



 --  Capital markets, with one of the nation's top underwriters of
     U.S. government agency securities

 --  Mortgage banking, with one of the nation's top 15 mortgage
     originators and servicers, which earned a top-10 ranking in
     customer satisfaction from J.D. Power and Associates

 --  Retail/commercial banking, with the largest market share in
     Tennessee and one of the highest customer retention rates of any
     bank in the country

FHN companies have been recognized as some of the nation's best employers by AARP, Working Mother, Business Week and Fortune magazines. FHN also was named one of the nation's 100 best corporate citizens by Business Ethics magazine. More information can be found at www.FirstHorizon.com.

The photo is also available via NewsCom, www.newscom.com

First Horizon National Corp.
Marc Angle
(214) 441-4733

Jerry Baker
(214) 441-5304