SYNOVUS TRUST CO/FL
13F-NT, 1999-10-13
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    Form 13F

                               Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: September 30, 1999

Check here if Amendment [  ]: Amendment Number:
This Amendment (Check only one):            [   ] is a restatement.
                                            [   ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:             Synovus Trust Company (Florida)
Address:          400 West Garden Street
                  Pensacola, FL 32501

Form 13F File Number: 28-7448

The institutional  investment  manager filing this report and the person by whom
it is signed hereby  represent  that the person signing the report is authorized
to  submit  it,  that all  information  contained  herein is true,  correct  and
complete,  and  that it is  understood  that  all  required  items,  statements,
schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:             George G. Flowers
Title:            Chairman
Phone:            706-649-2232

Signature, Place, and Date of Signing:

/s/George G. Flowers          Columbus, GA                           10/12/1999
[Signature]                  [City, State]                           [Date]

Report Type (Check only one):

[    ] 13F  HOLDINGS  REPORT.  (Check  here if all  holdings  of this  reporting
     manager are reported in this report.)
[X]  13F NOTICE. (Check here if no holdings reported are in this report, and all
     holdings are reported by other reporting manager(s).)
[    ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this
     reporting manager are reported in this report and a portion are reported by
     other reporting manager(s).)

List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]

Form 13F File Number                               Name
28-4762                                            Synovus Financial Corp.






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