X0201 4 2004-01-26 0 0000101844 NATIONAL COMMERCE FINANCIAL CORP NCF 0001186166 BROWN R GRATTAN JR ONE COMMERCE SQ EXECUTIVE OFFICES 4TH FLOOR MEMPHIS TN 38150 1 0 0 0 Common stock 2004-01-26 4 A 0 730 0 A 111239 D Payment of board retainer by Issuer. Naudain L Machen attorney-in-fact 2004-01-27