Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)       September 6, 2005

                             NBC CAPITAL CORPORATION
             (Exact name of registrant as specified in its charter)

      Mississippi                       1-15773                   64-0694755
 (State or other jurisdiction           (Commission            (IRS Employer
        of incorporation)                File Number)        Identification No.)

NBC Plaza, Starkville, Mississippi                                 39759
 (Address of principal executive offices)                       (Zip Code)

Registrant's telephone number, including area code (662) 343-1341

         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))

Item 7.01   Regulation FD Disclosure.

On September 6, 2005, NBC Capital Corporation ("NBY") issued a press release
announcing plans to open a de-novo bank in Birmingham, Alabama, and to
consolidate all of its banks and branches under a new name and a single-bank
structure. The press release is attached as Exhibit 99.1 to this Form 8-K and is
furnished to, but not filed with, the Commission.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits.

         Exhibit Number             Description of Exhibit
         --------------             ----------------------
         99.1                       Press release issued September 6, 2005


Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                    NBC CAPITAL CORPORATION

Date:  September 6, 2005
                                   By:  /s/ Richard T. Haston
                                       Richard T. Haston
                                       Executive Vice President,
                                       Chief Financial Officer and Treasurer

                                 EXHIBIT INDEX

Exhibit                    Description
-------                    -----------

99.1                       Press Release dated September 6, 2005