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                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549

                               ----------------

                                   FORM 10-K/A

[X]ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
   ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 1999, OR

[_]TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
   EXCHANGE ACT OF 1934 [NO FEE REQUIRED] FOR THE TRANSITION PERIOD FROM  TO
    .


                        Commission File Number: 0-25160

                               ----------------

                        ALABAMA NATIONAL BANCORPORATION
            (Exact name of registrant as specified in its charter)

<TABLE>
<S>                                            <C>
                  Delaware                                       63-1114426
           (State of incorporation                            (I.R.S. Employer
              or organization)                              Identification No.)
</TABLE>

              1927 First Avenue North, Birmingham, AL 35203-4009
              (Address of principal executive offices) (Zip Code)

                                (205) 583-3600
             (Registrant's telephone number, including area code)

                               ----------------

          Securities registered pursuant to Section 12(b) of the Act:

                                     None

          Securities registered pursuant to Section 12(g) of the Act:

                         Common Stock, $1.00 par value

                               ----------------

  Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that
the registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days. [X] No [_]

  Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained, to
the best of registrant's knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any
amendment to this Form 10-K. [_]

  The aggregate market value of voting stock held by non-affiliates of the
registrant at March 10, 2000 was $137,778,894.

  As of March 10, 2000, the registrant had outstanding 11,065,890 shares of
its common stock.

            DOCUMENTS INCORPORATED BY REFERENCE IN THIS FORM 10-K:

(i) The definitive Proxy Statement for the 2000 Annual Meeting of Alabama
    National BanCorporation's Stockholders is incorporated by reference into
    Part III of this report.

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<PAGE>

ITEM 6. SELECTED FINANCIAL DATA

                  FIVE-YEAR SUMMARY OF SELECTED FINANCIAL DATA
            (Amounts in thousands, except ratios and per share data)

<TABLE>
<CAPTION>
                                         Year Ended December 31,
                          ----------------------------------------------------------
                             1999      1998(1)     1997(1)     1996(1)     1995(1)
                          ----------  ----------  ----------  ----------  ----------
<S>                       <C>         <C>         <C>         <C>         <C>
Income Statement Data:
Interest income.........  $  125,668  $  115,704  $  104,508  $   93,178  $   62,090
Interest expense........      59,283      56,555      48,379      42,174      30,079
                          ----------  ----------  ----------  ----------  ----------
Net interest income.....      66,385      59,149      56,129      51,004      32,011
Provision for loan
 losses.................       1,954       1,796       3,421       1,035       1,171
                          ----------  ----------  ----------  ----------  ----------
Net interest income
 after provision for
 loan losses............      64,431      57,353      52,708      49,969      30,840
Net securities gains
 (losses)...............         190         174          (2)        (84)         21
Noninterest income......      30,367      29,176      20,296      19,214      10,749
Noninterest expense.....      62,455      61,154      52,788      50,175      32,141
                          ----------  ----------  ----------  ----------  ----------
Income before income
 taxes..................      32,533      25,549      20,214      18,924       9,469
Provision for income
 taxes..................      10,237       8,154       6,086       5,279         951
                          ----------  ----------  ----------  ----------  ----------
Income before minority
 interest in earnings of
 consolidated subsidiary
 .......................      22,296      17,395      14,128      13,645       8,518
Minority interest in
 earnings of
 consolidated
 subsidiary.............          25          23          12          14         650
                          ----------  ----------  ----------  ----------  ----------
Net income..............  $   22,271  $   17,372  $   14,116  $   13,631  $    7,868
                          ==========  ==========  ==========  ==========  ==========

Balance Sheet Data:
Total assets............  $1,921,884  $1,672,049  $1,495,814  $1,260,635  $1,142,064
Earning assets..........   1,716,935   1,493,122   1,313,097   1,149,038   1,035,396
Securities..............     345,123     324,213     265,102     224,939     227,087
Loans held for sale.....       8,615      19,047       5,291       4,339       2,431
Loans, net of unearned
 income.................   1,320,160   1,087,027     961,079     863,968     743,530
Allowance for loan
 losses.................      18,068      16,540      14,844      12,633      11,621
Deposits................   1,442,155   1,275,175   1,125,479     988,876     945,544
Short-term debt.........      18,389      21,700      29,087      42,205      21,280
Long-term debt..........     124,005      32,328      16,587      12,939       1,089
Stockholders' equity....     138,255     130,993     116,888     105,204      88,230
Weighted Average Shares
 Outstanding--
 Diluted(2).............      11,273      11,173      10,999      10,490       6,429

Per Common Share Data:
Net income--diluted(3)..  $     1.98  $     1.55  $     1.28  $     1.30  $     1.09
Book value (period
 end)...................       12.49       11.94       11.02       10.43        9.04
Tangible book value
 (period end)...........       11.52       11.19       10.20        9.66        8.24
Dividends declared......        0.72        0.60        0.46        0.28         --

Performance Ratios:
Return on average
 assets.................        1.26%       1.10%       1.05%       1.17%       1.02%
Return on average
 equity.................       16.28       13.81       12.73       14.22       14.30
Net interest margin(4)..        4.18        4.24        4.62        4.75        4.44
Net interest margin
 (taxable
 equivalent)(4).........        4.25        4.31        4.71        4.83        4.53

Asset Quality Ratios:
Allowance for loan
 losses to period end
 loans(5)...............        1.37%       1.52%       1.54%       1.46%       1.56%
Allowance for loan
 losses to period end
 nonperforming
 loans(6)...............      394.67      340.61      281.14      377.22      296.61
Net charge-offs to
 average loans(5).......        0.04        0.01        0.13        0.00        0.05
Nonperforming assets to
 period end loans and
 foreclosed
 property(5)(6).........        0.40        0.56        0.73        0.48        0.63

Capital and Liquidity
 Ratios:
Average equity to
 average assets.........        7.77%       7.95%       8.27%       8.21%       7.11%
Leverage (4.00% required
 minimum)(7)............        7.18        7.41        7.75        8.64       10.33
Risk-based capital
 Tier 1 (4.00% required
  minimum)(7)...........        9.38       10.03        9.89       10.91       10.83
 Total (8.00% required
  minimum)(7)...........       10.62       11.28       11.14       12.16       12.08
Average loans to average
 deposits...............       88.96       83.02       85.44       84.08       78.81
</TABLE>


                                       12
<PAGE>

                                  SIGNATURES

  Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed
on its behalf by the undersigned, thereunto duly authorized, on this the 17th
day of March, 2000.

                                          ALABAMA NATIONAL BANCORPORATION

                                               /s/ John H. Holcomb, III
                                          By: _________________________________
                                                   John H. Holcomb, III,
                                                  Chief Executive Officer

  Pursuant to the requirements of the Securities Exchange Act of 1934, this
report has been signed below by the following persons on behalf of the
Registrant and in the capacities and on the dates indicated.

<TABLE>
<CAPTION>
                Name                             Title                  Date
                ----                             -----                  ----

<S>                                  <C>                           <C>
      /s/ John H. Holcomb, III       Chairman and Chief Executive  March 17, 2000
____________________________________  Officer (principal
        John H. Holcomb, III          executive officer)
</TABLE>

<TABLE>
<S>                                  <C>                           <C>
     /s/ Victor E. Nichol, Jr.       President and Chief           March 22, 2000
____________________________________  Operating Officer and
       Victor E. Nichol, Jr.          Director

     /s/ William E. Matthews, V      Executive Vice President and  March 22, 2000
____________________________________  Chief Financial Officer
       William E. Matthews, V

       /s/ Shelly S. Williams        Senior Vice President and     March 22, 2000
____________________________________  Controller (principal
         Shelly S. Williams           accounting officer)

         /s/ W. Ray Barnes           Director                      March 22, 2000
____________________________________
           W. Ray Barnes

       /s/ T. Morris Hackney         Director                      March 17, 2000
____________________________________
         T. Morris Hackney

         /s/ John D. Johns           Director                      March 22, 2000
____________________________________
           John D. Johns

      /s/ John J. McMahon, Jr.       Director                      March 22, 2000
____________________________________
        John J. McMahon, Jr.

       /s/ C. Phillip McWane         Director                      March 22, 2000
____________________________________
         C. Phillip McWane

      /s/ Drayton Nabers, Jr.        Director                      March 22, 2000
____________________________________
        Drayton Nabers, Jr.

      /s/ G. Ruffner Page, Jr.       Director                      March 22, 2000
____________________________________
        G. Ruffner Page, Jr.
</TABLE>

                                      44
<PAGE>

<TABLE>
<CAPTION>
                Name                             Title                  Date
                ----                             -----                  ----

<S>                                  <C>                           <C>
       /s/ W. Stancil Starnes        Director                      March 22, 2000
____________________________________
         W. Stancil Starnes

     /s/ William D. Montgomery       Director                      March 22, 2000
____________________________________
       William D. Montgomery

          /s/ Dan M. David           Vice Chairman and Director    March 22, 2000
____________________________________
            Dan M. David

          /s/ C. Lloyd Nix           Director                      March 22, 2000
____________________________________
            C. Lloyd Nix

       /s/ William E. Sexton         Director                      March 22, 2000
____________________________________
         William E. Sexton
</TABLE>

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