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