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