EXHIBIT 23.1


                        Consent of Independent Auditors


We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 333-00000) pertaining to the Long-Term Incentive Plan of our report
dated June 22, 2001, with respect to the consolidated financial statements of
National Commerce Financial Corporation included in its Annual Report (Form
10-K/A) for the year ended December 31, 2000, filed with the Securities and
Exchange Commission.

                                       /s/ Ernst & Young LLP

Memphis, Tennessee
July 26, 2001