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Exhibit 10.3

                              CONSULTING AGREEMENT

     THIS AGREEMENT is entered into as of this 30th day of September, 2005, by
and among PINNACLE NATIONAL BANK, a national bank (the "Bank"), and RONALD F.
KNIGHT, a resident of the State of Tennessee (the "Consultant"), and is
effective as of the date of the merger between Pinnacle Financial Partners, Inc.
and Cavalry Bancorp, Inc.

                                   WITNESSETH:

     WHEREAS, the Consultant has the capability of providing consulting advice
and services to the Bank and the Bank wishes to retain the services of the
Consultant; and

     WHEREAS, the Consultant wishes to perform such services.

     NOW, THEREFORE, in consideration of the stated premises and the mutual
terms and conditions herein stated, the parties agree as follows:

     1. SERVICES. The Bank agrees to retain the services of the Consultant, as
an independent contractor, to provide consultation and advice to the Bank, but
the Consultant shall have no authority, responsibility, or liability regarding
the policies, management, or operations of the Bank. The Consultant agrees to
perform such services to the satisfaction of the Bank. The Consultant will
devote sufficient time and energy towards the performance of the duties and
responsibilities assigned to him and agrees to refrain from engaging directly or
indirectly in any activity or business transaction for himself or any other
person, corporation or affiliate, whether or not for remuneration, direct or
indirect, contingent or otherwise, which in any way competes with any operation
of the Bank or which may result in a conflict of interest or otherwise adversely
affect the proper discharge of his duties with and responsibilities to the Bank.
The Bank shall have no control over the details and means by which the services
shall be rendered.

     2. COMPENSATION. The Bank shall pay the Consultant a lump-sum payment of
$125,000 on the date this Agreement is effective.

     3. AGENCY. The Consultant is an independent contractor and is not in any
sense a legal or implied agent, employee or officer of the Bank and has no
authority whatsoever to bind the Bank. No acts or assistance given by the Bank
shall be construed to alter this relationship. The Consultant shall pay any and
all federal, state and local taxes, fines and assessments arising out of the
operation of the Consultant's business. As a result, the Bank is not obligated
to and will not withhold any federal income or social security, or any other tax
from payments due to the Consultant nor will it pay such taxes on behalf of the
Consultant. The Bank shall reimburse the Consultant for all ordinary business
expenses and payment for such expenses shall be made no later than thirty (30)
days after the Consultant provides a bill to the Bank for any such expenses.

     4. COMPETITION DURING AND AFTER TERM. Consultant agrees that during the
term hereof, and for a period of one (1) year after the expiration of the term,
he will


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not, either separately, jointly, or in association with others, directly or
indirectly, as an agent, employee, owner, partner, stockholder, or otherwise,
allow his name to be used by, or establish, engage in, or become interested in
any business, trade or occupation similar to the business being conducted by,
and selling similar products and/or services as the Bank (i.e. commercial
banking), in any county in any of the States of the United States in which the
Bank's business is presently being conducted, or is being conducted during the
term of this Agreement or during this noncompete period, as long as the Bank, or
any person, firm, or corporation deriving title to the goodwill of, or shares
from it, carries on a like business therein. The Bank and the Consultant
acknowledge that during the term of this Agreement, the Consultant will acquire
special knowledge and/or skill that he can effectively utilize in competition
with Bank.

     The Consultant agrees that the remedy at law for any breach by him of the
covenants contained herein will be inadequate, and that in the event of a
violation of the covenants contained herein, in addition to any and all legal
and equitable remedies which may be available, the said covenants may be
enforced by an injunction in a suit in equity, without the necessity of proving
actual damage, and that a temporary injunction may be granted immediately upon
the commencement of any such suit, and without notice. The parties hereto intend
that the covenants contained in this Section shall be deemed to be a series of
separate covenants, one for each county of each state where the Bank does
business. If, in any judicial proceeding, a court shall refuse to enforce any or
all of the separate covenants deemed included in such action, then such
unenforceable covenants shall be deemed eliminated from the provisions hereof
for the purposes of such proceeding to the extent necessary to permit the
remaining separate covenants to be enforced in such proceeding. Furthermore, if
in any judicial proceeding a court shall refuse to enforce any covenant by
reason of the duration or extent thereof, such covenant shall be construed to
have only the maximum duration or extent permitted by law.

     5. TERM. This Agreement shall be in effect for a term of one (1) year from
the date of the merger between the Pinnacle Financial Partners, Inc. and Cavalry
Bancorp, Inc.

     6. INDEMNIFICATION. The Consultant shall indemnify the Bank and hold the
Bank harmless from any claims, demands, liabilities, actions, suits or
proceedings asserted or claimed by third parties and arising out of the
performance of the Consultant's duties hereunder.

     7. THE CONSULTANT'S AGREEMENTS. The Consultant agrees: (a) to faithfully
fully and completely perform his responsibilities outlined by the Bank; and (b)
to make no unauthorized promises, representations or commitments.

     8. ASSIGNMENT AND AMENDMENT. This Agreement may not be assigned by the
Consultant without the prior consent in writing of the Bank, which consent the
Bank may give or not give in its absolute discretion. No amendment or
modification of this Agreement shall be valid or binding unless set forth in
writing and duly executed by each of the parties hereto.

     9. CONTRACT TO FURNISH EQUIPMENT. The Bank will provide an office at its
worksite for the Consultant's use and appropriate office furnishings and
equipment. The Consultant shall furnish all other necessary equipment and
materials required in performing the said services, except as otherwise provided
herein.


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     10. OTHER AGREEMENTS TERMINATED. This Agreement cancels and terminates as
of its effective date all prior agreements between the parties hereto covering
services covered hereby whether written or oral or partly written and partly
oral; provided, however, that no provision of this Agreement shall serve to
terminate or in any way diminish any rights, privileges or benefits to which
Consultant may be entitled under any previous agreement.

     11. TRADE SECRETS AND PROCESSES. The Bank has maintained and continues to
maintain and use commercially valuable trade secrets and processes and
proprietary information which is vital to the success of the Bank's business,
including, by way of illustration and without limitation, the names and
addresses of the customers of the Bank and the marketing needs, habits and
strategies of potential customers. The Consultant recognizes and acknowledges
that the list of the Bank's customers, as they may exist from time to time, and
the Bank's trade secrets and trade processes, are valuable, special and unique
assets of the Bank's business. Consultant will not, during or after the term of
this Agreement, disclose to any person, firm, corporation, association, or other
entity, or use for his own benefit, any list of the Bank's customers, or any
part thereof, or any of the Bank's trade secrets or trade processes, for any
reason or purpose whatsoever. In the event of a breach or threatened breach by
Consultant of the provisions of the Section, the Bank shall be entitled to an
injunction restraining Consultant from using, for his own benefit, or from
disclosing, in whole or in part, the list of the Bank's customers, or the Bank's
trade secrets or trade processes, or from rendering any services to any person,
firm, corporation, association or other entity to whom such a list, or such
trade secrets or trade processes, in whole or in part, have been disclosed, or
are threatened to be disclosed. Nothing herein shall be construed as prohibiting
the Bank from pursuing any other remedies available to the Bank for such breach
or threatened breach, including the recovery of damages from the Consultant. The
provisions of this Section shall survive the expiration or termination, for any
reason, of this Agreement.

     12. INTELLECTUAL PROPERTY. All right, title and interest of every kind and
nature whatsoever in and to any intellectual property, including any inventions,
patents, trademarks, copyrights, ideas, creations, and properties furnished to
the Bank during the term, and/or used in connection with any of the Bank's
activities, or written or created by the Consultant, or with which the
Consultant is connected in the performance of his services hereunder, shall as
between the parties hereto be, become, and remain the sole and exclusive
property of the Bank for any and all purposes and uses whatsoever, regardless of
whether the same were invented, created, written, developed, furnished,
produced, or disclosed by the Consultant or any other party, and the Consultant
shall have no right, title or interest of any kind or nature therein or thereto,
or in and to any results and proceeds therefrom. The Consultant agrees, during
and after the term hereof, to execute any and all documents and agreements which
the Bank may deem necessary and appropriate to effectuate the provisions of this
Section. The provisions of this Section shall survive the expiration or
termination, for any reason, of this Agreement.


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     13. PRIVACY COMPLIANCE.

          (a) Definitions. As used in this Agreement:

"Customer Information" means nonpublic personal information about any individual
(or that individual's legal representative) who obtains or seeks to obtain a
financial product or service from you when (1) the financial product or service
is to be used primarily for personal, family or household purposes and (2) the
information about the information is protected by Privacy Laws.

               (i) "Privacy Laws" refers collectively to the various federal and
          state laws and regulations governing the privacy of Customer
          Information, as the same may be amended from time to time. The Privacy
          Laws include, but are not limited to, Title V of the
          Gramm-Leach-Bliley Act of 1999 (Public Law 106-102, 113 Stat. 1338)
          and its implementing regulations, and any applicable implementing
          guidelines.

          (b) Confidentiality Obligations. Except as provided in (c) below,
     Consultant will:

               (i) Limit access to Customer Information to the Bank's partners,
          officers, directors, employees, and agents who have a need to know to
          carry out the purposes for which the information was disclosed or made
          available and who have an obligation to maintain the confidentiality
          of the information;

               (ii) Safeguard and maintain the confidentiality of Customer
          Information and not directly or indirectly disclose the same to any
          other person or entity in violation of or in any manner inconsistent
          with applicable Privacy Laws or any other standards that govern the
          Bank and also immediately notify the Bank of any such direct or
          indirect disclosure; and

               (iii) Not use Customer Information in violation of or in any
          manner inconsistent with applicable Privacy Laws or any other
          standards that govern the Bank.

          (c) Exceptions. Provided the disclosure of Customer Information is
     permitted under any other standards that govern the Bank, the Consultant
     will not be in violation of this Agreement for disclosing Customer
     Information when:

               (i) The Consultant discloses the information with the Bank's
          consent or pursuant to (1) a subpoena or court order, (2) a federal or
          state law or regulation, or (3) the rules or regulations of a
          governmental agency; or

               (ii) The disclosure is (1) reasonably necessary and appropriate
          to carry out the purposes for which the Customer Information was
          provided or made available to the Consultant, (2) made in the ordinary
          course of business and, (3) required or permitted under applicable
          Privacy Laws.


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          (d) Security Measures. The Consultant has implemented or will
     implement appropriate measures designed to ensure the security and
     confidentiality of Customer Information, protect against any anticipated
     threats or hazards to the security or integrity of Customer Information,
     and protect against unauthorized access to or use of Customer Information
     that could result in substantial harm or inconvenience to any of Bank's
     customers. Where indicated by the Bank's risk assessment, the Bank may
     monitor the Consultant to confirm that the Consultant has satisfied the
     Consultant's obligations under this Agreement.

          (e) Remedies. The Consultant acknowledges that the Bank has the right
     to take all reasonable steps to protect the Bank's Customer Information,
     including, but not limited to, seeking injunctive relief and any other
     remedies that may be available at law or in equity, all of which remedies
     shall be cumulative and in addition to any rights and remedies available by
     contract, law, rule, regulation, or order.

          (f) Applicability. Unless the Bank and the Consultant agree in a
     writing expressly referencing this Agreement that this Agreement is no
     longer applicable, the Consultant agrees to be bound by this
     Confidentiality Agreement as to all relationships we have with Bank,
     notwithstanding language in existing or future agreements stating that such
     agreements reflect the entire agreement or supersede prior agreements. This
     Agreement amends and supplements each existing agreement and all future
     agreements between the Bank and the Consultant, including, but not limited
     to, any separate confidentiality agreements between the Bank and the
     Consultant. If any provision of this Agreement conflicts with any other
     existing or future agreement that the Consultant has with the Bank, the
     provisions of this Agreement shall control unless the other agreement
     specifically references this Agreement and provides otherwise.

     14. INVALIDITY. If any provision of this Agreement is found to be invalid
or unenforceable, the parties agree that the remaining provisions shall remain
in effect.

     15. CONSTRUCTION. This Agreement shall be construed and enforced in
accordance with the laws of the State of Tennessee.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
first shown above and with the intention to be fully bound hereby.

                                        THE BANK:
                                        PINNACLE NATIONAL BANK


                                        By:
                                            ------------------------------------
                                        Title:
                                               ---------------------------------


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                                        THE CONSULTANT:


                                        ----------------------------------------
                                        RONALD F. KNIGHT


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