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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0001209191-04-044833.txt : 20040917
<SEC-HEADER>0001209191-04-044833.hdr.sgml : 20040917
<ACCEPTANCE-DATETIME>20040917113510
ACCESSION NUMBER:		0001209191-04-044833
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040908
FILED AS OF DATE:		20040917
DATE AS OF CHANGE:		20040917

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			INTERCEPT INC
		CENTRAL INDEX KEY:			0001054930
		STANDARD INDUSTRIAL CLASSIFICATION:	FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC [6099]
		IRS NUMBER:				582237359
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		3150 HOLCOMB BRIDGE ROAD SUITE 200
		CITY:			NORCROSS
		STATE:			GA
		ZIP:			30071
		BUSINESS PHONE:		7702489600

	MAIL ADDRESS:	
		STREET 1:		3150 HOLCOMB BRIDGE ROAD SUITE 200
		CITY:			NORCROSS
		STATE:			GA
		ZIP:			30071

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTERCEPT GROUP INC
		DATE OF NAME CHANGE:	19980209

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			FIDELITY NATIONAL FINANCIAL INC /DE/
		CENTRAL INDEX KEY:			0000809398
		STANDARD INDUSTRIAL CLASSIFICATION:	TITLE INSURANCE [6361]
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14213
		FILM NUMBER:		041035169

	BUSINESS ADDRESS:	
		STREET 1:		601 RIVERSIDE AVENUE
		STREET 2:		,
		CITY:			JACKSONVILLE
		STATE:			FL
		ZIP:			32204
		BUSINESS PHONE:		904-854-8100

	MAIL ADDRESS:	
		STREET 1:		601 RIVERSIDE AVENUE
		STREET 2:		,
		CITY:			JACKSONVILLE
		STATE:			FL
		ZIP:			32204
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>doc3.xml
<DESCRIPTION>FORM 3 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-09-08</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001054930</issuerCik>
        <issuerName>INTERCEPT INC</issuerName>
        <issuerTradingSymbol>ICPT</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0000809398</rptOwnerCik>
            <rptOwnerName>FIDELITY NATIONAL FINANCIAL INC /DE/</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>601 RIVERSIDE AVENUE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>JACKSONVILLE</rptOwnerCity>
            <rptOwnerState>FL</rptOwnerState>
            <rptOwnerZipCode>32204</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock, no par value</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                    <footnoteId id="F1"/>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Preferred Stock, no par value</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                    <footnoteId id="F1"/>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Fidelity National Financial, Inc. (&quot;FNF&quot;), a Delaware corporation, is party to a shareholder agreement with each of certain shareholders (collectively, the &quot;Shareholders&quot;) of InterCept, Inc., a Georgia corporation (&quot;InterCept&quot;), dated as of September 8, 2004 (collectively, the &quot;Shareholder Agreements&quot;).  Pursuant to the Shareholder Agreements, FNF may be deemed to have shared voting power with respect to 4,654,619 shares of common stock, no par value per share, of InterCept (which shares constitute approximately 21.5% of the issued and outstanding shares of common stock of InterCept based on the number of shares of common stock represented by InterCept as outstanding on September 8, 2004 and assuming the conversion of 100,000 shares of InterCept preferred stock that are subject to the Shareholder Agreements into shares of InterCept common stock).  (Footnote 1 continued in &quot;Remarks&quot; section, below)</footnote>
    </footnotes>

    <remarks>In addition, FNF may be deemed to have shared voting power with respect to any additional shares of capital stock of InterCept acquired by the Shareholders after the date of the Shareholder Agreements and during the term of the Shareholder Agreements.  As of the date of the Shareholder Agreements, the Shareholders owned options and warrants to acquire 1,664,037 shares of common stock of InterCept.  Such options and warrants, if fully exercised, would increase the Shareholders' voting interest in InterCept to 27.1%, assuming that all shares of preferred stock subject to Shareholder Agreements were converted to common stock and that no other additional shares of InterCept common stock were issued (other than shares in respect of such options and warrants).  FNF may be deemed to beneficially own the shares of common stock InterCept that are subject to the Shareholder Agreements (the &quot;Subject Shares&quot;) pursuant to section 13(d) of the Securities Exchange Act of 1934, as amended (the &quot;E
xchange Act&quot;); however, FNF does not have a &quot;pecuniary interest&quot; (as such term is defined in Rule 16a-1(a)(2) under the Exchange Act) in the Subject Shares.  Accordingly, the amount of securities of InterCept reported as beneficially owned by FNF in Item 2 of Table I of this Form 3 is zero.  Neither the filing of this Form 3 nor any of its contents shall be deemed to constitute an admission by FNF that it is the beneficial owner of any of the common stock of InterCept referred to herein for purposes of Section 13(d) of the Exchange Act, or for any other purpose, and such beneficial ownership is expressely disclaimed.  FNF also disclaims any interest in any shares of common stock of InterCept held by any of its affiliated employee benefit plans, including pension funds and medical and dental funds, and by certain affiliated entities which may hold such shares for charitable purposes.</remarks>

    <ownerSignature>
        <signatureName>Fidelity National Financial, Inc.

by: /s/Alan L. Stinson, Executive Vice President and Chief Financial Officer</signatureName>
        <signatureDate>2004-09-17</signatureDate>
    </ownerSignature>
</ownershipDocument>

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