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EXHIBIT 23.1
Consent of Independent Auditors
We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 333-_____) pertaining to the 1993 Incentive Stock Option Plan, the Salem
Trust Bank 1986 Incentive Stock Option Plan, the 1995 Directors Performance Plan
of American Federal Bank, FSB, the 1993 Nonstatutory Stock Option Plan for CCB
Savings Bank of Lenoir, Inc., SSB, the 1993 Nonstatutory Stock Option Plan for
Graham Savings Bank, Inc., SSB, the Security Capital Bancorp Omnibus Stock
Ownership and Long Term Incentive Plan, the Long-Term Incentive Plan, the
American Federal Bank, FSB Amended and Restated 1988 Stock Option and Incentive
Plan, and the Stone Street Bancorp, Inc. Stock Option Plan, of our report dated
January 27, 2000, with respect to the consolidated financial statements of
National Commerce Bancorporation incorporated by reference in its Annual Report
(Form 10-K) for the year ended December 31, 1999, filed with the Securities and
Exchange Commission.
/s/ Ernst & Young LLP
Memphis, Tennessee
July 21, 2000
