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NCBC Executives to Speak to Analysts

               Also Reaffirm Outlook for Earnings Expectations

    MEMPHIS, Tenn., Oct. 23 /PRNewswire/ -- Officials of National Commerce
Bancorporation announced today that Chairman of the Board Thomas M. Garrott
and President and Chief Executive Officer Ernest C. Roessler will address the
UBS Warburg Regional Banks Conference Tuesday, October 24, in New York City.
    Shareholders and interested parties can view the conference agenda and
access the NCBC address by telephone.  The agenda and phone number will be
available at approximately 10 a.m. ET Tuesday morning on the UBS Warburg
website at http://www.ubsw.com.
    In anticipation of this conference and other analyst and investor meetings
over the coming weeks, the Company also said it remains comfortable with the
current IBES consensus earnings per share estimates for the fourth quarter of
2000 and calendar year 2001.
    Copies of the NCBC analyst presentation are available on the Company's
website at http://www.ncbccorp.com and from the Securities and Exchange Commission's
EDGAR database at http://www.sec.gov.

    This press release contains forward-looking statements (within the meaning
of the Private Securities Litigation Reform Act of 1995), which involve
significant risks and uncertainties.  A variety of factors could cause actual
results and experience to differ materially from the anticipated results or
other expectations expressed in such forward-looking statements.
    NCBC does not assume any obligation to update these forward-looking
statements or to update the reasons why actual results could differ from those
projected in the forward-looking statements.
    Factors that might cause such a difference include, but are not limited to
competition from both financial and non-financial institutions, including
those institutions moving into NCBC's markets for the first time through
mergers and acquisitions; failures to recognize synergies and/or cost changes
from the CCB merger; delays, difficulties and/or cost overruns in integrating
the operations of CCB and NCBC; changes in interest rates, deposit flows, loan
demand and real estate values; changes in legislation or regulation; changes
in accounting principles, policies or guidelines; the timing and occurrence
(or non-occurrence) of transactions and events that may be subject to
circumstances beyond the control of NCBC; and other economic, competitive,
governmental, regulatory and technological factors affecting NCBC specifically
or the banking industry or economy generally.


SOURCE National Commerce Bancorporation




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Related links:
  • http://www.ncbccorp.com
    CONTACT:
    Eileen Sarro of National Commerce
    Bancorporation, 919-683-7642