UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 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 5/4/99
[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: 536
Form 13F Information Table Value Total: $2,023,021
(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
Name Title Value Shares or Sh/ Put Investment Other Voting Authority
of Issuer of Class Cusip (x$1000) Prn Amt Prn Call Discretion Managers Sole Shared None
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ABBOTT LABS COM 002824100 159 3,400 SHS DEFINED 1 3,400
ABBOTT LABS COM 002824100 386 8,250 SHS SOLE 1 8,250
ABBOTT LABS COM 002824100 572 12,220 SHS SOLE 12,220
AFLAC,
INCORPORATED COM 001055102 5,045 92,672 SHS DEFINED 1 14,624 78,048
AFLAC,
INCORPORATED COM 001055102 20,964 385,094 SHS SOLE 1 384,174 920
AIR PRODUCTS
& CHEMICALS INC COM 009158106 7 200 SHS DEFINED 1 200
AIR PRODUCTS
& CHEMICALS INC COM 009158106 1,207 35,240 SHS SOLE 1 35,000 240
AIRTOUCH
COMMUNICATIONS
INC COM 00949T100 99 1,025 SHS DEFINED 1 1,025
AIRTOUCH
COMMUNICATIONS
INC COM 00949T100 229 2,368 SHS SOLE 1 2,368
ALCOA INC COM 013817101 41 1,000 SHS DEFINED 1 1,000
ALCOA INC COM 013817101 161 3,900 SHS SOLE 1 1,500 2,400
ALLIED SIGNAL,
INCORPORATED COM 019512102 53 1,080 SHS DEFINED 1 1,080
ALLIED SIGNAL,
INCORPORATED COM 019512102 2,151 43,735 SHS SOLE 1 42,865 870
ALLIED SIGNAL,
INCORPORATED COM 019512102 275 5,600 SHS SOLE 5,600
ALLSTATE
CORPORATION COM 020002101 252 6,808 SHS DEFINED 1 6,808
ALLSTATE
CORPORATION COM 020002101 15 416 SHS SOLE 1 416
ALLTEL
CORPORATION COM 020039103 25 400 SHS DEFINED 1 400
ALLTEL
CORPORATION COM 020039103 3,461 55,482 SHS SOLE 1 55,162 320
ALLTEL
CORPORATION COM 020039103 455 7,296 SHS SOLE 7,296
AMERICA ONLINE,
INC. COM 02364J104 15 100 SHS DEFINED 1 100
AMERICA ONLINE,
INC. COM 02364J104 412 2,800 SHS DEFINED 2 2,800
AMERICA ONLINE,
INC. COM 02364J104 226 1,540 SHS SOLE 1 540 1,000
AMERICAN BOND
FUND OF AMERICA
#08 COM 097873103 196 14,598 SHS SOLE 14,598
AMERICAN
EXPRESS COMPANY COM 025816109 224 1,900 SHS DEFINED 1 1,100 800
AMERICAN
EXPRESS COMPANY COM 025816109 453 3,848 SHS SOLE 1 2,298 1,550
AMERICAN
HIGH-INCOME
TRUST FUND #21 COM 026547109 358 25,332 SHS SOLE 25,332
AMERICAN HOME
PRODUCTS CORP. COM 026609107 248 3,800 SHS DEFINED 1 3,800
AMERICAN HOME
PRODUCTS CORP. COM 026609107 6,719 102,966 SHS SOLE 1 102,036 930
AMERICAN HOME
PRODUCTS CORP. COM 026609107 320 4,900 SHS SOLE 2 4,900
AMERICAN HOME
PRODUCTS CORP. COM 026609107 444 6,799 SHS SOLE 6,799
AMERICAN
INTERNATIONAL
GROUP, INC COM 026874107 228 1,887 SHS SOLE 1,887
AMERITECH CORP COM 030954101 231 4,000 SHS DEFINED 1 4,000
AMERITECH CORP COM 030954101 814 14,124 SHS SOLE 1 11,310 2,814
AMERITECH CORP COM 030954101 284 4,928 SHS SOLE 2 4,928
AMGEN INC COM 031162100 449 6,000 SHS DEFINED 1 6,000
AMGEN INC COM 031162100 388 5,188 SHS SOLE 1 5,188
ANHEUSER BUSCH
COMPANIES, INC. COM 035229103 305 4,000 SHS DEFINED 1 4,000
ANHEUSER BUSCH
COMPANIES, INC. COM 035229103 164 2,155 SHS SOLE 1 2,155
ANHEUSER BUSCH
COMPANIES, INC. COM 035229103 305 4,000 SHS SOLE 2 4,000
APPLIED
MATERIALS INC COM 038222105 240 3,890 SHS SOLE 3,890
ARCHER-DANIELS-M
COMPANY COM 039483102 141 9,570 SHS DEFINED 1 9,570
ARCHER-DANIELS-M
COMPANY COM 039483102 51 3,484 SHS SOLE 1 3,484
AT&T CORP COM 001957109 825 10,334 SHS DEFINED 1 8,878 1,456
AT&T CORP COM 001957109 72 900 SHS DEFINED 2 300 600
AT&T CORP COM 001957109 87 1,090 SHS DEFINED 900 190
AT&T CORP COM 001957109 1,605 20,110 SHS SOLE 1 20,110
AT&T CORP COM 001957109 694 8,695 SHS SOLE 2 8,695
AT&T CORP COM 001957109 565 7,077 SHS SOLE 7,077
ATLANTIC
RICHFIELD
COMPANY COM 048825103 117 1,600 SHS DEFINED 1 1,600
ATLANTIC
RICHFIELD
COMPANY COM 048825103 2,691 36,800 SHS SOLE 1 36,800
AUTOMATIC DATA
PROCESSING, INC COM 053015103 582 14,064 SHS SOLE 1 9,664 4,400
BANK ONE
CORPORATION COM 06423A103 117 2,133 SHS DEFINED 1 275 1,858
BANK ONE
CORPORATION COM 06423A103 3,167 57,516 SHS SOLE 1 57,296 220
BANKAMERICA
CORPORATION NEW COM 06605F102 150 2,122 SHS DEFINED 1 168 1,886 68
BANKAMERICA
CORPORATION NEW COM 06605F102 993 14,064 SHS DEFINED 2 840 13,224
BANKAMERICA
CORPORATION NEW COM 06605F102 8 112 SHS DEFINED 112
BANKAMERICA
CORPORATION NEW COM 06605F102 6,280 88,927 SHS SOLE 1 84,273 4,654
BANKAMERICA
CORPORATION NEW COM 06605F102 1,752 24,814 SHS SOLE 2 24,814
BANKAMERICA
CORPORATION NEW COM 06605F102 3,748 53,066 SHS SOLE 53,066
BANKERS TRUST
CORPORATION COM 066365107 291 3,300 SHS DEFINED 1 2,500 800
BAXTER
INTERNATIONAL,
INC COM 071813109 33 500 SHS DEFINED 1 500
BAXTER
INTERNATIONAL,
INC COM 071813109 212 3,216 SHS SOLE 1 2,416 800
BB & T
CORPORATION COM 054937107 784 21,676 SHS SOLE 21,676
BECTON
DICKINSON AND
COMPANY COM 075887109 267 6,960 SHS SOLE 1 6,960
BELL ATLANTIC
CORPORATION COM 077853109 407 7,878 SHS DEFINED 1 6,672 1,206
BELL ATLANTIC
CORPORATION COM 077853109 28 536 SHS DEFINED 2 200 336
BELL ATLANTIC
CORPORATION COM 077853109 90 1,748 SHS DEFINED 1,600 148
BELL ATLANTIC
CORPORATION COM 077853109 476 9,208 SHS SOLE 1 9,208
BELL ATLANTIC
CORPORATION COM 077853109 933 18,058 SHS SOLE 2 18,058
BELL ATLANTIC
CORPORATION COM 077853109 370 7,162 SHS SOLE 7,162
BELLSOUTH
CORPORATION COM 079860102 735 18,346 SHS DEFINED 1 5,980 11,942 424
BELLSOUTH
CORPORATION COM 079860102 709 17,700 SHS DEFINED 2 16,800 900
BELLSOUTH
CORPORATION COM 079860102 136 3,392 SHS DEFINED 2,400 992
BELLSOUTH
CORPORATION COM 079860102 7,498 187,145 SHS SOLE 1 178,303 8,842
BELLSOUTH
CORPORATION COM 079860102 2,938 73,333 SHS SOLE 2 73,333
BELLSOUTH
CORPORATION COM 079860102 578 14,417 SHS SOLE 14,417
BERKSHIRE
HATHAWAY, INC COM 084670108 1,544 21 SHS SOLE 1 21
BESTFOODS
INCORPORATED COM 08658U101 232 4,944 SHS DEFINED 1 4,944
BESTFOODS
INCORPORATED COM 08658U101 132 2,800 SHS DEFINED 2 2,800
BESTFOODS
INCORPORATED COM 08658U101 3,012 64,093 SHS SOLE 1 64,093
BESTFOODS
INCORPORATED COM 08658U101 376 8,000 SHS SOLE 2 8,000
BLACKROCK 1999
TERM TR COM 09247T100 94 9,450 SHS DEFINED 1 5,500 3,950
BLACKROCK 1999
TERM TR COM 09247T100 650 65,438 SHS SOLE 1 64,438 1,000
BLACKROCK BROAD
INVESTMENT GRD COM 09247Q106 229 17,825 SHS DEFINED 1 17,825
BLACKROCK CORE
BOND PORTFOLIO
#07 COM 091928747 5 547 SHS DEFINED 547
BLACKROCK CORE
BOND PORTFOLIO
#07 COM 091928747 8,214 852,926 SHS SOLE 837,018 15,908
BLACKROCK
MANAGED INCOME
PORTFOLIO COM 091928606 130 12,656 SHS SOLE 12,656
BLACKROCK NC
MUNI MONEY MKT
INSTL CL #47 COM 091927343 190 189,994 SHS SOLE 189,994
BOSTON
SCIENTIFIC
CORPORATION COM 101137107 244 6,000 SHS DEFINED 1 6,000
BP AMOCO PLC
SPONSORED ADR COM 055622104 290 2,867 SHS DEFINED 1 463 2,295 109
BP AMOCO PLC
SPONSORED ADR COM 055622104 408 4,035 SHS DEFINED 2 4,035
BP AMOCO PLC
SPONSORED ADR COM 055622104 2,413 23,894 SHS SOLE 1 18,161 5,733
BP AMOCO PLC
SPONSORED ADR COM 055622104 260 2,579 SHS SOLE 2 2,579
BRISTOL-MYERS
SQUIBB COMPANY COM 110122108 1,049 16,366 SHS DEFINED 1 4,960 11,406
BRISTOL-MYERS
SQUIBB COMPANY COM 110122108 103 1,600 SHS DEFINED 2 800 800
BRISTOL-MYERS
SQUIBB COMPANY COM 110122108 5,659 88,253 SHS SOLE 1 84,133 700 3,420
BRISTOL-MYERS
SQUIBB COMPANY COM 110122108 2,012 31,380 SHS SOLE 2 31,380
BRISTOL-MYERS
SQUIBB COMPANY COM 110122108 2,039 31,802 SHS SOLE 31,802
BUILDING
MATERIALS
HOLDING CORP COM 120113105 101 10,000 SHS DEFINED 1 10,000
BUTLER FIFTH
GENERATION INC. COM 056010309 8,144 169,769 SHS SOLE 1 169,769
CARNIVAL CORP
CL A COM 143658102 330 6,800 SHS DEFINED 2 6,800
CARNIVAL CORP
CL A COM 143658102 206 4,250 SHS SOLE 2 4,250
CAROLINA POWER
& LIGHT CO. COM 144141108 90 2,392 SHS DEFINED 1 2,392
CAROLINA POWER
& LIGHT CO. COM 144141108 234 6,200 SHS SOLE 1 6,200
CATERPILLAR,
INC. COM 149123101 211 4,600 SHS DEFINED 1 1,000 3,600
CATERPILLAR,
INC. COM 149123101 42 920 SHS SOLE 1 920
CBS CORPORATION COM 12490K107 327 8,000 SHS DEFINED 1 8,000
CBS CORPORATION COM 12490K107 33 800 SHS SOLE 1 800
CENTRAL AND
SOUTH WEST CORP COM 152357109 211 9,000 SHS SOLE 1 9,000
CENTURY SOUTH
BANKS
INCORPORATED COM 156683104 300 11,689 SHS SOLE 1 11,689
CHANCELLOR
MEDIA
CORPORATION COM 158915108 189 4,000 SHS DEFINED 2 4,000
CHANCELLOR
MEDIA
CORPORATION COM 158915108 38 800 SHS SOLE 2 800
CHEUNG KONG
HOLDINGS
LIMITED ADR COM 166744201 74 10,000 SHS DEFINED 1 10,000
CHEVRON
CORPORATION COM 166751107 499 5,623 SHS DEFINED 1 2,735 1,988 900
CHEVRON
CORPORATION COM 166751107 257 2,900 SHS DEFINED 2 2,900
CHEVRON
CORPORATION COM 166751107 3,857 43,455 SHS SOLE 1 43,160 295
CHEVRON
CORPORATION COM 166751107 1,467 16,524 SHS SOLE 2 16,524
CHUBB
CORPORATION COM 171232101 102 1,744 SHS DEFINED 1 1,744
CHUBB
CORPORATION COM 171232101 7,509 128,229 SHS SOLE 1 45,269 82,960
CISCO SYSTEMS COM 17275R102 203 1,850 SHS DEFINED 1 1,850
CISCO SYSTEMS COM 17275R102 493 4,500 SHS DEFINED 2 4,500
CISCO SYSTEMS COM 17275R102 713 6,510 SHS SOLE 1 6,010 500
CISCO SYSTEMS COM 17275R102 211 1,925 SHS SOLE 2 1,925
CISCO SYSTEMS COM 17275R102 296 2,700 SHS SOLE 2,700
CITIGROUP
INCORPORATED COM 172967101 378 5,921 SHS DEFINED 1 5,200 721
CITIGROUP
INCORPORATED COM 172967101 118 1,840 SHS SOLE 1 1,340 500
CLOROX COMPANY COM 189054109 35 298 SHS DEFINED 1 298
CLOROX COMPANY COM 189054109 398 3,400 SHS SOLE 1 3,400
CNB CORPORATION COM 12612R105 907 9,653 SHS SOLE 9,653
COCA COLA
COMPANY COM 191216100 29,231 476,265 SHS DEFINED 1 42,771 427,803 5,691
COCA COLA
COMPANY COM 191216100 7,713 125,665 SHS DEFINED 2 125,665
COCA COLA
COMPANY COM 191216100 548,679 8,939,778 SHS SOLE 1 8,895,162 44,616
COCA COLA
COMPANY COM 191216100 144,161 2,348,857 SHS SOLE 2 2,247,697 101,160
COCA COLA
COMPANY COM 191216000 0 2,050,000 SHS SOLE 1 2,050,000
COCA-COLA
ENTERPRISES INC COM 191219104 269 8,900 SHS DEFINED 2 8,900
COCA-COLA
ENTERPRISES INC COM 191219104 68 2,242 SHS SOLE 2 2,242
COLGATE-PALMOLIV
COMPANY COM 194162103 158 1,720 SHS DEFINED 2 1,720
COLGATE-PALMOLIV
COMPANY COM 194162103 2,208 24,003 SHS SOLE 1 24,003
COLGATE-PALMOLIV
COMPANY COM 194162103 120 1,300 SHS SOLE 2 1,300
COLGATE-PALMOLIV
COMPANY COM 194162103 322 3,500 SHS SOLE 3,500
COMPAQ COMPUTER
CORP COM 204493100 101 3,200 SHS DEFINED 1 300 2,900
COMPAQ COMPUTER
CORP COM 204493100 3,399 107,265 SHS SOLE 1 106,370 895
CONOCO
INCORPORATED COM 208251306 246 10,000 SHS DEFINED 1 10,000
CORNING
INCORPORATED COM 219350105 210 3,500 SHS DEFINED 1 3,500
CRANE COMPANY COM 224399105 275 11,376 SHS DEFINED 1 11,376
CSX CORP COM 126408103 95 2,436 SHS DEFINED 1 2,436
CSX CORP COM 126408103 123 3,168 SHS SOLE 1 3,168
CUSTOM CAR CARE
CO GEORGIA COM 126990100 0 20,000 SHS SOLE 1 20,000
CVS CORPORATION COM 126650100 171 3,600 SHS DEFINED 2 3,600
CVS CORPORATION COM 126650100 67 1,400 SHS SOLE 2 1,400
DARDEN
RESTAURANTS INC COM 237194105 214 10,398 SHS DEFINED 1 10,398
DARDEN
RESTAURANTS INC COM 237194105 736 35,693 SHS SOLE 1 35,693
DAYTON HUDSON
CORPORATION COM 239753106 13 200 SHS DEFINED 1 200
DAYTON HUDSON
CORPORATION COM 239753106 200 3,000 SHS DEFINED 2 3,000
DAYTON HUDSON
CORPORATION COM 239753106 4,698 70,515 SHS SOLE 1 69,555 960
DAYTON HUDSON
CORPORATION COM 239753106 13 200 SHS SOLE 2 200
DAYTON HUDSON
CORPORATION COM 239753106 346 5,200 SHS SOLE 5,200
DEERE AND CO COM 244199105 54 1,400 SHS DEFINED 1 1,400
DEERE AND CO COM 244199105 1,180 30,560 SHS SOLE 1 30,560
DEVELOPERS-INVES
INC. DEBENTURES COM 232990AA9 456 450,000 SHS SOLE 1
DOW CHEMICAL
COMPANY COM 260543103 103 1,104 SHS DEFINED 1 504 600
DOW CHEMICAL
COMPANY COM 260543103 196 2,106 SHS SOLE 1 2,106
DREYFUS MUN
MONEY MKT FD COM 26201S100 15 15,000 SHS SOLE 15,000
DUKE ENERGY
CORPORATION COM 264399106 439 8,017 SHS DEFINED 1 2,000 5,550 467
DUKE ENERGY
CORPORATION COM 264399106 22 400 SHS DEFINED 2 400
DUKE ENERGY
CORPORATION COM 264399106 11 200 SHS DEFINED 200
DUKE ENERGY
CORPORATION COM 264399106 1,914 34,918 SHS SOLE 1 34,418 500
DUKE ENERGY
CORPORATION COM 264399106 208 3,800 SHS SOLE 2 3,800
DUKE ENERGY
CORPORATION COM 264399106 479 8,746 SHS SOLE 8,746
E. I. DUPONT DE
NEMOURS & CO COM 263534109 1,129 19,445 SHS DEFINED 1 7,245 9,400 2,800
E. I. DUPONT DE
NEMOURS & CO COM 263534109 122 2,100 SHS DEFINED 2 2,100
E. I. DUPONT DE
NEMOURS & CO COM 263534109 2,005 34,530 SHS SOLE 1 34,265 265
E. I. DUPONT DE
NEMOURS & CO COM 263534109 238 4,100 SHS SOLE 2 4,100
E. I. DUPONT DE
NEMOURS & CO COM 263534109 2,935 50,545 SHS SOLE 50,545
EARTH SCIENCES,
INC. COM 270312200 7 10,000 SHS SOLE 1 10,000
EASTMAN KODAK
CO. COM 277461109 275 4,300 SHS DEFINED 1 4,000 300
EASTMAN KODAK
CO. COM 277461109 332 5,192 SHS SOLE 1 3,768 1,424
EDISON
INTERNATIONAL COM 281020107 18 800 SHS DEFINED 2 800
EDISON
INTERNATIONAL COM 281020107 351 15,785 SHS SOLE 2 15,785
EMC CORP COM 268648102 767 6,000 SHS DEFINED 2 6,000
EMC CORP COM 268648102 383 3,000 SHS SOLE 2 3,000
EMERSON
ELECTRIC CO. COM 291011104 21 400 SHS DEFINED 1 400
EMERSON
ELECTRIC CO. COM 291011104 2,100 39,666 SHS SOLE 1 39,406 260
ENRON
CORPORATION COM 293561106 1,895 29,500 SHS SOLE 29,500
EQUIFAX,
INCORPORATED COM 294429105 206 6,000 SHS DEFINED 1 6,000
EQUIFAX,
INCORPORATED COM 294429105 289 8,400 SHS SOLE 1 4,400 4,000
EXXON
CORPORATION COM 302290101 843 11,948 SHS DEFINED 1 3,000 7,216 1,732
EXXON
CORPORATION COM 302290101 690 9,776 SHS DEFINED 2 9,376 400
EXXON
CORPORATION COM 302290101 16 225 SHS DEFINED 225
EXXON
CORPORATION COM 302290101 7,268 102,996 SHS SOLE 1 96,178 6,818
EXXON
CORPORATION COM 302290101 2,439 34,568 SHS SOLE 2 34,568
EXXON
CORPORATION COM 302290101 3,009 42,649 SHS SOLE 42,649
FEDERAL
NATIONAL
MORTGAGE COM 313586109 69 1,000 SHS DEFINED 1 1,000
FEDERAL
NATIONAL
MORTGAGE COM 313586109 329 4,750 SHS DEFINED 2 4,300 450
FEDERAL
NATIONAL
MORTGAGE COM 313586109 3,443 49,720 SHS SOLE 1 49,470 250
FEDERAL
NATIONAL
MORTGAGE COM 313586109 145 2,100 SHS SOLE 2 2,100
FEDERATED FUND
#09 U.S.
GOVERNMENT COM 31428M100 177 16,908 SHS DEFINED 1 16,908
FEDERATED FUND
#09 U.S.
GOVERNMENT COM 31428M100 335 31,951 SHS SOLE 1 24,401 7,550
FEDERATED FUND
#47 U.S.
GOVERNMENT COM 31428P103 152 14,124 SHS DEFINED 1 2,408 11,716
FEDERATED FUND
#47 U.S.
GOVERNMENT COM 31428P103 587 54,669 SHS SOLE 1 54,669
FEDERATED GNMA
TRUST FUND #16 COM 314184102 74 6,578 SHS DEFINED 1 6,578
FEDERATED GNMA
TRUST FUND #16 COM 314184102 278 24,617 SHS SOLE 1 23,552 1,065
FEDERATED HIGH
YIELD TRUST
FUND #38 COM 314197104 139 15,492 SHS SOLE 15,492
FEDERATED HIGH
YIELD TRUST
FUND#38 COM 314197104 866 96,191 SHS SOLE 1 82,696 13,495
FEDERATED
INCOME TRUST
FUND #36 COM 314199100 50 4,830 SHS DEFINED 1 4,830
FEDERATED
INCOME TRUST
FUND #36 COM 314199100 181 17,520 SHS SOLE 1 16,402 1,118
FEDERATED
INCOME TRUST
FUND #36 COM 314199100 430 41,701 SHS SOLE 41,701
FEDERATED
INTERMEDIATE
MUNICIPAL TRUST
FUND #78 COM 458810108 17 1,572 SHS DEFINED 1 1,572
FEDERATED
INTERMEDIATE
MUNICIPAL TRUST
FUND #78 COM 458810108 977 91,479 SHS SOLE 1 91,479
FEDERATED SHORT
TERM INCOME
FUND #65 COM 31420C209 200 23,024 SHS DEFINED 1 2,883 20,141
FEDERATED SHORT
TERM INCOME
FUND #65 COM 31420C209 881 101,503 SHS SOLE 1 101,503
FEDERATED
SHORT-TERM
MUNICIPAL TRUST
FUND#34 COM 313907107 764 74,049 SHS SOLE 1 74,049
FIDELITY
ADVISOR
INSTITUTIONAL
SHORT INT GOV COM 315809400 73 7,807 SHS DEFINED 1 7,807
FIDELITY
ADVISOR
INSTITUTIONAL
SHORT INT GOV COM 315809400 8,850 947,550 SHS SOLE 1 846,006 1,539 100,003
FIDELITY
GOVERNMENT
INCOME FUND
PTNRSH 25% INT
LTD FD #54 COM 316172105 1,093 110,697 SHS SOLE 110,697
FIDELITY
GOVERNMENT
NATIONAL
MORTGAGE
ASSOCIATION
PORTFOLIO COM 31617K105 142 13,133 SHS SOLE 1 13,133
FIDELITY
INTERMEDIATE
GOV'T INCOME
FUND #452 COM 31617K303 151 15,561 SHS DEFINED 1 11,442 4,119
FIDELITY
MORTGAGE
SECURITIES FUND
FUND#40 COM 31617K204 117 10,894 SHS DEFINED 1 10,894
FIDELITY
SHORT-TERM BOND
PORTFOLIO FUND
#450 COM 316146208 131 15,107 SHS SOLE 1 15,107
FIDELITY U.S.
BOND INDEX FUND
#651 COM 315911107 149 13,803 SHS DEFINED 1 13,803
FIDELITY U.S.
BOND INDEX FUND
#651 COM 315911107 12 1,099 SHS SOLE 1 1,099
FIRST LIBERTY
FINANCIAL CORP COM 320691108 381 18,000 SHS SOLE 1 18,000
FIRST
SOUTHEASTERN
CORPORATION
CLASS B
NON-VOTING
(GEORGIA) COM 303999106 0 12,108 SHS SOLE 1 12,108
FIRST TENNESSEE
NATIONAL CORP COM 337162101 723 19,744 SHS DEFINED 1 19,744
FIRST UNION
CORPORATION COM 337358105 905 16,944 SHS DEFINED 1 16,944
FIRST UNION
CORPORATION COM 337358105 1,126 21,067 SHS SOLE 1 21,067
FLEET FINANCIAL
GROUP, INC NEW COM 338915101 34 900 SHS DEFINED 1 900
FLEET FINANCIAL
GROUP, INC NEW COM 338915101 2,450 65,116 SHS SOLE 1 65,116
FLOWERS
INDUSTRIES, INC.COM 343496105 180 7,300 SHS DEFINED 1 7,300
FLOWERS
INDUSTRIES, INC.COM 343496105 1,441 58,538 SHS SOLE 1 58,538
FORD MOTOR
COMPANY COM 345370100 128 2,256 SHS DEFINED 1 2,256
FORD MOTOR
COMPANY COM 345370100 3,546 62,552 SHS SOLE 1 61,922 630
FRANKLIN
CUSTODIAN
FUNDS, FUND
#109 CLASS I COM 353496300 34 15,198 SHS DEFINED 1 15,198
FRANKLIN
CUSTODIAN
FUNDS, FUND
#109 CLASS I COM 353496300 236 104,886 SHS SOLE 1 104,886
FRANKLIN U.S.
GOVERNMENT
SECURITIES
FUND, #110 COM 353496607 49 7,188 SHS DEFINED 1 7,188
FRANKLIN U.S.
GOVERNMENT
SECURITIES
FUND, #110 COM 353496607 172 25,142 SHS SOLE 1 22,769 2,372
GANNETT
COMPANY, INC. COM 364730101 268 4,255 SHS SOLE 1 4,255
GENERAL
ELECTRIC CO. COM 369604103 2,543 22,990 SHS DEFINED 1 7,180 13,810 2,000
GENERAL
ELECTRIC CO. COM 369604103 1,482 13,400 SHS DEFINED 2 9,400 4,000
GENERAL
ELECTRIC CO. COM 369604103 100 900 SHS DEFINED 800 100
GENERAL
ELECTRIC CO. COM 369604103 15,438 139,555 SHS SOLE 1 122,981 16,574
GENERAL
ELECTRIC CO. COM 369604103 6,145 55,545 SHS SOLE 2 55,545
GENERAL
ELECTRIC CO. COM 369604103 2,588 23,398 SHS SOLE 23,398
GENERAL MILLS,
INC. COM 370334104 1,246 16,492 SHS DEFINED 1 16,492
GENERAL MILLS,
INC. COM 370334104 5,117 67,712 SHS SOLE 1 67,712
GENERAL MOTORS
CORPORATION COM 370442105 152 1,748 SHS DEFINED 1 1,748
GENERAL MOTORS
CORPORATION COM 370442105 66 764 SHS SOLE 1 764
GENERAL MOTORS
CORPORATION COM 370442105 313 3,597 SHS SOLE 3,597
GENUINE PARTS
COMPANY COM 372460105 126 4,386 SHS DEFINED 1 1,686 2,700
GENUINE PARTS
COMPANY COM 372460105 1,360 47,194 SHS SOLE 1 47,194
GEORGIA PACIFIC
CORPORATION COM 373298108 52 702 SHS DEFINED 702
GEORGIA PACIFIC
CORPORATION COM 373298108 561 7,560 SHS SOLE 7,560
GEORGIA PACIFIC
TIMBER GROUP COM 373298702 301 13,400 SHS DEFINED 1 13,400
GEORGIA PACIFIC
TIMBER GROUP COM 373298702 1 29 SHS SOLE 1 29
GILLETTE CO COM 375766102 513 8,632 SHS DEFINED 1 8,632
GILLETTE CO COM 375766102 428 7,200 SHS DEFINED 2 7,200
GILLETTE CO COM 375766102 2,298 38,664 SHS SOLE 1 34,964 3,700
GILLETTE CO COM 375766102 380 6,390 SHS SOLE 2 6,390
GOODYEAR TIRE
& RUBBER CO. COM 382550101 1,272 25,545 SHS SOLE 1 25,545
GTE CORPORATION COM 362320103 444 7,340 SHS DEFINED 1 1,430 5,805 105
GTE CORPORATION COM 362320103 36 600 SHS DEFINED 600
GTE CORPORATION COM 362320103 7,936 131,173 SHS SOLE 1 129,820 400 953
GTE CORPORATION COM 362320103 315 5,200 SHS SOLE 2 5,200
GTE CORPORATION COM 362320103 272 4,501 SHS SOLE 4,501
H J HEINZ
COMPANY COM 423074103 256 5,400 SHS DEFINED 1 1,500 3,900
H J HEINZ
COMPANY COM 423074103 171 3,606 SHS SOLE 1 2,550 1,056
H J HEINZ
COMPANY COM 423074103 351 7,400 SHS SOLE 2 7,400
HALLIBURTON
COMPANY COM 406216101 85 2,200 SHS DEFINED 1 600 1,600
HALLIBURTON
COMPANY COM 406216101 1,790 46,502 SHS SOLE 1 46,502
HERSHEY FOODS
CORP COM 427866108 303 5,400 SHS SOLE 1 5,400
HERSHEY FOODS
CORP COM 427866108 269 4,800 SHS SOLE 4,800
HEWLETT PACKARD
CO COM 428236103 300 4,417 SHS DEFINED 1 1,017 3,400
HEWLETT PACKARD
CO COM 428236103 54 800 SHS DEFINED 2 800
HEWLETT PACKARD
CO COM 428236103 4,159 61,329 SHS SOLE 1 60,849 480
HEWLETT PACKARD
CO COM 428236103 258 3,800 SHS SOLE 2 3,800
HEWLETT PACKARD
CO COM 428236103 319 4,700 SHS SOLE 4,700
HOME DEPOT
INCORPORATED COM 437076102 251 4,034 SHS DEFINED 1 1,600 1,280 1,154
HOME DEPOT
INCORPORATED COM 437076102 579 9,300 SHS DEFINED 2 9,300
HOME DEPOT
INCORPORATED COM 437076102 4,910 78,882 SHS SOLE 1 78,182 700
HOME DEPOT
INCORPORATED COM 437076102 47 750 SHS SOLE 2 750
HOME DEPOT
INCORPORATED COM 437076102 591 9,500 SHS SOLE 9,500
HOUSEHOLD
INTERNATIONAL
INC COM 441815107 123 2,700 SHS DEFINED 1 2,700
HOUSEHOLD
INTERNATIONAL
INC COM 441815107 108 2,364 SHS SOLE 1 2,364
ILLINOIS TOOL
WORKS,
INCORPORATED COM 452308109 1,542 24,915 SHS SOLE 1 24,625 290
IMPERIAL SUGAR
CO. NEW COM 453096109 61 10,000 SHS DEFINED 1 10,000
INTEL
CORPORATION COM 458140100 493 4,150 SHS DEFINED 1 2,450 1,700
INTEL
CORPORATION COM 458140100 606 5,100 SHS DEFINED 2 5,100
INTEL
CORPORATION COM 458140100 36 300 SHS DEFINED 300
INTEL
CORPORATION COM 458140100 5,163 43,432 SHS SOLE 1 41,952 1,480
INTEL
CORPORATION COM 458140100 1,872 15,744 SHS SOLE 2 15,144 600
INTEL
CORPORATION COM 458140100 501 4,215 SHS SOLE 4,215
INTERNATIONAL
BUSINESS
MACHINES CORP COM 459200101 202 1,138 SHS DEFINED 1 600 538
INTERNATIONAL
BUSINESS
MACHINES CORP COM 459200101 319 1,800 SHS DEFINED 2 1,800
INTERNATIONAL
BUSINESS
MACHINES CORP COM 459200101 2,577 14,539 SHS SOLE 1 11,667 2,872
INTERNATIONAL
BUSINESS
MACHINES CORP COM 459200101 35 200 SHS SOLE 2 200
INTUIT INC COM COM 461202103 611 6,000 SHS DEFINED 1 6,000
J. P. MORGAN
& CO., INC. COM 616880100 185 1,500 SHS DEFINED 1 1,500
J. P. MORGAN
& CO., INC. COM 616880100 178 1,440 SHS SOLE 1 1,440
JANUS FLEXIBLE
INCOME FUND #49 COM 471023606 118 11,966 SHS DEFINED 1 6,084 5,881
JEFFERSON-PILOT
CORPORATION COM 475070108 11 165 SHS DEFINED 165
JEFFERSON-PILOT
CORPORATION COM 475070108 331 4,892 SHS SOLE 4,892
JOHNSON
& JOHNSON COM 478160104 526 5,630 SHS DEFINED 1 150 5,480
JOHNSON
& JOHNSON COM 478160104 6,758 72,280 SHS SOLE 1 72,280
JOHNSON
& JOHNSON COM 478160104 421 4,500 SHS SOLE 4,500
KANSAS CITY
SOUTHERN
INDUSTRIES INC COM 485170104 217 3,800 SHS SOLE 1 3,800
KELLOGG COMPANY COM 487836108 1,117 33,040 SHS SOLE 1 33,040
KEMPER INSURED
CORPORATE TRUST
SERIES 07 COM 487903239 25 94,636 SHS SOLE 1 94,636
KEMPER INSURED
CORPORATE TRUST
SERIES 11 COM 487903312 17 20,262 SHS SOLE 1 20,262
KIMBERLY CLARK
CORP COM 494368103 134 2,800 SHS DEFINED 1 2,800
KIMBERLY CLARK
CORP COM 494368103 3,507 73,158 SHS SOLE 1 72,758 400
KROGER INC COM 501044101 180 3,000 SHS DEFINED 2 3,000
KROGER INC COM 501044101 60 1,000 SHS SOLE 2 1,000
LEXINGTON
RAMIREZ GLOBAL
INCOME FD #275 COM 529534109 170 16,927 SHS DEFINED 1 16,927
LILLY, ELI & CO COM 532457108 289 3,400 SHS SOLE 2 2,300 1,100
LOUISIANA
PACIFIC CORP COM 546347105 17 900 SHS DEFINED 900
LOUISIANA
PACIFIC CORP COM 546347105 411 22,046 SHS SOLE 22,046
LOWES COMPANIES
INC COM 548661107 12 200 SHS DEFINED 1 200
LOWES COMPANIES
INC COM 548661107 4,304 71,145 SHS SOLE 1 70,175 970
LUCENT
TECHNOLOGIES
INCORPORATED COM 549463107 1,416 13,109 SHS DEFINED 1 12,000 1,109
LUCENT
TECHNOLOGIES
INCORPORATED COM 549463107 129 1,194 SHS DEFINED 2 1,194
LUCENT
TECHNOLOGIES
INCORPORATED COM 549463107 76 704 SHS DEFINED 582 122
LUCENT
TECHNOLOGIES
INCORPORATED COM 549463107 1,172 10,854 SHS SOLE 1 10,044 810
LUCENT
TECHNOLOGIES
INCORPORATED COM 549463107 499 4,622 SHS SOLE 2 4,622
LUCENT
TECHNOLOGIES
INCORPORATED COM 549463107 566 5,245 SHS SOLE 5,245
MARRIOTT
INTERNATIONAL
CLASS A (NEW) COM 571903202 2,518 74,884 SHS SOLE 1 74,884
MCDONALDS CORP COM 580135101 363 8,000 SHS DEFINED 1 8,000
MCDONALDS CORP COM 580135101 441 9,740 SHS SOLE 1 9,140 600
MCDONALDS CORP COM 580135101 508 11,200 SHS SOLE 2 11,200
MCGRAW HILL
COMPANIES INC COM 580645109 1,305 23,952 SHS SOLE 1 22,322 1,630
MCI WORLDCOM
INC. COM 55268B106 275 3,109 SHS DEFINED 2 3,109
MCI WORLDCOM
INC. COM 55268B106 203 2,294 SHS SOLE 1 1,794 500
MEDIAONE GROUP
INCORPORATED COM 58440J104 152 2,400 SHS DEFINED 1 2,400
MEDIAONE GROUP
INCORPORATED COM 58440J104 89 1,408 SHS SOLE 1 1,408
MEDTRONIC INC COM 585055106 359 5,000 SHS DEFINED 2 5,000
MEDTRONIC INC COM 585055106 3,492 48,590 SHS SOLE 1 47,955 635
MEDTRONIC INC COM 585055106 219 3,040 SHS SOLE 2 3,040
MERCK & CO. COM 589331107 1,337 16,682 SHS DEFINED 1 9,216 5,566 1,900
MERCK & CO. COM 589331107 689 8,600 SHS DEFINED 2 8,200 400
MERCK & CO. COM 589331107 9,543 119,105 SHS SOLE 1 99,285 19,820
MERCK & CO. COM 589331107 3,167 39,520 SHS SOLE 2 39,520
MERCK & CO. COM 589331107 1,058 13,200 SHS SOLE 13,200
MFS GEORGIA
MUNICIPAL BOND
FUND CLASS B
#246 COM 55273N756 278 25,427 SHS SOLE 1 25,427
MICROSOFT
CORPORATION COM 594918104 23 260 SHS DEFINED 1 200 60
MICROSOFT
CORPORATION COM 594918104 574 6,400 SHS DEFINED 2 6,400
MICROSOFT
CORPORATION COM 594918104 1,931 21,544 SHS SOLE 1 16,544 5,000
MICROSOFT
CORPORATION COM 594918104 1,129 12,600 SHS SOLE 2 12,600
MICROSOFT
CORPORATION COM 594918104 626 6,990 SHS SOLE 6,990
MINNESOTA
MINING
& MANUFACTURING
CO. COM 604059105 198 2,800 SHS DEFINED 1 2,000 800
MINNESOTA
MINING
& MANUFACTURING
CO. COM 604059105 1,899 26,846 SHS SOLE 1 26,686 160
MINNESOTA
MINING
& MANUFACTURING
CO. COM 604059105 283 4,000 SHS SOLE 4,000
MOBIL CORP COM 607059102 253 2,876 SHS DEFINED 1 2,712 164
MOBIL CORP COM 607059102 123 1,400 SHS DEFINED 2 800 600
MOBIL CORP COM 607059102 3,167 35,991 SHS SOLE 1 34,156 1,835
MOBIL CORP COM 607059102 1,047 11,900 SHS SOLE 2 11,900
MOBIL CORP COM 607059102 1,623 18,440 SHS SOLE 18,440
MONSANTO CO. COM 611662107 69 1,500 SHS DEFINED 1 1,500
MONSANTO CO. COM 611662107 186 4,039 SHS SOLE 1 3,419 620
MONSANTO CO. COM 611662107 413 9,000 SHS SOLE 9,000
MORGAN STANLEY
DEAN WITTER
& COMPANY COM 617446448 286 2,866 SHS DEFINED 1 2,866
MORGAN STANLEY
DEAN WITTER
& COMPANY COM 617446448 3 32 SHS SOLE 1 32
MOTOROLA, INC COM 620076109 81 1,100 SHS DEFINED 1 1,100
MOTOROLA, INC COM 620076109 4,235 57,821 SHS SOLE 1 57,471 350
MUNIVEST FUND,
INCORPORATED COM 626295109 0 5 SHS DEFINED 1 5
MUNIVEST FUND,
INCORPORATED COM 626295109 377 38,459 SHS SOLE 1 38,459
NATIONAL
DEPENDENT
CARE,INC. COM 629005109 0 282,992 SHS SOLE 1 282,992
NATIONAL
SERVICE
INDUSTRIES, INC.COM 637657107 57 1,686 SHS DEFINED 1 1,686
NATIONAL
SERVICE
INDUSTRIES, INC.COM 637657107 213 6,265 SHS SOLE 1 6,265
NORFOLK
SOUTHERN
CORPORATION COM 655844108 177 6,700 SHS DEFINED 1 2,600 4,100
NORFOLK
SOUTHERN
CORPORATION COM 655844108 1,896 71,870 SHS SOLE 1 68,495 3,375
NORFOLK
SOUTHERN
CORPORATION COM 655844108 327 12,417 SHS SOLE 12,417
NUCOR
CORPORATION COM 670346105 946 21,470 SHS SOLE 1 21,270 200
NUVEEN GEORGIA
PREMIUM INCOME
MUNICIPAL FUND COM 67060F102 182 11,206 SHS SOLE 1 11,206
NUVEEN
MUNICIPAL VALUE
FUND COM 670928100 99 10,000 SHS SOLE 2 10,000
NUVEEN
PERFORMANCE
PLUS MUNICIPAL COM 67062P108 324 21,319 SHS SOLE 1 21,319
OMNICOM GROUP,
INC. COM 681919106 224 2,800 SHS DEFINED 2 2,800
OMNICOM GROUP,
INC. COM 681919106 64 800 SHS SOLE 2 800
OPPENHEIMER
MULTI-SECTOR
INCOME TRUST COM 683933105 99 11,470 SHS SOLE 1 11,470
ORACLE
CORPORATION COM 68389X105 399 15,110 SHS DEFINED 1 12,210 1,200 1,700
ORACLE
CORPORATION COM 68389X105 4,206 159,469 SHS SOLE 1 158,404 1,065
P G & E
CORPORATION COM 69331C108 59 1,900 SHS DEFINED 2 1,900
P G & E
CORPORATION COM 69331C108 161 5,178 SHS SOLE 2 5,178
PAB BANKSHARES,
INC. COM 69313P101 1 75 SHS DEFINED 1 75
PAB BANKSHARES,
INC. COM 69313P101 957 59,342 SHS SOLE 1 59,342
PAGING NETWORK
INC COM 695542100 26 5,474 SHS DEFINED 1 5,474
PAGING NETWORK
INC COM 695542100 38 8,000 SHS SOLE 1 8,000
PEPSICO, INC. COM 713448108 266 6,800 SHS DEFINED 1 6,000 800
PEPSICO, INC. COM 713448108 12 300 SHS DEFINED 300
PEPSICO, INC. COM 713448108 103 2,630 SHS SOLE 1 2,630
PEPSICO, INC. COM 713448108 507 12,930 SHS SOLE 12,930
PETCO ANIMAL
SUPPLIES COM 716016100 300 30,000 SHS SOLE 1 30,000
PFIZER INC COM 717081103 1,546 11,144 SHS DEFINED 1 4,000 7,144
PFIZER INC COM 717081103 305 2,200 SHS DEFINED 2 2,200
PFIZER INC COM 717081103 3,696 26,635 SHS SOLE 1 25,135 1,500
PFIZER INC COM 717081103 888 6,400 SHS SOLE 2 6,400
PHILIP MORRIS
COMPANIES INC COM 718154107 91 2,600 SHS DEFINED 1 2,000 600
PHILIP MORRIS
COMPANIES INC COM 718154107 697 19,800 SHS SOLE 1 15,000 4,800
PHILIP MORRIS
COMPANIES INC COM 718154107 1,721 48,900 SHS SOLE 2 47,100 1,800
PPG INDUSTRIES,
INC COM 693506107 205 4,000 SHS DEFINED 1 4,000
PPG INDUSTRIES,
INC COM 693506107 1,364 26,621 SHS SOLE 1 26,466 155
PPG INDUSTRIES,
INC COM 693506107 210 4,100 SHS SOLE 4,100
PREFERRED LAND
CORP (GEORGIA) COM 629994104 0 15,000 SHS SOLE 1 15,000
PROCTOR&GAMBLE COM 742718109 118 1,200 SHS DEFINED 1 200 1,000
PROCTOR&GAMBLE COM 742718109 54 550 SHS DEFINED 2 550
PROCTOR&GAMBLE COM 742718109 4,110 41,965 SHS SOLE 1 41,690 275
PROCTOR&GAMBLE COM 742718109 1,670 17,050 SHS SOLE 2 17,050
PROCTOR&GAMBLE COM 742718109 484 4,946 SHS SOLE 4,946
PROVIDIAN
FINANCIAL
CORPORATION COM 74406A102 233 2,122 SHS SOLE 2,122
PUTNAM TAX
EXEMPT INCOME
FUND CLASS A
#A0B COM 746870104 206 22,547 SHS SOLE 1 22,547
QUALCOMM CORP COM 747525103 261 2,100 SHS DEFINED 1 2,100
RAYTHEON CO. COM 755111309 90 1,566 SHS DEFINED 1 255 111 1,200
RAYTHEON CO. COM 755111309 188 3,264 SHS SOLE 1 3,264
RAYTHEON
COMPANY CLASS B COM 755111408 215 3,668 SHS SOLE 1 3,668
REGIONS
FINANCIAL CORP COM 758940100 443 12,795 SHS SOLE 1 12,795
ROCKWELL
INTERNATIONAL
CORPORATION NEW COM 773903109 272 6,406 SHS SOLE 1 6,406
ROYAL DUTCH
PETROLEUM
COMPANY NY REG
GUILDERS COM 780257804 146 2,800 SHS DEFINED 1 2,800
ROYAL DUTCH
PETROLEUM
COMPANY NY REG
GUILDERS COM 780257804 214 4,120 SHS SOLE 1 4,120
ROYAL DUTCH
PETROLEUM
COMPANY NY REG
GUILDERS COM 780257804 216 4,155 SHS SOLE 4,155
SARA LEE
CORPORATION COM 803111103 198 8,000 SHS DEFINED 1 8,000
SARA LEE
CORPORATION COM 803111103 3,028 122,330 SHS SOLE 1 116,580 5,750
SARA LEE
CORPORATION COM 803111103 325 13,125 SHS SOLE 13,125
SBC
COMMUNICATIONS,
INC. COM 78387G103 613 12,996 SHS DEFINED 1 7,194 5,802
SBC
COMMUNICATIONS,
INC. COM 78387G103 142 3,000 SHS DEFINED 2 300 2,700
SBC
COMMUNICATIONS,
INC. COM 78387G103 28 588 SHS DEFINED 588
SBC
COMMUNICATIONS,
INC. COM 78387G103 4,872 103,249 SHS SOLE 1 102,429 820
SBC
COMMUNICATIONS,
INC. COM 78387G103 428 9,062 SHS SOLE 2 9,062
SBC
COMMUNICATIONS,
INC. COM 78387G103 245 5,182 SHS SOLE 5,182
SCHERING PLOUGH
CORP. COM 806605101 88 1,600 SHS DEFINED 1 1,000 600
SCHERING PLOUGH
CORP. COM 806605101 1,080 19,550 SHS SOLE 1 19,550
SCHERING PLOUGH
CORP. COM 806605101 1,238 22,400 SHS SOLE 2 22,400
SCHERING PLOUGH
CORP. COM 806605101 1,228 22,230 SHS SOLE 22,230
SCHLUMBERGER LD COM 806857108 173 2,875 SHS DEFINED 1 75 2,800
SCHLUMBERGER LD COM 806857108 2,457 40,830 SHS SOLE 1 40,730 100
SCHLUMBERGER LD COM 806857108 211 3,500 SHS SOLE 2 3,500
SCHLUMBERGER LD COM 806857108 235 3,900 SHS SOLE 3,900
SEAGRAM LIMITED COM 811850106 280 5,600 SHS SOLE 2 5,600
SELIGMAN INCOME
FUND CL A #006 COM 816338107 1,293 92,428 SHS SOLE 92,428
SELIGMAN
MUNICIPAL SC
SERIES CLASS A
#036 COM 816346811 172 21,031 SHS DEFINED 21,031
SELIGMAN
MUNICIPAL SC
SERIES CLASS A
#036 COM 816346811 4,675 571,499 SHS SOLE 571,499
SHONEYS,INC. COM 825039100 3 1,080 SHS DEFINED 1 1,080
SHONEYS,INC. COM 825039100 250 100,000 SHS SOLE 1 100,000
SMITHKLINE
BEECHAM PLC
CLASS A ADR COM 832378301 272 3,800 SHS DEFINED 2 3,800
SMITHKLINE
BEECHAM PLC
CLASS A ADR COM 832378301 300 4,200 SHS SOLE 2 4,200
SONOCO PRODUCTS
COMPANY COM 835495102 257 11,180 SHS DEFINED 11,180
SOUTHEASTERN
FACTOR
& FINANCE CORP
(GEORGIA) COM 784991101 0 14,700 SHS SOLE 1 14,700
SOUTHERN CO. COM 842587107 350 15,010 SHS DEFINED 1 4,400 10,610
SOUTHERN CO. COM 842587107 1,959 84,023 SHS SOLE 1 84,023
SOUTHERN CO. COM 842587107 223 9,562 SHS SOLE 2 9,562
SPRINT
CORPORATION
SERIES I PCS COM 852061506 89 2,000 SHS DEFINED 1 2,000
SPRINT
CORPORATION
SERIES I PCS COM 852061506 141 3,192 SHS SOLE 1 2,532 660
SPRINT, CORP COM 852061100 393 4,000 SHS DEFINED 1 4,000
SPRINT, CORP COM 852061100 754 7,684 SHS SOLE 1 5,064 2,620
ST PAUL
COMPANIES, INC. COM 792860108 207 6,672 SHS SOLE 1 6,672
STAPLES INC COM 855030102 269 8,182 SHS SOLE 1 8,182
STATE STREET
CORPORATION COM 857477103 22 270 SHS DEFINED 1 270
STATE STREET
CORPORATION COM 857477103 3,050 37,080 SHS SOLE 1 37,080
STEELCACE INC. COM 858155401 6 12,857 SHS SOLE 12,857
STEIN ROE
INCOME TR
INCOME FUND COM 858420102 120 12,423 SHS DEFINED 1 12,423
STRATEGIC
TECHNOLOGIES,
INC (GEORGIA) COM 786991109 0 38,000 SHS SOLE 1 38,000
SUN
MICROSYSTEMS,
INC. COM 866810104 231 1,848 SHS SOLE 1 1,848
SUNTRUST BANKS
INC COM 867914103 719 11,552 SHS DEFINED 1 1,000 8,652 1,900
SUNTRUST BANKS
INC COM 867914103 218 3,500 SHS DEFINED 2 3,500
SUNTRUST BANKS
INC COM 867914103 16,157 259,546 SHS SOLE 1 259,546
SUNTRUST BANKS
INC COM 867914103 274 4,400 SHS SOLE 2 4,400
SYNOVUS
FINANCIAL CORP. COM 87161C105 296,273 14,452,356 SHS DEFINED 1 11,100 865,583 13,575,673
SYNOVUS
FINANCIAL CORP. COM 87161C105 690 33,646 SHS DEFINED 2 33,646
SYNOVUS
FINANCIAL CORP. COM 87161C105 1,921 93,718 SHS SOLE 93,718
SYNOVUS
FINANCIAL CORP. COM 87161C105 448,530 21,879,492 SHS SOLE 1 20,815,038 37,150 1,027,304
SYNOVUS
FINANCIAL CORP. COM 87161C105 8,425 410,970 SHS SOLE 2 410,970
SYNOVUS
FINANCIAL CORP. COM 87161C105 4,548 221,865 SHS SOLE 221,865
SYNOVUS
FINANCIAL CORP. COM 87161C105 3,973 193,803 SHS DEFINED 103,159 90,644
T C A CABLE TV COM 872241104 261 6,000 SHS DEFINED 1 6,000
T ROWE PRICE
SPECTRUM INCOME
FUND # 88 COM 779906106 168 14,917 SHS DEFINED 1 14,917
T. ROWE PRICE
ASSOCIATES COM 741477103 2,724 79,245 SHS SOLE 1 78,195 1,050
TECO ENERGY INC.COM 872375100 197 9,900 SHS DEFINED 2 9,900
TECO ENERGY INC.COM 872375100 778 39,150 SHS SOLE 2 39,150
TENNECO
INCORPORATED
(NEW) COM 88037E101 13 473 SHS DEFINED 1 400 73
TENNECO
INCORPORATED
(NEW) COM 88037E101 984 35,236 SHS SOLE 1 35,031 205
TEXACO INC COM 881694103 79 1,400 SHS DEFINED 1 200 1,200
TEXACO INC COM 881694103 245 4,322 SHS SOLE 1 4,322
TEXAS
INSTRUMENTS INC COM 882508104 199 2,000 SHS DEFINED 1 2,000
TEXAS
INSTRUMENTS INC COM 882508104 4,462 44,955 SHS SOLE 1 44,555 400
TIME WARNER INC COM 887315109 212 3,000 SHS DEFINED 1 3,000
TIME WARNER INC COM 887315109 198 2,800 SHS DEFINED 2 2,800
TIME WARNER INC COM 887315109 18 260 SHS SOLE 1 260
TIME WARNER INC COM 887315109 142 2,000 SHS SOLE 2 2,000
TOTAL SYSTEM
SERVICES, INC. COM 891906109 5,525 294,649 SHS DEFINED 1 1,750 287,499 5,400
TOTAL SYSTEM
SERVICES, INC. COM 891906109 18,805 1,002,931 SHS SOLE 1 965,381 37,550
TRICON GLOBAL
RESTAURANTS
INCORPORATED COM 895953107 2 30 SHS DEFINED 30
TRICON GLOBAL
RESTAURANTS
INCORPORATED COM 895953107 280 3,980 SHS SOLE 3,980
TYCO
INTERNATIONAL
LIMITED (NEW) COM 902124106 158 2,200 SHS DEFINED 2 2,200
TYCO
INTERNATIONAL
LIMITED (NEW) COM 902124106 201 2,800 SHS SOLE 2 2,800
U S WEST
INC. NEW COM 91273H101 191 3,465 SHS DEFINED 1 2,465 1,000
U S WEST
INC.NEW COM 91273H101 151 2,748 SHS SOLE 1 2,748
U.S. GOVT
SECURITIES FUND
#22 AMERICAN
FUNDS COM 026300103 138 10,545 SHS SOLE 10,545
UNION CAMP
CORPORATION COM 905530101 336 5,000 SHS DEFINED 1 5,000
UNION CAMP
CORPORATION COM 905530101 94 1,400 SHS SOLE 1 1,400
UNION PLANTERS
CORP COM 908068109 270 6,150 SHS SOLE 1 6,150
UNIPHASE
CORPORATION COM 909149106 230 2,000 SHS SOLE 1 2,000
UNITED
HEALTHCARE
CORPORATION COM 910581107 2,008 38,156 SHS SOLE 1 37,596 560
UNITED
TECHNOLOGIES
CORP COM 913017109 244 1,800 SHS SOLE 1,800
VANGUARD BOND
INDEX TOTAL
BOND MARKET
FUND #84 COM 921937108 192 19,086 SHS DEFINED 1 19,086
VANGUARD BOND
INDEX TOTAL
BOND MARKET
FUND #84 COM 921937108 16 1,577 SHS SOLE 1 1,577
VANGUARD FIXED
INCOME SHORT
TERM CORP BOND
FUND #39 COM 922031406 199 18,438 SHS DEFINED 1 18,438
VANGUARD FIXED
INCOME SHORT
TERM CORP BOND
FUND #39 COM 922031406 22 2,055 SHS SOLE 1 2,055
VANGUARD FIXED
SECURITIES FUND
- - - GNMA
PORTFOLIO #36 COM 922031307 163 15,781 SHS DEFINED 1 9,152 2,949 3,678
VANGUARD FIXED
SECURITIES FUND
- - - GNMA
PORTFOLIO #36 COM 922031307 473 45,722 SHS DEFINED 2 9,042 36,679
VANGUARD FIXED
SECURITIES FUND
- - - GNMA
PORTFOLIO #36 COM 922031307 2,831 273,557 SHS SOLE 1 246,095 1,913 25,547
VANGUARD FIXED
SECURITIES FUND
- - - GNMA
PORTFOLIO #36 COM 922031307 2,667 257,696 SHS SOLE 2 252,433 5,263
VLASSIC FOODS
INTERNATIONAL COM 928559103 129 10,000 SHS DEFINED 1 10,000
VODAFONE GROUP
PUBLIC COM 92857T107 638 3,400 SHS SOLE 1 3,400
WACHOVIA
CORPORATION COM 929771103 168 2,072 SHS DEFINED 1 672 1,400
WACHOVIA
CORPORATION COM 929771103 6,066 74,715 SHS SOLE 1 69,781 4,934
WALGREEN CO. COM 931422109 283 10,000 SHS DEFINED 2 10,000
WALGREEN CO. COM 931422109 286 10,120 SHS SOLE 2 10,120
WAL-MART
STORES, INC. COM 931142103 655 7,100 SHS DEFINED 1 3,000 4,100
WAL-MART
STORES, INC. COM 931142103 157 1,700 SHS DEFINED 2 1,700
WAL-MART
STORES, INC. COM 931142103 1,954 21,200 SHS SOLE 1 21,200
WAL-MART
STORES, INC. COM 931142103 2,508 27,200 SHS SOLE 2 27,200
WAL-MART
STORES, INC. COM 931142103 686 7,439 SHS SOLE 7,439
WALT DISNEY
PRODUCTIONS COM 254687106 37 1,200 SHS DEFINED 1 1,200
WALT DISNEY
PRODUCTIONS COM 254687106 19 600 SHS DEFINED 2 600
WALT DISNEY
PRODUCTIONS COM 254687106 2,193 70,459 SHS SOLE 1 70,159 300
WALT DISNEY
PRODUCTIONS COM 254687106 1,086 34,900 SHS SOLE 2 34,900
WARBURG PINCUS
GLOBAL FIXED
INCOME FUND #8 COM 933907107 134 12,655 SHS DEFINED 1 12,655
WARNER LAMBERT
CO COM 934488107 20 300 SHS DEFINED 1 300
WARNER LAMBERT
CO COM 934488107 1,310 19,771 SHS SOLE 1 19,771
WARNER LAMBERT
CO COM 934488107 739 11,152 SHS SOLE 2 11,152
WARNER LAMBERT
CO COM 934488107 614 9,275 SHS SOLE 9,275
WELLS FARGO
& COMPANY NEW COM 949746101 210 6,000 SHS DEFINED 1 400 3,600 2,000
WELLS FARGO
& COMPANY NEW COM 949746101 172 4,900 SHS SOLE 1 4,900
WELLS FARGO
& COMPANY NEW COM 949746101 231 6,600 SHS SOLE 6,600
WINN-DIXIE
STORES, INC. COM 974280109 1,629 43,596 SHS DEFINED 2 43,596
WINN-DIXIE
STORES, INC. COM 974280109 1,214 32,490 SHS SOLE 1 32,490
WINN-DIXIE
STORES, INC. COM 974280109 2,287 61,186 SHS SOLE 2 61,186
WISCONSIN
ENERGY CORP COM 976657106 220 8,450 SHS SOLE 1 8,450
XEROX CORP COM 984121103 17 320 SHS DEFINED 1 320
XEROX CORP COM 984121103 4,065 77,992 SHS SOLE 1 77,362 630
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