NATIONAL COMMERCE BANCORPORATION
S-3, EX-23.2, 2000-11-02
NATIONAL COMMERCIAL BANKS
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                                                                    EXHIBIT 23.2

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-3 No. 333-00000) and related Prospectus of
National Commerce Bancorporation for the registration of 1,700,000 shares of its
common stock and to the incorporation by reference therein of our report dated
January 27, 2000, with respect to the consolidated financial statements of
National Commerce Bancorporation included in its Annual Report (Form 10-K) for
the year ended December 31, 1999, filed with the Securities and Exchange
Commission.



                                        /s/ Ernst and Young LLP

Memphis, Tennessee
October 26, 2000


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