-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 GoR2dlftdpdrSY2uNTtVwuSMy5eBpinBrB9W92teC4NUOqL2B2y4w4Qp3Pw8yAb8
 L0h98zUYYH2BrXj7AlRsjA==

<SEC-DOCUMENT>0001187078-04-000001.txt : 20040102
<SEC-HEADER>0001187078-04-000001.hdr.sgml : 20040101
<ACCEPTANCE-DATETIME>20040102155235
ACCESSION NUMBER:		0001187078-04-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031231
FILED AS OF DATE:		20040102

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			JAMES ROBERT E JR
		CENTRAL INDEX KEY:			0001187078

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15829
		FILM NUMBER:		04501330

	BUSINESS ADDRESS:	
		STREET 1:		10200 DAVID TAYLOR DR
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28262-2373
		BUSINESS PHONE:		7046884300

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST CHARTER CORP /NC/
		CENTRAL INDEX KEY:			0000717306
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				561355866
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		10200 DAVID TAYLOR DRIVE
		STREET 2:		PO BOX 228
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28262-2373
		BUSINESS PHONE:		7046884300

	MAIL ADDRESS:	
		STREET 1:		10200 DAVID TAYLOR DRIVE
		STREET 2:		PO BOX 37937
		CITY:			CHARLOTTE
		STATE:			NC
		ZIP:			28262-2373

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST CHARTER CORP/NC/
		DATE OF NAME CHANGE:	19841128

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CONCORD NATIONAL INC
		DATE OF NAME CHANGE:	19840816
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>

<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2003-12-31</periodOfReport>


    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000717306</issuerCik>
        <issuerName>FIRST CHARTER CORP /NC/</issuerName>
        <issuerTradingSymbol>FCTR</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001187078</rptOwnerCik>
            <rptOwnerName>JAMES ROBERT E JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>PO BOX 37937</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>CHARLOTTE</rptOwnerCity>
            <rptOwnerState>NC</rptOwnerState>
            <rptOwnerZipCode>28237</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Executive vice President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>

        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2003-12-31</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>2000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>9916</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>

    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Represents a grant of Restricted Stock</footnote>
    </footnotes>


    <ownerSignature>
        <signatureName>Jan H Hollar, by power of attorney</signatureName>
        <signatureDate>2004-01-02</signatureDate>
    </ownerSignature>

</ownershipDocument>

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