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, 2009 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: 211 Commerce Street Suite 300 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, 2009 ------------------------------------ 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: 243 Form 13F Information Table Value Total: $120,271 (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 FORM 13F INFORMATION TABLE Voting Authority Shares/ Investment Other --------------------- Name of Issuer Title of Class Cusip Value PRN SH/PR Put/Call Discretion Managers Sole Shared None -------------- --------------------- --------- ----- ------- ----- -------- ---------- -------- ------- ------ ------ 3M CO COM 88579Y101 443 6,000 SH SOLE 6,000 ABBOTT LABS COM 002824100 741 14,977 SH SOLE 13,627 450 900 ABBOTT LABS COM 002824100 32 650 SH OTHER 650 ACCENTURE PLC IRELAND - ACN SHS CLASS A G1151C101 9 245 SH SOLE 245 ADOBE SYS INC COM 00724F101 12 364 SH SOLE 364 AGL RES INC COM 001204106 801 22,700 SH SOLE 22,350 350 AGL RES INC COM 001204106 14 400 SH OTHER 400 AIR PRODS & CHEMS INC COM 009158106 1,353 17,432 SH SOLE 17,157 200 75 AIR PRODS & CHEMS INC COM 009158106 45 575 SH OTHER 475 100 ALCOA INC COM 013817101 1,420 108,253 SH SOLE 108,253 ALCOA INC COM 013817101 23 1,715 SH OTHER 1,215 500 ALCON INCORPORATED COM SHS - ACL COM SHS H01301102 21 155 SH SOLE 155 ALTRIA GROUP INC COM 02209S103 288 16,176 SH SOLE 13,980 1,900 296 ALTRIA GROUP INC COM 02209S103 28 1,600 SH OTHER 1,600 AMAZON COM INC COM 023135106 1,396 14,954 SH SOLE 14,954 AMAZON COM INC COM 023135106 9 97 SH OTHER 77 20 AMERICA MOVIL SAB DE CV - AMX SPON ADR L SHS 02364W105 14 319 SH SOLE 319 AMERICAN EXPRESS CO COM 025816109 8 222 SH SOLE 222 AMGEN INC COM 031162100 611 10,137 SH SOLE 10,036 101 AMGEN INC COM 031162100 3 44 SH OTHER 22 22 AON CORP COM 037389103 351 8,637 SH SOLE 8,300 337 AON CORP COM 037389103 26 650 SH OTHER 650 APACHE CORP COM 037411105 1,494 16,271 SH SOLE 16,071 200 APACHE CORP COM 037411105 40 440 SH OTHER 240 200 APPLE INC COM 037833100 1,691 9,121 SH SOLE 9,121 APPLE INC COM 037833100 10 55 SH OTHER 55 AT&T INC COM 00206R102 2,115 78,301 SH SOLE 76,506 1,645 150 AT&T INC COM 00206R102 52 1,916 SH OTHER 1,616 300 AUTOMATIC DATA PROCESSING IN COM 053015103 608 15,483 SH SOLE 14,258 1,100 125 AUTOMATIC DATA PROCESSING IN COM 053015103 27 683 SH OTHER 550 133 BAIDU INC SPON ADR REP A 056752108 7 19 SH SOLE 19 BANK OF AMERICA CORPORATION COM 060505104 397 23,433 SH SOLE 23,283 150 BANK OF AMERICA CORPORATION COM 060505104 10 600 SH OTHER 600 BANK OF NEW YORK MELLON CORP COM 064058100 1,056 36,414 SH SOLE 35,493 921 BANK OF NEW YORK MELLON CORP COM 064058100 29 1,000 SH OTHER 1,000 BAXTER INTERNATIONAL INC COM 071813109 0 0 SH SOLE 0 BECTON DICKINSON & CO COM 075887109 679 9,744 SH SOLE 9,744 BECTON DICKINSON & CO COM 075887109 15 220 SH OTHER 120 100 BIOVAIL CORP COM 09067J109 10 660 SH SOLE 660 BLDRS INDEX FDS TR DEV MK 100 ADR 09348R201 489 23,168 SH SOLE 23,168 BOEING CO COM 097023105 459 8,480 SH SOLE 7,630 750 100 BOEING CO COM 097023105 27 500 SH OTHER 500 BP PLC SPONSORED ADR 055622104 740 13,908 SH SOLE 12,983 825 100 BP PLC SPONSORED ADR 055622104 43 809 SH OTHER 700 109 BRISTOL MYERS SQUIBB CO COM 110122108 542 24,060 SH SOLE 24,060 CAMERON INTERNATIONAL CORP COM 13342B105 16 424 SH SOLE 424 CATERPILLAR INC DEL COM 149123101 453 8,825 SH SOLE 7,825 600 400 CATERPILLAR INC DEL COM 149123101 26 500 SH OTHER 500 CHESAPEAKE ENERGY CORP COM 165167107 812 28,596 SH SOLE 28,596 CHESAPEAKE ENERGY CORP COM 165167107 6 200 SH OTHER 200 CHEVRON CORP NEW COM 166764100 1,165 16,543 SH SOLE 15,943 525 75 CHEVRON CORP NEW COM 166764100 104 1,476 SH OTHER 1,350 126 CHUBB CORPORATION COM 171232101 3 60 SH SOLE 60 CISCO SYS INC COM 17275R102 205 8,705 SH SOLE 8,705 CISCO SYS INC COM 17275R102 16 700 SH OTHER 700 CITIGROUP INCORPORATED - C COM 172967101 1 214 SH SOLE 214 COCA COLA CO COM 191216100 1,761 32,779 SH SOLE 32,254 425 100 COCA COLA CO COM 191216100 27 500 SH OTHER 500 COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 13 325 SH SOLE 325 COLGATE PALMOLIVE CO COM 194162103 208 2,723 SH SOLE 2,323 400 COLGATE PALMOLIVE CO COM 194162103 71 933 SH OTHER 933 CONOCOPHILLIPS COM 20825C104 1,510 33,450 SH SOLE 32,350 850 250 CONOCOPHILLIPS COM 20825C104 38 844 SH OTHER 844 CORNING INC COM 219350105 901 58,849 SH SOLE 58,149 700 CORNING INC COM 219350105 9 583 SH OTHER 308 275 COSTCO WHSL CORP NEW COM 22160K105 1,391 24,666 SH SOLE 24,666 COSTCO WHSL CORP NEW COM 22160K105 23 400 SH OTHER 200 200 CUMMINS INC COM 231021106 11 246 SH SOLE 246 CVS CAREMARK CORPORATION COM 126650100 389 10,871 SH SOLE 10,671 200 CVS CAREMARK CORPORATION COM 126650100 48 1,350 SH OTHER 750 600 DANAHER CORPORATION DEL COM 235851102 16 239 SH SOLE 239 DENTSPLY INTL INC NEW COM 249030107 10 277 SH SOLE 277 DIRECTV GROUP INC COM 25459L106 9 319 SH SOLE 319 DISNEY WALT CO COM 254687106 11 414 SH SOLE 414 DOMINION RES INC VA NEW COM 25746U109 196 5,685 SH SOLE 5,435 200 50 DOMINION RES INC VA NEW COM 25746U109 14 400 SH OTHER 400 DOW CHEM CO COM 260543103 1,617 62,039 SH SOLE 62,039 DOW CHEM CO COM 260543103 40 1,550 SH OTHER 1,200 350 DRESSER-RAND GROUP COM 261608103 10 307 SH SOLE 307 DU PONT E I DE NEMOURS & CO COM 263534109 397 12,341 SH SOLE 11,656 685 DU PONT E I DE NEMOURS & CO COM 263534109 20 620 SH OTHER 200 420 DUKE ENERGY CORP NEW COM 26441C105 762 48,385 SH SOLE 46,485 1,500 400 DUKE ENERGY CORP NEW COM 26441C105 36 2,300 SH OTHER 2,300 E M C CORP MASS COM 268648102 1,566 91,916 SH SOLE 89,866 2,050 E M C CORP MASS COM 268648102 13 745 SH OTHER 380 365 EMCOR GROUP INC COM 29084Q100 9 370 SH SOLE 370 EXELON CORP COM 30161N101 471 9,490 SH SOLE 9,165 225 100 EXELON CORP COM 30161N101 20 400 SH OTHER 400 EXXON MOBIL CORP COM 30231G102 5,767 84,053 SH SOLE 83,495 456 102 EXXON MOBIL CORP COM 30231G102 86 1,258 SH OTHER 950 308 FACTSET RESH SYS INC COM 303075105 10 154 SH SOLE 154 FIRST HORIZON NATL CORP COM 320517105 472 35,649 SH SOLE 34,555 1,093 FLOWSERVE CORP COM 34354P105 15 155 SH SOLE 155 FLUOR CORP NEW COM 343412102 1,879 36,954 SH SOLE 36,954 FLUOR CORP NEW COM 343412102 26 521 SH OTHER 291 230 FPL GROUP INC COM 302571104 1,122 20,307 SH SOLE 20,307 FPL GROUP INC COM 302571104 36 644 SH OTHER 450 194 GENERAL ELECTRIC CO COM 369604103 1,498 91,201 SH SOLE 89,268 1,325 608 GENERAL ELECTRIC CO COM 369604103 37 2,250 SH OTHER 2,250 GENERAL MLS INC COM 370334104 248 3,855 SH SOLE 3,555 200 100 GENERAL MLS INC COM 370334104 29 443 SH OTHER 425 18 GILEAD SCIENCES INC COM 375558103 551 11,864 SH SOLE 11,864 GILEAD SCIENCES INC COM 375558103 33 700 SH OTHER 300 400 GOLDMAN SACHS GROUP INC COM 38141G104 2,282 12,377 SH SOLE 12,227 150 GOLDMAN SACHS GROUP INC COM 38141G104 62 335 SH OTHER 285 50 GOODRICH CORP COM 382388106 769 14,150 SH SOLE 14,150 GOODRICH CORP COM 382388106 30 550 SH OTHER 550 HEWLETT PACKARD CO COM 428236103 341 7,218 SH SOLE 6,618 600 HOME DEPOT INC COM 437076102 1,831 68,739 SH SOLE 67,714 825 200 HOME DEPOT INC COM 437076102 24 890 SH OTHER 590 300 HONEYWELL INTL INC COM 438516106 1,827 49,174 SH SOLE 48,149 750 275 HONEYWELL INTL INC COM 438516106 44 1,175 SH OTHER 1,075 100 ILLINOIS TOOL WKS INC COM 452308109 2 50 SH SOLE 50 INTEL CORP COM 458140100 1,530 78,191 SH SOLE 74,791 2,300 1,100 INTEL CORP COM 458140100 50 2,560 SH OTHER 2,060 500 INTERNATIONAL BUSINESS MACHS COM 459200101 1,294 10,819 SH SOLE 10,619 200 INTERNATIONAL BUSINESS MACHS COM 459200101 6 50 SH OTHER 50 INTL PAPER CO COM 460146103 203 9,150 SH SOLE 8,950 200 INTL PAPER CO COM 460146103 2 100 SH OTHER 100 ISHARES INC MSCI BRAZIL 464286400 10 154 SH SOLE 154 ISHARES TR INDEX MSCI EMERG MKT 464287234 45 1,157 SH SOLE 1,157 ISHARES TR INDEX S&P500 GRW 464287309 858 15,894 SH SOLE 15,894 ISHARES TR INDEX S&P 500 VALUE 464287408 679 13,268 SH SOLE 13,268 ISHARES TR INDEX MSCI EAFE IDX 464287465 3,387 61,956 SH SOLE 61,761 195 ISHARES TR INDEX MSCI EAFE IDX 464287465 187 3,421 SH OTHER 2,171 1,250 ISHARES TR INDEX S&P MC 400 GRW 464287606 25 338 SH SOLE 338 ISHARES TR INDEX S&P MIDCP VALU 464287705 1,196 18,990 SH SOLE 18,255 575 160 ISHARES TR INDEX S&P MIDCP VALU 464287705 38 600 SH OTHER 600 ISHARES TR INDEX S&P SMLCP VALU 464287879 824 14,680 SH SOLE 14,587 25 68 ISHARES TR INDEX S&P SMLCP VALU 464287879 33 589 SH OTHER 369 100 120 ISHARES TR INDEX S&P SMLCP GROW 464287887 1,708 31,607 SH SOLE 31,327 30 250 ISHARES TR INDEX S&P SMLCP GROW 464287887 25 456 SH OTHER 256 100 100 ISHARES TR INDEX - IJS Exchange Traded Funds 464287879 399 7,101 SH SOLE 7,101 ISHARES TR INDEX - IWN RUSL 2000 VALU 464287630 268 4,743 SH SOLE 4,743 ISHARES TR INDEX - IYR DJ US REAL EST 464287739 64 1,500 SH SOLE 1,500 ITT CORPORATION NEW COM 450911102 15 296 SH SOLE 296 JOHNSON & JOHNSON COM 478160104 4,493 73,792 SH SOLE 73,242 450 100 JOHNSON & JOHNSON COM 478160104 572 9,389 SH OTHER 909 8,480 JPMORGAN CHASE & CO COM 46625H100 2,761 63,004 SH SOLE 61,879 1,025 100 JPMORGAN CHASE & CO COM 46625H100 61 1,400 SH OTHER 1,000 400 KIMBERLY CLARK CORP COM 494368103 328 5,554 SH SOLE 4,929 525 100 KRAFT FOODS INC CL A 50075N104 3 100 SH SOLE 100 L-3 COMMUNICATIONS HLDGS INC COM 502424104 823 10,250 SH SOLE 10,250 L-3 COMMUNICATIONS HLDGS INC COM 502424104 32 400 SH OTHER 300 100 LABORATORY CORP AMER HLDGS COM NEW 50540R409 921 14,014 SH SOLE 14,014 LABORATORY CORP AMER HLDGS COM NEW 50540R409 26 400 SH OTHER 200 200 LILLY ELI & CO COM 532457108 244 7,380 SH SOLE 6,830 450 100 LILLY ELI & CO COM 532457108 21 650 SH OTHER 650 LINCOLN NATL CORP IND COM 534187109 725 27,965 SH SOLE 27,815 150 LINCOLN NATL CORP IND COM 534187109 3 134 SH OTHER 134 LOCKHEED MARTIN CORP COM 539830109 985 12,620 SH SOLE 12,620 LOCKHEED MARTIN CORP COM 539830109 12 160 SH OTHER 85 75 MARATHON OIL CORP COM 565849106 12 388 SH SOLE 388 MCDONALDS CORP COM 580135101 358 6,278 SH SOLE 5,578 600 100 MCDONALDS CORP COM 580135101 23 400 SH OTHER 400 MCKESSON CORP COM 58155Q103 11 186 SH SOLE 186 MERCK & CO INC COM 589331107 488 15,424 SH SOLE 15,274 150 MERCK & CO INC COM 589331107 24 750 SH OTHER 750 MICROSOFT CORP COM 594918104 2,216 86,132 SH SOLE 84,532 1,400 200 MICROSOFT CORP COM 594918104 44 1,720 SH OTHER 1,550 170 MIDCAP SPDR TR UNIT SER 1 595635103 44 353 SH SOLE 353 MONSANTO CO NEW COM 61166W101 1,128 14,577 SH SOLE 14,577 MONSANTO CO NEW COM 61166W101 17 216 SH OTHER 68 148 MORGAN STANLEY COM NEW 617446448 1,300 42,105 SH SOLE 41,655 450 MORGAN STANLEY COM NEW 617446448 3 97 SH OTHER 97 MOTOROLA INC COM 620076109 8 900 SH SOLE 900 NATIONAL HEALTH INVS INC COM 63633D104 489 15,445 SH SOLE 14,945 500 NATIONAL HEALTHCARE CORP COM 635906100 346 9,283 SH SOLE 9,183 100 NATIONAL OILWELL VARCO INC COM 637071101 1,807 41,905 SH SOLE 41,905 NATIONAL OILWELL VARCO INC COM 637071101 28 648 SH OTHER 348 300 NIKE INC CL B 654106103 1,834 28,354 SH SOLE 27,754 500 100 NIKE INC CL B 654106103 39 609 SH OTHER 509 100 NORTHERN TR CORP COM 665859104 12 200 SH SOLE 200 NOVARTIS A G SPONSORED ADR 66987V109 12 244 SH SOLE 244 NUCOR CORP COM 670346105 9 182 SH SOLE 182 ORACLE CORP COM 68389X105 1,633 78,390 SH SOLE 77,590 800 ORACLE CORP COM 68389X105 30 1,454 SH OTHER 704 750 PEPSICO INC COM 713448108 3,301 56,279 SH SOLE 55,179 900 200 PEPSICO INC COM 713448108 281 4,783 SH OTHER 1,950 2,833 PFIZER INC COM 717081103 1,613 97,465 SH SOLE 95,465 1,450 550 PFIZER INC COM 717081103 21 1,250 SH OTHER 1,250 PHILIP MORRIS INTL INC COM 718172109 1,093 22,437 SH SOLE 22,437 PHILIP MORRIS INTL INC COM 718172109 2 34 SH OTHER 34 PIEDMONT NAT GAS INC COM 720186105 348 14,534 SH SOLE 14,534 PINNACLE FINL PARTNERS INC COM 72346Q104 4,414 347,288 SH SOLE 326,649 20,639 POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 510 23,100 SH SOLE 21,500 1,600 POWERSHARES DB CMDTY IDX TRA UNIT BEN INT 73935S105 44 2,000 SH OTHER 2,000 PRAXAIR INC COM 74005P104 4 55 SH SOLE 55 PROCTER & GAMBLE CO COM 742718109 1,875 32,362 SH SOLE 31,212 900 250 PROCTER & GAMBLE CO COM 742718109 43 750 SH OTHER 750 PROGRESS ENERGY INC COM 743263105 315 8,070 SH SOLE 7,575 350 145 PROGRESS ENERGY INC COM 743263105 12 300 SH OTHER 300 PROSHARES TR PSHS ULTSH 20YRS 74347R297 287 6,510 SH SOLE 6,510 QLOGIC CORPORATION - QLGC COM 747277101 11 658 SH SOLE 658 QUALCOMM INC COM 747525103 1,739 38,652 SH SOLE 38,652 QUALCOMM INC COM 747525103 52 1,149 SH OTHER 799 350 QUEST DIAGNOSTICS INCORPORATED - DGX COM 74834L100 9 169 SH SOLE 169 RADIOSHACK CORPORATION - RSH COM 750438103 8 484 SH SOLE 484 REGIONS FINANCIAL CORP NEW COM 7591EP100 1,585 255,212 SH SOLE 247,841 7,371 REGIONS FINANCIAL CORP NEW COM 7591EP100 20 3,282 SH OTHER 3,282 REPSOL YPF S A SPONSORED ADR 76026T205 38 1,400 SH SOLE 1,400 RESEARCH IN MOTION LTD COM 760975102 926 13,706 SH SOLE 13,706 RESEARCH IN MOTION LTD COM 760975102 18 265 SH OTHER 165 100 RIO TINTO PLC SPONSORED ADR 767204100 3 20 SH SOLE 20 SCHEIN HENRY INC COM 806407102 10 177 SH SOLE 177 SCHERING PLOUGH CORP COM 806605101 1,858 65,774 SH SOLE 65,774 SCHERING PLOUGH CORP COM 806605101 41 1,435 SH OTHER 900 535 SCHLUMBERGER LTD COM 806857108 1 24 SH SOLE 24 SEI INVESTMENTS CO COM 784117103 10 487 SH SOLE 487 SIGMA ALDRICH CORP COM 826552101 648 12,000 SH SOLE 12,000 SOUTHERN CO COM 842587107 242 7,640 SH SOLE 7,590 50 SOUTHERN COPPER CORP COM 84265V105 14 441 SH SOLE 441 SPDR SERIES TRUST DJ SML GRWTH ETF 78464A201 602 7,481 SH SOLE 7,481 SPDR SERIES TRUST DJ SML VALUE ETF 78464A300 397 7,279 SH SOLE 7,279 SPDR TR UNIT SER 1 78462F103 24 229 SH SOLE 229 SPECTRA ENERGY CORP COM 847560109 418 22,050 SH SOLE 21,960 90 SPECTRA ENERGY CORP COM 847560109 13 700 SH OTHER 700 STARWOOD HOTELS&RESORTS WRLDWD - HOT COM 85590A401 3 80 SH SOLE 80 STRYKER CORPORATION COM 863667101 4 80 SH SOLE 80 SUNTRUST BKS INC COM 867914103 368 16,333 SH SOLE 16,333 TEREX CORP NEW COM 880779103 250 12,050 SH SOLE 12,050 TEREX CORP NEW COM 880779103 6 300 SH OTHER 300 TEXAS INSTRS INC COM 882508104 10 435 SH SOLE 435 THERMO FISHER SCIENTIFIC COM 883556102 9 202 SH SOLE 202 TOTAL S A SPONSORED ADR 89151E109 233 3,929 SH SOLE 3,229 600 100 TOTAL S A SPONSORED ADR 89151E109 12 200 SH OTHER 200 TRANSOCEAN LIMITED REG SHS - RIG REG SHS H8817H100 13 150 SH SOLE 150 UNION PAC CORP COM 907818108 1,100 18,853 SH SOLE 18,853 UNION PAC CORP COM 907818108 15 250 SH OTHER 140 110 UNITED TECHNOLOGIES CORP COM 913017109 504 8,269 SH SOLE 7,594 575 100 UNITED TECHNOLOGIES CORP COM 913017109 27 450 SH OTHER 450 VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 841 10,500 SH SOLE 10,500 VANGUARD INDEX FDS STK MRK ETF 922908769 297 5,550 SH SOLE 5,550 VCA ANTECH INC COM 918194101 9 337 SH SOLE 337 VERIZON COMMUNICATIONS INC COM 92343V104 1,807 59,688 SH SOLE 57,380 1,275 1,033 VERIZON COMMUNICATIONS INC COM 92343V104 47 1,550 SH OTHER 1,050 500 WAL MART STORES INC COM 931142103 1,414 28,802 SH SOLE 28,102 300 400 WAL MART STORES INC COM 931142103 44 900 SH OTHER 900 WELLS FARGO & CO NEW COM 949746101 1,653 58,653 SH SOLE 58,153 500 WELLS FARGO & CO NEW COM 949746101 44 1,550 SH OTHER 1,250 300 WINDSTREAM CORPORATION COM 97381W104 1 103 SH SOLE 103 WYETH COM 983024100 301 6,200 SH SOLE 6,200 YUM BRANDS INC COM 988498101 5 150 SH SOLE 150