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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 C57KzoFpc1Er0Uyz3An7Amtaqc9ntVcDTZFYyTjcV1/gdkOzI5vuupzHHyj0Y2qn
 cTS2vnC/ErXf1E/NZbWYOg==

<SEC-DOCUMENT>0001181431-03-020312.txt : 20030825
<SEC-HEADER>0001181431-03-020312.hdr.sgml : 20030825
<ACCEPTANCE-DATETIME>20030825170433
ACCESSION NUMBER:		0001181431-03-020312
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030825
FILED AS OF DATE:		20030825

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			ALLEN CHARLES E
		CENTRAL INDEX KEY:			0001258133

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22062
		FILM NUMBER:		03864855

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 338
		CITY:			ALBEMARLE
		STATE:			NC
		ZIP:			28002
		BUSINESS PHONE:		7049824415

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UWHARRIE CAPITAL CORP
		CENTRAL INDEX KEY:			0000898171
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				561814206
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		134 NORTH FIRST
		STREET 2:		PO BOX 338
		CITY:			ALBEMARLE
		STATE:			NC
		ZIP:			28001
		BUSINESS PHONE:		7049836181

	MAIL ADDRESS:	
		STREET 1:		P O BOX 338
		CITY:			ALBEMARLE
		STATE:			NC
		ZIP:			28002-0338

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	STANLY CAPITAL CORP
		DATE OF NAME CHANGE:	19930303
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd16910.xml
<DESCRIPTION>STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-08-25</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000898171</issuerCik>
        <issuerName>UWHARRIE CAPITAL CORP</issuerName>
        <issuerTradingSymbol>none</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001258133</rptOwnerCik>
            <rptOwnerName>ALLEN CHARLES E</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>PO BOX 338</rptOwnerStreet1>
            <rptOwnerStreet2>134 N. FIRST STREET</rptOwnerStreet2>
            <rptOwnerCity>ALBEMARLE</rptOwnerCity>
            <rptOwnerState>NC</rptOwnerState>
            <rptOwnerZipCode>28002-0338</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock (By Fiserv Securities FBO Charles E. Allen-IRA)</value></securityTitle><transactionDate><value>2003-08-25</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>D</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>351</value></transactionShares><transactionPricePerShare><value>5.7</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>3261</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature><
/nonDerivativeTransaction><nonDerivativeHolding><securityTitle><value>Common Stock (By Reporting Person as Custodian for Daughter)</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>78</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Reporting Person As Custodian for Daughter</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock (Held jointly with Spouse)</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>26</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock (By Reporting Person as Custodian for Son)</value></securityTitle><postTransaction
Amounts><sharesOwnedFollowingTransaction><value>10</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Reporting Person As Custodian for Son</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock (By Reporting Person as Custodian for Son)</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>5</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Reporting Person As Custodian for Son</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Common Stock (By Reporting Person as Custodian for Nephew)</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>47</value></sha
resOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>By Reporting Person As Custodian for Nephew</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><ownerSignature><signatureName>Charles E. Allen By Tamara M. Singletary, EVP, Uwharrie Capital Corp</signatureName><signatureDate>2003-08-25</signatureDate></ownerSignature></ownershipDocument>



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