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