SYNOVUS FINANCIAL CORP
13F-HR, 1999-10-13
NATIONAL COMMERCIAL BANKS
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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 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                           10/12/1999
[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:                       532

Form 13F Information Table Value Total:                       $1,840,764
                                                              (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>
ITEM 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>
ABBOTT LABS        COM   002824100     125      3,400   SH           DEFINED      1           3,400
ABBOTT LABS        COM   002824100     503     13,700   SH           SOLE                    13,700
ABBOTT LABS        COM   002824100     319      8,690   SH           SOLE         1           8,690
AEGON N V AEG      COM   007924103     246      2,842   SH           SOLE                     2,842
AFLAC, INCORP      COM   001055102   3,839     91,682   SH           DEFINED      1          14,624    77,058
AFLAC, INCORP      COM   001055102  17,056    407,315   SH           SOLE         1         406,395                     920
AIM FDS GROUP      COM   008879777      81     10,021   SH           SOLE         1          10,021
AIR PRODUCTS       COM   009158106       6        200   SH           DEFINED      1                       200
AIR PRODUCTS       COM   009158106   1,092     37,334   SH           SOLE         1          37,094                     240
ALCOA INC          COM   013817101     221      3,553   SH           DEFINED      1                     1,153         2,400
ALCOA INC          COM   013817101     308      4,970   SH           SOLE         1           4,970
ALLIED SIGNAL      COM   019512102      17        280   SH           DEFINED      1                       280
ALLIED SIGNAL      COM   019512102     240      4,000   SH           DEFINED      2           4,000
ALLIED SIGNAL      COM   019512102     317      5,290   SH           SOLE                     5,290
ALLIED SIGNAL      COM   019512102   3,570     59,555   SH           SOLE         1          58,685                     870
ALLSTATE CORP      COM   020002101     252     10,106   SH           SOLE                    10,106
ALLTEL CORPOR      COM   020039103     408      5,796   SH           SOLE                     5,796
ALLTEL CORPOR      COM   020039103     511      7,260   SH           SOLE         1           6,940                     320
AMERICA ONLIN      COM   02364J104      23        220   SH           DEFINED      1                                     220
AMERICA ONLIN      COM   02364J104     328      3,152   SH           SOLE         1           2,152                   1,000
AMERICAN BOND      COM   097873103     190     14,598   SH           SOLE                    14,598
AMERICAN EXPR      COM   025816109     466      3,450   SH           DEFINED      1           1,100       800         1,550
AMERICAN EXPR      COM   025816109     314      2,324   SH           SOLE         1           2,324
AMERICAN HIGH      COM   026547109     343     25,332   SH           SOLE                    25,332
AMERICAN HOME      COM   026609107     167      4,030   SH           DEFINED      1                     4,030
AMERICAN HOME      COM   026609107     346      8,334   SH           SOLE                     8,334
AMERICAN HOME      COM   026609107   4,247    102,341   SH           SOLE         1         101,611                     730
AMERICAN HOME      COM   026609107     232      5,600   SH           SOLE         2           5,600
AMERITECH COR      COM   030954101       8        120   SH           DEFINED                              120
AMERITECH COR      COM   030954101     347      5,200   SH           DEFINED      1           4,000     1,200
AMERITECH COR      COM   030954101   3,072     46,020   SH           SOLE         1          43,720                   2,300
AMERITECH COR      COM   030954101     222      3,320   SH           SOLE         2           3,320
AMGEN INC          COM   031162100     489      6,000   SH           DEFINED      1           6,000
AMGEN INC          COM   031162100     369      4,530   SH           SOLE                     4,530
AMGEN INC          COM   031162100     431      5,288   SH           SOLE         1           5,288
ANHEUSER BUSC      COM   035229103     280      4,000   SH           DEFINED      1           4,000
ANHEUSER BUSC      COM   035229103     163      2,320   SH           SOLE         1           2,320
ANHEUSER BUSC      COM   035229103     280      4,000   SH           SOLE         2           4,000
APPLIED MATER      COM   038222105   2,175     27,995   SH           SOLE         1          27,995
ARCHER-DANIEL      COM   039483102     243     20,048   SH           DEFINED      1          20,048
ARCHER-DANIEL      COM   039483102      44      3,658   SH           SOLE         1           3,658
AT&T CORP          COM   001957109      71      1,635   SH           DEFINED                  1,350       285
AT&T CORP          COM   001957109     674     15,501   SH           DEFINED      1          13,317     2,184
AT&T CORP          COM   001957109      59      1,350   SH           DEFINED      2             450       900
AT&T CORP          COM   001957109     710     16,327   SH           SOLE                    16,327
AT&T CORP          COM   001957109   3,484     80,101   SH           SOLE         1          80,101
AT&T CORP          COM   001957109     600     13,791   SH           SOLE         2          13,791
ATLANTIC RICH      COM   048825103     124      1,400   SH           DEFINED      1                     1,400
ATLANTIC RICH      COM   048825103     186      2,100   SH           DEFINED      2           1,500       600
ATLANTIC RICH      COM   048825103   3,305     37,293   SH           SOLE         1          37,293
ATLANTIC RICH      COM   048825103      71        800   SH           SOLE         2             800
AUTOMATIC DAT      COM   053015103     196      4,400   SH           DEFINED      1                                   4,400
AUTOMATIC DAT      COM   053015103     431      9,664   SH           SOLE         1           9,664
BANK OF AMERI      COM   060505104       6        112   SH           DEFINED                              112
BANK OF AMERI      COM   060505104     199      3,581   SH           DEFINED      1             168     1,886         1,527
BANK OF AMERI      COM   060505104     782     14,049   SH           DEFINED      2             840    13,209
BANK OF AMERI      COM   060505104   2,863     51,406   SH           SOLE                    51,406
BANK OF AMERI      COM   060505104   4,885     87,715   SH           SOLE         1          84,975                   2,740
BANK OF AMERI      COM   060505104   1,382     24,814   SH           SOLE         2          24,814
BANK ONE CORP      COM   06423A103      74      2,133   SH           DEFINED      1             275     1,858
BANK ONE CORP      COM   06423A103   2,043     58,687   SH           SOLE         1          58,467                     220
BAXLEY FEDERA      COM   07177P106     383     21,250   SH           SOLE         1          21,250
BELL ATLANTIC      COM   077853109     118      1,748   SH           DEFINED                  1,600       148
BELL ATLANTIC      COM   077853109     530      7,878   SH           DEFINED      1           6,672     1,206
BELL ATLANTIC      COM   077853109      76      1,136   SH           DEFINED      2             800       336
BELL ATLANTIC      COM   077853109     548      8,147   SH           SOLE                     8,147
BELL ATLANTIC      COM   077853109   2,770     41,158   SH           SOLE         1          41,158
BELL ATLANTIC      COM   077853109   1,081     16,058   SH           SOLE         2          16,058
BELLSOUTH COR      COM   079860102     171      3,792   SH           DEFINED                  2,400     1,392
BELLSOUTH COR      COM   079860102   1,245     27,657   SH           DEFINED      1           5,691    18,542         3,424
BELLSOUTH COR      COM   079860102     795     17,670   SH           DEFINED      2          16,770       900
BELLSOUTH COR      COM   079860102     776     17,238   SH           SOLE                    17,238
BELLSOUTH COR      COM   079860102   8,349    185,523   SH           SOLE         1         179,681                   5,842
BELLSOUTH COR      COM   079860102   3,136     69,698   SH           SOLE         2          69,698
BERKSHIRE HAT      COM   084670108   1,176         21   SH           SOLE         1              21
BESTFOODS INC      COM   08658U101     136      2,800   SH           DEFINED      2           2,800
BESTFOODS INC      COM   08658U101   3,417     70,353   SH           SOLE         1          67,703                   2,650
BESTFOODS INC      COM   08658U101     389      8,000   SH           SOLE         2           8,000
BLACKROCK 199      COM   09247T100      95      9,450   SH           DEFINED      1           5,500     3,950
BLACKROCK 199      COM   09247T100     570     56,668   SH           SOLE         1          55,668                   1,000
BLACKROCK BRO      COM   09247Q106     206     17,825   SH           DEFINED      1                    17,825
BLACKROCK COR      COM   091928747     359     38,519   SH           SOLE                    38,519
BP AMOCO PLC       COM   055622104     455      4,109   SH           DEFINED      1             250     2,295         1,564
BP AMOCO PLC       COM   055622104     447      4,035   SH           DEFINED      2           4,035
BP AMOCO PLC       COM   055622104     229      2,067   SH           SOLE                     2,067
BP AMOCO PLC       COM   055622104   2,454     22,145   SH           SOLE         1          17,867                   4,278
BP AMOCO PLC       COM   055622104     286      2,579   SH           SOLE         2           2,579
BRISTOL-MYERS      COM   110122108   1,004     14,878   SH           DEFINED      1           5,050     7,028         2,800
BRISTOL-MYERS      COM   110122108     108      1,600   SH           DEFINED      2             800       800
BRISTOL-MYERS      COM   110122108   2,268     33,602   SH           SOLE                    33,602
BRISTOL-MYERS      COM   110122108   5,863     86,853   SH           SOLE         1          85,533       700           620
BRISTOL-MYERS      COM   110122108   2,091     30,980   SH           SOLE         2          30,980
BUILDING MATE      COM   120113105     100     10,000   SH           DEFINED      1          10,000
BUTLER FIFTH       COM   056010309   8,144    169,769   SH           SOLE         1         169,769
CARNIVAL CORP      COM   143658102     296      6,800   SH           DEFINED      2           6,800
CARNIVAL CORP      COM   143658102     167      3,850   SH           SOLE         2           3,850
CAROLINA POWE      COM   144141108     163      4,600   SH           DEFINED      1                     4,600
CAROLINA POWE      COM   144141108     212      6,000   SH           SOLE         1           6,000
CATERPILLAR,       COM   149123101     262      4,780   SH           DEFINED      1           1,180                   3,600
CATERPILLAR,       COM   149123101      42        775   SH           SOLE         1             775
CBS CORPORATI      COM   12490K107     370      8,000   SH           DEFINED      1           8,000
CBS CORPORATI      COM   12490K107      15        325   SH           SOLE         1             325
CENTURY SOUTH      COM   156683104     269     11,689   SH           SOLE         1          11,689
CHEVRON CORPO      COM   166751107     471      5,310   SH           DEFINED      1           2,622     1,788           900
CHEVRON CORPO      COM   166751107     257      2,900   SH           DEFINED      2           2,900
CHEVRON CORPO      COM   166751107     240      2,705   SH           SOLE                     2,705
CHEVRON CORPO      COM   166751107   3,954     44,550   SH           SOLE         1          44,255                     295
CHEVRON CORPO      COM   166751107   1,464     16,492   SH           SOLE         2          16,492
CHUBB CORPORA      COM   171232101   4,171     84,044   SH           DEFINED      1                     1,744        82,300
CHUBB CORPORA      COM   171232101   2,254     45,429   SH           SOLE         1          45,269                     160
CISCO SYSTEMS      COM   17275R102     254      3,700   SH           DEFINED      1                                   3,700
CISCO SYSTEMS      COM   17275R102     206      3,000   SH           DEFINED      2           3,000
CISCO SYSTEMS      COM   17275R102   1,520     22,176   SH           SOLE                    22,176
CISCO SYSTEMS      COM   17275R102   1,041     15,186   SH           SOLE         1          14,186                   1,000
CISCO SYSTEMS      COM   17275R102     278      4,050   SH           SOLE         2           4,050
CITIGROUP INC      COM   172967101     391      8,881   SH           DEFINED      1           7,800     1,081
CITIGROUP INC      COM   172967101     277      6,305   SH           SOLE                     6,305
CITIGROUP INC      COM   172967101     148      3,357   SH           SOLE         1           2,607                     750
CLOROX COMPAN      COM   189054109      23        596   SH           DEFINED      1                                     596
CLOROX COMPAN      COM   189054109     260      6,800   SH           SOLE         1           6,800
COASTAL CORPO      COM   190441105   1,538     37,570   SH           SOLE         1          37,570
COCA COLA COM      COM   191216100  22,314    462,466   SH           DEFINED      1          41,291   413,184         7,991
COCA COLA COM      COM   191216100   6,051    125,400   SH           DEFINED      2         125,400
COCA COLA COM      COM   191216100     499     10,335   SH           SOLE                    10,335
COCA COLA COM      COM   191216100 424,870  8,805,595   SH           SOLE         1       8,762,738                  42,857
COCA COLA COM      COM   191216100 112,452  2,330,609   SH           SOLE         2       2,229,449                 101,160
COCA-COLA ENT      COM   191219104     201      8,900   SH           DEFINED      2           8,900
COCA-COLA ENT      COM   191219104      38      1,700   SH           SOLE         2           1,700
COLGATE-PALMO      COM   194162103     176      3,840   SH           DEFINED      2           3,840
COLGATE-PALMO      COM   194162103     325      7,095   SH           SOLE                     7,095
COLGATE-PALMO      COM   194162103   2,232     48,776   SH           SOLE         1          48,776
COLGATE-PALMO      COM   194162103     101      2,200   SH           SOLE         2           2,200
COLUMBIA/HCA       COM   197677107   1,280     60,402   SH           SOLE         1          58,716                   1,686
COMPAQ COMPUT      COM   204493100      87      3,800   SH           DEFINED      1                       300         3,500
COMPAQ COMPUT      COM   204493100   3,844    168,023   SH           SOLE         1         166,340                   1,683
CONAGRA, INC.      COM   205887102   2,179     96,555   SH           SOLE         1          96,555
CONOCO INCORP      COM   208251306     278     10,000   SH           DEFINED      1          10,000
COUSINS PROPE      COM   222795106     475     14,000   SH           SOLE         1          14,000
CSX CORP           COM   126408103      42      1,000   SH           DEFINED      1                     1,000
CSX CORP           COM   126408103     182      4,304   SH           SOLE         1           4,304
CUSTOM CAR CA      COM   126990100       0     20,000   SH           SOLE         1          20,000
DARDEN RESTAU      COM   237194105     326     16,680   SH           DEFINED      1                    16,680
DARDEN RESTAU      COM   237194105     686     35,082   SH           SOLE         1          35,082
DAYTON HUDSON      COM   239753106      12        200   SH           DEFINED      1                       200
DAYTON HUDSON      COM   239753106     180      3,000   SH           DEFINED      2           3,000
DAYTON HUDSON      COM   239753106     317      5,275   SH           SOLE                     5,275
DAYTON HUDSON      COM   239753106   4,165     69,348   SH           SOLE         1          68,388                     960
DAYTON HUDSON      COM   239753106      42        700   SH           SOLE         2             700
DEERE AND CO       COM   244199105     312      8,058   SH           SOLE         1           8,058
DEVELOPERS-IN      COM   232990AA9     456    450,000   SH           SOLE         1
DOW CHEMICAL       COM   260543103      68        600   SH           DEFINED      1                                     600
DOW CHEMICAL       COM   260543103     174      1,527   SH           SOLE         1           1,527
DREYFUS MUN M      COM   26201S100      15     15,000   SH           SOLE                    15,000
DUKE ENERGY C      COM   264399106      11        200   SH           DEFINED                              200
DUKE ENERGY C      COM   264399106     587     10,650   SH           DEFINED      1           2,000     8,650
DUKE ENERGY C      COM   264399106      22        400   SH           DEFINED      2                       400
DUKE ENERGY C      COM   264399106     501      9,086   SH           SOLE                     9,086
DUKE ENERGY C      COM   264399106     168      3,043   SH           SOLE         1           2,543                     500
DUKE ENERGY C      COM   264399106     243      4,400   SH           SOLE         2           4,400
E. I. DUPONT       COM   263534109     938     15,512   SH           DEFINED      1           7,292     5,420         2,800
E. I. DUPONT       COM   263534109     212      3,500   SH           DEFINED      2           2,000     1,500
E. I. DUPONT       COM   263534109   2,844     47,009   SH           SOLE                    47,009
E. I. DUPONT       COM   263534109   2,094     34,616   SH           SOLE         1          34,351                     265
E. I. DUPONT       COM   263534109     248      4,100   SH           SOLE         2           4,100
EARTH SCIENCE      COM   270312200       3     10,000   SH           SOLE         1          10,000
EASTMAN KODAK      COM   277461109     380      5,020   SH           DEFINED      1           4,000       300           720
EASTMAN KODAK      COM   277461109     274      3,619   SH           SOLE         1           2,915                     704
EATON VANCE M      COM   27826L843      97     10,195   SH           SOLE         1          10,195
EDISON INTERN      COM   281020107      19        800   SH           DEFINED      2             800
EDISON INTERN      COM   281020107     384     15,785   SH           SOLE         2          15,785
ELECTRONIC DA      COM   285661104   2,408     45,490   SH           SOLE         1          42,265                   3,225
EMC CORP           COM   268648102     214      3,000   SH           DEFINED      2           3,000
EMC CORP           COM   268648102     428      6,000   SH           SOLE         2           6,000
EMERSON ELECT      COM   291011104      25        400   SH           DEFINED      1                       400
EMERSON ELECT      COM   291011104   3,827     60,571   SH           SOLE         1          60,311                     260
ENRON CORPORA      COM   293561106   2,206     53,729   SH           SOLE                    53,729
EQUIFAX, INCO      COM   294429105     281     10,000   SH           DEFINED      1           6,000                   4,000
EQUIFAX, INCO      COM   294429105     124      4,400   SH           SOLE         1           4,400
EXXON CORPORA      COM   302290101      17        225   SH           DEFINED                              225
EXXON CORPORA      COM   302290101   1,082     14,239   SH           DEFINED      1           3,095     7,016         4,128
EXXON CORPORA      COM   302290101     743      9,776   SH           DEFINED      2           9,376       400
EXXON CORPORA      COM   302290101     144      1,900   SH           DEFINED                            1,900
EXXON CORPORA      COM   302290101   4,048     53,259   SH           SOLE                    53,259
EXXON CORPORA      COM   302290101   7,555     99,405   SH           SOLE         1          95,515                   3,890
EXXON CORPORA      COM   302290101   2,582     33,978   SH           SOLE         2          33,978
EXXON CORPORA      COM   302290101     109      1,428   SH           SOLE                     1,428
FEDERAL NATIO      COM   313586109      73      1,160   SH           DEFINED      1                     1,160
FEDERAL NATIO      COM   313586109     298      4,750   SH           DEFINED      2           4,300       450
FEDERAL NATIO      COM   313586109     226      3,600   SH           SOLE                     3,600
FEDERAL NATIO      COM   313586109   3,870     61,736   SH           SOLE         1          61,486                     250
FEDERAL NATIO      COM   313586109     132      2,100   SH           SOLE         2           2,100
FEDERATED FUN      COM   31428M100     160     15,368   SH           DEFINED      1                    15,368
FEDERATED FUN      COM   31428P103     108     10,299   SH           DEFINED      1                    10,299
FEDERATED FUN      COM   31428M100     191     18,406   SH           SOLE         1          17,889                     516
FEDERATED FUN      COM   31428P103     543     51,540   SH           SOLE         1          51,540
FEDERATED GNM      COM   314184102     107      9,829   SH           DEFINED      1           2,770     7,059
FEDERATED GNM      COM   314184102      41      3,738   SH           SOLE         1           3,738
FEDERATED HIG      COM   314197104     129     15,492   SH           SOLE                    15,492
FEDERATED HIG      COM   314197104   1,225    147,271   SH           SOLE         1         133,775    13,495
FEDERATED INC      COM   314199100     323     32,310   SH           SOLE                    32,310
FEDERATED SHO      COM   31420C209     158     18,422   SH           DEFINED      1                    18,422
FEDERATED SHO      COM   31420C209     459     53,444   SH           SOLE         1          53,444
FIDELITY GOVE      COM   316172105     152     15,934   SH           SOLE                    15,934
FIDELITY GOVE      COM   31617K105     138     13,133   SH           SOLE         1          13,133
FIDELITY INCO      COM   31617K204     114     10,894   SH           DEFINED      1          10,894
FIDELITY INST      COM   315809400      16      1,711   SH           DEFINED      1           1,711
FIDELITY INST      COM   315809400   2,359    256,990   SH           SOLE         1         253,902     1,539         1,549
FIDELITY INTE      COM   31617K303     147     15,561   SH           DEFINED      1          11,442     4,119
FIDELITY U.S.      COM   315911107     143     13,803   SH           DEFINED      1          13,803
FIDELITY U.S.      COM   315911107       0          0   SH           SOLE         1
FIRST SOUTHEA      COM   303999106       0     12,108   SH           SOLE         1          12,108
FIRST TENNESS      COM   337162101     555     19,744   SH           DEFINED      1                    19,744
FIRST UNION C      COM   337358105     432     12,125   SH           DEFINED      1                    12,125
FIRST UNION C      COM   337358105     735     20,643   SH           SOLE         1          20,643
FLEET FINANCI      COM   338915101      33        900   SH           DEFINED      1                       900
FLEET FINANCI      COM   338915101   3,397     92,761   SH           SOLE         1          92,761
FLOWERS INDUS      COM   343496105     153     11,300   SH           DEFINED      1                                  11,300
FLOWERS INDUS      COM   343496105     898     66,214   SH           SOLE         1          66,214
FORD MOTOR CO      COM   345370100     113      2,256   SH           DEFINED      1                     2,256
FORD MOTOR CO      COM   345370100   3,731     74,245   SH           SOLE         1          73,615                     630
FRANKLIN CUST      COM   353496300      22      9,882   SH           DEFINED      1           9,882
FRANKLIN CUST      COM   353496607      81     12,228   SH           DEFINED      1           2,366     9,861
FRANKLIN CUST      COM   353496300      22      9,944   SH           SOLE         1           9,944
FRANKLIN CUST      COM   353496607      62      9,410   SH           SOLE         1           7,552                   1,858
GANNETT COMPA      COM   364730101     294      4,255   SH           SOLE         1           4,255
GENERAL ELECT      COM   369604103     107        900   SH           DEFINED                    800       100
GENERAL ELECT      COM   369604103   3,897     32,871   SH           DEFINED      1           7,050    13,901        11,920
GENERAL ELECT      COM   369604103   1,518     12,800   SH           DEFINED      2           9,400     3,400
GENERAL ELECT      COM   369604103   4,425     37,322   SH           SOLE                    37,322
GENERAL ELECT      COM   369604103  15,374    129,669   SH           SOLE         1         122,954                   6,715
GENERAL ELECT      COM   369604103   6,637     55,980   SH           SOLE         2          55,980
GENERAL MILLS      COM   370334104   1,888     23,272   SH           DEFINED      1                    23,272
GENERAL MILLS      COM   370334104   5,391     66,457   SH           SOLE         1          66,457
GENERAL MOTOR      COM   370442105     223      3,542   SH           SOLE                     3,542
GENUINE PARTS      COM   372460105     117      4,386   SH           DEFINED      1           1,686     2,700
GENUINE PARTS      COM   372460105   1,244     46,822   SH           SOLE         1          46,822
GEORGIA PACIF      COM   373298108      57      1,404   SH           DEFINED                  1,404
GEORGIA PACIF      COM   373298108     606     14,984   SH           SOLE                    14,984
GILLETTE CO        COM   375766102     408     12,025   SH           DEFINED      1                     8,825         3,200
GILLETTE CO        COM   375766102     244      7,200   SH           DEFINED      2           7,200
GILLETTE CO        COM   375766102     312      9,192   SH           SOLE         1           7,849                   1,343
GILLETTE CO        COM   375766102     234      6,890   SH           SOLE         2           6,890
GPU INCORPORA      COM   36225X100   1,541     47,240   SH           SOLE         1          47,240
GTE CORPORATI      COM   362320103      46        600   SH           DEFINED                    600
GTE CORPORATI      COM   362320103     393      5,108   SH           DEFINED      1           1,822     3,181           105
GTE CORPORATI      COM   362320103      46        600   SH           DEFINED      2             400       200
GTE CORPORATI      COM   362320103     387      5,029   SH           SOLE                     5,029
GTE CORPORATI      COM   362320103  10,586    137,706   SH           SOLE         1         136,353       400           953
GTE CORPORATI      COM   362320103     369      4,800   SH           SOLE         2           4,800
H J HEINZ COM      COM   423074103     224      5,200   SH           DEFINED      1           1,500     3,700
H J HEINZ COM      COM   423074103     113      2,625   SH           SOLE         1           2,625
H J HEINZ COM      COM   423074103     318      7,400   SH           SOLE         2           7,400
HALLIBURTON C      COM   406216101      66      1,600   SH           DEFINED      1                                   1,600
HALLIBURTON C      COM   406216101     317      7,727   SH           SOLE         1           7,727
HERSHEY FOODS      COM   427866108     263      5,400   SH           SOLE         1           5,400
HEWLETT PACKA      COM   428236103     388      4,274   SH           DEFINED      1             257     1,017         3,000
HEWLETT PACKA      COM   428236103      73        800   SH           DEFINED      2             800
HEWLETT PACKA      COM   428236103   1,011     11,145   SH           SOLE                    11,145
HEWLETT PACKA      COM   428236103   5,156     56,811   SH           SOLE         1          56,331                     480
HEWLETT PACKA      COM   428236103     345      3,800   SH           SOLE         2           3,800
HOME DEPOT IN      COM   437076102     288      4,191   SH           DEFINED      1           1,580     1,457         1,154
HOME DEPOT IN      COM   437076102     519      7,560   SH           DEFINED      2           7,300       260
HOME DEPOT IN      COM   437076102   1,024     14,921   SH           SOLE                    14,921
HOME DEPOT IN      COM   437076102   6,118     89,145   SH           SOLE         1          87,711                   1,434
HOME DEPOT IN      COM   437076102     231      3,367   SH           SOLE         2           3,367
HOST MARRIOTT      COM   44107P104     134     14,130   SH           SOLE         1          14,130
HUMANA, INCOR      COM   444859102     346     50,397   SH           SOLE         1          50,397
ILLINOIS TOOL      COM   452308109     259      3,470   SH           SOLE                     3,470
ILLINOIS TOOL      COM   452308109   2,854     38,275   SH           SOLE         1          37,985                     290
IMPERIAL SUGA      COM   453096109      61     10,000   SH           DEFINED      1          10,000
INTEL CORPORA      COM   458140100      45        600   SH           DEFINED                              600
INTEL CORPORA      COM   458140100     660      8,878   SH           DEFINED      1             240     5,100         3,538
INTEL CORPORA      COM   458140100     758     10,200   SH           DEFINED      2          10,200
INTEL CORPORA      COM   458140100   1,240     16,690   SH           SOLE                    16,690
INTEL CORPORA      COM   458140100   6,980     93,921   SH           SOLE         1          88,001                   5,920
INTEL CORPORA      COM   458140100   2,348     31,600   SH           SOLE         2          30,400                   1,200
INTERNATIONAL      COM   459200101     630      5,204   SH           DEFINED      1           1,200     1,076         2,928
INTERNATIONAL      COM   460146103     405      8,426   SH           DEFINED      1           7,426     1,000
INTERNATIONAL      COM   459200101     314      2,593   SH           DEFINED      2           2,593
INTERNATIONAL      COM   459200101   5,248     43,373   SH           SOLE         1          41,071                   2,302
INTERNATIONAL      COM   460146103     100      2,089   SH           SOLE         1           2,089
INTERNATIONAL      COM   459200101     103        854   SH           SOLE         2             854
INTUIT INC         COM   461202103     526      6,000   SH           DEFINED      1           6,000
J. P. MORGAN       COM   616880100     171      1,500   SH           DEFINED      1           1,500
J. P. MORGAN       COM   616880100     213      1,860   SH           SOLE         1           1,860
JANUS FLEXIBL      COM   471023606     112     11,966   SH           DEFINED      1           6,084     5,881
JDS UNIPHASE       COM   46612J101     228      2,000   SH           SOLE         1           2,000
JEFFERSON-PIL      COM   475070108      10        165   SH           DEFINED                              165
JEFFERSON-PIL      COM   475070108     411      6,510   SH           SOLE                     6,510
JOHNSON & JOH      COM   478160104     535      5,819   SH           DEFINED      1             150     5,669
JOHNSON & JOH      COM   478160104     781      8,505   SH           SOLE                     8,505
JOHNSON & JOH      COM   478160104   6,861     74,680   SH           SOLE         1          74,680
KELLOGG COMPA      COM   487836108   1,237     33,040   SH           SOLE         1          33,040
KEMPER INSURE      COM   487903239      24     94,636   SH           SOLE         1          94,636
KEMPER INSURE      COM   487903312      14     20,262   SH           SOLE         1          20,262
KIMBERLY CLAR      COM   494368103      31        590   SH           DEFINED      1             190       400
KIMBERLY CLAR      COM   494368103     127      2,400   SH           DEFINED      2           2,000       400
KIMBERLY CLAR      COM   494368103   4,101     77,750   SH           SOLE         1          77,350                     400
KIMBERLY CLAR      COM   494368103     127      2,400   SH           SOLE         2           2,400
LEXINGTON RAM      COM   529534109     160     16,927   SH           DEFINED      1          16,927
LILLY, ELI &       COM   532457108      26        400   SH           DEFINED      2             400
LILLY, ELI &       COM   532457108     578      9,005   SH           SOLE                     9,005
LILLY, ELI &       COM   532457108     193      3,000   SH           SOLE         2           1,900                   1,100
LOUISIANA PAC      COM   546347105      14        900   SH           DEFINED                    900
LOUISIANA PAC      COM   546347105     254     16,278   SH           SOLE                    16,278
LOWES COMPANI      COM   548661107      10        200   SH           DEFINED      1                       200
LOWES COMPANI      COM   548661107   3,507     71,948   SH           SOLE         1          70,978                     970
LUCENT TECHNO      COM   549463107      91      1,408   SH           DEFINED                  1,164       244
LUCENT TECHNO      COM   549463107   1,590     24,508   SH           DEFINED      1          20,000     2,388         2,120
LUCENT TECHNO      COM   549463107     155      2,388   SH           DEFINED      2           2,388
LUCENT TECHNO      COM   549463107     794     12,242   SH           SOLE                    12,242
LUCENT TECHNO      COM   549463107   1,320     20,353   SH           SOLE         1          20,353
LUCENT TECHNO      COM   549463107     576      8,886   SH           SOLE         2           8,886
MARRIOTT INTE      COM   571903202   3,011     92,123   SH           SOLE         1          92,123
MCDONALDS COR      COM   580135101     346      8,000   SH           DEFINED      1           8,000
MCDONALDS COR      COM   580135101     430      9,940   SH           SOLE         1           9,340                     600
MCDONALDS COR      COM   580135101     493     11,400   SH           SOLE         2          11,400
MCGRAW HILL C      COM   580645109   1,133     23,417   SH           SOLE         1          21,787                   1,630
MCI WORLDCOM       COM   55268B106      22        305   SH           DEFINED      1                       305
MCI WORLDCOM       COM   55268B106     392      5,447   SH           SOLE         1           4,947                     500
MEDIAONE GROU      COM   58440J104     164      2,400   SH           DEFINED      1           2,400
MEDIAONE GROU      COM   58440J104      96      1,408   SH           SOLE         1           1,408
MEDTRONIC INC      COM   585055106     356     10,000   SH           DEFINED      2          10,000
MEDTRONIC INC      COM   585055106   3,550     99,810   SH           SOLE         1          98,540                   1,270
MEDTRONIC INC      COM   585055106     234      6,580   SH           SOLE         2           6,580
MERCK & CO.,       COM   589331107   2,194     33,852   SH           DEFINED      1           9,056     5,416        19,380
MERCK & CO.,       COM   589331107     425      6,550   SH           DEFINED      2           6,200       350
MERCK & CO.,       COM   589331107   1,439     22,205   SH           SOLE                    22,205
MERCK & CO.,       COM   589331107   7,106    109,637   SH           SOLE         1         107,097                   2,540
MERCK & CO.,       COM   589331107   2,709     41,801   SH           SOLE         2          41,801
MFS GEORGIA M      COM   55273N756     263     25,427   SH           SOLE         1          25,427
MICROSOFT COR      COM   594918104     250      2,760   SH           DEFINED      1           2,700                      60
MICROSOFT COR      COM   594918104     199      2,200   SH           DEFINED      2           2,200
MICROSOFT COR      COM   594918104   1,622     17,905   SH           SOLE                    17,905
MICROSOFT COR      COM   594918104   2,378     26,260   SH           SOLE         1          20,274                   5,986
MICROSOFT COR      COM   594918104   1,141     12,600   SH           SOLE         2          12,600
MINNESOTA MIN      COM   604059105     269      2,800   SH           DEFINED      1           2,000       800
MINNESOTA MIN      COM   604059105     347      3,613   SH           SOLE                     3,613
MINNESOTA MIN      COM   604059105   1,077     11,216   SH           SOLE         1          11,216
MOBIL CORP         COM   607059102     198      1,964   SH           DEFINED      1                       400         1,564
MOBIL CORP         COM   607059102     141      1,400   SH           DEFINED      2             800       600
MOBIL CORP         COM   607059102   1,872     18,580   SH           SOLE                    18,580
MOBIL CORP         COM   607059102   3,628     36,009   SH           SOLE         1          35,574                     435
MOBIL CORP         COM   607059102   1,179     11,700   SH           SOLE         2          11,700
MONSANTO CO.       COM   611662107     357     10,000   SH           SOLE                    10,000
MORGAN STANLE      COM   617446448     526      5,902   SH           SOLE                     5,902
MOTOROLA, INC      COM   620076109     238      2,700   SH           DEFINED      2           2,700
MOTOROLA, INC      COM   620076109   5,220     59,321   SH           SOLE         1          58,971                     350
MOTOROLA, INC      COM   620076109      69        789   SH           SOLE         2             789
NATIONAL DEPE      COM   629005109       0    282,992   SH           SOLE         1         282,992
NORFOLK SOUTH      COM   655844108     306     12,500   SH           DEFINED      1                     5,400         7,100
NORFOLK SOUTH      COM   655844108     997     40,688   SH           SOLE                    40,688
NORFOLK SOUTH      COM   655844108     636     25,970   SH           SOLE         1          25,970
NUVEEN FLAGSH      COM   67065P600     147     14,055   SH           SOLE         1          14,055
NUVEEN GEORGI      COM   67060F102     165     11,206   SH           SOLE         1          11,206
NUVEEN PERFOR      COM   67062P108     258     20,019   SH           SOLE         1          20,019
OMNICOM GROUP      COM   681919106     222      2,800   SH           DEFINED      2           2,800
OMNICOM GROUP      COM   681919106      63        800   SH           SOLE         2             800
ORACLE CORPOR      COM   68389X105     813     17,876   SH           DEFINED      1          12,210     1,919         3,747
ORACLE CORPOR      COM   68389X105     272      5,970   SH           SOLE                     5,970
ORACLE CORPOR      COM   68389X105   7,111    156,289   SH           SOLE         1         153,724                   2,565
ORACLE CORPOR      COM   68389X105     311      6,825   SH           SOLE         2           6,825
PAB BANKSHARE      COM   69313P101       1         75   SH           DEFINED      1                        75
PAB BANKSHARE      COM   69313P101   1,127     59,342   SH           SOLE         1          59,342
PAINE WEBBER       COM   695629105   2,200     60,680   SH           SOLE         1          60,680
PENNEY, J.C.       COM   708160106     266      7,700   SH           SOLE                     7,700
PEPSICO, INC.      COM   713448108       9        300   SH           DEFINED                              300
PEPSICO, INC.      COM   713448108     207      6,800   SH           DEFINED      1           6,000       800
PEPSICO, INC.      COM   713448108     493     16,150   SH           SOLE                    16,150
PEPSICO, INC.      COM   713448108      72      2,350   SH           SOLE         1           2,350
PFIZER INC         COM   717081103     648     18,069   SH           DEFINED      1          12,000     5,816           253
PFIZER INC         COM   717081103     129      3,600   SH           DEFINED      2           3,600
PFIZER INC         COM   717081103     815     22,720   SH           SOLE                    22,720
PFIZER INC         COM   717081103   2,854     79,564   SH           SOLE         1          75,578                   3,986
PFIZER INC         COM   717081103     682     19,000   SH           SOLE         2          19,000
PHILIP MORRIS      COM   718154107     250      7,300   SH           DEFINED      1           1,000     1,500         4,800
PHILIP MORRIS      COM   718154107      14        400   SH           DEFINED      2             400
PHILIP MORRIS      COM   718154107     581     16,994   SH           SOLE         1          16,994
PHILIP MORRIS      COM   718154107   1,654     48,380   SH           SOLE         2          46,580                   1,800
PILGRAM PRIME      COM   72146W103     132     13,844   SH           SOLE         1          13,844
PIMCO FUNDS P      COM   693390551     207     21,183   SH           SOLE                    21,183
PIMCO TOTAL R      COM   693390700     388     38,591   SH           DEFINED      1           7,433    24,662         6,495
PIMCO TOTAL R      COM   693390700   2,095    208,203   SH           SOLE                   208,203
PIMCO TOTAL R      COM   693390700   9,917    985,741   SH           SOLE         1         899,411                  86,330
PPG INDUSTRIE      COM   693506107     240      4,000   SH           DEFINED      1           4,000
PPG INDUSTRIE      COM   693506107     593      9,881   SH           SOLE         1           9,881
PREFERRED LAN      COM   629994104       0     15,000   SH           SOLE         1          15,000
PREMIER BANCS      COM   739909109     181     10,350   SH           SOLE         1          10,350
PREPAID LEGAL      COM   740065107   1,200     30,469   SH           SOLE         1          30,469
PROCTOR & GAM      COM   742718109     120      1,275   SH           DEFINED      1              75       200         1,000
PROCTOR & GAM      COM   742718109     183      1,950   SH           DEFINED      2           1,500       450
PROCTOR & GAM      COM   742718109     422      4,496   SH           SOLE                     4,496
PROCTOR & GAM      COM   742718109   3,940     42,029   SH           SOLE         1          41,754                     275
PROCTOR & GAM      COM   742718109   1,569     16,739   SH           SOLE         2          16,739
PROVIDIAN FIN      COM   74406A102     388      4,897   SH           SOLE                     4,897
PUTNAM TAX EX      COM   746870104     194     22,547   SH           SOLE         1          22,547
QUALCOMM CORP      COM   747525103     416      2,200   SH           DEFINED      1                                   2,200
QUALCOMM CORP      COM   747525103      76        400   SH           SOLE         1             400
RAYTHEON COMP      COM   755111309     112      2,306   SH           DEFINED      1             255        51         2,000
RAYTHEON COMP      COM   755111309     158      3,261   SH           SOLE         1           3,261
REGIONS FINAN      COM   758940100     426     14,207   SH           SOLE         1          14,207
RELIANT ENERG      COM   75952J108      11        400   SH           DEFINED      1                       400
RELIANT ENERG      COM   75952J108   1,551     57,320   SH           SOLE         1          57,320
ROCKWELL INTE      COM   773903109     221      4,200   SH           DEFINED      2           4,200
ROCKWELL INTE      COM   773903109     255      4,856   SH           SOLE         1           4,856
ROCKWELL INTE      COM   773903109      16        300   SH           SOLE         2             300
ROYAL DUTCH P      COM   780257804     165      2,800   SH           DEFINED      1                     2,800
ROYAL DUTCH P      COM   780257804     221      3,745   SH           SOLE                     3,745
ROYAL DUTCH P      COM   780257804     240      4,055   SH           SOLE         1           4,055
SARA LEE CORP      COM   803111103     304     13,000   SH           DEFINED      1           8,000                   5,000
SARA LEE CORP      COM   803111103     370     15,820   SH           SOLE                    15,820
SARA LEE CORP      COM   803111103   2,701    115,570   SH           SOLE         1         114,820                     750
SBC COMMUNICA      COM   78387G103      30        588   SH           DEFINED                              588
SBC COMMUNICA      COM   78387G103     784     15,350   SH           DEFINED      1           7,194     8,002           154
SBC COMMUNICA      COM   78387G103     153      3,000   SH           DEFINED      2             300     2,700
SBC COMMUNICA      COM   78387G103     695     13,612   SH           SOLE                    13,612
SBC COMMUNICA      COM   78387G103   5,344    104,664   SH           SOLE         1         103,844                     820
SBC COMMUNICA      COM   78387G103     334      6,536   SH           SOLE         2           6,536
SCHERING PLOU      COM   806605101      70      1,600   SH           DEFINED      1           1,000       600
SCHERING PLOU      COM   806605101   1,530     35,065   SH           SOLE                    35,065
SCHERING PLOU      COM   806605101     852     19,528   SH           SOLE         1          19,528
SCHERING PLOU      COM   806605101     977     22,400   SH           SOLE         2          22,400
SCHLUMBERGER       COM   806857108     178      2,860   SH           DEFINED      1                        60         2,800
SCHLUMBERGER       COM   806857108     313      5,025   SH           SOLE                     5,025
SCHLUMBERGER       COM   806857108   2,736     43,903   SH           SOLE         1          43,903
SCHLUMBERGER       COM   806857108     284      4,550   SH           SOLE         2           4,550
SCHOLASTIC CO      COM   807066105     203      4,051   SH           SOLE         1           4,051
SEAGRAM  LIMI      COM   811850106     255      5,600   SH           SOLE         2           5,600
SEARS ROEBUCK      COM   812387108     224      7,151   SH           SOLE                     7,151
SELIGMAN INCO      COM   816338107     260     19,498   SH           SOLE                    19,498
SELIGMAN MUNI      COM   816346811   1,374    179,102   SH           SOLE                   179,102
SMITHKLINE BE      COM   832378301     219      3,800   SH           DEFINED      2           3,800
SMITHKLINE BE      COM   832378301     242      4,200   SH           SOLE         2           4,200
SONOCO PRODUC      COM   835495102     255     11,180   SH           DEFINED                 11,180
SOUTHEASTERN       COM   784991101       0     14,700   SH           SOLE         1          14,700
SOUTHERN COMP      COM   842587107      20        788   SH           DEFINED                              788
SOUTHERN COMP      COM   842587107     358     13,890   SH           DEFINED      1           4,400     9,490
SOUTHERN COMP      COM   842587107     211      8,200   SH           SOLE                     8,200
SOUTHERN COMP      COM   842587107   2,250     87,378   SH           SOLE         1          87,378
SOUTHERN COMP      COM   842587107     236      9,162   SH           SOLE         2           9,162
SPRINT CORPOR      COM   852061506     149      2,000   SH           DEFINED      1           2,000
SPRINT CORPOR      COM   852061506     286      3,842   SH           SOLE         1           2,532                   1,310
SPRINT, CORP       COM   852061100     434      8,000   SH           DEFINED      1           8,000
SPRINT, CORP       COM   852061100     217      4,000   SH           SOLE                     4,000
SPRINT, CORP       COM   852061100     834     15,368   SH           SOLE         1          10,128                   5,240
STEELCASE INC      COM   858155401     181     12,857   SH           SOLE                    12,857
STEIN ROE INC      COM   858420102     119     12,868   SH           DEFINED      1          12,868
STRATEGIC TEC      COM   786991109       0     38,000   SH           SOLE         1          38,000
SUN MICROSYST      COM   866810104   1,511     16,250   SH           SOLE                    16,250
SUN MICROSYST      COM   866810104     472      5,072   SH           SOLE         1           5,072
SUNTRUST BANK      COM   867914103     665     10,112   SH           DEFINED      1           1,000     7,212         1,900
SUNTRUST BANK      COM   867914103     230      3,500   SH           DEFINED      2           3,500
SUNTRUST BANK      COM   867914103  16,690    253,839   SH           SOLE         1         253,839
SUNTRUST BANK      COM   867914103     289      4,400   SH           SOLE         2           4,400
SYNOVUS FINAN      COM   87161C105 269,143 14,400,390   SH           DEFINED      1          11,859   869,476    13,519,055
SYNOVUS FINAN      COM   87161C105     629     33,646   SH           DEFINED      2          33,646
SYNOVUS FINAN      COM   87161C105   5,447    291,408   SH           SOLE                   291,408
SYNOVUS FINAN      COM   87161C105 410,088 21,941,573   SH           SOLE         1      20,855,340    37,150     1,049,083
SYNOVUS FINAN      COM   87161C105   7,676    410,760   SH           SOLE         2         410,760
SYNOVUS FINAN      COM   87161C105   3,759    201,127   SH           DEFINED                110,483                  90,644
T ROWE PRICE       COM   779906106     160     14,644   SH           DEFINED      1          14,644
TECO ENERGY I      COM   872375100     209      9,900   SH           DEFINED      2           9,900
TECO ENERGY I      COM   872375100     826     39,100   SH           SOLE         2          39,100
TEXACO INC         COM   881694103     133      2,100   SH           DEFINED      1             200     1,900
TEXACO INC         COM   881694103     319      5,052   SH           SOLE         1           5,052
TEXAS INSTRUM      COM   882508104     329      4,000   SH           DEFINED      1                                   4,000
TEXAS INSTRUM      COM   882508104     263      3,200   SH           DEFINED      2           3,200
TEXAS INSTRUM      COM   882508104     345      4,200   SH           SOLE                     4,200
TEXAS INSTRUM      COM   882508104   5,462     66,411   SH           SOLE         1          65,611                     800
THE QUINCY ST      COM   M00081709  15,690    163,393   SH           SOLE         2         163,393
THE QUINCY ST      COM   M00081717   8,821     84,562   SH           SOLE         2          84,562
THE QUINCY ST      COM   M00081733   5,128    154,027   SH           SOLE         2         154,027
TIME WARNER I      COM   887315109     170      2,800   SH           DEFINED      2           2,800
TIME WARNER I      COM   887315109     122      2,000   SH           SOLE         2           2,000
TOTAL SYSTEM       COM   891906109   4,780    294,149   SH           DEFINED      1           1,750   286,999         5,400
TOTAL SYSTEM       COM   891906109  17,663  1,086,979   SH           SOLE         1       1,044,428                  42,551
TYCO INTERNAT      COM   902124106     227      2,200   SH           DEFINED      2           2,200
TYCO INTERNAT      COM   902124106     237      2,300   SH           SOLE         1           2,300
TYCO INTERNAT      COM   902124106     289      2,800   SH           SOLE         2           2,800
U S WEST INCO      COM   91273H101     198      3,465   SH           DEFINED      1           2,465     1,000
U S WEST INCO      COM   91273H101     167      2,931   SH           SOLE         1           2,931
UNION PLANTER      COM   908068109     260      6,379   SH           SOLE         1           6,379
UNITED HEALTH      COM   910581107   1,883     38,676   SH           SOLE         1          38,116                     560
UNITED TECHNO      COM   913017109     251      4,240   SH           SOLE                     4,240
VANGUARD ADMI      COM   921932208     238     23,862   SH           DEFINED      1          23,862
VANGUARD BOND      COM   921937108     186     19,086   SH           DEFINED      1          19,086
VANGUARD FIXE      COM   922031307     121     12,102   SH           DEFINED      1           9,152     2,949
VANGUARD FIXE      COM   922031406     195     18,438   SH           DEFINED      1          18,438
VANGUARD FIXE      COM   922031307     458     45,722   SH           DEFINED      2           9,042    36,679
VANGUARD FIXE      COM   922031307   1,349    134,798   SH           SOLE         1         132,884     1,913
VANGUARD FIXE      COM   922031406      22      2,055   SH           SOLE         1           2,055
VANGUARD FIXE      COM   922031307   2,775    277,255   SH           SOLE         2         271,992                   5,263
VANGUARD MUNI      COM   922907209   1,628    125,903   SH           SOLE         1         124,743                   1,160
VLASSIC FOODS      COM   928559103      69     10,000   SH           DEFINED      1          10,000
VODAFONE AIRT      COM   92857T107     122        512   SH           DEFINED      1                       512
VODAFONE AIRT      COM   92857T107   1,114      4,684   SH           SOLE         1           4,684
WACHOVIA CORP      COM   929771103     551      7,006   SH           DEFINED      1                       672         6,334
WACHOVIA CORP      COM   929771103   6,453     82,069   SH           SOLE         1          82,069
WALGREEN COMP      COM   931422109     152      6,000   SH           DEFINED      2           6,000
WALGREEN COMP      COM   931422109     263     10,350   SH           SOLE         2          10,350
WAL-MART STOR      COM   931142103     695     14,616   SH           DEFINED      1           6,000     8,421           195
WAL-MART STOR      COM   931142103     162      3,400   SH           DEFINED      2           3,400
WAL-MART STOR      COM   931142103     612     12,868   SH           SOLE                    12,868
WAL-MART STOR      COM   931142103   2,011     42,279   SH           SOLE         1          42,279
WAL-MART STOR      COM   931142103   2,626     55,212   SH           SOLE         2          55,212
WALT DISNEY P      COM   254687106     222      8,545   SH           DEFINED      1           7,000     1,545
WALT DISNEY P      COM   254687106      16        600   SH           DEFINED      2                       600
WALT DISNEY P      COM   254687106     239      9,180   SH           SOLE                     9,180
WALT DISNEY P      COM   254687106   3,025    116,334   SH           SOLE         1         116,034                     300
WALT DISNEY P      COM   254687106     987     37,960   SH           SOLE         2          37,960
WARBURG PINCU      COM   933907107     129     12,655   SH           DEFINED      1          12,655
WARNER LAMBER      COM   934488107      93      1,400   SH           DEFINED      1                                   1,400
WARNER LAMBER      COM   934488107     964     14,520   SH           SOLE                    14,520
WARNER LAMBER      COM   934488107   1,272     19,171   SH           SOLE         1          19,171
WARNER LAMBER      COM   934488107     740     11,152   SH           SOLE         2          11,152
WASHINGTON MU      COM   939322103   2,029     69,368   SH           SOLE         1          69,368
WELLS FARGO &      COM   949746101     238      6,000   SH           DEFINED      1             400     3,600         2,000
WELLS FARGO &      COM   949746101     262      6,600   SH           SOLE                     6,600
WELLS FARGO &      COM   949746101     206      5,190   SH           SOLE         1           5,190
WESTPOINT STE      COM   961238102     634     26,817   SH           SOLE         1          26,817
WEYERHAEUSER       COM   962166104   1,905     33,060   SH           SOLE         1          33,060
WILLIAMS COMP      COM   969457100     173      4,600   SH           DEFINED      2           3,000     1,600
WILLIAMS COMP      COM   969457100     124      3,300   SH           SOLE         2           3,300
WINN-DIXIE ST      COM   974280109     154      5,200   SH           DEFINED                  5,200
WINN-DIXIE ST      COM   974280109   1,294     43,596   SH           DEFINED      2          43,596
WINN-DIXIE ST      COM   974280109     335     11,293   SH           SOLE                    11,293
WINN-DIXIE ST      COM   974280109     965     32,490   SH           SOLE         1          32,490
WINN-DIXIE ST      COM   974280109   1,415     47,676   SH           SOLE         2          47,676
WISCONSIN ENE      COM   976657106      84      3,600   SH           DEFINED      1                     3,600
WISCONSIN ENE      COM   976657106     198      8,450   SH           SOLE         1           8,450
XEROX CORP         COM   984121103      13        320   SH           DEFINED      1                       320
XEROX CORP         COM   984121103   3,909     93,215   SH           SOLE         1          92,585                     630

</TABLE>



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