UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended: December 31, 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 February 3, 2011 -------------------------------------- -------------------- ---------------- 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: 218 Form 13F Information Table Value Total: $ 145,255 (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 259 12,800 SH SOLE 12,800 3M CO COM 88579Y101 370 4,290 SH SOLE 4,290 ABBOTT LABS COM 002824100 31 650 SH OTHER 650 ABBOTT LABS COM 002824100 670 13,990 SH SOLE 12,765 450 775 AGL RES INC COM 001204106 14 400 SH OTHER 400 AGL RES INC COM 001204106 562 15,675 SH SOLE 15,325 350 AIR PRODS & CHEMS INC COM 009158106 27 300 SH OTHER 300 AIR PRODS & CHEMS INC COM 009158106 383 4,211 SH SOLE 3,936 200 75 ALCON INC COM SHS H01301102 5 29 SH OTHER 29 ALCON INC COM SHS H01301102 680 4,160 SH SOLE 4,160 ALTRIA GROUP INC COM 02209S103 39 1,600 SH OTHER 1,600 ALTRIA GROUP INC COM 02209S103 508 20,646 SH SOLE 18,450 1900 296 AMAZON COM INC COM 023135106 17 97 SH OTHER 77 20 AMAZON COM INC COM 023135106 2,582 14,346 SH SOLE 14,346 AMERICAN EXPRESS CO COM 025816109 12 268 SH OTHER 268 AMERICAN EXPRESS CO COM 025816109 1,060 24,717 SH SOLE 24,717 AMERICAN TOWER CORP CL A 029912201 14 275 SH OTHER 275 AMERICAN TOWER CORP CL A 029912201 1,183 22,911 SH SOLE 22,911 AMGEN INC COM 031162100 7 125 SH OTHER 50 75 AMGEN INC COM 031162100 762 13,878 SH SOLE 13,777 101 AON CORP COM 037389103 7 150 SH OTHER 150 AON CORP COM 037389103 315 6,837 SH SOLE 6,500 337 APACHE CORP COM 037411105 46 390 SH OTHER 190 200 APACHE CORP COM 037411105 1,967 16,498 SH SOLE 16,373 125 APPLE INC COM 037833100 13 40 SH OTHER 40 APPLE INC COM 037833100 2,017 6,254 SH SOLE 6,254 AT&T INC COM 00206R102 9 300 SH OTHER 300 AT&T INC COM 00206R102 1,165 39,662 SH SOLE 39,362 300 AUTOMATIC DATA PROCESSING IN COM 053015103 36 783 SH OTHER 650 133 AUTOMATIC DATA PROCESSING IN COM 053015103 588 12,708 SH SOLE 11,483 1100 125 BANK OF AMERICA CORPORATION COM 060505104 8 600 SH OTHER 600 BANK OF AMERICA CORPORATION COM 060505104 180 13,464 SH SOLE 13,464 BOEING CO COM 097023105 23 350 SH OTHER 350 BOEING CO COM 097023105 503 7,705 SH SOLE 7,080 525 100 BRISTOL MYERS SQUIBB CO COM 110122108 15 564 SH OTHER 564 BRISTOL MYERS SQUIBB CO COM 110122108 1,511 57,031 SH SOLE 56,581 450 CATERPILLAR INC DEL COM 149123101 56 597 SH OTHER 497 100 CATERPILLAR INC DEL COM 149123101 2,057 21,963 SH SOLE 21,213 350 400 CENTURYLINK INC COM 156700106 12 250 SH OTHER 250 CENTURYLINK INC COM 156700106 328 7,100 SH SOLE 7,100 CHESAPEAKE ENERGY CORP COM 165167107 5 200 SH OTHER 200 CHESAPEAKE ENERGY CORP COM 165167107 727 28,050 SH SOLE 28,050 CHEVRON CORP NEW COM 166764100 98 1,076 SH OTHER 950 126 CHEVRON CORP NEW COM 166764100 1,625 17,804 SH SOLE 17,204 525 75 CISCO SYS INC COM 17275R102 33 1,637 SH OTHER 937 700 CISCO SYS INC COM 17275R102 1,054 52,094 SH SOLE 51,944 150 COCA COLA CO COM 191216100 33 500 SH OTHER 500 COCA COLA CO COM 191216100 2,101 31,951 SH SOLE 31,426 425 100 COLGATE PALMOLIVE CO COM 194162103 97 1,204 SH OTHER 271 933 COLGATE PALMOLIVE CO COM 194162103 1,128 14,036 SH SOLE 13,636 400 CONOCOPHILLIPS COM 20825C104 48 700 SH OTHER 700 CONOCOPHILLIPS COM 20825C104 963 14,138 SH SOLE 13,113 775 250 CORNING INC COM 219350105 17 883 SH OTHER 408 475 CORNING INC COM 219350105 1,358 70,329 SH SOLE 69,929 400 COSTCO WHSL CORP NEW COM 22160K105 22 300 SH OTHER 100 200 COSTCO WHSL CORP NEW COM 22160K105 1,730 23,958 SH SOLE 23,958 CVS CAREMARK CORPORATION COM 126650100 26 750 SH OTHER 750 CVS CAREMARK CORPORATION COM 126650100 299 8,588 SH SOLE 8,588 DISNEY WALT CO COM DISNEY 254687106 16 423 SH OTHER 423 DISNEY WALT CO COM DISNEY 254687106 1,166 31,084 SH SOLE 31,084 DOMINION RES INC VA NEW COM 25746U109 17 400 SH OTHER 400 DOMINION RES INC VA NEW COM 25746U109 267 6,260 SH SOLE 5,910 200 150 DOW CHEM CO COM 260543103 17 500 SH OTHER 500 DOW CHEM CO COM 260543103 390 11,419 SH SOLE 11,419 DU PONT E I DE NEMOURS & CO COM 263534109 21 420 SH OTHER 420 DU PONT E I DE NEMOURS & CO COM 263534109 612 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 1,014 56,920 SH SOLE 55,020 1500 400 E M C CORP MASS COM 268648102 17 745 SH OTHER 380 365 E M C CORP MASS COM 268648102 2,134 93,161 SH SOLE 91,311 1850 EATON CORP COM 278058102 294 2,900 SH SOLE 2,900 EXPRESS SCRIPTS INC COM 302182100 26 486 SH OTHER 486 EXPRESS SCRIPTS INC COM 302182100 1,217 22,521 SH SOLE 22,521 EXXON MOBIL CORP COM 30231G102 92 1,258 SH OTHER 950 308 EXXON MOBIL CORP COM 30231G102 6,133 83,873 SH SOLE 83,315 456 102 FIRST HORIZON NATL CORP COM 320517105 435 36,906 SH SOLE 35,728 1178 FLUOR CORP NEW COM 343412102 35 521 SH OTHER 291 230 FLUOR CORP NEW COM 343412102 2,109 31,833 SH SOLE 31,833 GENERAL ELECTRIC CO COM 369604103 34 1,854 SH OTHER 1,854 GENERAL ELECTRIC CO COM 369604103 2,155 117,839 SH SOLE 116,206 1025 608 GENERAL MLS INC COM 370334104 32 886 SH OTHER 850 36 GENERAL MLS INC COM 370334104 315 8,859 SH SOLE 8,259 400 200 GILEAD SCIENCES INC COM 375558103 18 500 SH OTHER 100 400 GILEAD SCIENCES INC COM 375558103 399 11,015 SH SOLE 11,015 GOLDMAN SACHS GROUP INC COM 38141G104 56 335 SH OTHER 285 50 GOLDMAN SACHS GROUP INC COM 38141G104 2,141 12,729 SH SOLE 12,579 150 GOODRICH CORP COM 382388106 18 200 SH OTHER 200 GOODRICH CORP COM 382388106 898 10,195 SH SOLE 10,195 GOOGLE INC CL A 38259P508 17 28 SH OTHER 28 GOOGLE INC CL A 38259P508 917 1,545 SH SOLE 1,545 HEWLETT PACKARD CO COM 428236103 25 600 SH OTHER 600 HEWLETT PACKARD CO COM 428236103 557 13,225 SH SOLE 12,475 650 100 HOME DEPOT INC COM 437076102 25 700 SH OTHER 400 300 HOME DEPOT INC COM 437076102 927 26,449 SH SOLE 25,424 825 200 HONEYWELL INTL INC COM 438516106 62 1,175 SH OTHER 1,075 100 HONEYWELL INTL INC COM 438516106 2,528 47,545 SH SOLE 46,520 750 275 INTEL CORP COM 458140100 54 2,560 SH OTHER 1,860 700 INTEL CORP COM 458140100 2,025 96,291 SH SOLE 93,141 2050 1100 INTERNATIONAL BUSINESS MACHS COM 459200101 7 50 SH OTHER 50 INTERNATIONAL BUSINESS MACHS COM 459200101 1,497 10,197 SH SOLE 9,847 200 150 INTL PAPER CO COM 460146103 3 100 SH OTHER 100 INTL PAPER CO COM 460146103 223 8,200 SH SOLE 8,200 ISHARES INC MSCI BRAZIL 464286400 47 609 SH SOLE 609 ISHARES TR DJ REGIONAL BK 464288778 20 800 SH OTHER 800 ISHARES TR DJ REGIONAL BK 464288778 226 9,150 SH SOLE 8,550 600 ISHARES TR MSCI ACJPN IDX 464288182 247 3,875 SH SOLE 3,875 ISHARES TR MSCI EAFE IDX 464287465 156 2,671 SH OTHER 1,421 1250 ISHARES TR MSCI EAFE IDX 464287465 3,313 56,901 SH SOLE 56,901 ISHARES TR MSCI EMERG MKT 464287234 7 150 SH OTHER 150 ISHARES TR MSCI EMERG MKT 464287234 1,912 40,137 SH SOLE 39,637 500 ISHARES TR S&P 500 VALUE 464287408 809 13,570 SH SOLE 13,570 ISHARES TR S&P MIDCAP 400 464287507 234 2,579 SH SOLE 2,579 ISHARES TR S&P MIDCP VALU 464287705 48 600 SH OTHER 600 ISHARES TR S&P MIDCP VALU 464287705 1,246 15,680 SH SOLE 15,105 575 ISHARES TR S&P SMLCP GROW 464287887 15 200 SH OTHER 100 100 ISHARES TR S&P SMLCP GROW 464287887 1,992 27,439 SH SOLE 27,259 30 150 ISHARES TR S&P SMLCP VALU 464287879 47 650 SH OTHER 650 ISHARES TR S&P SMLCP VALU 464287879 872 12,133 SH SOLE 12,133 ISHARES TR S&P500 GRW 464287309 937 14,280 SH SOLE 14,280 ISHARES TR US PFD STK IDX 464288687 233 6,015 SH SOLE 6,015 ISHARES TR BARCLYS TIPS BD 464287176 41 380 SH SOLE 380 ISHARES TR RUSL 2000 VALU 464287630 361 5,080 SH SOLE 5,080 JOHNSON & JOHNSON COM 478160104 342 5,530 SH OTHER 700 4830 JOHNSON & JOHNSON COM 478160104 3,301 53,374 SH SOLE 52,824 450 100 JPMORGAN CHASE & CO COM 46625H100 55 1,300 SH OTHER 900 400 JPMORGAN CHASE & CO COM 46625H100 2,770 65,304 SH SOLE 64,079 1125 100 KIMBERLY CLARK CORP COM 494368103 22 342 SH OTHER 342 KIMBERLY CLARK CORP COM 494368103 1,374 21,800 SH SOLE 21,175 525 100 KRAFT FOODS INC CL A 50075N104 8 259 SH OTHER 259 KRAFT FOODS INC CL A 50075N104 877 27,845 SH SOLE 27,845 L-3 COMMUNICATIONS HLDGS INC COM 502424104 7 100 SH OTHER 100 L-3 COMMUNICATIONS HLDGS INC COM 502424104 273 3,875 SH SOLE 3,875 LILLY ELI & CO COM 532457108 23 650 SH OTHER 650 LILLY ELI & CO COM 532457108 277 7,914 SH SOLE 7,364 450 100 LINCOLN NATL CORP IND COM 534187109 692 24,876 SH SOLE 24,876 MCDONALDS CORP COM 580135101 36 464 SH OTHER 464 MCDONALDS CORP COM 580135101 1,543 20,111 SH SOLE 19,411 600 100 MEDTRONIC INC COM 585055106 11 305 SH OTHER 305 MEDTRONIC INC COM 585055106 822 22,165 SH SOLE 22,165 MERCK & CO INC NEW COM 58933Y105 57 1,577 SH OTHER 1,269 308 MERCK & CO INC NEW COM 58933Y105 1,834 50,903 SH SOLE 50,753 150 MGM RESORTS INTERNATIONAL COM 552953101 3 200 SH SOLE 200 MICROSOFT CORP COM 594918104 28 1,000 SH OTHER 1,000 MICROSOFT CORP COM 594918104 636 22,796 SH SOLE 21,196 1400 200 MONSANTO CO NEW COM 61166W101 5 77 SH OTHER 61 16 MONSANTO CO NEW COM 61166W101 735 10,549 SH SOLE 10,549 MORGAN STANLEY COM NEW 617446448 9 347 SH OTHER 97 250 MORGAN STANLEY COM NEW 617446448 1,348 49,546 SH SOLE 49,096 450 MOTOROLA INC COM 620076109 9 1,000 SH SOLE 1,000 NATIONAL HEALTH INVS INC COM 63633D104 758 16,836 SH SOLE 16,336 500 NATIONAL HEALTHCARE CORP COM 635906100 379 8,191 SH SOLE 8,091 100 NATIONAL HEALTHCARE CORP PFD CONV SER A 635906209 252 18,314 SH SOLE 18,314 NATIONAL OILWELL VARCO INC COM 637071101 50 738 SH OTHER 438 300 NATIONAL OILWELL VARCO INC COM 637071101 3,348 49,777 SH SOLE 49,777 NEW YORK CMNTY BANCORP INC COM 649445103 24 1,250 SH OTHER 1,250 NEW YORK CMNTY BANCORP INC COM 649445103 518 27,500 SH SOLE 25,100 1750 650 NIKE INC CL B 654106103 52 609 SH OTHER 509 100 NIKE INC CL B 654106103 2,423 28,366 SH SOLE 27,766 500 100 NORFOLK SOUTHERN CORP COM 655844108 6 100 SH OTHER 100 NORFOLK SOUTHERN CORP COM 655844108 220 3,510 SH SOLE 3,285 225 NORTHERN TR CORP COM 665859104 11 200 SH SOLE 200 ORACLE CORP COM 68389X105 77 2,454 SH OTHER 1,704 750 ORACLE CORP COM 68389X105 2,853 91,151 SH SOLE 89,451 1500 200 PEABODY ENERGY CORP COM 704549104 10 150 SH OTHER 150 PEABODY ENERGY CORP COM 704549104 295 4,610 SH SOLE 4,610 PEPSICO INC COM 713448108 306 4,683 SH OTHER 1,850 2833 PEPSICO INC COM 713448108 3,882 59,418 SH SOLE 58,318 900 200 PFIZER INC COM 717081103 1,017 58,073 SH SOLE 57,573 500 PHILIP MORRIS INTL INC COM 718172109 762 13,012 SH SOLE 13,012 PIEDMONT NAT GAS INC COM 720186105 395 14,112 SH SOLE 14,112 PINNACLE FINL PARTNERS INC COM 72346Q104 4,750 349,807 SH SOLE 329,168 20639 POWERSHS DB MULTI SECT COMM DB PREC MTLS 73936B200 586 11,315 SH SOLE 11,315 PROCTER & GAMBLE CO COM 742718109 48 750 SH OTHER 750 PROCTER & GAMBLE CO COM 742718109 1,926 29,935 SH SOLE 28,835 900 200 PROGRESS ENERGY INC COM 743263105 13 300 SH OTHER 300 PROGRESS ENERGY INC COM 743263105 425 9,765 SH SOLE 9,270 350 145 PROSHARES TR PSHS ULTSH 20YRS 74347R297 257 6,950 SH SOLE 6,950 PRUDENTIAL FINL INC COM 744320102 47 797 SH OTHER 797 PRUDENTIAL FINL INC COM 744320102 1,808 30,785 SH SOLE 30,035 650 100 QUALCOMM INC COM 747525103 49 999 SH OTHER 649 350 QUALCOMM INC COM 747525103 1,982 40,052 SH SOLE 40,052 REGIONS FINANCIAL CORP NEW COM 7591EP100 23 3,282 SH OTHER 3282 REGIONS FINANCIAL CORP NEW COM 7591EP100 1,701 242,968 SH SOLE 235,941 7027 REPSOL YPF S A SPONSORED ADR 76026T205 39 1,400 SH SOLE 1,400 RESEARCH IN MOTION LTD COM 760975102 262 4,504 SH SOLE 4,504 SCHLUMBERGER LTD COM 806857108 29 349 SH OTHER 349 SCHLUMBERGER LTD COM 806857108 2,366 28,341 SH SOLE 28,341 SHERWIN WILLIAMS CO COM 824348106 260 3,110 SH SOLE 3,110 SIGMA ALDRICH CORP COM 826552101 13 198 SH OTHER 98 100 SIGMA ALDRICH CORP COM 826552101 1,721 25,863 SH SOLE 25,863 SOUTHERN CO COM 842587107 22 578 SH OTHER 578 SOUTHERN CO COM 842587107 1,707 44,654 SH SOLE 43,704 500 450 SPDR GOLD TRUST GOLD SHS 78463V107 296 2,135 SH SOLE 2,135 SPDR S&P 500 ETF TR TR UNIT 78462F103 677 5,385 SH SOLE 5,385 SPDR SERIES TRUST DJ SML GRWTH ETF 78464A201 752 6,901 SH SOLE 6,901 SPDR SERIES TRUST DL SML VALUE ETF 78464A300 613 8,885 SH SOLE 8,885 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 26 156 SH SOLE 156 SPECTRA ENERGY CORP COM 847560109 17 700 SH OTHER 700 SPECTRA ENERGY CORP COM 847560109 571 22,850 SH SOLE 22,760 90 STRYKER CORP COM 863667101 4 80 SH SOLE 80 SUNTRUST BKS INC COM 867914103 556 18,853 SH SOLE 18,853 TEVA PHARMACEUTICAL INDS LTD ADR 881624209 22 418 SH OTHER 418 TEVA PHARMACEUTICAL INDS LTD ADR 881624209 1,066 20,447 SH SOLE 20,347 100 UNION PAC CORP COM 907818108 23 250 SH OTHER 140 110 UNION PAC CORP COM 907818108 1,866 20,144 SH SOLE 20,144 UNITED TECHNOLOGIES CORP COM 913017109 28 350 SH OTHER 350 UNITED TECHNOLOGIES CORP COM 913017109 754 9,573 SH SOLE 8,898 575 100 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 2,376 29,530 SH SOLE 29,530 VANGUARD INTL EQUITY INDEX F EMR MKT ETF 922042858 26 550 SH SOLE 550 VANGUARD INDEX FDS STK MRK ETF 922908769 357 5,500 SH SOLE 5,500 VERIZON COMMUNICATIONS INC COM 92343V104 63 1,750 SH OTHER 1,250 500 VERIZON COMMUNICATIONS INC COM 92343V104 1,547 43,240 SH SOLE 41,007 1400 833 WAL MART STORES INC COM 931142103 38 700 SH OTHER 700 WAL MART STORES INC COM 931142103 983 18,230 SH SOLE 17,530 300 400 WELLS FARGO & CO NEW COM 949746101 54 1,750 SH OTHER 1,250 500 WELLS FARGO & CO NEW COM 949746101 1,924 62,083 SH SOLE 61,583 500 YUM BRANDS INC COM 988498101 15 308 SH OTHER 308 YUM BRANDS INC COM 988498101 679 13,851 SH SOLE 13,851