X0201 5 2003-12-31 0 0 0 0000101844 NATIONAL COMMERCE FINANCIAL CORP NCF 0001068740 MISTRETTA JOHN J ONE COMMERCE SQUARE MEMPHIS TN 38150 0 1 0 0 Human Resources Director Common stock 23611 D Common stock 3250 I by IRA Phantom Stock Units 0 1999-09-09 1999-09-09 Common stock 895 895 D The Reporting Person's direct non-derivative securities holdings includes 3,319.0441 shares held in the Issuer's Retirement Savings Plan as of December 31, 2003. The Reporting Person's direct derivative securities holdings include 894.9691 shares held in the Issuer's Retirement Savings Equity Plan as of December 31, 2003. The Plans do not unitize stock holdings for participants. Consequently, the shares included in the Reporting Person's ownership are computed based upon the Reporting Person's total account balance of the funds that hold the Issuer's stock divided by the Issuer's closing stock price as of December 31, 2003. Naudain L. Machen attorney-in-fact 2004-01-14