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, 2008 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 February 12, 2008 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: 196 Form 13F Information Table Value Total: $107,894 (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 Put/ Investment Other --------------------- Name of Issuer Title of Class Cusip Value /PRN Call Discretion Managers Sole Shared None ----------------------------- -------------------- --------- ----- ------- ---- ---------- -------- ------- ------ ------ AGL RES INC COM 1204106 655 20,900 SH SOLE 20,550 350 AGL RES INC COM 1204106 22 700 SH OTHER 700 ABBOTT LABS COM 2824100 1006 18,850 SH SOLE 16,462 2,388 ABBOTT LABS COM 2824100 48 898 SH OTHER 874 24 AIR PRODS & CHEMS INC COM 9158106 448 8,905 SH SOLE 6,952 1,953 AIR PRODS & CHEMS INC COM 9158106 19 375 SH OTHER 375 ALCOA INC COM 13817101 611 54,223 SH SOLE 48,898 5,325 ALCOA INC COM 13817101 9 765 SH OTHER 665 100 AMGEN INC COM 31162100 236 4,091 SH SOLE 2,885 1,206 AMGEN INC COM 31162100 3 44 SH OTHER 22 22 AON CORP COM 37389103 733 16,037 SH SOLE 15,700 337 AON CORP COM 37389103 48 1,050 SH OTHER 1,050 APACHE CORP COM 37411105 769 10,316 SH SOLE 8,204 2,112 APACHE CORP COM 37411105 30 400 SH OTHER 200 200 APPLE INC COM 37833100 528 6,182 SH SOLE 4,321 1,861 APPLE INC COM 37833100 5 55 SH OTHER 0 55 AUTOMATIC DATA PROCESSING IN COM 53015103 401 10,188 SH SOLE 10,038 150 AUTOMATIC DATA PROCESSING IN COM 53015103 15 383 SH OTHER 250 133 BJ SVCS CO COM 55482103 127 10,850 SH SOLE 10,350 500 BJ SVCS CO COM 55482103 4 350 SH OTHER 350 BP PLC SPONSORED ADR 55622104 369 7,899 SH SOLE 7,899 BP PLC SPONSORED ADR 55622104 14 309 SH OTHER 200 109 BANK OF AMERICA CORPORATION COM 60505104 1161 82,485 SH SOLE 71,003 11,482 BANK OF AMERICA CORPORATION COM 60505104 32 2,245 SH OTHER 1,625 620 BANK OF NEW YORK MELLON CORP COM 64058100 521 18,406 SH SOLE 14,943 3,463 BANK OF NEW YORK MELLON CORP COM 64058100 25 900 SH OTHER 900 BAXTER INTL INC COM 71813109 1057 19,719 SH SOLE 17,397 2,322 BAXTER INTL INC COM 71813109 13 240 SH OTHER 240 BECTON DICKINSON & CO COM 75887109 433 6,331 SH SOLE 5,006 1,325 BECTON DICKINSON & CO COM 75887109 15 220 SH OTHER 120 100 BRISTOL MYERS SQUIBB CO COM 110122108 707 30,398 SH SOLE 30,398 CVS CAREMARK CORPORATION COM 126650100 571 19,877 SH SOLE 19,627 250 CVS CAREMARK CORPORATION COM 126650100 69 2,400 SH OTHER 1,800 600 CELGENE CORP COM 151020104 908 16,426 SH SOLE 14,554 1,872 CHEVRON CORP NEW COM 166764100 1119 15,138 SH SOLE 12,738 2,400 CHEVRON CORP NEW COM 166764100 124 1,676 SH OTHER 1,550 126 COCA COLA CO COM 191216100 1463 32,329 SH SOLE 32,329 COLGATE PALMOLIVE CO COM 194162103 871 12,724 SH SOLE 11,105 1,619 COLGATE PALMOLIVE CO COM 194162103 83 1,208 SH OTHER 125 1,083 CORNING INC COM 219350105 452 47,483 SH SOLE 38,437 9,046 CORNING INC COM 219350105 6 583 SH OTHER 308 275 DFA INVT DIMENSIONS GROUP IN US VECTR EQTY 233203389 3290 476,748 SH SOLE 457,927 18,821 1DFA INVT DIMENSIONS GROUP IN US CORE EQ 2PT 233203397 2003 278,177 SH SOLE 267,205 10,972 DFA INVT DIMENSIONS GROUP IN FIVE YR GOVT 233203405 164 15,009 SH SOLE 14,563 446 DFA INVT DIMENSIONS GROUP IN US MICRO CAP 233203504 255 30,740 SH SOLE 30,740 DFA INVT DIMENSIONS GROUP IN EMRG MKTS VAL 233203587 400 23,584 SH SOLE 22,896 688 DFA INVT DIMENSIONS GROUP IN 1YR FXD INCOME 233203603 157 15,279 SH SOLE 14,801 477 DFA INVT DIMENSIONS GROUP IN EMER MKT SMCAP 233203611 471 47,721 SH SOLE 45,821 1,899 DFA INVT DIMENSIONS GROUP IN INTL SML PTFL 233203629 789 76,973 SH SOLE 74,453 2,520 DFA INVT DIMENSIONS GROUP IN TWO YR GLOBAL 233203645 152 14,896 SH SOLE 14,428 467 DFA INVT DIMENSIONS GROUP IN INTL SMCAP VAL 233203736 986 89,428 SH SOLE 87,028 2,399 DFA INVT DIMENSIONS GROUP IN EMERGING MKTS 233203785 462 28,281 SH SOLE 27,418 862 DFA INVT DIMENSIONS GROUP IN US SML CAP VAL 233203819 679 45,958 SH SOLE 45,958 DFA INVT DIMENSIONS GROUP IN LARGE CAP HIGH 233203827 2555 190,495 SH SOLE 182,972 7,522 DFA INVT DIMENSIONS GROUP IN REAL ESTATE PT 233203835 1179 84,000 SH SOLE 80,654 3,345 DFA INVT DIMENSIONS GROUP IN LARGE CAP INTL 233203868 187 12,653 SH SOLE 12,653 DFA INVT DIMENSIONS GROUP IN GLOBAL FIX INCM 233203884 157 14,333 SH SOLE 13,885 447 DISNEY WALT CO COM DISNEY 254687106 198 8,745 SH SOLE 7,825 920 DISNEY WALT CO COM DISNEY 254687106 20 900 SH OTHER 900 DOW CHEM CO COM 260543103 565 37,495 SH SOLE 33,140 4,355 DOW CHEM CO COM 260543103 7 450 SH OTHER 300 150 DU PONT E I DE NEMOURS & CO COM 263534109 368 14,561 SH SOLE 14,561 DU PONT E I DE NEMOURS & CO COM 263534109 16 620 SH OTHER 200 420 E M C CORP MASS COM 268648102 988 94,403 SH SOLE 78,412 15,991 E M C CORP MASS COM 268648102 29 2,745 SH OTHER 2,380 365 EATON CORP COM 278058102 255 5,121 SH SOLE 5,121 EATON CORP COM 278058102 20 400 SH OTHER 400 EMERSON ELEC CO COM 291011104 189 5,175 SH SOLE 5,175 EMERSON ELEC CO COM 291011104 11 300 SH OTHER 300 FPL GROUP INC COM 302571104 962 19,118 SH SOLE 17,212 1,906 FPL GROUP INC COM 302571104 32 644 SH OTHER 450 194 FIRST HORIZON NATL CORP COM 320517105 284 26,829 SH SOLE 25,798 1,030 FLUOR CORP NEW COM 343412102 974 21,739 SH SOLE 18,853 2,886 FLUOR CORP NEW COM 343412102 8 177 SH OTHER 77 100 GENERAL ELECTRIC CO COM 369604103 1236 76,286 SH SOLE 75,786 500 GENERAL ELECTRIC CO COM 369604103 36 2,250 SH OTHER 2,250 GENERAL MLS INC COM 370334104 855 14,074 SH SOLE 12,563 1,511 GENERAL MLS INC COM 370334104 15 243 SH OTHER 189 54 GILEAD SCIENCES INC COM 375558103 1391 27,207 SH SOLE 24,208 2,999 GILEAD SCIENCES INC COM 375558103 48 940 SH OTHER 540 400 GOODRICH CORP COM 382388106 705 19,050 SH SOLE 19,050 GOODRICH CORP COM 382388106 26 700 SH OTHER 700 HOME DEPOT INC COM 437076102 1343 58,362 SH SOLE 53,025 5,337 HOME DEPOT INC COM 437076102 19 807 SH OTHER 507 300 HONEYWELL INTL INC COM 438516106 420 12,785 SH SOLE 12,635 150 HONEYWELL INTL INC COM 438516106 15 450 SH OTHER 450 1INTEL CORP COM 458140100 282 19,228 SH OTHER 18,728 500 INTEL CORP COM 458140100 632 43,138 SH SOLE 36,213 6,925 INTERNATIONAL BUSINESS MACHS COM 459200101 764 9,074 SH SOLE 9,074 INTERNATIONAL BUSINESS MACHS COM 459200101 4 50 SH OTHER 0 50 INTL PAPER CO COM 460146103 146 12,350 SH SOLE 12,150 200 INTL PAPER CO COM 460146103 1 100 SH OTHER 100 ISHARES TR S&P500 GRW 464287309 798 17,761 SH SOLE 17,461 300 ISHARES TR S&P 500 VALUE 464287408 1113 24,660 SH SOLE 18,275 6,385 ISHARES TR MSCI EAFE IDX 464287465 3292 73,398 SH SOLE 69,079 4,319 ISHARES TR MSCI EAFE IDX 464287465 207 4,621 SH OTHER 3,371 1,250 ISHARES TR RUSSELL1000GRW 464287614 337 9,095 SH SOLE 9,095 ISHARES TR RUSSELL1000GRW 464287614 19 500 SH OTHER 500 ISHARES TR RUSL 2000 VALU - IWN 464287630 449 9,643 SH SOLE 9,643 ISHARES TR S&P MIDCP VALU 464287705 1080 21,485 SH SOLE 21,325 160 ISHARES TR S&P MIDCP VALU 464287705 30 600 SH OTHER 0 600 ISHARES TR S&P SMLCP VALU 464287879 1286 26,446 SH SOLE 21,568 25 4,853 ISHARES TR S&P SMLCP VALU 464287879 43 883 SH OTHER 663 100 120 ISHARES TR S&P SMLCP GROW 464287887 1883 42,269 SH SOLE 33,817 30 8,422 ISHARES TR S&P SMLCP GROW 464287887 35 792 SH OTHER 592 100 100 JOHNSON & JOHNSON COM 478160104 4370 73,047 SH SOLE 68,706 4,341 JOHNSON & JOHNSON COM 478160104 565 9,439 SH OTHER 959 8,480 L-3 COMMUNICATIONS HLDGS INC COM 502424104 1022 13,850 SH SOLE 13,850 L-3 COMMUNICATIONS HLDGS INC COM 502424104 59 800 SH OTHER 600 200 LINCOLN NATL CORP IND COM 534187109 579 30,742 SH SOLE 30,592 150 LINCOLN NATL CORP IND COM 534187109 6 313 SH OTHER 313 LOCKHEED MARTIN CORP COM 539830109 899 10,688 SH SOLE 9,193 1,495 LOCKHEED MARTIN CORP COM 539830109 3 35 SH OTHER 35 MANITOWOC INC COM 563571108 296 34,177 SH SOLE 34,177 MERCK & CO INC COM 589331107 282 9,313 SH SOLE 9,313 MICROSOFT CORP COM 594918104 1426 73,386 SH SOLE 65,438 7,948 MICROSOFT CORP COM 594918104 30 1,520 SH OTHER 1,350 170 NATIONAL HEALTHCARE CORP COM 635906100 478 9,448 SH SOLE 9,348 100 NATIONAL HEALTHCARE CORP PFD CONV SER A 635906209 280 21,114 SH SOLE 21,114 NATIONAL HEALTHCARE CORP PFD CONV SER A 635906209 7 500 SH OTHER 500 NATIONAL OILWELL VARCO INC COM 637071101 363 14,869 SH SOLE 13,359 1,510 NIKE INC CL B 654106103 1082 21,220 SH SOLE 18,609 2,611 NIKE INC CL B 654106103 9 170 SH OTHER 70 100 NORFOLK SOUTHERN CORP COM 655844108 202 4,292 SH SOLE 4,292 NORFOLK SOUTHERN CORP COM 655844108 33 700 SH OTHER 700 PEPSICO INC COM 713448108 2947 53,802 SH SOLE 49,662 4,140 PEPSICO INC COM 713448108 276 5,033 SH OTHER 2,200 2,833 PFIZER INC COM 717081103 1400 79,043 SH SOLE 78,743 300 PHILIP MORRIS INTL INC COM 718172109 937 21,550 SH SOLE 18,651 2,899 PHILIP MORRIS INTL INC COM 718172109 1 34 SH OTHER 34 PIEDMONT NAT GAS INC COM 720186105 460 14,534 SH SOLE 14,534 PROCTER & GAMBLE CO COM 742718109 3854 62,346 SH SOLE 58,409 3,937 PROCTER & GAMBLE CO COM 742718109 99 1,600 SH OTHER 1,350 250 QUALCOMM INC COM 747525103 1058 29,549 SH SOLE 26,728 2,821 QUALCOMM INC COM 747525103 34 950 SH OTHER 700 250 SPDR TR UNIT SER 1 - SPY UNIT SER 1 78462F103 697 8,124 SH OTHER 8,124 SCHERING PLOUGH CORP COM 806605101 1188 69,762 SH SOLE 63,226 6,536 SCHERING PLOUGH CORP COM 806605101 24 1,435 SH OTHER 900 535 SIGMA ALDRICH CORP COM 826552101 507 12,000 SH SOLE 12,000 SOUTHERN CO COM 842587107 231 6,251 SH SOLE 5,051 1,200 SPECTRA ENERGY CORP COM 847560109 256 16,260 SH SOLE 16,260 SPECTRA ENERGY CORP COM 847560109 9 575 SH OTHER 575 SUNTRUST BKS INC COM 867914103 1181 40,011 SH SOLE 36,771 3,240 SUNTRUST BKS INC COM 867914103 3 100 SH OTHER 100 SYSCO CORP COM 871829107 190 8,290 SH SOLE 8,290 SYSCO CORP COM 871829107 23 1,000 SH OTHER 1,000 UST COMMON COMMON COM 902911106 470 6,770 SH SOLE 6,770 US BANCORP DEL COM NEW 902973304 910 36,373 SH SOLE 32,182 4,191 US BANCORP DEL COM NEW 902973304 13 500 SH OTHER 250 250 UNION PAC CORP COM 907818108 809 16,938 SH SOLE 14,766 2,172 UNION PAC CORP COM 907818108 10 200 SH OTHER 90 110 UNITED TECHNOLOGIES CORP COM 913017109 215 4,005 SH SOLE 4,005 UNITED TECHNOLOGIES CORP COM 913017109 24 450 SH OTHER 450 WAL MART STORES INC COM 931142103 1102 19,658 SH SOLE 17,077 2,581 WAL MART STORES INC COM 931142103 50 900 SH OTHER 900 WELLS FARGO & CO NEW COM 949746101 887 30,122 SH SOLE 27,834 2,288 WELLS FARGO & CO NEW COM 949746101 53 1,800 SH OTHER 1,500 300 WYETH COM 983024100 260 6,928 SH SOLE 6,928 AT&T INC COM 00206R102 1471 51,630 SH SOLE 47,410 4,220 AT&T INC COM 00206R102 52 1,816 SH OTHER 1,516 300 BLDRS INDEX FDS TR DEV MK 100 ADR 09348R201 287 16,578 SH SOLE 9,338 7,240 CONOCOPHILLIPS COM 20825C104 794 15,334 SH SOLE 13,310 2,024 CONOCOPHILLIPS COM 20825C104 28 544 SH OTHER 544 COSTCO WHSL CORP NEW COM 22160K105 896 17,063 SH SOLE 13,038 4,025 COSTCO WHSL CORP NEW COM 22160K105 21 400 SH OTHER 200 200 DIMENSIONAL INVT GROUP INC INTL VALUE PTF 25434D203 1293 102,952 SH SOLE 98,877 4,074 DIMENSIONAL INVT GROUP INC DFA INTL III 25434D708 477 40,601 SH SOLE 40,601 DIMENSIONAL INVT GROUP INC DFA US LG III 25434D807 438 42,709 SH SOLE 42,709 DOMINION RES INC VA NEW COM 25746U109 221 6,175 SH SOLE 6,175 DOMINION RES INC VA NEW COM 25746U109 14 400 SH OTHER 400 DUKE ENERGY CORP NEW COM 26441C105 350 23,330 SH SOLE 23,330 DUKE ENERGY CORP NEW COM 26441C105 29 1,900 SH OTHER 1,900 EXELON CORP COM 30161N101 347 6,234 SH SOLE 6,209 25 EXELON CORP COM 30161N101 22 400 SH OTHER 400 EXXON MOBIL CORP COM 30231G102 6308 79,020 SH SOLE 74,398 4,622 EXXON MOBIL CORP COM 30231G102 100 1,258 SH OTHER 950 308 GOLDMAN SACHS GROUP INC COM 38141G104 704 8,348 SH SOLE 7,238 1,110 GOLDMAN SACHS GROUP INC COM 38141G104 28 335 SH OTHER 285 50 JPMORGAN & CHASE & CO COM 46625H100 1260 39,948 SH SOLE 32,916 7,032 JPMORGAN & CHASE & CO COM 46625H100 44 1,400 SH OTHER 1,000 400 LABORATORY CORP AMER HLDGS COM NEW 50540R409 575 8,926 SH SOLE 7,757 1,169 LABORATORY CORP AMER HLDGS COM NEW 50540R409 26 400 SH OTHER 200 200 MONSANTO CO NEW COM 61166W101 785 11,154 SH SOLE 8,925 2,229 MONSANTO CO NEW COM 61166W101 15 216 SH OTHER 68 148 NATIONAL HEALTH INVS INC COM 63633D104 433 15,770 SH SOLE 15,270 500 ORACLE CORP COM 68389X105 683 38,540 SH SOLE 31,780 6,760 ORACLE CORP COM 68389X105 41 2,300 SH OTHER 1,800 500 REGIONS FINANCIAL CORP NEW COM 7591EP100 1897 238,298 SH SOLE 238,298 REGIONS FINANCIAL CORP NEW COM 7591EP100 26 3,282 SH OTHER 0 3,282 SPDR SERIES TRUST DJWS SCAP GR 78464A201 444 7,738 SH SOLE 4,409 3,329 1SPDR SERIES TRUST DJWS SMCAP VL 78464A300 518 12,215 SH SOLE 5,110 7,105 SIRIUS XM RADIO INC COM 82967N108 2 20,000 SH SOLE 20,000 3M CO COM 88579Y101 489 8,497 SH SOLE 8,497 3M CO COM 88579Y101 35 600 SH OTHER 600 VERIZON COMMUNICATIONS INC COM 92343V104 1462 43,126 SH SOLE 36,646 6,480 VERIZON COMMUNICATIONS INC COM 92343V104 58 1,700 SH OTHER 1,200 500