X0201 5 2003-12-31 0 0 1 0000101844 NATIONAL COMMERCE FINANCIAL CORP NCF 0001186184 REED WILLIAM R JR ONE COMMERCE SQUARE MEMPHIS TN 38150 1 1 0 0 CEO and President Common stock 290663 D Common stock 252980 I by Spouse Phantom stock units 0 2003-01-02 4 I 0 L 832 24.58 D 1999-09-09 1999-09-09 Common stock 832 6839 D The Reporting Person's direct non-derivative securities holdings includes 61,029.6810 shares held in the Issuer's Retirement Savings Plan as of December 31, 2003. The Plan does 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. Pay-out of Issuer shares in accordance with terms of NCF Deferred Compensation Plan. Includes 209 shares acquired through the reinvestment of dividends. Naudain L Machen attorney-in-fact 2004-01-23