UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): August 18, 2004
National Commerce Financial Corporation
(Exact Name of Registrant as Specified in Charter)

 |  |  |  |  |  |  |  |  |  |  |
Tennessee |  | | 0-6094 | |  | | 62-0784645 | |
(State or Other Jurisdiction of Incorporation) |  | (Commission File Number) |  | (I.R.S. Employer Identification No.) |
One Commerce Square, Memphis, Tennessee |  | | 38150 | |
(Address of Principal Executive Offices) |  | (Zip Code) |
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Registrant's telephone number, including area code: (901) 523-3434
N/A
(Former name or former address, if changed since last report)
ITEM 7. Financial Statements and Exhibits.
(c) Exhibits
The following Exhibit is included with this Report:

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Exhibit Reference Number |  | Exhibit Description |
99.1 |  | Notice sent to directors and executive officers of National Commerce Financial Corporation. |
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ITEM 11 Temporary Suspension of Trading under Registrant's Employee Benefit Plan.
This Form 8-K is being filed to comply with the SEC requirement that notice of a covered blackout period under the National Commerce Financial Corporation Investment Plan, the Southbanc Shares, Inc. Employees Savings and Profit Sharing Plan, or the Perpetual Bank, a Federal Savings Bank, Employee Stock Ownership Plan be given to our directors and executive officers and also be furnished to the SEC under cover of Form 8-K. The notice being sent to those persons on August 18, 2004 is being filed as Exhibit 99.1 to this Form 8-K and is incorporated by reference into this Item.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 | NATIONAL COMMERCE FINANCIAL CORPORATION |
 | By: /s/ M.J.A. "Jekka" Pinckney Name: M.J.A. "Jekka" Pinckney Title: Corporate Secretary |
Date: August 18, 2004
EXHIBIT INDEX

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Exhibit Reference Number |  | Exhibit Description |
99.1 |  | Notice sent to directors and executive officers of National Commerce Financial Corporation. |
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