-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 NrZCe3cEYn+MDPFrnT9XpjSW9XnwkshFmpBf8xd8x21aE5Mq8/E86M/uKBUBOGTk
 ATTYRjXhQexshko4lPa6iA==

<SEC-DOCUMENT>0001189588-04-000006.txt : 20040317
<SEC-HEADER>0001189588-04-000006.hdr.sgml : 20040317
<ACCEPTANCE-DATETIME>20040317114505
ACCESSION NUMBER:		0001189588-04-000006
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040315
FILED AS OF DATE:		20040317

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GARROTT THOMAS M
		CENTRAL INDEX KEY:			0001189588

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-16607
		FILM NUMBER:		04674625

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

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
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgardoc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-03-15</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001189588</rptOwnerCik>
            <rptOwnerName>GARROTT THOMAS M</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>ONE COMMERCE SQUARE</rptOwnerStreet1>
            <rptOwnerStreet2></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>Phantom Stock Units</value>
                <footnoteId id="F1"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>0</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-03-15</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>I</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>63</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>28.26</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>1988-08-08</value>
                <footnoteId id="F2"/>
            </exerciseDate>
            <expirationDate>
                <value>1988-08-08</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>63</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>99947</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Pursuant to the Issuer's Equity Investment Plan. One-for-one conversion to common stock of Issuer.</footnote>
        <footnote id="F2">Pursuant to Issuer's Equity Investment Plan. Exercisable immediately; payable upon the Reporting Person's termination of employment with Issuer.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>By: Naudain L. Machen  For: Thomas M. Garrott III</signatureName>
        <signatureDate>2004-03-17</signatureDate>
    </ownerSignature>
</ownershipDocument>

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