-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Ba94CGYyrJIzCtNE5aaI9gxaosoCIkMVHx69dnI3bupSfQ7AgioZ3NqYzSfUVdOL
 qohFZwPurj1P0fnMyHY//w==

<SEC-DOCUMENT>0001296249-04-000001.txt : 20040707
<SEC-HEADER>0001296249-04-000001.hdr.sgml : 20040707
<ACCEPTANCE-DATETIME>20040707102157
ACCESSION NUMBER:		0001296249-04-000001
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040623
FILED AS OF DATE:		20040707

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Lynch Kevin J
		CENTRAL INDEX KEY:			0001296249

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14213
		FILM NUMBER:		04903668

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		415 989 7775

	MAIL ADDRESS:	
		STREET 1:		201 POST STREET
		STREET 2:		SUITE 1000
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94108

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
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-06-23</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001296249</rptOwnerCik>
            <rptOwnerName>Lynch Kevin J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>201 POST STREET</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 1000</rptOwnerStreet2>
            <rptOwnerCity>SAN FRANCISCO</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>94108</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Common Stock (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>16.57</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>2014-06-22</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>35000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">vesting ratably over three years beginning June 23, 2004</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Kevin Lynch</signatureName>
        <signatureDate>2004-07-07</signatureDate>
    </ownerSignature>
</ownershipDocument>

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