-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 GyhBIzOo3BT3yNHTmPQhJFMCTF+M6hdYogLlsZDMgfyArfWD8au/oZxkL5MAJekO
 zY5FJyIJoYyI2oYCtQD+0A==

<SEC-DOCUMENT>0001068738-03-000005.txt : 20031029
<SEC-HEADER>0001068738-03-000005.hdr.sgml : 20031029
<ACCEPTANCE-DATETIME>20031029161028
ACCESSION NUMBER:		0001068738-03-000005
CONFORMED SUBMISSION TYPE:	4/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031028
FILED AS OF DATE:		20031029

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NATIONAL COMMERCE FINANCIAL CORP
		CENTRAL INDEX KEY:			0000101844
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				620784645
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		ONE COMMERCE SQ
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38150
		BUSINESS PHONE:		9014156416

	MAIL ADDRESS:	
		STREET 1:		ONE COMMERCE SQ
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38150

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NATIONAL COMMERCE BANCORPORATION
		DATE OF NAME CHANGE:	19950822

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED TENNESSEE BANCSHARES CORP
		DATE OF NAME CHANGE:	19780820

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED TENNESSEE BANSHARES CORP
		DATE OF NAME CHANGE:	19780525

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			JOYNER C DAN
		CENTRAL INDEX KEY:			0001068738
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-16607
		FILM NUMBER:		03963864

	BUSINESS ADDRESS:	
		STREET 1:		ONE COMMERCE SQUARE
		STREET 2:		EXECUTIVE - 4TH FLOOR
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38150
		BUSINESS PHONE:		8642426650

	MAIL ADDRESS:	
		STREET 1:		ONE COMMERCE SQUARE
		STREET 2:		EXECUTIVE - 4TH FLOOR
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38150
</SEC-HEADER>
<DOCUMENT>
<TYPE>4/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>

<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4/A</documentType>

    <periodOfReport>2003-10-28</periodOfReport>

    <dateOfOriginalSubmission>2003-10-29</dateOfOriginalSubmission>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000101844</issuerCik>
        <issuerName>NATIONAL COMMERCE FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>NCF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001068738</rptOwnerCik>
            <rptOwnerName>JOYNER C DAN</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>ONE COMMERCE SQUARE</rptOwnerStreet1>
            <rptOwnerStreet2>EXECUTIVE - 4TH FLOOR</rptOwnerStreet2>
            <rptOwnerCity>MEMPHIS</rptOwnerCity>
            <rptOwnerState>TN</rptOwnerState>
            <rptOwnerZipCode>38150</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>

        <derivativeTransaction>
            <securityTitle>
                <value>Non-Qualified Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>27.16</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2003-10-28</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>760</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>27.16</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2003-10-28</value>
            </exerciseDate>
            <expirationDate>
                <value>2005-04-26</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>760</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>760</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>

        <derivativeTransaction>
            <securityTitle>
                <value>Non-Qualified Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>27.16</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2003-10-28</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>857</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>27.16</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2003-10-28</value>
            </exerciseDate>
            <expirationDate>
                <value>2006-04-24</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>857</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>857</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>

        <derivativeTransaction>
            <securityTitle>
                <value>Non-Qualified Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>27.16</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2003-10-28</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>1547</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>27.16</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2003-10-28</value>
            </exerciseDate>
            <expirationDate>
                <value>2007-04-26</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1547</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1547</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>

    </derivativeTable>



    <ownerSignature>
        <signatureName>Naudain L Machen attorney-in-fact</signatureName>
        <signatureDate>2003-10-29</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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