<?xml version="1.0"?>

<ownershipDocument>

    <documentType>3</documentType>

    <periodOfReport>2003-06-30</periodOfReport>


    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000101844</issuerCik>
        <issuerName>NATIONAL COMMERCE FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>NCF</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001251925</rptOwnerCik>
            <rptOwnerName>PRESLEY JOHN M</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Chief Financial Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>
        <transactionAmounts>
            <transactionShares>
                <value>7793</value>
            </transactionShares>
        </transactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>Incentive Stock Option (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>24.75</value>
        </conversionOrExercisePrice>
        <exerciseDate>
            <value>2002-01-16</value>
        </exerciseDate>
        <expirationDate>
            <value>2011-01-16</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>12120</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>Incentive Stock Option (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>25.8</value>
        </conversionOrExercisePrice>
        <exerciseDate>
            <value>2005-01-15</value>
        </exerciseDate>
        <expirationDate>
            <value>2012-01-15</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>3875</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>Non-Qualified Stock Option (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>9.1875</value>
        </conversionOrExercisePrice>
        <exerciseDate>
            <value>1997-01-21</value>
        </exerciseDate>
        <expirationDate>
            <value>2005-01-21</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>3000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>Non-Qualified Stock Option (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>15.125</value>
        </conversionOrExercisePrice>
        <exerciseDate>
            <value>1998-01-12</value>
        </exerciseDate>
        <expirationDate>
            <value>2006-01-12</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>10000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>Non-Qualified Stock Option (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>16.9375</value>
        </conversionOrExercisePrice>
        <exerciseDate>
            <value>2002-01-16</value>
        </exerciseDate>
        <expirationDate>
            <value>2010-03-09</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>2000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>Non-Qualified Stock Option (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>17.75</value>
        </conversionOrExercisePrice>
        <exerciseDate>
            <value>1999-01-14</value>
        </exerciseDate>
        <expirationDate>
            <value>2009-01-14</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>10000</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>Non-Qualified Stock Option (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>24.75</value>
        </conversionOrExercisePrice>
        <exerciseDate>
            <value>2002-01-16</value>
        </exerciseDate>
        <expirationDate>
            <value>2011-01-16</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>880</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>

    <derivativeSecurity>
        <securityTitle>
            <value>Non-Qualified Stock Option (right to buy)</value>
        </securityTitle>
        <conversionOrExercisePrice>
            <value>25.8</value>
        </conversionOrExercisePrice>
        <exerciseDate>
            <value>2003-01-15</value>
        </exerciseDate>
        <expirationDate>
            <value>2012-01-15</value>
        </expirationDate>
        <underlyingSecurity>
            <underlyingSecurityTitle>
                <value>Common stock</value>
            </underlyingSecurityTitle>
            <underlyingSecurityShares>
                <value>13125</value>
            </underlyingSecurityShares>
        </underlyingSecurity>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </derivativeSecurity>


    <ownerSignature>
        <signatureName>Naudain L. Machen attorney-in-fact</signatureName>
        <signatureDate>2003-07-08</signatureDate>
    </ownerSignature>

</ownershipDocument>

