UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 13F

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: September 30, 2010

Check here if Amendment [ ]; Amendment Number:__________

This Amendment (Check only one): [ ] is a restatement.
                                 [ ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:    PINNACLE FINANCIAL PARTNERS, INC.
Address: 150 Third Avenue South
         Suite 900
         Nashville, TN 37201

Form 13F File Number: 28-12761

The institutional investment manager filing this report and the person by whom
it is signed hereby represents that the person signing the report is authorized
to submit it, that all information contained herein is true, correct and
complete, and that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:  Harold R. Carpenter
Title: Chief Financial Officer
Phone: 615-744-3742

Signature, Place, and Date of Signing:


/s/ Harold R. Carpenter                 Nashville, Tennessee   October 22, 2010
-------------------------------------   --------------------   -----------------

Report Type (Check only one.):

[X]  13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager
     are reported in this report.)

[ ]  13F NOTICE. (Check here if no holdings reported are in this report, and all
     holdings are reported by other reporting manager(s).)

[ ]  13F COMBINATION REPORT. (Check here if a portion of the holdings from this
     reporting manager are reported in this report and a portion are reported by
     other reporting manager(s).)

FORM 13F FILE NUMBER   NAME
28-_______________     ____________________________



                              FORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:                  0
Form 13F Information Table Entry Total:           221
Form 13F Information Table Value Total:   $   131,460
                                           (thousands)

List of Other Included Managers:

Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.

NONE

NO.   FORM 13F FILE NUMBER   NAME
---   --------------------   ----
____  28-________________    __________________


                                        2





                                                                                                       Voting Authority
                                                               Shares       Put/ Investment   Other  --------------------
Name of Issuer                Title of Class    Cusip   Value   /PRN  SH/PR Call Discretion Managers  Sole  Shared  None
--------------               ---------------- --------- ----- ------- ----- ---- ---------- -------- ------ ------ ------
                                                                                  
1ST SOURCE CORP              COM              336901103   222  12,800 SH         SOLE                12,800
3M CO                        COM              88579Y101   402   4,640 SH         SOLE                 4,640
ABBOTT LABS                  COM              002824100    34     650 SH         OTHER                  650
ABBOTT LABS                  COM              002824100   764  14,629 SH         SOLE                13,279    450    900
AGL RES INC                  COM              001204106    15     400 SH         OTHER                  400
AGL RES INC                  COM              001204106   601  15,675 SH         SOLE                15,325           350
AIR PRODS & CHEMS INC        COM              009158106    25     300 SH         OTHER                  300
AIR PRODS & CHEMS INC        COM              009158106   336   4,052 SH         SOLE                 3,777    200     75
ALCON INC                    COM SHS          H01301102     5      29 SH         OTHER                   29
ALCON INC                    COM SHS          H01301102   740   4,432 SH         SOLE                 4,432
ALTRIA GROUP INC             COM              02209S103    38   1,600 SH         OTHER                1,600
ALTRIA GROUP INC             COM              02209S103   477  19,851 SH         SOLE                17,655  1,900    296
AMAZON COM INC               COM              023135106    15      97 SH         OTHER                   77     20
AMAZON COM INC               COM              023135106 2,304  14,671 SH         SOLE                14,671
AMERICAN EXPRESS CO          COM              025816109    11     268 SH         OTHER                  268
AMERICAN EXPRESS CO          COM              025816109   949  22,570 SH         SOLE                22,570
AMERICAN TOWER CORP          CL A             029912201     4      75 SH         OTHER                   75
AMERICAN TOWER CORP          CL A             029912201 1,176  22,931 SH         SOLE                22,931
AMGEN INC                    COM              031162100     7     125 SH         OTHER                   50     75
AMGEN INC                    COM              031162100   742  13,465 SH         SOLE                13,364           101
AON CORP                     COM              037389103     6     150 SH         OTHER                  150
AON CORP                     COM              037389103   267   6,837 SH         SOLE                 6,500           337
APACHE CORP                  COM              037411105    43     440 SH         OTHER                  240    200
APACHE CORP                  COM              037411105 1,638  16,758 SH         SOLE                16,558           200
APPLE INC                    COM              037833100    11      40 SH         OTHER                          40
APPLE INC                    COM              037833100 1,839   6,480 SH         SOLE                 6,480
AT&T INC                     COM              00206R102     9     300 SH         OTHER                  300
AT&T INC                     COM              00206R102 1,095  38,284 SH         SOLE                37,984           300
AUTOMATIC DATA PROCESSING IN COM              053015103    33     783 SH         OTHER                  650    133
AUTOMATIC DATA PROCESSING IN COM              053015103   530  12,608 SH         SOLE                11,383  1,100    125
BANK OF AMERICA CORPORATION  COM              060505104     8     600 SH         OTHER                  600
BANK OF AMERICA CORPORATION  COM              060505104   208  15,864 SH         SOLE                15,864
BOEING CO                    COM              097023105    23     350 SH         OTHER                  350
BOEING CO                    COM              097023105   516   7,755 SH         SOLE                 7,130    525    100
BRISTOL MYERS SQUIBB CO      COM              110122108    15     564 SH         OTHER                  564
BRISTOL MYERS SQUIBB CO      COM              110122108 1,555  57,341 SH         SOLE                56,891           450
CATERPILLAR INC DEL          COM              149123101    47     597 SH         OTHER                  497    100
CATERPILLAR INC DEL          COM              149123101 1,712  21,761 SH         SOLE                21,011    350    400
CENTURYLINK INC              COM              156700106    10     250 SH         OTHER                  250
CENTURYLINK INC              COM              156700106   280   7,100 SH         SOLE                 7,100
CHESAPEAKE ENERGY CORP       COM              165167107     5     200 SH         OTHER                  200
CHESAPEAKE ENERGY CORP       COM              165167107   635  28,050 SH         SOLE                28,050
CHEVRON CORP NEW             COM              166764100    87   1,076 SH         OTHER                  950    126





                                                                                  
CHEVRON CORP NEW             COM              166764100 1,461  18,031 SH         SOLE                17,431    525     75
CISCO SYS INC                COM              17275R102    27   1,237 SH         OTHER                  537    700
CISCO SYS INC                COM              17275R102   967  44,155 SH         SOLE                44,005           150
COCA COLA CO                 COM              191216100    29     500 SH         OTHER                  500
COCA COLA CO                 COM              191216100 1,808  30,888 SH         SOLE                30,363    425    100
COLGATE PALMOLIVE CO         COM              194162103    93   1,204 SH         OTHER                  271    933
COLGATE PALMOLIVE CO         COM              194162103 1,041  13,534 SH         SOLE                13,134    400
CONOCOPHILLIPS               COM              20825C104    40     700 SH         OTHER                  700
CONOCOPHILLIPS               COM              20825C104   812  14,138 SH         SOLE                13,113    775    250
CORNING INC                  COM              219350105    11     583 SH         OTHER                  308    275
CORNING INC                  COM              219350105 1,283  70,160 SH         SOLE                69,460           700
COSTCO WHSL CORP NEW         COM              22160K105    26     400 SH         OTHER                  200    200
COSTCO WHSL CORP NEW         COM              22160K105 1,562  24,224 SH         SOLE                24,224
CVS CAREMARK CORPORATION     COM              126650100    42   1,350 SH         OTHER                  750    600
CVS CAREMARK CORPORATION     COM              126650100   280   8,908 SH         SOLE                 8,908
DISNEY WALT CO               COM DISNEY       254687106    14     423 SH         OTHER                  423
DISNEY WALT CO               COM DISNEY       254687106   996  30,093 SH         SOLE                30,093
DOMINION RES INC VA NEW      COM              25746U109    17     400 SH         OTHER                  400
DOMINION RES INC VA NEW      COM              25746U109   273   6,260 SH         SOLE                 5,910    200    150
DOW CHEM CO                  COM              260543103    32   1,150 SH         OTHER                  800    350
DOW CHEM CO                  COM              260543103   748  27,241 SH         SOLE                27,241
DU PONT E I DE NEMOURS & CO  COM              263534109    19     420 SH         OTHER                         420
DU PONT E I DE NEMOURS & CO  COM              263534109   547  12,266 SH         SOLE                11,581    685
DUKE ENERGY CORP NEW         COM              26441C105    41   2,300 SH         OTHER                2,300
DUKE ENERGY CORP NEW         COM              26441C105   977  55,170 SH         SOLE                53,270  1,500    400
E M C CORP MASS              COM              268648102    15     745 SH         OTHER                  380    365
E M C CORP MASS              COM              268648102 1,862  91,665 SH         SOLE                89,815  1,850
EATON CORP                   COM              278058102   223   2,700 SH         SOLE                 2,700
EMERSON ELEC CO              COM              291011104    10     198 SH         SOLE                   198
EXELON CORP                  COM              30161N101   204   4,800 SH         SOLE                 4,600           200
EXPRESS SCRIPTS INC          COM              302182100    24     486 SH         OTHER                  486
EXPRESS SCRIPTS INC          COM              302182100 1,115  22,896 SH         SOLE                22,896
EXXON MOBIL CORP             COM              30231G102    78   1,258 SH         OTHER                  950    308
EXXON MOBIL CORP             COM              30231G102 5,201  84,169 SH         SOLE                83,611    456    102
FIRST HORIZON NATL CORP      COM              320517105   423  37,105 SH         SOLE                35,945         1,160
FLUOR CORP NEW               COM              343412102    26     521 SH         OTHER                  291    230
FLUOR CORP NEW               COM              343412102 1,614  32,588 SH         SOLE                32,588
GENERAL ELECTRIC CO          COM              369604103    27   1,654 SH         OTHER                1,654
GENERAL ELECTRIC CO          COM              369604103 1,927 118,574 SH         SOLE               116,641  1,325    608
GENERAL MLS INC              COM              370334104    32     886 SH         OTHER                  850     36
GENERAL MLS INC              COM              370334104   319   8,733 SH         SOLE                 8,133    400    200
GILEAD SCIENCES INC          COM              375558103    18     500 SH         OTHER                  100    400
GILEAD SCIENCES INC          COM              375558103   392  11,015 SH         SOLE                11,015
GOLDMAN SACHS GROUP INC      COM              38141G104    48     335 SH         OTHER                  285     50
GOLDMAN SACHS GROUP INC      COM              38141G104 1,859  12,859 SH         SOLE                12,709    150





                                                                                  
GOODRICH CORP                COM              382388106    15     200 SH         OTHER                  200
GOODRICH CORP                COM              382388106   857  11,620 SH         SOLE                11,620
GOOGLE INC                   CL A             38259P508    17      32 SH         SOLE                    32
HALLIBURTON CO               COM              406216101     5     164 SH         SOLE                   164
HEWLETT PACKARD CO           COM              428236103    25     600 SH         OTHER                  600
HEWLETT PACKARD CO           COM              428236103   607  14,445 SH         SOLE                13,545    800    100
HOME DEPOT INC               COM              437076102    22     700 SH         OTHER                  400    300
HOME DEPOT INC               COM              437076102   867  27,374 SH         SOLE                26,349    825    200
HONEYWELL INTL INC           COM              438516106    52   1,175 SH         OTHER                1,075    100
HONEYWELL INTL INC           COM              438516106 2,090  47,564 SH         SOLE                46,539    750    275
INTEL CORP                   COM              458140100    45   2,360 SH         OTHER                1,860    500
INTEL CORP                   COM              458140100 1,785  92,971 SH         SOLE                89,821  2,050  1,100
INTERNATIONAL BUSINESS MACHS COM              459200101     7      50 SH         OTHER                          50
INTERNATIONAL BUSINESS MACHS COM              459200101 1,381  10,299 SH         SOLE                 9,949    200    150
ISHARES INC                  MSCI BRAZIL      464286400    12     154 SH         SOLE                   154
ISHARES TR                   DJ REGIONAL BK   464288778    17     800 SH         OTHER                  800
ISHARES TR                   DJ REGIONAL BK   464288778   207   9,600 SH         SOLE                 9,000    600
ISHARES TR                   MSCI ACJPN IDX   464288182   222   3,675 SH         SOLE                 3,675
ISHARES TR                   MSCI EAFE IDX    464287465   144   2,621 SH         OTHER                1,371  1,250
ISHARES TR                   MSCI EAFE IDX    464287465 2,493  45,385 SH         SOLE                45,190           195
ISHARES TR                   MSCI EMERG MKT   464287234 1,747  39,008 SH         SOLE                38,508    500
ISHARES TR                   RUSSELL 3000     464287689   256   3,800 SH         SOLE                 3,800
ISHARES TR                   S&P 500 VALUE    464287408   735  13,540 SH         SOLE                13,540
ISHARES TR                   S&P MIDCAP 400   464287507   207   2,579 SH         SOLE                 2,579
ISHARES TR                   S&P MIDCP VALU   464287705    43     600 SH         OTHER                         600
ISHARES TR                   S&P MIDCP VALU   464287705 1,115  15,680 SH         SOLE                15,105    575
ISHARES TR                   S&P SMLCP GROW   464287887    12     200 SH         OTHER                         100    100
ISHARES TR                   S&P SMLCP GROW   464287887 1,723  27,580 SH         SOLE                27,400     30    150
ISHARES TR                   S&P SMLCP VALU   464287879   742  11,933 SH         SOLE                11,933
ISHARES TR                   S&P500 GRW       464287309   860  14,485 SH         SOLE                14,485
ISHARES TR                   US PFD STK IDX   464288687   239   6,015 SH         SOLE                 6,015
ISHARES TR                   BARCLYS TIPS BD  464287176    41     380 SH         SOLE                   380
ISHARES TR                   DJ US REAL EST   464287739    77   1,464 SH         SOLE                 1,464
ISHARES TR                   MSCI EAFE IDX    464287465   898  16,357 SH         SOLE                16,357
ISHARES TR                   RUSL 2000 VALU   464287630   315   5,080 SH         SOLE                 5,080
JOHNSON & JOHNSON            COM              478160104   349   5,630 SH         OTHER                  800  4,830
JOHNSON & JOHNSON            COM              478160104 3,502  56,521 SH         SOLE                55,971    450    100
JPMORGAN CHASE & CO          COM              46625H100    49   1,300 SH         OTHER                  900    400
JPMORGAN CHASE & CO          COM              46625H100 2,553  67,073 SH         SOLE                65,848  1,125    100
KIMBERLY CLARK CORP          COM              494368103    22     342 SH         OTHER                  342
KIMBERLY CLARK CORP          COM              494368103 1,339  20,575 SH         SOLE                19,950    525    100
KRAFT FOODS INC              CL A             50075N104     3     109 SH         OTHER                  109
KRAFT FOODS INC              CL A             50075N104   608  19,723 SH         SOLE                19,723
L-3 COMMUNICATIONS HLDGS INC COM              502424104     7     100 SH         OTHER                  100
L-3 COMMUNICATIONS HLDGS INC COM              502424104   280   3,875 SH         SOLE                 3,875





                                                                                  
LILLY ELI & CO               COM              532457108    24     650 SH         OTHER                  650
LILLY ELI & CO               COM              532457108   313   8,564 SH         SOLE                 8,014    450    100
LINCOLN NATL CORP IND        COM              534187109   595  24,876 SH         SOLE                24,876
MCDONALDS CORP               COM              580135101    35     464 SH         OTHER                  464
MCDONALDS CORP               COM              580135101 1,397  18,748 SH         SOLE                18,048    600    100
MEDTRONIC INC                COM              585055106     2      55 SH         OTHER                   55
MEDTRONIC INC                COM              585055106   672  20,028 SH         SOLE                20,028
MERCK & CO INC NEW           COM              58933Y105    58   1,577 SH         OTHER                1,269    308
MERCK & CO INC NEW           COM              58933Y105 1,913  51,992 SH         SOLE                51,842           150
MGM RESORTS INTERNATIONAL    COM              552953101     2     200 SH         SOLE                   200
MICROSOFT CORP               COM              594918104    29   1,200 SH         OTHER                1,200
MICROSOFT CORP               COM              594918104   630  25,721 SH         SOLE                24,121  1,400    200
MONSANTO CO NEW              COM              61166W101    11     236 SH         OTHER                   88    148
MONSANTO CO NEW              COM              61166W101   993  20,714 SH         SOLE                20,714
MORGAN STANLEY               COM              617446448     9     347 SH         OTHER                   97    250
MORGAN STANLEY               COM              617446448 1,255  50,860 SH         SOLE                50,410    450
MOTOROLA INC                 COM              620076109     9   1,000 SH         SOLE                 1,000
NATIONAL HEALTH INVS INC     COM              63633D104   698  15,836 SH         SOLE                15,336           500
NATIONAL HEALTHCARE CORP     COM              635906100   351   9,461 SH         SOLE                 9,361           100
NATIONAL HEALTHCARE CORP     PFD CONV         635906209   249  18,314 SH         SOLE                18,314
NATIONAL OILWELL VARCO INC   COM              637071101    33     738 SH         OTHER                  438    300
NATIONAL OILWELL VARCO INC   COM              637071101 2,525  56,780 SH         SOLE                56,780
NEW YORK CMNTY BANCORP INC   COM              649445103    20   1,250 SH         OTHER                1,250
NEW YORK CMNTY BANCORP INC   COM              649445103   373  22,950 SH         SOLE                20,850  1,750    350
NIKE INC                     CL B             654106103    49     609 SH         OTHER                  509    100
NIKE INC                     CL B             654106103 2,319  28,935 SH         SOLE                28,335    500    100
NORTHERN TR CORP             COM              665859104    10     200 SH         SOLE                   200
ORACLE CORP                  COM              68389X105    66   2,454 SH         OTHER                1,704    750
ORACLE CORP                  COM              68389X105 2,463  91,709 SH         SOLE                90,009  1,500    200
PEABODY ENERGY CORP          COM              704549104     7     150 SH         OTHER                  150
PEABODY ENERGY CORP          COM              704549104   231   4,710 SH         SOLE                 4,710
PEPSICO INC                  COM              713448108   311   4,683 SH         OTHER                1,850  2,833
PEPSICO INC                  COM              713448108 4,105  61,783 SH         SOLE                60,683    900    200
PFIZER INC                   COM              717081103   991  57,698 SH         SOLE                57,198           500
PHILIP MORRIS INTL INC       COM              718172109   737  13,149 SH         SOLE                13,149
PIEDMONT NAT GAS INC         COM              720186105   409  14,112 SH         SOLE                14,112
PINNACLE FINL PARTNERS INC   COM              72346Q104 3,266 355,364 SH         SOLE               334,725        20,639
POWERSHS DB MULTI SECT COMM  DB PREC MTLS     73936B200   512  11,315 SH         SOLE                11,315
PROCTER & GAMBLE CO          COM              742718109    45     750 SH         OTHER                  750
PROCTER & GAMBLE CO          COM              742718109 1,843  30,738 SH         SOLE                29,488    900    350
PROGRESS ENERGY INC          COM              743263105    13     300 SH         OTHER                  300
PROGRESS ENERGY INC          COM              743263105   429   9,665 SH         SOLE                 9,170    350    145
PROSHARES TR                 PSHS ULTSH 20YRS 74347R297   248   7,950 SH         SOLE                 7,950
PRUDENTIAL FINL INC          COM              744320102    43     797 SH         OTHER                  797
PRUDENTIAL FINL INC          COM              744320102 1,530  28,244 SH         SOLE                27,494    650    100





                                                                                  
QUALCOMM INC                 COM              747525103    41     899 SH         OTHER                  549    350
QUALCOMM INC                 COM              747525103 1,772  39,268 SH         SOLE                39,268
RAYTHEON CO                  COM NEW          755111507     8     185 SH         SOLE                   185
REGIONS FINANCIAL CORP NEW   COM              7591EP100    24   3,282 SH         OTHER                       3,282
REGIONS FINANCIAL CORP NEW   COM              7591EP100 1,771 243,616 SH         SOLE               236,589         7,027
REPSOL YPF S A               SPONSORED ADR    76026T205    36   1,400 SH         SOLE                 1,400
RESEARCH IN MOTION LTD       COM              760975102     5     100 SH         OTHER                  100
RESEARCH IN MOTION LTD       COM              760975102   256   5,254 SH         SOLE                 5,254
SCHLUMBERGER LTD             COM              806857108    22     349 SH         OTHER                  349
SCHLUMBERGER LTD             COM              806857108 1,699  27,579 SH         SOLE                27,579
SHERWIN WILLIAMS CO          COM              824348106   234   3,110 SH         SOLE                 3,110
SIGMA ALDRICH CORP           COM              826552101    12     198 SH         OTHER                   98    100
SIGMA ALDRICH CORP           COM              826552101 1,561  25,850 SH         SOLE                25,850
SOUTHERN CO                  COM              842587107    22     578 SH         OTHER                  578
SOUTHERN CO                  COM              842587107 1,451  38,978 SH         SOLE                38,428    500     50
SPDR S&P 500 ETF TR          TR UNIT          78462F103   307   2,690 SH         SOLE                 2,690
SPDR S&P MIDCAP 400 ETF TR   UTSER1 S&PDCRP   78467Y107    23     156 SH         SOLE                   156
SPDR SERIES TRUST            DJ SML GRWTH ETF 78464A201   739   7,904 SH         SOLE                 7,904
SPDR SERIES TRUST            DJ SML VALUE ETF 78464A300   547   8,933 SH         SOLE                 8,933
SPECTRA ENERGY CORP          COM              847560109    16     700 SH         OTHER                  700
SPECTRA ENERGY CORP          COM              847560109   515  22,850 SH         SOLE                22,760            90
STRYKER CORP                 COM              863667101     4      80 SH         SOLE                    80
SUNTRUST BKS INC             COM              867914103   506  19,574 SH         SOLE                19,574
TEVA PHARMACEUTICAL INDS LTD ADR              881624209    22     418 SH         OTHER                  418
TEVA PHARMACEUTICAL INDS LTD ADR              881624209 1,084  20,560 SH         SOLE                20,460           100
TEXAS INSTRS INC             COM              882508104     9     329 SH         SOLE                   329
THERMO FISHER SCIENTIFIC INC COM              883556102     7     150 SH         SOLE                   150
TJX COS INC NEW              COM              872540109     9     212 SH         SOLE                   212
UNION PAC CORP               COM              907818108    20     250 SH         OTHER                  140    110
UNION PAC CORP               COM              907818108 1,762  21,549 SH         SOLE                21,549
UNITED TECHNOLOGIES CORP     COM              913017109    25     350 SH         OTHER                  350
UNITED TECHNOLOGIES CORP     COM              913017109   689   9,676 SH         SOLE                 9,001    575    100
VANGUARD BD INDEX FD INC     SHORT TRM BOND   921937827 2,414  29,530 SH         SOLE                29,530
VANGUARD INTL EQUITY INDEX F EMR MKT ETF      922042858    25     550 SH         SOLE                   550
VANGUARD INDEX FDS           STK MRK ETF      922908769   321   5,500 SH         SOLE                 5,500
VERIZON COMMUNICATIONS INC   COM              92343V104    51   1,550 SH         OTHER                1,050    500
VERIZON COMMUNICATIONS INC   COM              92343V104 1,396  42,844 SH         SOLE                40,411  1,400  1,033
WAL MART STORES INC          COM              931142103    37     700 SH         OTHER                  700
WAL MART STORES INC          COM              931142103   964  18,020 SH         SOLE                17,320    300    400
WELLS FARGO & CO NEW         COM              949746101    39   1,550 SH         OTHER                1,050    500
WELLS FARGO & CO NEW         COM              949746101 1,667  66,352 SH         SOLE                65,852    500
YUM BRANDS INC               COM              988498101    10     208 SH         OTHER                  208
YUM BRANDS INC               COM              988498101   921  19,992 SH         SOLE                19,992