UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: June 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 Financial Corp.
Address: 901 Front Avenue, Suite 202
Columbus, GA 31901
Form 13F File Number: 28-4762
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: Garilou Page
Title: Vice President
Phone: 706-649-4793
Signature, Place, and Date of Signing:
/s/Garilou Page Columbus, GA 8/3/99
[Signature] [City, State] [Date]
Report Type (Check only one):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager
are reported in this report.)
[ ] 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).)
<PAGE>
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 2
Form 13F Information Table Entry Total: 544
Form 13F Information Table Value Total: $2,021,427
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
[If there are no entries in this list, state "NONE" and omit the column headings
and list entries.]
No. Form 13F File Number Name
1 28-4944 Synovus Trust Company
2 28- Synovus Trust Company (Florida)
<TABLE>
<CAPTION>
TEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8
Title
Name of Value Shares or Sh/Put Investment Other Voting Authority
of Issuer Class Cusip (x$1000) Prn Amt Prn Call Discretion Managers Sole Shared None
<S> <C> <S> <C> <C> <C> <C> <C> <C> <C>
AFLAC, INCORPORATED COM 001055102 4,405 92,012 SH DEFINED 1 14,624 77,388
AFLAC, INCORPORATED COM 001055102 18,429 384,946 SH SOLE 1 384,026 920
AT&T CORP COM 001957109 904 16,201 SH DEFINED 1 13,317 2,184 700
AT&T CORP COM 001957109 91 1,635 SH DEFINED 1,350 285
AT&T CORP COM 001957109 75 1,350 SH DEFINED 2 450 900
AT&T CORP COM 001957109 1,742 31,210 SH SOLE 1 30,460 750
AT&T CORP COM 001957109 548 9,812 SH SOLE 9,812
AT&T CORP COM 001957109 728 13,041 SH SOLE 2 13,041
ABBOTT LABS COM 002824100 154 3,400 SH DEFINED 1 3,400
ABBOTT LABS COM 002824100 392 8,650 SH SOLE 1 8,650
ABBOTT LABS COM 002824100 549 12,100 SH SOLE 12,100
AIR PRODUCTS & CHEMI COM 009158106 8 200 SH DEFINED 1 200
AIR PRODUCTS & CHEMI COM 009158106 1,418 35,240 SH SOLE 1 35,000 240
AIRTOUCH COMMUNICATI COM 00949T100 110 1,025 SH DEFINED 1 1,025
AIRTOUCH COMMUNICATI COM 00949T100 255 2,368 SH SOLE 1 2,368
ALCOA INC COM 013817101 210 3,400 SH DEFINED 1 1,000 2,400
ALCOA INC COM 013817101 186 3,000 SH SOLE 1 3,000
ALLIED SIGNAL, INCOR COM 019512102 18 280 SH DEFINED 1 280
ALLIED SIGNAL, INCOR COM 019512102 252 4,000 SH DEFINED 2 4,000
ALLIED SIGNAL, INCOR COM 019512102 2,762 43,835 SH SOLE 1 42,965 870
ALLIED SIGNAL, INCOR COM 019512102 362 5,745 SH SOLE 5,745
ALLTEL CORPORATION COM 020039103 4,004 55,997 SH SOLE 1 55,677 320
ALLTEL CORPORATION COM 020039103 522 7,296 SH SOLE 7,296
AMERICA ONLINE, INC. COM 02364J104 13 120 SH DEFINED 1 120
AMERICA ONLINE, INC. COM 02364J104 227 2,060 SH SOLE 1 1,060 1,000
AMERICAN EXPRESS COM COM 025816109 449 3,450 SH DEFINED 1 1,100 800 1,550
AMERICAN EXPRESS COM COM 025816109 299 2,298 SH SOLE 1 2,298
U.S. GOVT SECURITIES COM 026300103 135 10,545 SH SOLE 10,545
AMERICAN HIGH-INCOME COM 026547109 360 25,332 SH SOLE 25,332
AMERICAN HOME PRODUC COM 026609107 218 3,800 SH DEFINED 1 3,800
AMERICAN HOME PRODUC COM 026609107 5,809 101,241 SH SOLE 1 100,311 930
AMERICAN HOME PRODUC COM 026609107 390 6,799 SH SOLE 6,799
AMERICAN HOME PRODUC COM 026609107 281 4,900 SH SOLE 2 4,900
AMERICAN INTERNATION COM 026874107 221 1,887 SH SOLE 1,887
AMERITECH CORP COM 030954101 294 4,000 SH DEFINED 1 4,000
AMERITECH CORP COM 030954101 1038 14,124 SH SOLE 1 11,310 2,814
AMERITECH CORP COM 030954101 362 4,928 SH SOLE 2 4,928
AMGEN INC COM 031162100 365 6,000 SH DEFINED 1 6,000
AMGEN INC COM 031162100 322 5,288 SH SOLE 1 5,288
ANHEUSER BUSCH COMPA COM 035229103 284 4,000 SH DEFINED 1 4,000
ANHEUSER BUSCH COMPA COM 035229103 153 2,155 SH SOLE 1 2,155
ANHEUSER BUSCH COMPA COM 035229103 284 4,000 SH SOLE 2 4,000
APPLIED MATERIALS IN COM 038222105 281 3,800 SH SOLE 3,800
ARCHER-DANIELS-MIDLA COM 039483102 148 9,570 SH DEFINED 1 9,570
ARCHER-DANIELS-MIDLA COM 039483102 54 3,484 SH SOLE 1 3,484
ATLANTIC RICHFIELD C COM 048825103 134 1,600 SH DEFINED 1 1,600
ATLANTIC RICHFIELD C COM 048825103 175 2,100 SH DEFINED 2 1,500 600
ATLANTIC RICHFIELD C COM 048825103 3,075 36,800 SH SOLE 1 36,800
ATLANTIC RICHFIELD C COM 048825103 67 800 SH SOLE 2 800
AUTOMATIC DATA PROCE COM 053015103 194 4,400 SH DEFINED 1 4,400
AUTOMATIC DATA PROCE COM 053015103 425 9,664 SH SOLE 1 9,664
BP AMOCO PLC SPONSOR COM 055622104 469 4,322 SH DEFINED 1 463 2,295 1,564
BP AMOCO PLC SPONSOR COM 055622104 438 4,035 SH DEFINED 2 4,035
BP AMOCO PLC SPONSOR COM 055622104 2,419 22,295 SH SOLE 1 18,017 4,278
BP AMOCO PLC SPONSOR COM 055622104 280 2,579 SH SOLE 2 2,579
BUTLER FIFTH GENERAT COM 056010309 8,144 169,769 SH SOLE 1 169,769
BANK OF AMERICA CORP COM 060505104 253 3,454 SH DEFINED 1 168 1,886 1,400
BANK OF AMERICA CORP COM 060505104 8 112 SH DEFINED 112
BANK OF AMERICA CORP COM 060505104 1,031 14,064 SH DEFINED 2 840 13,224
BANK OF AMERICA CORP COM 060505104 6,468 88,225 SH SOLE 1 84,971 3,254
BANK OF AMERICA CORP COM 060505104 3,904 53,246 SH SOLE 53,246
BANK OF AMERICA CORP COM 060505104 1,819 24,814 SH SOLE 2 24,814
BANK ONE CORPORATION COM 06423A103 127 2,133 SH DEFINED 1 275 1,858
BANK ONE CORPORATION COM 06423A103 3,468 58,221 SH SOLE 1 58,001 220
BANK ONE CORPORATION COM 06423A103 212 3,558 SH SOLE 3,558
BAXTER INTERNATIONAL COM 071813109 79 1,300 SH DEFINED 1 500 800
BAXTER INTERNATIONAL COM 071813109 146 2,416 SH SOLE 1 2,416
BECTON DICKINSON AND COM 075887109 209 6,960 SH SOLE 1 6,960
BELL ATLANTIC CORPOR COM 077853109 515 7,878 SH DEFINED 1 6,672 1,206
BELL ATLANTIC CORPOR COM 077853109 114 1,748 SH DEFINED 1,600 148
BELL ATLANTIC CORPOR COM 077853109 35 536 SH DEFINED 2 200 336
BELL ATLANTIC CORPOR COM 077853109 602 9,208 SH SOLE 1 9,208
BELL ATLANTIC CORPOR COM 077853109 454 6,947 SH SOLE 6,947
BELL ATLANTIC CORPOR COM 077853109 1,181 18,058 SH SOLE 2 18,058
BELLSOUTH CORPORATIO COM 079860102 971 21,057 SH DEFINED 1 5,691 11,942 3,424
BELLSOUTH CORPORATIO COM 079860102 156 3,392 SH DEFINED 2,400 992
BELLSOUTH CORPORATIO COM 079860102 816 17,700 SH DEFINED 2 16,800 900
BELLSOUTH CORPORATIO COM 079860102 8,552 185,406 SH SOLE 1 177,564 7,842
BELLSOUTH CORPORATIO COM 079860102 554 12,014 SH SOLE 12,014
BELLSOUTH CORPORATIO COM 079860102 3,363 72,914 SH SOLE 2 72,914
BERKSHIRE HATHAWAY, COM 084670108 1,464 21 SH SOLE 1 21
BESTFOODS INCORPORAT COM 08658U101 139 2,800 SH DEFINED 2 2,800
BESTFOODS INCORPORAT COM 08658U101 3,187 64,393 SH SOLE 1 64,393
BESTFOODS INCORPORAT COM 08658U101 396 8,000 SH SOLE 2 8,000
BLACKROCK CORE BOND COM 091928747 1,598 170,171 SH SOLE 170,171
BLACKROCK BROAD INVE COM 09247Q106 219 17,825 SH DEFINED 1 17,825
BLACKROCK 1999 TERM COM 09247T100 94 9,450 SH DEFINED 1 5,500 3,950
BLACKROCK 1999 TERM COM 09247T100 563 56,668 SH SOLE 1 55,668 1,000
AMERICAN BOND FUND O COM 097873103 193 14,598 SH SOLE 14,598
BOSTON PROPERTIES, I COM 101121101 215 6,000 SH SOLE 1 6,000
BRISTOL-MYERS SQUIBB COM 110122108 1,150 16,328 SH DEFINED 1 5,050 8,478 2,800
BRISTOL-MYERS SQUIBB COM 110122108 113 1,600 SH DEFINED 2 800 800
BRISTOL-MYERS SQUIBB COM 110122108 5,997 85,143 SH SOLE 1 83,823 700 620
BRISTOL-MYERS SQUIBB COM 110122108 2,240 31,802 SH SOLE 31,802
BRISTOL-MYERS SQUIBB COM 110122108 2,154 30,580 SH SOLE 2 30,580
BUILDING MATERIALS H COM 120113105 115 10,000 SH DEFINED 1 10,000
CBS CORPORATION COM 12490K107 349 8,000 SH DEFINED 1 8,000
CSX CORP COM 126408103 45 1,000 SH DEFINED 1 1,000
CSX CORP COM 126408103 209 4,604 SH SOLE 1 4,604
CVS CORPORATION COM 126650100 132 2,600 SH DEFINED 2 2,600
CVS CORPORATION COM 126650100 71 1,400 SH SOLE 2 1,400
CUSTOM CAR CARE CO D COM 126990100 0 20,000 SH SOLE 1 20,000
CARNIVAL CORP CL A COM 143658102 330 6,800 SH DEFINED 2 6,800
CARNIVAL CORP CL A COM 143658102 187 3,850 SH SOLE 2 3,850
CAROLINA POWER & LIG COM 144141108 60 1,400 SH DEFINED 1 1,400
CAROLINA POWER & LIG COM 144141108 257 6,000 SH SOLE 1 6,000
CATERPILLAR, INC. COM 149123101 287 4,780 SH DEFINED 1 1,180 3,600
CATERPILLAR, INC. COM 149123101 44 740 SH SOLE 1 740
CENTURY SOUTH BANKS COM 156683104 263 11,689 SH SOLE 1 11,689
CHEVRON CORPORATION COM 166751107 524 5,510 SH DEFINED 1 2,622 1,988 900
CHEVRON CORPORATION COM 166751107 276 2,900 SH DEFINED 2 2,900
CHEVRON CORPORATION COM 166751107 4,169 43,855 SH SOLE 1 43,560 295
CHEVRON CORPORATION COM 166751107 1,539 16,192 SH SOLE 2 16,192
CHUBB CORPORATION COM 171232101 5,841 84,044 SH DEFINED 1 1,744 82,300
CHUBB CORPORATION COM 171232101 3,164 45,529 SH SOLE 1 45,369 160
CISCO SYSTEMS COM 17275R102 239 3,700 SH DEFINED 1 3,700
CISCO SYSTEMS COM 17275R102 194 3,000 SH DEFINED 2 3,000
CISCO SYSTEMS COM 17275R102 904 14,010 SH SOLE 1 13,010 1,000
CISCO SYSTEMS COM 17275R102 348 5,400 SH SOLE 5,400
CISCO SYSTEMS COM 17275R102 248 3,850 SH SOLE 2 3,850
CITIGROUP INCORPORAT COM 172967101 422 8,881 SH DEFINED 1 7,800 1,081
CITIGROUP INCORPORAT COM 172967101 138 2,910 SH SOLE 1 2,160 750
CLOROX COMPANY COM 189054109 32 298 SH DEFINED 1 298
CLOROX COMPANY COM 189054109 363 3,400 SH SOLE 1 3,400
COCA COLA COMPANY COM 191216100 29,383 473,916 SH DEFINED 1 41,291 424,634 7,991
COCA COLA COMPANY COM 191216100 7,787 125,600 SH DEFINED 2 125,600
COCA COLA COMPANY COM 191216100 553,474 8,927,008 SH SOLE 1 8,883,492 43,516
COCA COLA COMPANY COM 191216100 144,535 2,331,209 SH SOLE 2 2,230,049 101,160
COCA-COLA ENTERPRISE COM 191219104 265 8,900 SH DEFINED 2 8,900
COCA-COLA ENTERPRISE COM 191219104 60 2,000 SH SOLE 2 2,000
COLGATE-PALMOLIVE CO COM 194162103 169 1,720 SH DEFINED 2 1,720
COLGATE-PALMOLIVE CO COM 194162103 2,310 23,453 SH SOLE 1 23,453
COLGATE-PALMOLIVE CO COM 194162103 345 3,500 SH SOLE 3,500
COLGATE-PALMOLIVE CO COM 194162103 128 1,300 SH SOLE 2 1,300
COLUMBIA/HCA HEALTHC COM 197677107 1,336 58,585 SH SOLE 1 58,585
COMPAQ COMPUTER CORP COM 204493100 90 3,800 SH DEFINED 1 300 3,500
COMPAQ COMPUTER CORP COM 204493100 2,729 115,195 SH SOLE 1 114,300 895
CONOCO INCORPORATED COM 208251306 279 10,000 SH DEFINED 1 10,000
CORNING INCORPORATED COM 219350105 245 3,500 SH DEFINED 1 3,500
CORNING INCORPORATED COM 219350105 21 300 SH SOLE 1 300
COUSINS PROPERTIES I COM 222795106 609 18,000 SH SOLE 1 18,000
DEVELOPERS-INVESTORS COM 232990AA9 456 450,000 SH SOLE 1
DARDEN RESTAURANTS I COM 237194105 175 8,000 SH DEFINED 1 8,000
DARDEN RESTAURANTS I COM 237194105 776 35,582 SH SOLE 1 35,582
DAYTON HUDSON CORPOR COM 239753106 14 200 SH DEFINED 1 200
DAYTON HUDSON CORPOR COM 239753106 195 3,000 SH DEFINED 2 3,000
DAYTON HUDSON CORPOR COM 239753106 4,645 71,465 SH SOLE 1 70,505 960
DAYTON HUDSON CORPOR COM 239753106 338 5,200 SH SOLE 5,200
DAYTON HUDSON CORPOR COM 239753106 13 200 SH SOLE 2 200
DEERE AND CO COM 244199105 55 1,400 SH DEFINED 1 1,400
DEERE AND CO COM 244199105 1,198 30,560 SH SOLE 1 30,560
WALT DISNEY PRODUCTI COM 254687106 253 8,200 SH DEFINED 1 7,000 1,200
WALT DISNEY PRODUCTI COM 254687106 18 600 SH DEFINED 2 600
WALT DISNEY PRODUCTI COM 254687106 2,296 74,529 SH SOLE 1 74,229 300
WALT DISNEY PRODUCTI COM 254687106 1,078 35,000 SH SOLE 2 35,000
DOW CHEMICAL COMPANY COM 260543103 76 600 SH DEFINED 1 600
DOW CHEMICAL COMPANY COM 260543103 267 2,106 SH SOLE 1 2,106
DREYFUS MUN MONEY MK COM 26201S100 15 15,000 SH SOLE 15,000
E. I. DUPONT DE NEMO COM 263534109 1,073 15,712 SH DEFINED 1 7,292 5,620 2,800
E. I. DUPONT DE NEMO COM 263534109 239 3,500 SH DEFINED 2 2,000 1,500
E. I. DUPONT DE NEMO COM 263534109 2,288 33,496 SH SOLE 1 33,231 265
E. I. DUPONT DE NEMO COM 263534109 3,130 45,814 SH SOLE 45,814
E. I. DUPONT DE NEMO COM 263534109 280 4,100 SH SOLE 2 4,100
DUKE ENERGY CORPORAT COM 264399106 406 7,450 SH DEFINED 1 2,000 5,450
DUKE ENERGY CORPORAT COM 264399106 11 200 SH DEFINED 200
DUKE ENERGY CORPORAT COM 264399106 22 400 SH DEFINED 2 400
DUKE ENERGY CORPORAT COM 264399106 1,910 35,093 SH SOLE 1 34,593 500
DUKE ENERGY CORPORAT COM 264399106 476 8,746 SH SOLE 8,746
DUKE ENERGY CORPORAT COM 264399106 207 3,800 SH SOLE 2 3,800
EMC CORP COM 268648102 165 3,000 SH DEFINED 2 3,000
EMC CORP COM 268648102 330 6,000 SH SOLE 2 6,000
EARTH SCIENCES, INC. COM 270312200 4 10,000 SH SOLE 1 10,000
EASTMAN KODAK CO. COM 277461109 340 5,020 SH DEFINED 1 4,000 300 720
EASTMAN KODAK CO. COM 277461109 245 3,619 SH SOLE 1 2,915 704
EATON VANCE MARATHON COM 27826L843 99 10,080 SH SOLE 1 10,080
EDISON INTERNATIONAL COM 281020107 21 800 SH DEFINED 2 800
EDISON INTERNATIONAL COM 281020107 422 15,785 SH SOLE 2 15,785
EMERSON ELECTRIC CO. COM 291011104 25 400 SH DEFINED 1 400
EMERSON ELECTRIC CO. COM 291011104 113 1,800 SH DEFINED 2 1,500 300
EMERSON ELECTRIC CO. COM 291011104 2,374 37,716 SH SOLE 1 37,456 260
EMERSON ELECTRIC CO. COM 291011104 101 1,600 SH SOLE 2 1,600
ENRON CORPORATION COM 293561106 2,412 29,500 SH SOLE 29,500
EQUIFAX, INCORPORATE COM 294429105 357 10,000 SH DEFINED 1 6,000 4,000
EQUIFAX, INCORPORATE COM 294429105 157 4,400 SH SOLE 1 4,400
EXXON CORPORATION COM 302290101 1,155 14,971 SH DEFINED 1 3,095 7,216 4,660
EXXON CORPORATION COM 302290101 17 225 SH DEFINED 225
EXXON CORPORATION COM 302290101 754 9,776 SH DEFINED 2 9,376 400
EXXON CORPORATION COM 302290101 7,660 99,321 SH SOLE 1 95,431 3,890
EXXON CORPORATION COM 302290101 3,271 42,414 SH SOLE 42,414
EXXON CORPORATION COM 302290101 2,666 34,568 SH SOLE 2 34,568
FIRST SOUTHEASTERN C COM 303999106 0 12,108 SH SOLE 1 12,108
FEDERAL NATIONAL MOR COM 313586109 68 1,000 SH DEFINED 1 1,000
FEDERAL NATIONAL MOR COM 313586109 324 4,750 SH DEFINED 2 4,300 450
FEDERAL NATIONAL MOR COM 313586109 3,400 49,820 SH SOLE 1 49,570 250
FEDERAL NATIONAL MOR COM 313586109 143 2,100 SH SOLE 2 2,100
FEDERATED GNMA TRUST COM 314184102 112 10,228 SH DEFINED 1 4,533 5,694
FEDERATED GNMA TRUST COM 314184102 95 8,618 SH SOLE 1 8,618
FEDERATED HIGH YIELD COM 314197104 1,062 121,356 SH SOLE 1 107,861 13,495
FEDERATED HIGH YIELD COM 314197104 136 15,492 SH SOLE 15,492
FEDERATED INCOME TRU COM 314199100 94 9,346 SH DEFINED 1 4,516 4,830
FEDERATED INCOME TRU COM 314199100 67 6,653 SH SOLE 1 6,653
FEDERATED INCOME TRU COM 314199100 366 36,307 SH SOLE 36,307
FEDERATED SHORT TERM COM 31420C209 183 21,306 SH DEFINED 1 2,883 18,422
FEDERATED SHORT TERM COM 31420C209 494 57,409 SH SOLE 1 57,409
FEDERATED FUND #09 U COM 31428M100 160 15,368 SH DEFINED 1 15,368
FEDERATED FUND #09 U COM 31428M100 193 18,559 SH SOLE 1 17,341 1,218
FEDERATED FUND #47 U COM 31428P103 134 12,708 SH DEFINED 1 2,408 10,299
FEDERATED FUND #47 U COM 31428P103 538 51,009 SH SOLE 1 51,009
FIDELITY ADVISOR INS COM 315809400 37 3,998 SH DEFINED 1 1,711 2,286
FIDELITY ADVISOR INS COM 315809400 3,721 403,623 SH SOLE 1 383,800 1,539 18,283
FIDELITY ADVISOR INS COM 315809400 265 28,771 SH SOLE 28,771
FIDELITY U.S. BOND I COM 315911107 154 14,718 SH DEFINED 1 14,718
FIDELITY U.S. BOND I COM 315911107 2 185 SH SOLE 1 185
FIDELITY GOVERNMENT COM 316172105 391 40,639 SH SOLE 40,639
FIDELITY GOVERNMENT COM 31617K105 139 13,133 SH SOLE 1 13,133
FIDELITY MORTGAGE SE COM 31617K204 115 10,894 SH DEFINED 1 10,894
FIDELITY INTERMEDIAT COM 31617K303 148 15,561 SH DEFINED 1 11,442 4,119
FIRST LIBERTY FINANC COM 320691108 565 18,000 SH SOLE 1 18,000
FIRST TENNESSEE NATI COM 337162101 756 19,744 SH DEFINED 1 19,744
FIRST UNION CORPORAT COM 337358105 589 12,500 SH DEFINED 1 12,500
FIRST UNION CORPORAT COM 337358105 965 20,467 SH SOLE 1 20,467
FLEET FINANCIAL GROU COM 338915101 40 900 SH DEFINED 1 900
FLEET FINANCIAL GROU COM 338915101 2,919 65,791 SH SOLE 1 65,791
FLOWERS INDUSTRIES, COM 343496105 158 7,300 SH DEFINED 1 7,300
FLOWERS INDUSTRIES, COM 343496105 1,284 59,213 SH SOLE 1 59,213
FORD MOTOR COMPANY COM 345370100 127 2,256 SH DEFINED 1 2,256
FORD MOTOR COMPANY COM 345370100 3,580 63,427 SH SOLE 1 62,797 630
FRANKLIN CUSTODIAN F COM 353496300 78 33,520 SH DEFINED 1 18,321 15,198
FRANKLIN CUSTODIAN F COM 353496300 39 16,682 SH SOLE 1 16,682
FRANKLIN U.S. GOVERN COM 353496607 64 9,555 SH DEFINED 1 2,366 7,188
FRANKLIN U.S. GOVERN COM 353496607 120 17,986 SH SOLE 1 16,128 1,858
GTE CORPORATION COM 362320103 372 4,933 SH DEFINED 1 1,647 3,181 105
GTE CORPORATION COM 362320103 45 600 SH DEFINED 600
GTE CORPORATION COM 362320103 10,366 137,296 SH SOLE 1 135,943 400 953
GTE CORPORATION COM 362320103 343 4,546 SH SOLE 4,546
GTE CORPORATION COM 362320103 393 5,200 SH SOLE 2 5,200
GANNETT COMPANY, INC COM 364730101 304 4,255 SH SOLE 1 4,255
GENERAL ELECTRIC COM COM 369604103 3,714 32,871 SH DEFINED 1 7,050 13,901 11,920
GENERAL ELECTRIC COM COM 369604103 102 900 SH DEFINED 800 100
GENERAL ELECTRIC COM COM 369604103 1,514 13,400 SH DEFINED 2 9,400 4,000
GENERAL ELECTRIC COM COM 369604103 14,556 128,817 SH SOLE 1 122,163 6,654
GENERAL ELECTRIC COM COM 369604103 2,501 22,132 SH SOLE 22,132
GENERAL ELECTRIC COM COM 369604103 6,294 55,695 SH SOLE 2 55,695
GENERAL MILLS, INC. COM 370334104 1,173 14,592 SH DEFINED 1 14,592
GENERAL MILLS, INC. COM 370334104 5,372 66,837 SH SOLE 1 66,837
GENERAL MOTORS CORPO COM 370442105 234 3,542 SH SOLE 3,542
GENUINE PARTS COMPAN COM 372460105 154 4,386 SH DEFINED 1 1,686 2,700
GENUINE PARTS COMPAN COM 372460105 1,638 46,794 SH SOLE 1 46,794
GEORGIA PACIFIC CORP COM 373298108 67 1,404 SH DEFINED 1,404
GEORGIA PACIFIC CORP COM 373298108 710 14,984 SH SOLE 14,984
GEORGIA PACIFIC TIMB COM 373298702 338 13,400 SH DEFINED 1 13,400
GEORGIA PACIFIC TIMB COM 373298702 18 702 SH DEFINED 702
GEORGIA PACIFIC TIMB COM 373298702 1 29 SH SOLE 1 29
GEORGIA PACIFIC TIMB COM 373298702 187 7,412 SH SOLE 7,412
GILLETTE CO COM 375766102 493 12,025 SH DEFINED 1 8,825 3,200
GILLETTE CO COM 375766102 295 7,200 SH DEFINED 2 7,200
GILLETTE CO COM 375766102 1,488 36,289 SH SOLE 1 35,789 500
GILLETTE CO COM 375766102 254 6,190 SH SOLE 2 6,190
GOODYEAR TIRE & RUBB COM 382550101 1,522 25,875 SH SOLE 1 25,875
HALLIBURTON COMPANY COM 406216101 100 2,200 SH DEFINED 1 600 1,600
HALLIBURTON COMPANY COM 406216101 2,127 47,002 SH SOLE 1 47,002
H J HEINZ COMPANY COM 423074103 261 5,200 SH DEFINED 1 1,500 3,700
H J HEINZ COMPANY COM 423074103 181 3,606 SH SOLE 1 2,550 1,056
H J HEINZ COMPANY COM 423074103 371 7,400 SH SOLE 2 7,400
HERSHEY FOODS CORP COM 427866108 321 5,400 SH SOLE 1 5,400
HERSHEY FOODS CORP COM 427866108 285 4,800 SH SOLE 4,800
HEWLETT PACKARD CO COM 428236103 413 4,114 SH DEFINED 1 97 1,017 3,000
HEWLETT PACKARD CO COM 428236103 80 800 SH DEFINED 2 800
HEWLETT PACKARD CO COM 428236103 6,172 61,412 SH SOLE 1 60,932 480
HEWLETT PACKARD CO COM 428236103 472 4,700 SH SOLE 4,700
HEWLETT PACKARD CO COM 428236103 352 3,500 SH SOLE 2 3,500
HOME DEPOT INCORPORA COM 437076102 270 4,191 SH DEFINED 1 1,580 1,457 1,154
HOME DEPOT INCORPORA COM 437076102 470 7,300 SH DEFINED 2 7,300
HOME DEPOT INCORPORA COM 437076102 5,216 80,942 SH SOLE 1 80,242 700
HOME DEPOT INCORPORA COM 437076102 612 9,500 SH SOLE 9,500
HOME DEPOT INCORPORA COM 437076102 74 1,150 SH SOLE 2 1,150
HOST MARRIOTT CORP N COM 44107P104 168 14,130 SH SOLE 1 14,130
HOUSEHOLD INTERNATIO COM 441815107 118 2,500 SH DEFINED 1 2,500
HOUSEHOLD INTERNATIO COM 441815107 112 2,364 SH SOLE 1 2,364
HUMANA, INCORPORATED COM 444859102 652 50,397 SH SOLE 1 50,397
ILLINOIS TOOL WORKS, COM 452308109 2,041 24,965 SH SOLE 1 24,675 290
IMPERIAL SUGAR CO. N COM 453096109 69 10,000 SH DEFINED 1 10,000
INTEL CORPORATION COM 458140100 513 8,628 SH DEFINED 1 128 5,100 3,400
INTEL CORPORATION COM 458140100 36 600 SH DEFINED 600
INTEL CORPORATION COM 458140100 607 10,200 SH DEFINED 2 10,200
INTEL CORPORATION COM 458140100 5,504 92,496 SH SOLE 1 87,786 4,710
INTEL CORPORATION COM 458140100 496 8,340 SH SOLE 8,340
INTEL CORPORATION COM 458140100 1,845 31,000 SH SOLE 2 29,800 1,200
INTERNATIONAL BUSINE COM 459200101 673 5,204 SH DEFINED 1 1,200 1,076 2,928
INTERNATIONAL BUSINE COM 459200101 259 2,000 SH DEFINED 2 2,000
INTERNATIONAL BUSINE COM 459200101 3,395 26,270 SH SOLE 1 23,454 2,816
INTERNATIONAL BUSINE COM 459200101 238 1,842 SH SOLE 1,842
INTERNATIONAL BUSINE COM 459200101 52 400 SH SOLE 2 400
INTERNATIONAL PAPER COM 460146103 423 8,426 SH DEFINED 1 7,426 1,000
INTERNATIONAL PAPER COM 460146103 109 2,178 SH SOLE 1 2,178
INTUIT INC COM 461202103 541 6,000 SH DEFINED 1 6,000
JANUS FLEXIBLE INCOM COM 471023606 114 11,966 SH DEFINED 1 6,084 5,881
JEFFERSON-PILOT CORP COM 475070108 11 165 SH DEFINED 165
JEFFERSON-PILOT CORP COM 475070108 324 4,892 SH SOLE 4,892
JOHNSON & JOHNSON COM 478160104 570 5,819 SH DEFINED 1 150 5,669
JOHNSON & JOHNSON COM 478160104 7,124 72,695 SH SOLE 1 72,695
JOHNSON & JOHNSON COM 478160104 451 4,605 SH SOLE 4,605
KANSAS CITY SOUTHERN COM 485170104 242 3,800 SH SOLE 1 3,800
KELLOGG COMPANY COM 487836108 1,090 33,040 SH SOLE 1 33,040
KEMPER INSURED CORPO COM 487903239 24 94,636 SH SOLE 1 94,636
KEMPER INSURED CORPO COM 487903312 14 20,262 SH SOLE 1 20,262
KIMBERLY CLARK CORP COM 494368103 34 590 SH DEFINED 1 190 400
KIMBERLY CLARK CORP COM 494368103 137 2,400 SH DEFINED 2 2,000 400
KIMBERLY CLARK CORP COM 494368103 4,247 74,508 SH SOLE 1 74,108 400
KIMBERLY CLARK CORP COM 494368103 103 1,800 SH SOLE 2 1,800
KNIGHT-RIDDER COM 499040103 463 8,400 SH SOLE 1 8,400
KROGER INC COM 501044101 168 6,000 SH DEFINED 2 6,000
KROGER INC COM 501044101 56 2,000 SH SOLE 2 2,000
LEXINGTON RAMIREZ GL COM 529534109 166 16,927 SH DEFINED 1 16,927
LILLY, ELI & CO COM 532457108 50 700 SH DEFINED 1 700
LILLY, ELI & CO COM 532457108 167 2,334 SH SOLE 1 2,334
LILLY, ELI & CO COM 532457108 244 3,400 SH SOLE 2 2,300 1,100
LOUISIANA PACIFIC CO COM 546347105 21 900 SH DEFINED 900
LOUISIANA PACIFIC CO COM 546347105 402 16,828 SH SOLE 16,828
LOWES COMPANIES INC COM 548661107 11 200 SH DEFINED 1 200
LOWES COMPANIES INC COM 548661107 4,039 71,245 SH SOLE 1 70,275 970
LUCENT TECHNOLOGIES COM 549463107 1,889 28,008 SH DEFINED 1 24,000 2,388 1,620
LUCENT TECHNOLOGIES COM 549463107 95 1,408 SH DEFINED 1,164 244
LUCENT TECHNOLOGIES COM 549463107 161 2,388 SH DEFINED 2 2,388
LUCENT TECHNOLOGIES COM 549463107 1,421 21,069 SH SOLE 1 20,421 648
LUCENT TECHNOLOGIES COM 549463107 672 9,958 SH SOLE 9,958
LUCENT TECHNOLOGIES COM 549463107 689 10,224 SH SOLE 2 10,224
MCI WORLDCOM INC. COM 55268B106 6 75 SH DEFINED 1 75
MCI WORLDCOM INC. COM 55268B106 434 5,046 SH SOLE 1 4,546 500
MFS GEORGIA MUNICIPA COM 55273N756 269 25,427 SH SOLE 1 25,427
MARRIOTT INTERNATION COM 571903202 2,846 76,134 SH SOLE 1 76,134
MARTIN INDUSTRIES IN COM 57326K102 33 15,000 SH SOLE 1 15,000
MCDONALDS CORP COM 580135101 329 8,000 SH DEFINED 1 8,000
MCDONALDS CORP COM 580135101 392 9,540 SH SOLE 1 8,940 600
MCDONALDS CORP COM 580135101 461 11,200 SH SOLE 2 11,200
MCGRAW HILL COMPANIE COM 580645109 1,206 22,352 SH SOLE 1 20,722 1,630
MEDIAONE GROUP INCOR COM 58440J104 179 2,400 SH DEFINED 1 2,400
MEDIAONE GROUP INCOR COM 58440J104 105 1,408 SH SOLE 1 1,408
MEDTRONIC INC COM 585055106 389 5,000 SH DEFINED 2 5,000
MEDTRONIC INC COM 585055106 3,817 49,015 SH SOLE 1 48,380 635
MEDTRONIC INC COM 585055106 245 3,140 SH SOLE 2 3,140
MERCK & CO., INC COM 589331107 2,478 33,652 SH DEFINED 1 9,056 5,416 19,180
MERCK & CO., INC COM 589331107 486 6,600 SH DEFINED 2 6,200 400
MERCK & CO., INC COM 589331107 7,659 104,023 SH SOLE 1 101,483 2,540
MERCK & CO., INC COM 589331107 971 13,185 SH SOLE 13,185
MERCK & CO., INC COM 589331107 2,888 39,220 SH SOLE 2 39,220
MICROSOFT CORPORATIO COM 594918104 249 2,760 SH DEFINED 1 2,700 60
MICROSOFT CORPORATIO COM 594918104 198 2,200 SH DEFINED 2 2,200
MICROSOFT CORPORATIO COM 594918104 1,957 21,694 SH SOLE 1 16,694 5,000
MICROSOFT CORPORATIO COM 594918104 577 6,400 SH SOLE 6,400
MICROSOFT CORPORATIO COM 594918104 1,136 12,600 SH SOLE 2 12,600
MINNESOTA MINING & M COM 604059105 243 2,800 SH DEFINED 1 2,000 800
MINNESOTA MINING & M COM 604059105 2,347 27,001 SH SOLE 1 26,841 160
MINNESOTA MINING & M COM 604059105 348 4,000 SH SOLE 4,000
MOBIL CORP COM 607059102 154 1,564 SH DEFINED 1 1,564
MOBIL CORP COM 607059102 138 1,400 SH DEFINED 2 800 600
MOBIL CORP COM 607059102 3,458 35,016 SH SOLE 1 34,581 435
MOBIL CORP COM 607059102 1,821 18,440 SH SOLE 18,440
MOBIL CORP COM 607059102 1,155 11,700 SH SOLE 2 11,700
MONSANTO CO. COM 611662107 356 9,000 SH SOLE 9,000
J. P. MORGAN & CO., COM 616880100 211 1,500 SH DEFINED 1 1,500
J. P. MORGAN & CO., COM 616880100 202 1,440 SH SOLE 1 1,440
MOTOROLA, INC COM 620076109 104 1,100 SH DEFINED 1 1,100
MOTOROLA, INC COM 620076109 256 2,700 SH DEFINED 2 2,700
MOTOROLA, INC COM 620076109 5,609 59,201 SH SOLE 1 58,851 350
MUNIVEST FUND, INCOR COM 626295109 0 5 SH DEFINED 1 5
MUNIVEST FUND, INCOR COM 626295109 365 38,459 SH SOLE 1 38,459
NATIONAL DEPENDENT C COM 629005109 0 282,992 SH SOLE 1 282,992
PREFERRED LAND CORP COM 629994104 0 15,000 SH SOLE 1 15,000
NATIONAL SERVICE IND COM 637657107 61 1,686 SH DEFINED 1 1,686
NATIONAL SERVICE IND COM 637657107 188 5,228 SH SOLE 1 5,228
NORFOLK SOUTHERN COR COM 655844108 271 9,000 SH DEFINED 1 1,900 7,100
NORFOLK SOUTHERN COR COM 655844108 2,124 70,520 SH SOLE 1 70,145 375
NORFOLK SOUTHERN COR COM 655844108 374 12,417 SH SOLE 12,417
NUCOR CORPORATION COM 670346105 1,052 22,170 SH SOLE 1 21,970 200
NUVEEN GEORGIA PREMI COM 67060F102 181 11,206 SH SOLE 1 11,206
NUVEEN PERFORMANCE P COM 67062P108 318 21,319 SH SOLE 1 21,319
NUVEEN FLAGSHIP FL M COM 67065L708 106 10,020 SH SOLE 2 10,020
OMNICOM GROUP, INC. COM 681919106 224 2,800 SH DEFINED 2 2,800
OMNICOM GROUP, INC. COM 681919106 64 800 SH SOLE 2 800
ORACLE CORPORATION COM 68389X105 637 17,166 SH DEFINED 1 12,466 1,200 3,500
ORACLE CORPORATION COM 68389X105 6,104 164,408 SH SOLE 1 163,343 1,065
ORACLE CORPORATION COM 68389X105 253 6,825 SH SOLE 2 6,825
OPPENHEIMER MULTI-SE COM 683933105 92 10,523 SH SOLE 1 10,523
PAB BANKSHARES, INC. COM 69313P101 1 75 SH DEFINED 1 75
PAB BANKSHARES, INC. COM 69313P101 949 59,342 SH SOLE 1 59,342
P G & E CORPORATION COM 69331C108 62 1,900 SH DEFINED 2 1,900
P G & E CORPORATION COM 69331C108 168 5,178 SH SOLE 2 5,178
PPG INDUSTRIES, INC COM 693506107 236 4,000 SH DEFINED 1 4,000
PPG INDUSTRIES, INC COM 693506107 1,593 26,971 SH SOLE 1 26,816 155
PPG INDUSTRIES, INC COM 693506107 242 4,100 SH SOLE 4,100
PAGING NETWORK INC COM 695542100 26 5,474 SH DEFINED 1 5,474
PAGING NETWORK INC COM 695542100 39 8,000 SH SOLE 1 8,000
PEPSICO, INC. COM 713448108 263 6,800 SH DEFINED 1 6,000 800
PEPSICO, INC. COM 713448108 12 300 SH DEFINED 300
PEPSICO, INC. COM 713448108 95 2,450 SH SOLE 1 2,450
PEPSICO, INC. COM 713448108 500 12,930 SH SOLE 12,930
PETCO ANIMAL SUPPLIE COM 716016100 473 30,000 SH SOLE 1 30,000
PFIZER INC COM 717081103 836 7,672 SH DEFINED 1 4,000 3,672
PFIZER INC COM 717081103 131 1,200 SH DEFINED 2 1,200
PFIZER INC COM 717081103 2,922 26,805 SH SOLE 1 25,305 1,500
PFIZER INC COM 717081103 687 6,300 SH SOLE 2 6,300
PHILIP MORRIS COMPAN COM 718154107 317 7,900 SH DEFINED 1 2,500 600 4,800
PHILIP MORRIS COMPAN COM 718154107 603 15,000 SH SOLE 1 15,000
PHILIP MORRIS COMPAN COM 718154107 1,965 48,900 SH SOLE 2 47,100 1,800
PREPAID LEGAL SERVIC COM 740065107 826 30,469 SH SOLE 1 30,469
T. ROWE PRICE ASSOCI COM 741477103 3,041 79,245 SH SOLE 1 78,195 1,050
PROCTOR & GAMBLE COM 742718109 107 1,200 SH DEFINED 1 200 1,000
PROCTOR & GAMBLE COM 742718109 174 1,950 SH DEFINED 2 1,500 450
PROCTOR & GAMBLE COM 742718109 3,773 42,270 SH SOLE 1 41,995 275
PROCTOR & GAMBLE COM 742718109 437 4,896 SH SOLE 4,896
PROCTOR & GAMBLE COM 742718109 1,566 17,550 SH SOLE 2 17,550
PROVIDIAN FINANCIAL COM 74406A102 214 2,292 SH SOLE 2,292
PUTNAM TAX EXEMPT IN COM 746870104 199 22,547 SH SOLE 1 22,547
QUALCOMM CORP COM 747525103 373 2,600 SH DEFINED 1 2,600
QUALCOMM CORP COM 747525103 57 400 SH SOLE 1 400
RAYTHEON COMPANY COM 755111309 104 1,506 SH DEFINED 1 255 51 1,200
RAYTHEON COMPANY COM 755111309 225 3,264 SH SOLE 1 3,264
RAYTHEON COMPANY CLA COM 755111408 259 3,668 SH SOLE 1 3,668
REGIONS FINANCIAL CO COM 758940100 563 14,647 SH SOLE 1 14,647
ROCKWELL INTERNATION COM 773903109 254 4,200 SH DEFINED 2 4,200
ROCKWELL INTERNATION COM 773903109 342 5,656 SH SOLE 1 5,656
ROCKWELL INTERNATION COM 773903109 18 300 SH SOLE 2 300
T ROWE PRICE SPECTRU COM 779906106 167 14,917 SH DEFINED 1 14,917
ROYAL DUTCH PETROLEU COM 780257804 169 2,800 SH DEFINED 1 2,800
ROYAL DUTCH PETROLEU COM 780257804 248 4,120 SH SOLE 1 4,120
ROYAL DUTCH PETROLEU COM 780257804 244 4,045 SH SOLE 4,045
SBC COMMUNICATIONS, COM 78387G103 754 12,996 SH DEFINED 1 7,194 5,802
SBC COMMUNICATIONS, COM 78387G103 34 588 SH DEFINED 588
SBC COMMUNICATIONS, COM 78387G103 174 3,000 SH DEFINED 2 300 2,700
SBC COMMUNICATIONS, COM 78387G103 5,996 103,371 SH SOLE 1 102,551 820
SBC COMMUNICATIONS, COM 78387G103 294 5,067 SH SOLE 5,067
SBC COMMUNICATIONS, COM 78387G103 526 9,062 SH SOLE 2 9,062
SOUTHEASTERN FACTOR COM 784991101 0 14,700 SH SOLE 1 14,700
STRATEGIC TECHNOLOGI COM 786991109 0 38,000 SH SOLE 1 38,000
ST PAUL COMPANIES, I COM 792860108 201 6,172 SH SOLE 1 6,172
SARA LEE CORPORATION COM 803111103 295 13,000 SH DEFINED 1 8,000 5,000
SARA LEE CORPORATION COM 803111103 2,701 119,030 SH SOLE 1 118,280 750
SARA LEE CORPORATION COM 803111103 293 12,920 SH SOLE 12,920
SCHERING PLOUGH CORP COM 806605101 84 1,600 SH DEFINED 1 1,000 600
SCHERING PLOUGH CORP COM 806605101 1025 19,528 SH SOLE 1 19,528
SCHERING PLOUGH CORP COM 806605101 1,169 22,265 SH SOLE 22,265
SCHERING PLOUGH CORP COM 806605101 1,176 22,400 SH SOLE 2 22,400
SCHLUMBERGER LTD COM 806857108 182 2,860 SH DEFINED 1 60 2,800
SCHLUMBERGER LTD COM 806857108 2,734 42,935 SH SOLE 1 42,835 100
SCHLUMBERGER LTD COM 806857108 261 4,100 SH SOLE 4,100
SCHLUMBERGER LTD COM 806857108 232 3,650 SH SOLE 2 3,650
SCHOLASTIC CORPORATI COM 807066105 205 4,051 SH SOLE 1 4,051
SEAGRAM LIMITED COM 811850106 282 5,600 SH SOLE 2 5,600
SELIGMAN INCOME FUND COM 816338107 596 42,318 SH SOLE 42,318
SELIGMAN MUNICIPAL S COM 816346811 167 21,031 SH DEFINED 21,031
SELIGMAN MUNICIPAL S COM 816346811 3,004 379,300 SH SOLE 379,300
SHONEYS,INC. COM 825039100 2 1,080 SH DEFINED 1 1,080
SHONEYS,INC. COM 825039100 219 100,000 SH SOLE 1 100,000
SMITHKLINE BEECHAM P COM 832378301 251 3,800 SH DEFINED 2 3,800
SMITHKLINE BEECHAM P COM 832378301 277 4,200 SH SOLE 2 4,200
SONOCO PRODUCTS COMP COM 835495102 335 11,180 SH DEFINED 11,180
SOUTHERN COMPANY COM 842587107 368 13,890 SH DEFINED 1 4,400 9,490
SOUTHERN COMPANY COM 842587107 2,258 85,218 SH SOLE 1 85,218
SOUTHERN COMPANY COM 842587107 253 9,562 SH SOLE 2 9,562
SPRINT, CORP COM 852061100 424 8,000 SH DEFINED 1 8,000
SPRINT, CORP COM 852061100 815 15,368 SH SOLE 1 10,128 5,240
SPRINT CORPORATION S COM 852061506 114 2,000 SH DEFINED 1 2,000
SPRINT CORPORATION S COM 852061506 219 3,842 SH SOLE 1 2,532 1,310
STAPLES INC COM 855030102 226 7,300 SH SOLE 1 7,300
STATE STREET CORPORA COM 857477103 23 270 SH DEFINED 1 270
STATE STREET CORPORA COM 857477103 3,815 37,305 SH SOLE 1 37,305
STEELCASE INC. CLASS COM 858155401 247 12,857 SH SOLE 12,857
STEIN ROE INCOME TR COM 858420102 119 12,644 SH DEFINED 1 12,644
SUN MICROSYSTEMS, IN COM 866810104 241 3,495 SH SOLE 1 3,495
SUNTRUST BANKS INC COM 867914103 702 10,112 SH DEFINED 1 1,000 7,212 1,900
SUNTRUST BANKS INC COM 867914103 243 3,500 SH DEFINED 2 3,500
SUNTRUST BANKS INC COM 867914103 17,698 254,871 SH SOLE 1 254,871
SUNTRUST BANKS INC COM 867914103 306 4,400 SH SOLE 2 4,400
SYNOVUS FINANCIAL CO COM 87161C105 286,569 14,418,561 SH DEFINED 1 11,859 869,476 13,537,226
SYNOVUS FINANCIAL CO COM 87161C105 669 33,646 SH DEFINED 2 33,646
SYNOVUS FINANCIAL CO COM 87161C105 435,656 21,919,821 SH SOLE 1 20,856,252 37,150 1,026,419
SYNOVUS FINANCIAL CO COM 87161C105 4,410 221,865 SH SOLE 221,865
SYNOVUS FINANCIAL CO COM 87161C105 8,164 410,760 SH SOLE 2 410,760
SYNOVUS FINANCIAL CO COM 87161C105 1,799 90,518 SH SOLE 90,518
SYNOVUS FINANCIAL CO COM 87161C105 3,852 193,803 SH DEFINED 103,159 90,644
T C A CABLE TV COM 872241104 333 6,000 SH DEFINED 1 6,000
TECO ENERGY INC. COM 872375100 225 9,900 SH DEFINED 2 9,900
TECO ENERGY INC. COM 872375100 891 39,150 SH SOLE 2 39,150
TELLABS, INC. DELEWA COM 879664100 203 3,000 SH DEFINED 2 3,000
TENNECO INCORPORATED COM 88037E101 11 473 SH DEFINED 1 400 73
TENNECO INCORPORATED COM 88037E101 858 35,936 SH SOLE 1 35,731 205
TEXACO INC COM 881694103 87 1,400 SH DEFINED 1 200 1,200
TEXACO INC COM 881694103 270 4,322 SH SOLE 1 4,322
TEXAS INSTRUMENTS IN COM 882508104 288 2,000 SH DEFINED 1 2,000
TEXAS INSTRUMENTS IN COM 882508104 230 1,600 SH DEFINED 2 1,600
TEXAS INSTRUMENTS IN COM 882508104 6,505 45,175 SH SOLE 1 44,775 400
TIME WARNER INC COM 887315109 218 3,000 SH DEFINED 1 3,000
TIME WARNER INC COM 887315109 203 2,800 SH DEFINED 2 2,800
TIME WARNER INC COM 887315109 19 260 SH SOLE 1 260
TIME WARNER INC COM 887315109 145 2,000 SH SOLE 2 2,000
TOTAL SYSTEM SERVICE COM 891906109 5,589 294,149 SH DEFINED 1 1,750 286,999 5,400
TOTAL SYSTEM SERVICE COM 891906109 20,368 1,072,003 SH SOLE 1 1,034,453 37,550
TRICON GLOBAL RESTAU COM 895953107 2 30 SH DEFINED 30
TRICON GLOBAL RESTAU COM 895953107 215 3,980 SH SOLE 3,980
TYCO INTERNATIONAL L COM 902124106 208 2,200 SH DEFINED 2 2,200
TYCO INTERNATIONAL L COM 902124106 265 2,800 SH SOLE 2 2,800
UNION PLANTERS CORP COM 908068109 275 6,150 SH SOLE 1 6,150
UNIPHASE CORPORATION COM 909149106 332 2,000 SH SOLE 1 2,000
UNITED HEALTHCARE CO COM 910581107 6 96 SH DEFINED 1 96
UNITED HEALTHCARE CO COM 910581107 2,384 38,060 SH SOLE 1 37,500 560
U S WEST INCORPORATE COM 91273H101 204 3,465 SH DEFINED 1 2,465 1,000
U S WEST INCORPORATE COM 91273H101 161 2,748 SH SOLE 1 2,748
UNITED TECHNOLOGIES COM 913017109 259 3,600 SH SOLE 3,600
VANGUARD BOND INDEX COM 921937108 187 19,086 SH DEFINED 1 19,086
VANGUARD FIXED SECUR COM 922031307 144 14,267 SH DEFINED 1 9,152 2,949 2,165
VANGUARD FIXED SECUR COM 922031307 460 45,722 SH DEFINED 2 9,042 36,679
VANGUARD FIXED SECUR COM 922031307 1,746 173,407 SH SOLE 1 163,343 1,913 8,149
VANGUARD FIXED SECUR COM 922031307 2,644 262,537 SH SOLE 2 257,273 5,263
VANGUARD FIXED INCOM COM 922031406 196 18,438 SH DEFINED 1 18,438
VANGUARD FIXED INCOM COM 922031406 22 2,055 SH SOLE 1 2,055
VANGUARD MUNICIPAL B COM 922907209 1,803 138,604 SH SOLE 1 138,604
VLASSIC FOODS INTERN COM 928559103 73 10,000 SH DEFINED 1 10,000
VODAFONE GROUP PUBLI COM 92857T107 690 3,500 SH SOLE 1 3,500
WACHOVIA CORPORATION COM 929771103 599 7,006 SH DEFINED 1 672 6,334
WACHOVIA CORPORATION COM 929771103 5,974 69,818 SH SOLE 1 69,818
WAL-MART STORES, INC COM 931142103 696 14,421 SH DEFINED 1 6,000 8,421
WAL-MART STORES, INC COM 931142103 164 3,400 SH DEFINED 2 3,400
WAL-MART STORES, INC COM 931142103 2,027 42,003 SH SOLE 1 42,003
WAL-MART STORES, INC COM 931142103 725 15,018 SH SOLE 15,018
WAL-MART STORES, INC COM 931142103 2,654 55,012 SH SOLE 2 55,012
WALGREEN COMPANY COM 931422109 176 6,000 SH DEFINED 2 6,000
WALGREEN COMPANY COM 931422109 306 10,420 SH SOLE 2 10,420
WARBURG PINCUS GLOBA COM 933907107 131 12,655 SH DEFINED 1 12,655
WARNER LAMBERT CO COM 934488107 41 600 SH DEFINED 1 600
WARNER LAMBERT CO COM 934488107 1,325 19,171 SH SOLE 1 19,171
WARNER LAMBERT CO COM 934488107 651 9,420 SH SOLE 9,420
WARNER LAMBERT CO COM 934488107 771 11,152 SH SOLE 2 11,152
WASTE MANAGEMENT INC COM 94106L109 336 6,257 SH SOLE 1 6,257
WELLS FARGO & COMPAN COM 949746101 257 6,000 SH DEFINED 1 400 3,600 2,000
WELLS FARGO & COMPAN COM 949746101 222 5,190 SH SOLE 1 5,190
WELLS FARGO & COMPAN COM 949746101 282 6,600 SH SOLE 6,600
WILLIAMS COMPANIES I COM 969457100 68 1,600 SH DEFINED 2 1,600
WILLIAMS COMPANIES I COM 969457100 140 3,300 SH SOLE 2 3,300
WINN-DIXIE STORES, I COM 974280109 1,610 43,596 SH DEFINED 2 43,596
WINN-DIXIE STORES, I COM 974280109 1,200 32,490 SH SOLE 1 32,490
WINN-DIXIE STORES, I COM 974280109 2,260 61,186 SH SOLE 2 61,186
WISCONSIN ENERGY COR COM 976657106 212 8,450 SH SOLE 1 8,450
XEROX CORP COM 984121103 19 320 SH DEFINED 1 320
XEROX CORP COM 984121103 4,694 79,477 SH SOLE 1 78,847 630
</TABLE>
