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, 2000
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 4/26/2000
[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: 610
Form 13F Information Table Value Total: 1,871,158
(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 28-7448 Synovus Trust Company (Florida)
<TABLE>
<CAPTION>
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8
Title Sh/Put
Name of Value Shares or Prn Investment Other Voting Authority
of Issuer Class Cusip (x$1000) Prn Amt Call Discretion Managers Sole Shared None
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ABBOTT LABS COM 002824100 4 125 SH DEFINED 125
ABBOTT LABS COM 002824100 122 3,480 SH DEFINED 1 3,480
ABBOTT LABS COM 002824100 461 13,100 SH SOLE 13,100
ABBOTT LABS COM 002824100 301 8,540 SH SOLE 1 8,540
ADOBE SYSTEMS, INC COM 00724F101 434 3,900 SH DEFINED 2 3,900
AEGON N V AEGON AMER COM 007924103 239 2,973 SH SOLE 2,973
AFLAC, INCORPORATED COM 001055102 4,118 90,372 SH DEFINED 1 13,564 76,808
AFLAC, INCORPORATED COM 001055102 19,908 436,938 SH SOLE 1 436,018 920
AIR PRODUCTS & CHEMIC COM 009158106 1,060 37,280 SH SOLE 1 37,040 240
ALCOA INC COM 013817101 250 3,553 SH DEFINED 1 1,153 2,400
ALCOA INC COM 013817101 722 10,275 SH SOLE 1 10,275
ALLSTATE CORPORATION COM 020002101 264 11,076 SH SOLE 11,076
ALLTEL CORPORATION COM 020039103 366 5,796 SH SOLE 5,796
ALLTEL CORPORATION COM 020039103 474 7,517 SH SOLE 1 7,197 320
AMERICA ONLINE, INC. COM 02364J104 115 1,700 SH DEFINED 1 135 125 1,440
AMERICA ONLINE, INC. COM 02364J104 598 8,870 SH SOLE 1 6,870 2,000
AMERICAN BOND FUND OF COM 097873103 188 14,598 SH SOLE 14,598
AMERICAN EXPRESS COMP COM 025816109 529 3,550 SH DEFINED 1 1,300 700 1,550
AMERICAN EXPRESS COMP COM 025816109 633 4,253 SH SOLE 1 4,253
AMERICAN HIGH-INCOME COM 026547109 336 25,332 SH SOLE 25,332
AMERICAN HOME PRODUCT COM 026609107 311 5,782 SH DEFINED 1 3,800 1,982
AMERICAN HOME PRODUCT COM 026609107 465 8,649 SH SOLE 8,649
AMERICAN HOME PRODUCT COM 026609107 5,459 101,567 SH SOLE 1 100,837 730
AMERICAN HOME PRODUCT COM 026609107 301 5,600 SH SOLE 2 5,600
AMERICAN INTERNATIONA COM 026874107 9 86 SH DEFINED 86
AMERICAN INTERNATIONA COM 026874107 231 2,107 SH SOLE 2,107
AMERICAN SUPERCONDUCT COM 030111108 267 6,000 SH DEFINED 1 6,000
AMGEN INC COM 031162100 32 520 SH DEFINED 520
AMGEN INC COM 031162100 737 12,000 SH DEFINED 1 12,000
AMGEN INC COM 031162100 430 7,000 SH DEFINED 2 7,000
AMGEN INC COM 031162100 393 6,400 SH SOLE 6,400
AMGEN INC COM 031162100 634 10,331 SH SOLE 1 10,331
ANHEUSER BUSCH COMPAN COM 035229103 249 4,000 SH DEFINED 1 4,000
ANHEUSER BUSCH COMPAN COM 035229103 37 600 SH DEFINED 2 600
ANHEUSER BUSCH COMPAN COM 035229103 181 2,900 SH SOLE 1 2,900
ANHEUSER BUSCH COMPAN COM 035229103 249 4,000 SH SOLE 2 4,000
APPLIED MATERIALS INC COM 038222105 5,253 55,740 SH SOLE 1 55,740
ARCHER-DANIELS-MIDLAN COM 039483102 207 20,048 SH DEFINED 1 20,048
ARCHER-DANIELS-MIDLAN COM 039483102 14 1,400 SH SOLE 1 1,400
AT&T CORP COM 001957109 104 1,845 SH DEFINED 1,350 495
AT&T CORP COM 001957109 873 15,501 SH DEFINED 1 13,317 2,184
AT&T CORP COM 001957109 76 1,350 SH DEFINED 2 450 900
AT&T CORP COM 001957109 68 1,215 SH DEFINED 1,215
AT&T CORP COM 001957109 1,147 20,361 SH SOLE 20,361
AT&T CORP COM 001957109 5,782 102,681 SH SOLE 1 102,681
AT&T CORP COM 001957109 819 14,541 SH SOLE 2 14,541
AT&T CORP COM 001957109 191 3,395 SH SOLE 2,028 1,367
AT&T CORPORATION COMM COM 001957208 475 8,000 SH DEFINED 2 8,000
ATLANTIC RICHFIELD CO COM 048825103 94 1,100 SH DEFINED 1 1,100
ATLANTIC RICHFIELD CO COM 048825103 3,095 36,408 SH SOLE 1 36,408
AUTOMATIC DATA PROCES COM 053015103 212 4,400 SH DEFINED 1 4,400
AUTOMATIC DATA PROCES COM 053015103 585 12,119 SH SOLE 1 12,119
BANK OF AMERICA CORP COM 060505104 6 112 SH DEFINED 112
BANK OF AMERICA CORP COM 060505104 511 9,739 SH DEFINED 1 168 5,236 4,335
BANK OF AMERICA CORP COM 060505104 783 14,928 SH DEFINED 2 840 12,139 1,949
BANK OF AMERICA CORP COM 060505104 2,789 53,178 SH SOLE 51,706 1,472
BANK OF AMERICA CORP COM 060505104 5,076 96,798 SH SOLE 1 93,594 3,204
BANK OF AMERICA CORP COM 060505104 1,144 21,814 SH SOLE 2 21,814
BANK ONE CORPORATION COM 06423A103 39 1,132 SH DEFINED 1 1,132
BANK ONE CORPORATION COM 06423A103 2,240 65,157 SH SOLE 1 64,937 220
BB & T CORPORATION COM 054937107 209 7,442 SH SOLE 1 7,442
BELL ATLANTIC CORPORA COM 077853109 107 1,748 SH DEFINED 1,600 148
BELL ATLANTIC CORPORA COM 077853109 644 10,528 SH DEFINED 1 6,672 3,856
BELL ATLANTIC CORPORA COM 077853109 69 1,136 SH DEFINED 2 800 336
BELL ATLANTIC CORPORA COM 077853109 330 5,402 SH SOLE 5,402
BELL ATLANTIC CORPORA COM 077853109 2,593 42,414 SH SOLE 1 42,414
BELL ATLANTIC CORPORA COM 077853109 939 15,370 SH SOLE 2 15,370
BELLSOUTH CORPORATION COM 079860102 180 3,832 SH DEFINED 2,400 1,432
BELLSOUTH CORPORATION COM 079860102 3,568 76,121 SH DEFINED 1 7,455 65,242 3,424
BELLSOUTH CORPORATION COM 079860102 783 16,700 SH DEFINED 2 15,800 900
BELLSOUTH CORPORATION COM 079860102 1,079 23,018 SH SOLE 22,838 180
BELLSOUTH CORPORATION COM 079860102 8,475 180,801 SH SOLE 1 174,959 5,842
BELLSOUTH CORPORATION COM 079860102 3,155 67,298 SH SOLE 2 67,298
BERKSHIRE HATHAWAY, I COM 084670108 1,201 21 SH SOLE 1 21
BESTFOODS INCORPORATE COM 08658U101 42 900 SH DEFINED 1 900
BESTFOODS INCORPORATE COM 08658U101 316 6,750 SH SOLE 6,050 700
BESTFOODS INCORPORATE COM 08658U101 3,491 74,573 SH SOLE 1 71,923 2,650
BESTFOODS INCORPORATE COM 08658U101 375 8,000 SH SOLE 2 8,000
BLACKROCK BROAD INVES COM 09247Q106 199 17,825 SH DEFINED 1 17,825
BOLLINGER INDUSTRIES COM 097676100 12 28,000 SH SOLE 1 28,000
BOLLINGER INDUSTRIES COM 097676993 45 110,000 SH SOLE 1 110,000
BP AMOCO PLC SPONSORE COM 055622104 10 184 SH DEFINED 184
BP AMOCO PLC SPONSORE COM 055622104 505 9,486 SH DEFINED 1 4,246 5,240
BP AMOCO PLC SPONSORE COM 055622104 430 8,070 SH DEFINED 2 8,070
BP AMOCO PLC SPONSORE COM 055622104 233 4,384 SH SOLE 4,384
BP AMOCO PLC SPONSORE COM 055622104 1,998 37,526 SH SOLE 1 34,646 2,880
BP AMOCO PLC SPONSORE COM 055622104 275 5,158 SH SOLE 2 5,158
BRISTOL-MYERS SQUIBB COM 110122108 942 16,238 SH DEFINED 1 5,450 7,028 3,760
BRISTOL-MYERS SQUIBB COM 110122108 75 1,300 SH DEFINED 2 500 800
BRISTOL-MYERS SQUIBB COM 110122108 1,816 31,317 SH SOLE 31,317
BRISTOL-MYERS SQUIBB COM 110122108 5,151 88,818 SH SOLE 1 87,298 700 820
BRISTOL-MYERS SQUIBB COM 110122108 1,768 30,480 SH SOLE 2 30,480
BUILDING MATERIALS HO COM 120113105 91 10,000 SH DEFINED 1 10,000
BUTLER FIFTH GENERATI COM 056010309 8,144 169,769 SH SOLE 1 169,769
CAROLINA POWER & LIGH COM 144141108 149 4,600 SH DEFINED 1 4,600
CAROLINA POWER & LIGH COM 144141108 182 5,600 SH SOLE 1 5,600
CATERPILLAR, INC. COM 149123101 244 6,180 SH DEFINED 1 180 6,000
CATERPILLAR, INC. COM 149123101 31 775 SH SOLE 1 775
CBS CORPORATION COM 12490K107 453 8,000 SH DEFINED 1 8,000
CBS CORPORATION COM 12490K107 18 325 SH SOLE 1 325
CENTURY SOUTH BANKS I COM 156683104 245 11,689 SH SOLE 1 11,689
CHEVRON CORPORATION COM 166751107 441 4,770 SH DEFINED 1 2,622 1,248 900
CHEVRON CORPORATION COM 166751107 268 2,900 SH DEFINED 2 2,900
CHEVRON CORPORATION COM 166751107 229 2,480 SH SOLE 2,280 200
CHEVRON CORPORATION COM 166751107 3,984 43,094 SH SOLE 1 42,799 295
CHEVRON CORPORATION COM 166751107 1,512 16,352 SH SOLE 2 16,352
CHUBB CORPORATION COM 171232101 5,678 84,044 SH DEFINED 1 1,744 82,300
CHUBB CORPORATION COM 171232101 2,967 43,909 SH SOLE 1 43,749 160
CISCO SYSTEMS COM 17275R102 8 108 SH DEFINED 108
CISCO SYSTEMS COM 17275R102 1,079 13,960 SH DEFINED 1 6,560 7,400
CISCO SYSTEMS COM 17275R102 711 9,200 SH DEFINED 2 8,200 1,000
CISCO SYSTEMS COM 17275R102 63 818 SH DEFINED 818
CISCO SYSTEMS COM 17275R102 3,169 40,992 SH SOLE 40,992
CISCO SYSTEMS COM 17275R102 3,426 44,314 SH SOLE 1 42,314 2,000
CISCO SYSTEMS COM 17275R102 510 6,600 SH SOLE 2 6,600
CISCO SYSTEMS COM 17275R102 186 2,404 SH SOLE 2,404
CITIGROUP INCORPORATE COM 172967101 25 410 SH DEFINED 410
CITIGROUP INCORPORATE COM 172967101 1,226 20,468 SH DEFINED 1 8,000 12,468
CITIGROUP INCORPORATE COM 172967101 44 730 SH DEFINED 730
CITIGROUP INCORPORATE COM 172967101 828 13,832 SH SOLE 13,832
CITIGROUP INCORPORATE COM 172967101 803 13,407 SH SOLE 1 12,657 750
CITIGROUP INCORPORATE COM 172967101 250 4,182 SH SOLE 2,567 1,615
CLOROX COMPANY COM 189054109 20 596 SH DEFINED 1 596
CLOROX COMPANY COM 189054109 224 6,800 SH SOLE 1 6,800
COASTAL CORPORATION COM 190441105 1,903 39,655 SH SOLE 1 39,655
COCA COLA COMPANY COM 191216100 14 292 SH DEFINED 292
COCA COLA COMPANY COM 191216100 23,145 493,100 SH DEFINED 1 56,359 422,657 14,084
COCA COLA COMPANY COM 191216100 5,356 114,100 SH DEFINED 2 114,100
COCA COLA COMPANY COM 191216100 560 11,920 SH SOLE 11,920
COCA COLA COMPANY COM 191216100 394,801 8,411,118 SH SOLE 1 8,363,251 47,867
COCA COLA COMPANY COM 191216100 103,205 2,198,741 SH SOLE 2 2,097,781 100,960
COLGATE-PALMOLIVE COM COM 194162103 8 146 SH DEFINED 146
COLGATE-PALMOLIVE COM COM 194162103 216 3,840 SH DEFINED 2 3,840
COLGATE-PALMOLIVE COM COM 194162103 395 7,000 SH SOLE 7,000
COLGATE-PALMOLIVE COM COM 194162103 2,735 48,506 SH SOLE 1 48,506
COLGATE-PALMOLIVE COM COM 194162103 124 2,200 SH SOLE 2 2,200
COLUMBIA/HCA HEALTHCA COM 197677107 787 31,085 SH SOLE 1 31,085
COMPAQ COMPUTER CORP COM 204493100 162 6,060 SH DEFINED 1 4,000 2,060
COMPAQ COMPUTER CORP COM 204493100 4,345 162,427 SH SOLE 1 160,744 1,683
CONAGRA, INC. COM 205887102 1,740 96,005 SH SOLE 1 96,005
CONEXANT SYSTEMS INCO COM 207142100 220 3,100 SH DEFINED 2 3,100
CONEXANT SYSTEMS INCO COM 207142100 21 300 SH SOLE 2 300
CONOCO INCORPORATED COM 208251306 246 10,000 SH DEFINED 1 10,000
CONSECO INCORPORATED COM 208464107 179 15,675 SH SOLE 15,675
CORNING INCORPORATED COM 219350105 446 2,300 SH DEFINED 2 2,300
CORNING INCORPORATED COM 219350105 456 2,350 SH SOLE 2,350
CORPAS INVESTMENTS, I COM 21986N103 20 13,333 SH SOLE 1 13,333
COSTCO WBSL CORPORATI COM 22160K105 378 7,200 SH DEFINED 2 7,200
COUSINS PROPERTIES IN COM 222795106 74 2,000 SH DEFINED 1 2,000
COUSINS PROPERTIES IN COM 222795106 295 8,000 SH SOLE 1 8,000
COX COMMUNICATIONS, I COM 224044107 216 4,450 SH DEFINED 1 4,450
COX COMMUNICATIONS, I COM 224044107 5 100 SH SOLE 1 100
CUSTOM CAR CARE CO DE COM 126990100 0 20,000 SH SOLE 1 20,000
DARDEN RESTAURANTS IN COM 237194105 223 12,500 SH DEFINED 1 8,000 4,500
DARDEN RESTAURANTS IN COM 237194105 632 35,482 SH SOLE 1 35,482
DEERE AND CO COM 244199105 217 5,705 SH SOLE 1 5,705
DELL COMPUTER CORPORA COM 247025109 135 2,500 SH DEFINED 1 2,500
DELL COMPUTER CORPORA COM 247025109 212 3,927 SH SOLE 1 2,015 1,912
DEVELOPERS-INVESTORS, COM 232990AA9 456 450,000 SH SOLE 1
DOW CHEMICAL COMPANY COM 260543103 125 1,096 SH DEFINED 1 1,096
DOW CHEMICAL COMPANY COM 260543103 197 1,727 SH SOLE 1 1,727
DUKE ENERGY CORPORATI COM 264399106 11 200 SH DEFINED 200
DUKE ENERGY CORPORATI COM 264399106 822 15,650 SH DEFINED 1 2,000 8,650 5,000
DUKE ENERGY CORPORATI COM 264399106 21 400 SH DEFINED 2 400
DUKE ENERGY CORPORATI COM 264399106 423 8,049 SH SOLE 8,049
DUKE ENERGY CORPORATI COM 264399106 120 2,293 SH SOLE 1 2,293
DUKE ENERGY CORPORATI COM 264399106 215 4,100 SH SOLE 2 4,100
DUN AND BRADSTREET NE COM 26483B106 279 9,750 SH SOLE 9,750
E. I. DUPONT DE NEMOU COM 263534109 794 14,997 SH DEFINED 1 6,292 5,505 3,200
E. I. DUPONT DE NEMOU COM 263534109 79 1,500 SH DEFINED 2 1,500
E. I. DUPONT DE NEMOU COM 263534109 2,601 49,139 SH SOLE 49,139
E. I. DUPONT DE NEMOU COM 263534109 1,845 34,854 SH SOLE 1 34,589 265
E. I. DUPONT DE NEMOU COM 263534109 217 4,100 SH SOLE 2 4,100
EARTH SCIENCES, INC. COM 270312200 3 10,000 SH SOLE 1 10,000
EASTMAN KODAK CO. COM 277461109 273 5,020 SH DEFINED 1 4,000 300 720
EASTMAN KODAK CO. COM 277461109 189 3,479 SH SOLE 1 2,815 664
EATON VANCE MARATHON COM 27826L843 95 10,195 SH SOLE 1 10,195
ECHELON CORPORATION COM 27874N105 485 7,400 SH SOLE 1 7,400
EDISON INTERNATIONAL COM 281020107 13 800 SH DEFINED 2 800
EDISON INTERNATIONAL COM 281020107 260 15,685 SH SOLE 2 15,685
EL PASO ENERGY CORPOR COM 283905107 200 4,960 SH SOLE 4,960
ELECTRONIC DATA SYSTE COM 285661104 90 1,400 SH DEFINED 1 1,400
ELECTRONIC DATA SYSTE COM 285661104 252 3,926 SH SOLE 3,926
ELECTRONIC DATA SYSTE COM 285661104 3,441 53,607 SH SOLE 1 50,382 3,225
EMC CORP COM 268648102 536 4,250 SH DEFINED 2 4,100 150
EMC CORP COM 268648102 307 2,440 SH SOLE 1 2,440
EMC CORP COM 268648102 756 6,000 SH SOLE 2 6,000
EMERSON ELECTRIC CO. COM 291011104 420 7,900 SH DEFINED 1 3,000 400 4,500
EMERSON ELECTRIC CO. COM 291011104 3,162 59,512 SH SOLE 1 59,252 260
ENRON CORPORATION COM 293561106 412 5,500 SH DEFINED 2 5,500
ENRON CORPORATION COM 293561106 4,083 54,529 SH SOLE 53,729 800
EQUIFAX, INCORPORATED COM 294429105 259 10,239 SH DEFINED 1 6,239 4,000
EQUIFAX, INCORPORATED COM 294429105 106 4,200 SH SOLE 1 4,200
EXXON MOBIL CORPORATI COM 30231G102 37 477 SH DEFINED 477
EXXON MOBIL CORPORATI COM 30231G102 3,206 41,129 SH DEFINED 1 3,095 31,842 6,192
EXXON MOBIL CORPORATI COM 30231G102 906 11,624 SH DEFINED 2 10,432 1,192
EXXON MOBIL CORPORATI COM 30231G102 139 1,781 SH DEFINED 1,781
EXXON MOBIL CORPORATI COM 30231G102 6,197 79,513 SH SOLE 79,113 400
EXXON MOBIL CORPORATI COM 30231G102 11,345 145,569 SH SOLE 1 143,805 1,764
EXXON MOBIL CORPORATI COM 30231G102 3,852 49,422 SH SOLE 2 49,422
EXXON MOBIL CORPORATI COM 30231G102 238 3,056 SH SOLE 3,056
FANNIE MAE COM 313586109 5 91 SH DEFINED 91
FANNIE MAE COM 313586109 117 2,060 SH DEFINED 1 1,660 400
FANNIE MAE COM 313586109 269 4,750 SH DEFINED 2 4,300 450
FANNIE MAE COM 313586109 386 6,825 SH SOLE 6,825
FANNIE MAE COM 313586109 3,718 65,731 SH SOLE 1 65,481 250
FANNIE MAE COM 313586109 119 2,100 SH SOLE 2 2,100
FEDERATED FUND #09 U. COM 31428M100 335 32,583 SH DEFINED 1 915 10,556 21,111
FEDERATED FUND #09 U. COM 31428M100 137 13,361 SH SOLE 1 13,361
FEDERATED FUND #47 U. COM 31428P103 107 10,299 SH DEFINED 1 10,299
FEDERATED FUND #47 U. COM 31428P103 333 32,146 SH SOLE 1 32,146
FEDERATED GNMA TRUST COM 314184102 98 9,084 SH DEFINED 1 1,975 7,059 48
FEDERATED GNMA TRUST COM 314184102 29 2,673 SH SOLE 1 2,673
FEDERATED HIGH YIELD COM 314197104 58 7,446 SH DEFINED 1 5,597 1,849
FEDERATED HIGH YIELD COM 314197104 1,792 230,690 SH SOLE 1 217,194 13,495
FEDERATED INCOME TRUS COM 314199100 317 32,191 SH SOLE 32,191
FEDERATED SHORT TERM COM 31420C209 157 18,422 SH DEFINED 1 18,422
FEDERATED SHORT TERM COM 31420C209 328 38,460 SH SOLE 1 38,460
FIDELITY GOVERNMENT I COM 316172105 150 15,844 SH SOLE 15,844
FIDELITY INCOME FUND COM 31617K204 113 10,894 SH DEFINED 1 10,894
FIDELITY INSTITUTIONA COM 315809400 32 3,519 SH DEFINED 1 1,711 1,808
FIDELITY INSTITUTIONA COM 315809400 810 89,634 SH SOLE 1 82,065 7,569
FIDELITY INTERMEDIATE COM 31617K303 145 15,561 SH DEFINED 1 11,442 4,119
FIDELITY U.S. BOND IN COM 315911107 141 13,803 SH DEFINED 1 13,803
FIRST AUSTRALIA PRIME COM 318653102 64 14,222 SH SOLE 2 14,222
FIRST SOUTHEASTERN CO COM 303999106 0 12,108 SH SOLE 1 12,108
FIRST TENNESSEE NATIO COM 337162101 401 19,744 SH DEFINED 1 19,744
FIRST UNION CORPORATI COM 337358105 1,093 29,336 SH DEFINED 1 5,000 24,336
FIRST UNION CORPORATI COM 337358105 783 21,015 SH SOLE 1 21,015
FLEETBOSTON FINANCIAL COM 339030108 64 1,746 SH DEFINED 1 900 846
FLEETBOSTON FINANCIAL COM 339030108 3,397 93,057 SH SOLE 1 93,057
FLOWERS INDUSTRIES, I COM 343496105 202 13,325 SH DEFINED 1 2,025 11,300
FLOWERS INDUSTRIES, I COM 343496105 966 63,604 SH SOLE 1 63,604
FORD MOTOR COMPANY COM 345370100 88 1,906 SH DEFINED 1 1,906
FORD MOTOR COMPANY COM 345370100 221 4,800 SH SOLE 4,800
FORD MOTOR COMPANY COM 345370100 3,526 76,766 SH SOLE 1 76,136 630
FPL GROUP, INC. COM 302571104 120 2,600 SH DEFINED 1 2,600
FPL GROUP, INC. COM 302571104 102 2,205 SH SOLE 1 2,205
FRANKLIN CUSTODIAN FU COM 353496300 21 9,954 SH DEFINED 1 9,882 72
FRANKLIN CUSTODIAN FU COM 353496607 74 11,249 SH DEFINED 1 2,366 8,710 172
FRANKLIN CUSTODIAN FU COM 353496300 21 9,944 SH SOLE 1 9,944
FRANKLIN CUSTODIAN FU COM 353496607 51 7,799 SH SOLE 1 7,799
FRANKLIN TAX FREE TRU COM 354723702 149 14,095 SH DEFINED 14,095
FRANKLIN TAX FREE TRU COM 354723702 179 16,976 SH SOLE 1 16,976
GENENTECH, INC COM 368710406 365 2,400 SH DEFINED 2 2,400
GENERAL ELECTRIC COMP COM 369604103 180 1,157 SH DEFINED 800 357
GENERAL ELECTRIC COMP COM 369604103 8,962 57,588 SH DEFINED 1 7,850 35,421 14,317
GENERAL ELECTRIC COMP COM 369604103 1,899 12,200 SH DEFINED 2 9,400 2,800
GENERAL ELECTRIC COMP COM 369604103 31 200 SH DEFINED 200
GENERAL ELECTRIC COMP COM 369604103 6,175 39,679 SH SOLE 38,879 800
GENERAL ELECTRIC COMP COM 369604103 19,777 127,080 SH SOLE 1 119,366 7,714
GENERAL ELECTRIC COMP COM 369604103 8,442 54,245 SH SOLE 2 54,245
GENERAL ELECTRIC COMP COM 369604103 312 2,005 SH SOLE 2,005
GENERAL MILLS, INC. COM 370334104 1,942 53,666 SH DEFINED 1 24,482 29,184
GENERAL MILLS, INC. COM 370334104 4,489 124,048 SH SOLE 1 124,048
GENERAL MOTORS CORPOR COM 370442105 129 1,558 SH DEFINED 1 208 800 550
GENERAL MOTORS CORPOR COM 370442832 224 1,800 SH DEFINED 2 1,800
GENERAL MOTORS CORPOR COM 370442105 331 4,002 SH SOLE 4,002
GENERAL MOTORS CORPOR COM 370442105 187 2,259 SH SOLE 1 2,259
GENUINE PARTS COMPANY COM 372460105 105 4,386 SH DEFINED 1 1,686 2,700
GENUINE PARTS COMPANY COM 372460105 1,116 46,739 SH SOLE 1 46,739
GEORGIA PACIFIC CORPO COM 373298108 56 1,404 SH DEFINED 1,404
GEORGIA PACIFIC CORPO COM 373298108 592 14,964 SH SOLE 14,824 140
GEORGIA PACIFIC TIMBE COM 373298702 18 702 SH DEFINED 702
GEORGIA PACIFIC TIMBE COM 373298702 192 7,482 SH SOLE 7,412 70
GILLETTE CO COM 375766102 743 19,725 SH DEFINED 1 7,700 8,825 3,200
GILLETTE CO COM 375766102 121 3,200 SH DEFINED 2 3,200
GILLETTE CO COM 375766102 305 8,087 SH SOLE 1 6,744 1,343
GILLETTE CO COM 375766102 262 6,940 SH SOLE 2 6,940
GPU INCORPORATED COM 36225X100 1,293 47,240 SH SOLE 1 47,240
GTE CORPORATION COM 362320103 43 600 SH DEFINED 600
GTE CORPORATION COM 362320103 500 7,041 SH DEFINED 1 2,917 2,831 1,293
GTE CORPORATION COM 362320103 43 600 SH DEFINED 2 400 200
GTE CORPORATION COM 362320103 197 2,771 SH SOLE 2,771
GTE CORPORATION COM 362320103 9,540 134,364 SH SOLE 1 131,711 325 2,328
GTE CORPORATION COM 362320103 320 4,500 SH SOLE 2 4,500
H J HEINZ COMPANY COM 423074103 234 6,700 SH DEFINED 1 3,000 3,700
H J HEINZ COMPANY COM 423074103 44 1,275 SH SOLE 1 1,275
H J HEINZ COMPANY COM 423074103 258 7,400 SH SOLE 2 7,400
HALLIBURTON COMPANY COM 406216101 66 1,600 SH DEFINED 1 1,600
HALLIBURTON COMPANY COM 406216101 290 7,052 SH SOLE 1 7,052
HEWLETT PACKARD CO COM 428236103 25 187 SH DEFINED 187
HEWLETT PACKARD CO COM 428236103 640 4,829 SH DEFINED 1 897 932 3,000
HEWLETT PACKARD CO COM 428236103 106 800 SH DEFINED 2 800
HEWLETT PACKARD CO COM 428236103 1,627 12,271 SH SOLE 12,271
HEWLETT PACKARD CO COM 428236103 7,559 57,021 SH SOLE 1 56,261 760
HEWLETT PACKARD CO COM 428236103 557 4,200 SH SOLE 2 4,200
HOME DEPOT INCORPORAT COM 437076102 65 1,011 SH DEFINED 1,011
HOME DEPOT INCORPORAT COM 437076102 646 10,011 SH DEFINED 1 4,020 4,260 1,731
HOME DEPOT INCORPORAT COM 437076102 731 11,340 SH DEFINED 2 10,950 390
HOME DEPOT INCORPORAT COM 437076102 31 487 SH DEFINED 487
HOME DEPOT INCORPORAT COM 437076102 1,353 20,971 SH SOLE 20,971
HOME DEPOT INCORPORAT COM 437076102 8,811 136,612 SH SOLE 1 134,462 2,150
HOME DEPOT INCORPORAT COM 437076102 348 5,400 SH SOLE 2 5,400
HOME DEPOT INCORPORAT COM 437076102 221 3,432 SH SOLE 1,950 1,482
HONEYWELL INTERNATION COM 438516106 15 280 SH DEFINED 280
HONEYWELL INTERNATION COM 438516106 239 4,540 SH DEFINED 1 140 4,400
HONEYWELL INTERNATION COM 438516106 298 5,650 SH SOLE 5,650
HONEYWELL INTERNATION COM 438516106 3,251 61,710 SH SOLE 1 60,840 870
ILLINOIS TOOL WORKS, COM 452308109 13 240 SH DEFINED 240
ILLINOIS TOOL WORKS, COM 452308109 333 6,032 SH SOLE 6,032
ILLINOIS TOOL WORKS, COM 452308109 2,143 38,790 SH SOLE 1 38,500 290
IMMUNEX CORPORATION N COM 452528102 213 3,360 SH SOLE 3,360
IMPERIAL SUGAR CO. NE COM 453096109 18 10,000 SH DEFINED 1 10,000
INTEL CORPORATION COM 458140100 158 1,200 SH DEFINED 1,200
INTEL CORPORATION COM 458140100 2,008 15,217 SH DEFINED 1 1,140 9,918 4,159
INTEL CORPORATION COM 458140100 1,399 10,600 SH DEFINED 2 10,600
INTEL CORPORATION COM 458140100 2,192 16,615 SH SOLE 16,615
INTEL CORPORATION COM 458140100 13,406 101,609 SH SOLE 1 95,269 6,340
INTEL CORPORATION COM 458140100 3,622 27,450 SH SOLE 2 26,350 1,100
INTERNATIONAL BUSINES COM 459200101 3 24 SH DEFINED 24
INTERNATIONAL BUSINES COM 459200101 765 6,486 SH DEFINED 1 1,200 695 4,591
INTERNATIONAL BUSINES COM 459200101 188 1,593 SH DEFINED 2 1,593
INTERNATIONAL BUSINES COM 459200101 27 225 SH DEFINED 225
INTERNATIONAL BUSINES COM 459200101 504 4,274 SH SOLE 3,382 892
INTERNATIONAL BUSINES COM 459200101 5,629 47,704 SH SOLE 1 45,274 2,430
INTERNATIONAL BUSINES COM 459200101 107 904 SH SOLE 2 904
INTERNATIONAL BUSINES COM 459200101 382 3,236 SH SOLE 2,604 632
INTERNATIONAL PAPER C COM 460146103 360 8,426 SH DEFINED 1 7,426 1,000
INTERNATIONAL PAPER C COM 460146103 89 2,089 SH SOLE 1 2,089
INTUIT INC COM 461202103 979 18,000 SH DEFINED 1 18,000
J. P. MORGAN & CO., I COM 616880100 198 1,500 SH DEFINED 1 1,500
J. P. MORGAN & CO., I COM 616880100 237 1,800 SH SOLE 1 1,800
JANUS FLEXIBLE INCOME COM 471023606 111 11,966 SH DEFINED 1 6,084 5,881
JDS UNIPHASE CORPORAT COM 46612J101 482 4,000 SH SOLE 1 4,000
JEFFERSON-PILOT CORPO COM 475070108 26 389 SH DEFINED 389
JEFFERSON-PILOT CORPO COM 475070108 391 5,881 SH SOLE 5,881
JOHNSON & JOHNSON COM 478160104 17 240 SH DEFINED 240
JOHNSON & JOHNSON COM 478160104 3,403 48,442 SH DEFINED 1 1,600 45,942 900
JOHNSON & JOHNSON COM 478160104 655 9,325 SH SOLE 9,325
JOHNSON & JOHNSON COM 478160104 5,730 81,568 SH SOLE 1 81,568
KANSAS CITY SOUTHERN COM 485170104 206 2,400 SH SOLE 2,400
KELLOGG COMPANY COM 487836108 838 32,540 SH SOLE 1 32,540
KEMPER INSURED CORPOR COM 487903239 25 94,636 SH SOLE 1 94,636
KEMPER INSURED CORPOR COM 487903312 14 20,262 SH SOLE 1 20,262
KIMBERLY CLARK CORP COM 494368103 33 590 SH DEFINED 1 190 400
KIMBERLY CLARK CORP COM 494368103 4,375 78,045 SH SOLE 1 77,645 400
KLA TENCOR CORPORATIO COM 482480100 303 3,600 SH DEFINED 2 3,600
KOHLS CORPORATION COM 500255104 431 4,200 SH DEFINED 2 4,200
LEXINGTON RAMIREZ GLO COM 529534109 161 16,927 SH DEFINED 1 16,927
LEXMARK INTERNATIONAL COM 529771107 212 2,000 SH DEFINED 2 2,000
LIBERTY-STEIN ROE INC COM 53127P101 123 13,254 SH DEFINED 1 13,254
LILLY, ELI & CO COM 532457108 520 8,300 SH SOLE 8,300
LINEAR TECHNOLOGY COR COM 535678106 220 4,000 SH DEFINED 2 4,000
LOUISIANA PACIFIC COR COM 546347105 12 900 SH DEFINED 900
LOUISIANA PACIFIC COR COM 546347105 226 16,278 SH SOLE 16,278
LOWES COMPANIES INC COM 548661107 234 4,010 SH SOLE 4,010
LOWES COMPANIES INC COM 548661107 4,350 74,513 SH SOLE 1 73,543 970
LUCENT TECHNOLOGIES I COM 549463107 104 1,674 SH DEFINED 1,164 510
LUCENT TECHNOLOGIES I COM 549463107 1,663 26,818 SH DEFINED 1 10,978 8,720 7,120
LUCENT TECHNOLOGIES I COM 549463107 276 4,448 SH DEFINED 2 3,888 560
LUCENT TECHNOLOGIES I COM 549463107 843 13,594 SH SOLE 13,594
LUCENT TECHNOLOGIES I COM 549463107 2,039 32,886 SH SOLE 1 32,386 500
LUCENT TECHNOLOGIES I COM 549463107 594 9,584 SH SOLE 2 9,584
MARRIOTT INTERNATIONA COM 571903202 54 1,700 SH DEFINED 1 1,700
MARRIOTT INTERNATIONA COM 571903202 2,909 92,348 SH SOLE 1 92,348
MCDONALDS CORP COM 580135101 377 10,100 SH DEFINED 1 10,100
MCDONALDS CORP COM 580135101 401 10,740 SH SOLE 1 10,140 600
MCDONALDS CORP COM 580135101 262 7,000 SH SOLE 2 7,000
MCGRAW HILL COMPANIES COM 580645109 984 21,627 SH SOLE 1 19,997 1,630
MCI WORLDCOM INC. COM 55268B106 543 11,992 SH DEFINED 1 1,950 10,042
MCI WORLDCOM INC. COM 55268B106 728 16,062 SH SOLE 1 15,312 750
MEDIAONE GROUP INCORP COM 58440J104 194 2,400 SH DEFINED 1 2,400
MEDIAONE GROUP INCORP COM 58440J104 117 1,448 SH SOLE 1 1,448
MEDTRONIC INC COM 585055106 34 664 SH DEFINED 664
MEDTRONIC INC COM 585055106 72 1,400 SH DEFINED 1 1,400
MEDTRONIC INC COM 585055106 26 510 SH DEFINED 510
MEDTRONIC INC COM 585055106 538 10,450 SH SOLE 10,450
MEDTRONIC INC COM 585055106 5,323 103,490 SH SOLE 1 102,220 1,270
MEDTRONIC INC COM 585055106 354 6,880 SH SOLE 2 6,880
MEDTRONIC INC COM 585055106 193 3,744 SH SOLE 2,036 1,708
MERCK & CO., INC COM 589331107 6 100 SH DEFINED 100
MERCK & CO., INC COM 589331107 2,872 46,226 SH DEFINED 1 10,056 12,894 23,276
MERCK & CO., INC COM 589331107 432 6,950 SH DEFINED 2 6,200 750
MERCK & CO., INC COM 589331107 1,399 22,525 SH SOLE 22,525
MERCK & CO., INC COM 589331107 7,316 117,761 SH SOLE 1 114,341 3,420
MERCK & CO., INC COM 589331107 2,482 39,951 SH SOLE 2 39,951
MERRILL LYNCH AND CO, COM 590188108 25 240 SH DEFINED 240
MERRILL LYNCH AND CO, COM 590188108 195 1,860 SH SOLE 1,860
MFS GEORGIA MUNICIPAL COM 55273N756 261 25,427 SH SOLE 1 25,427
MFS MUN SER TR COM 55273N863 203 17,513 SH SOLE 17,513
MFS MUNICIPAL HIGH IN COM 552984304 130 15,909 SH SOLE 1 15,909
MICROSOFT CORPORATION COM 594918104 65 615 SH DEFINED 615
MICROSOFT CORPORATION COM 594918104 1,701 16,005 SH DEFINED 1 4,649 8,075 3,281
MICROSOFT CORPORATION COM 594918104 404 3,800 SH DEFINED 2 3,400 400
MICROSOFT CORPORATION COM 594918104 1,835 17,270 SH SOLE 17,270
MICROSOFT CORPORATION COM 594918104 3,746 35,252 SH SOLE 1 30,252 5,000
MICROSOFT CORPORATION COM 594918104 1,509 14,200 SH SOLE 2 14,200
MINNESOTA MINING & MA COM 604059105 248 2,800 SH DEFINED 1 2,000 800
MINNESOTA MINING & MA COM 604059105 332 3,750 SH SOLE 3,750
MINNESOTA MINING & MA COM 604059105 753 8,506 SH SOLE 1 8,506
MONSANTO CO. COM 611662107 464 9,000 SH SOLE 9,000
MORGAN STANLEY DEAN W COM 617446448 249 3,000 SH DEFINED 2 3,000
MORGAN STANLEY DEAN W COM 617446448 1,046 12,621 SH SOLE 12,621
MOTOROLA, INC COM 620076109 17 118 SH DEFINED 1 118
MOTOROLA, INC COM 620076109 394 2,700 SH DEFINED 2 2,700
MOTOROLA, INC COM 620076109 261 1,790 SH SOLE 1,790
MOTOROLA, INC COM 620076109 8,933 61,185 SH SOLE 1 60,835 350
MOTOROLA, INC COM 620076109 115 789 SH SOLE 2 789
MOTOROLA, INC COM 620076109 245 1,679 SH SOLE 1,679
NATIONAL DEPENDENT CA COM 629005109 0 282,992 SH SOLE 1 282,992
NEXTEL COMMUNICATIONS COM 65332V103 282 1,900 SH DEFINED 2 1,900
NOKIA CORP-SPONSORED COM 654902204 434 1,955 SH SOLE 1 1,955
NORFOLK SOUTHERN CORP COM 655844108 4 270 SH DEFINED 270
NORFOLK SOUTHERN CORP COM 655844108 204 14,300 SH DEFINED 1 4,200 10,100
NORFOLK SOUTHERN CORP COM 655844108 554 38,892 SH SOLE 38,892
NORFOLK SOUTHERN CORP COM 655844108 280 19,670 SH SOLE 1 19,670
NORTEL NETWORKS CORP COM 656569100 378 3,000 SH DEFINED 2 3,000
NORTEL NETWORKS CORP COM 656569100 176 1,400 SH SOLE 2 1,400
NTL, INC. COM 629407107 209 2,250 SH DEFINED 2 2,250
NUVEEN FLAGSHIP MULTI COM 67065P600 144 14,055 SH SOLE 1 14,055
NUVEEN PERFORMANCE PL COM 67062P108 254 21,019 SH SOLE 1 21,019
OMNICOM GROUP, INC. COM 681919106 262 2,800 SH DEFINED 2 2,800
OMNICOM GROUP, INC. COM 681919106 75 800 SH SOLE 2 800
ORACLE CORPORATION COM 68389X105 1,721 22,052 SH DEFINED 1 11,920 3,838 6,294
ORACLE CORPORATION COM 68389X105 297 3,800 SH DEFINED 2 3,800
ORACLE CORPORATION COM 68389X105 70 894 SH DEFINED 894
ORACLE CORPORATION COM 68389X105 1,056 13,524 SH SOLE 13,524
ORACLE CORPORATION COM 68389X105 23,515 301,237 SH SOLE 1 295,907 5,330
ORACLE CORPORATION COM 68389X105 1,081 13,850 SH SOLE 2 13,850
ORACLE CORPORATION COM 68389X105 369 4,732 SH SOLE 2,618 2,114
PAB BANKSHARES, INC. COM 69313P101 1 75 SH DEFINED 1 75
PAB BANKSHARES, INC. COM 69313P101 993 110,342 SH SOLE 1 110,342
PAINE WEBBER GROUP IN COM 695629105 2,670 60,680 SH SOLE 1 60,680
PEPSICO, INC. COM 713448108 19 540 SH DEFINED 540
PEPSICO, INC. COM 713448108 276 7,900 SH DEFINED 1 7,300 600
PEPSICO, INC. COM 713448108 650 18,650 SH SOLE 18,650
PEPSICO, INC. COM 713448108 69 1,984 SH SOLE 1 1,984
PFIZER INC COM 717081103 32 885 SH DEFINED 885
PFIZER INC COM 717081103 846 23,126 SH DEFINED 1 15,528 3,866 3,732
PFIZER INC COM 717081103 874 23,910 SH SOLE 23,310 600
PFIZER INC COM 717081103 2,993 81,861 SH SOLE 1 77,411 4,450
PFIZER INC COM 717081103 673 18,400 SH SOLE 2 18,400
PHILIP MORRIS COMPANI COM 718154107 127 6,000 SH DEFINED 1 1,200 4,800
PHILIP MORRIS COMPANI COM 718154107 8 400 SH DEFINED 2 400
PHILIP MORRIS COMPANI COM 718154107 333 15,770 SH SOLE 1 15,770
PHILIP MORRIS COMPANI COM 718154107 913 43,230 SH SOLE 2 41,430 1,800
PIMCO FUNDS PACIFIC M COM 693390551 164 16,977 SH SOLE 16,977
PPG INDUSTRIES, INC COM 693506107 209 4,000 SH DEFINED 1 4,000
PPG INDUSTRIES, INC COM 693506107 385 7,354 SH SOLE 1 7,354
PREFERRED LAND CORP ( COM 629994104 0 15,000 SH SOLE 1 15,000
PREPAID LEGAL SERVICE COM 740065107 723 24,369 SH SOLE 1 24,369
PROCTOR & GAMBLE COM 742718109 5 85 SH DEFINED 85
PROCTOR & GAMBLE COM 742718109 85 1,500 SH DEFINED 1 500 1,000
PROCTOR & GAMBLE COM 742718109 25 450 SH DEFINED 2 450
PROCTOR & GAMBLE COM 742718109 285 5,046 SH SOLE 5,046
PROCTOR & GAMBLE COM 742718109 2,395 42,389 SH SOLE 1 42,114 275
PROCTOR & GAMBLE COM 742718109 910 16,099 SH SOLE 2 16,099
PROVIDIAN FINANCIAL C COM 74406A102 444 5,122 SH SOLE 5,122
PUTNAM TAX EXEMPT INC COM 746870104 191 22,547 SH SOLE 1 22,547
QUALCOMM CORP COM 747525103 666 4,460 SH DEFINED 1 60 4,400
QUALCOMM CORP COM 747525103 367 2,458 SH SOLE 1 2,058 400
REGIONS FINANCIAL COR COM 758940100 337 14,788 SH SOLE 1 14,788
RELIANT ENERGY INC. COM 75952J108 1,351 57,320 SH SOLE 1 57,320
ROYAL DUTCH PETROLEUM COM 780257804 301 5,200 SH DEFINED 1 5,200
ROYAL DUTCH PETROLEUM COM 780257804 264 4,575 SH SOLE 1 4,575
SARA LEE CORPORATION COM 803111103 9 480 SH DEFINED 480
SARA LEE CORPORATION COM 803111103 234 13,000 SH DEFINED 1 8,000 5,000
SARA LEE CORPORATION COM 803111103 249 13,830 SH SOLE 13,830
SARA LEE CORPORATION COM 803111103 2,028 112,658 SH SOLE 1 111,908 750
SBC COMMUNICATIONS, I COM 78387G103 47 1,105 SH DEFINED 1,105
SBC COMMUNICATIONS, I COM 78387G103 1,266 30,047 SH DEFINED 1 12,458 14,006 3,583
SBC COMMUNICATIONS, I COM 78387G103 126 3,000 SH DEFINED 2 300 2,700
SBC COMMUNICATIONS, I COM 78387G103 952 22,603 SH SOLE 22,603
SBC COMMUNICATIONS, I COM 78387G103 6,843 162,438 SH SOLE 1 157,979 4,459
SBC COMMUNICATIONS, I COM 78387G103 459 10,904 SH SOLE 2 10,904
SCHERING PLOUGH CORP. COM 806605101 4 104 SH DEFINED 104
SCHERING PLOUGH CORP. COM 806605101 1,596 43,000 SH DEFINED 1 2,400 40,600
SCHERING PLOUGH CORP. COM 806605101 1,295 34,880 SH SOLE 34,880
SCHERING PLOUGH CORP. COM 806605101 753 20,273 SH SOLE 1 20,273
SCHERING PLOUGH CORP. COM 806605101 832 22,400 SH SOLE 2 22,400
SCHLUMBERGER LTD COM 806857108 0 0 SH DEFINED 1
SCHLUMBERGER LTD COM 806857108 526 6,875 SH SOLE 6,875
SCHLUMBERGER LTD COM 806857108 3,572 46,690 SH SOLE 1 46,690
SCHLUMBERGER LTD COM 806857108 386 5,050 SH SOLE 2 5,050
SCHOLASTIC CORPORATIO COM 807066105 219 4,051 SH SOLE 1 4,051
SEAGRAM LIMITED COM 811850106 333 5,600 SH SOLE 2 5,600
SELIGMAN INCOME FUND, COM 816338107 188 13,837 SH SOLE 13,837
SELIGMAN MUNICIPAL SO COM 816346811 1,185 156,589 SH SOLE 156,589
SERVICEMASTER CO COM 81760N109 555 49,333 SH DEFINED 1 49,333
SERVICEMASTER CO COM 81760N109 4 356 SH SOLE 1 356
SMITHKLINE BEECHAM PL COM 832378301 251 3,800 SH DEFINED 2 3,800
SMITHKLINE BEECHAM PL COM 832378301 277 4,200 SH SOLE 2 4,200
SONOCO PRODUCTS COMPA COM 835495102 257 11,180 SH DEFINED 11,180
SOUTHEASTERN FACTOR & COM 784991101 0 14,700 SH SOLE 1 14,700
SOUTHERN COMPANY COM 842587107 296 13,590 SH DEFINED 1 4,100 9,490
SOUTHERN COMPANY COM 842587107 1,709 78,595 SH SOLE 1 78,595
SPRINT CORPORATION SE COM 852061506 262 4,000 SH DEFINED 1 4,000
SPRINT CORPORATION SE COM 852061506 630 9,618 SH SOLE 1 8,298 1,320
SPRINT, CORP COM 852061100 504 8,000 SH DEFINED 1 8,000
SPRINT, CORP COM 852061100 252 4,000 SH SOLE 4,000
SPRINT, CORP COM 852061100 1,384 21,963 SH SOLE 1 16,723 5,240
ST PAUL COMPANIES, IN COM 792860108 260 7,617 SH SOLE 1 7,617
STATE STREET CORPORAT COM 857477103 5 47 SH DEFINED 47
STATE STREET CORPORAT COM 857477103 213 2,200 SH SOLE 2,200
STATE STREET CORPORAT COM 857477103 226 2,330 SH SOLE 1 2,330
STEELCASE INC. CLASS COM 858155401 156 12,857 SH SOLE 12,857
STRATEGIC TECHNOLOGIE COM 786991109 0 38,000 SH SOLE 1 38,000
SUN MICROSYSTEMS, INC COM 866810104 412 4,400 SH DEFINED 2 4,000 400
SUN MICROSYSTEMS, INC COM 866810104 3,101 33,090 SH SOLE 33,090
SUN MICROSYSTEMS, INC COM 866810104 1,313 14,014 SH SOLE 1 14,014
SUN MICROSYSTEMS, INC COM 866810104 37 400 SH SOLE 2 400
SUNTRUST BANKS INC COM 867914103 693 11,996 SH DEFINED 1 1,000 5,996 5,000
SUNTRUST BANKS INC COM 867914103 227 3,932 SH DEFINED 2 3,500 432
SUNTRUST BANKS INC COM 867914103 14,216 246,160 SH SOLE 1 246,160
SUNTRUST BANKS INC COM 867914103 254 4,400 SH SOLE 2 4,400
SYNOVUS FINANCIAL COR COM 87161C105 271,044 14,363,764 SH DEFINED 1 6,363 826,146 13,531,255
SYNOVUS FINANCIAL COR COM 87161C105 635 33,646 SH DEFINED 2 33,646
SYNOVUS FINANCIAL COR COM 87161C105 3,162 167,553 SH DEFINED 167,553
SYNOVUS FINANCIAL COR COM 87161C105 407,384 21,588,974 SH SOLE 1 20,473,876 37,150 1,077,948
SYNOVUS FINANCIAL COR COM 87161C105 7,540 399,598 SH SOLE 2 399,598
SYNOVUS FINANCIAL COR COM 87161C105 5,993 317,607 SH SOLE 317,607
T ROWE PRICE SPECTRUM COM 779906106 156 14,644 SH DEFINED 1 14,644
T ROWE PRICE SPECTRUM COM 779906106 103 9,607 SH SOLE 1 9,607
T. ROWE PRICE ASSOCIA COM 741477103 213 5,400 SH SOLE 5,400
TARGET CORP COM 87612E106 15 200 SH DEFINED 1 200
TARGET CORP COM 87612E106 344 4,600 SH DEFINED 2 4,600
TARGET CORP COM 87612E106 458 6,125 SH SOLE 6,125
TARGET CORP COM 87612E106 5,349 71,553 SH SOLE 1 70,593 960
TARGET CORP COM 87612E106 127 1,700 SH SOLE 2 1,700
TECO ENERGY INC. COM 872375100 192 9,900 SH DEFINED 2 9,900
TECO ENERGY INC. COM 872375100 737 37,900 SH SOLE 2 37,900
TELLABS, INC. DELEWAR COM 879664100 63 1,000 SH DEFINED 1 1,000
TELLABS, INC. DELEWAR COM 879664100 348 5,525 SH SOLE 5,525
TELLABS, INC. DELEWAR COM 879664100 264 4,188 SH SOLE 1 4,188
TEXACO INC COM 881694103 32 600 SH DEFINED 600
TEXACO INC COM 881694103 113 2,100 SH DEFINED 1 200 1,900
TEXACO INC COM 881694103 326 6,060 SH SOLE 6,060
TEXACO INC COM 881694103 268 4,982 SH SOLE 1 4,982
TEXAS INSTRUMENTS INC COM 882508104 480 3,000 SH DEFINED 1 3,000
TEXAS INSTRUMENTS INC COM 882508104 528 3,300 SH DEFINED 2 3,300
TEXAS INSTRUMENTS INC COM 882508104 586 3,665 SH SOLE 3,665
TEXAS INSTRUMENTS INC COM 882508104 10,537 65,857 SH SOLE 1 65,057 800
TEXAS INSTRUMENTS INC COM 882508104 16 100 SH SOLE 2 100
TEXAS INSTRUMENTS INC COM 882508104 203 1,268 SH SOLE 400 868
THE GOVERNMENT SECURI COM 383743580 10 278,592 SH SOLE 278,592
TIME WARNER INC COM 887315109 300 3,000 SH DEFINED 1 3,000
TIME WARNER INC COM 887315109 44 435 SH SOLE 1 435
TIME WARNER INC COM 887315109 200 2,000 SH SOLE 2 2,000
TOTAL SYSTEM SERVICES COM 891906109 4,577 287,169 SH DEFINED 1 2,500 284,669
TOTAL SYSTEM SERVICES COM 891906109 19,919 1,249,799 SH SOLE 1 1,200,048 49,751
TRANSOCEAN SEDCO FORE COM G90078109 455 8,863 SH SOLE 1 8,863
TYCO INTERNATIONAL LI COM 902124106 514 10,255 SH SOLE 1 10,255
TYCO INTERNATIONAL LI COM 902124106 281 5,600 SH SOLE 2 5,600
U S WEST INCORPORATED COM 91273H101 252 3,465 SH DEFINED 1 2,465 1,000
U S WEST INCORPORATED COM 91273H101 219 3,012 SH SOLE 1 3,012
U.S. GOVT SECURITIES COM 026300103 133 10,545 SH SOLE 10,545
UNION PLANTERS CORP COM 908068109 12 400 SH DEFINED 1 400
UNION PLANTERS CORP COM 908068109 194 6,285 SH SOLE 1 6,285
UNITED HEALTHCARE COR COM 910581107 2,258 37,871 SH SOLE 1 37,311 560
UNITED TECHNOLOGIES C COM 913017109 16 250 SH DEFINED 1 100 150
UNITED TECHNOLOGIES C COM 913017109 265 4,200 SH SOLE 4,200
UNITED TECHNOLOGIES C COM 913017109 295 4,662 SH SOLE 1 4,662
USAA TAX-EXEMPT FUND, COM 903289106 145 11,346 SH SOLE 2 11,346
VAN KAMPEN MERRIT VAL COM 921132106 118 10,000 SH DEFINED 10,000
VANGUARD ADMIRAL FUND COM 921932208 235 23,862 SH DEFINED 1 23,862
VANGUARD BOND INDEX T COM 921937108 184 19,086 SH DEFINED 1 19,086
VANGUARD FIXED INCOME COM 922031406 194 18,438 SH DEFINED 1 18,438
VANGUARD FIXED SECURI COM 922031307 187 18,888 SH DEFINED 1 15,938 2,949
VANGUARD FIXED SECURI COM 922031307 144 14,497 SH DEFINED 2 14,497
VANGUARD FIXED SECURI COM 922031307 590 59,626 SH SOLE 1 54,362 5,263
VANGUARD FIXED SECURI COM 922031307 2,624 265,054 SH SOLE 2 259,790 5,263
VANGUARD MUNICIPAL BO COM 922907209 20 1,578 SH DEFINED 1 1,578
VANGUARD MUNICIPAL BO COM 922907209 1,243 96,804 SH SOLE 96,804
VANGUARD MUNICIPAL BO COM 922907209 1,424 110,914 SH SOLE 1 105,811 5,103
VANGUARD MUNICIPAL BO COM 922907209 131 10,210 SH SOLE 10,210
VLASSIC FOODS INTERNA COM 928559103 36 15,000 SH DEFINED 1 15,000
VODAFONE AIRTOUCH PUB COM 92857T107 142 2,560 SH DEFINED 1 2,560
VODAFONE AIRTOUCH PUB COM 92857T107 1,182 21,270 SH SOLE 1 21,270
WACHOVIA CORPORATION COM 929771103 541 8,006 SH DEFINED 1 672 7,334
WACHOVIA CORPORATION COM 929771103 5,612 83,056 SH SOLE 1 83,056
WALGREEN COMPANY COM 931422109 227 8,820 SH SOLE 2 8,820
WAL-MART STORES, INC. COM 931142103 5 90 SH DEFINED 90
WAL-MART STORES, INC. COM 931142103 874 15,471 SH DEFINED 1 6,000 8,221 1,250
WAL-MART STORES, INC. COM 931142103 294 5,200 SH DEFINED 2 5,200
WAL-MART STORES, INC. COM 931142103 706 12,500 SH SOLE 12,500
WAL-MART STORES, INC. COM 931142103 2,278 40,317 SH SOLE 1 40,317
WAL-MART STORES, INC. COM 931142103 3,074 54,412 SH SOLE 2 54,412
WALT DISNEY COMPANY H COM 254687106 23 555 SH DEFINED 555
WALT DISNEY COMPANY H COM 254687106 352 8,545 SH DEFINED 1 7,000 1,545
WALT DISNEY COMPANY H COM 254687106 25 600 SH DEFINED 2 600
WALT DISNEY COMPANY H COM 254687106 636 15,410 SH SOLE 15,410
WALT DISNEY COMPANY H COM 254687106 5,202 126,115 SH SOLE 1 126,115
WALT DISNEY COMPANY H COM 254687106 1,549 37,560 SH SOLE 2 37,560
WARBURG PINCUS GLOBAL COM 933907107 125 12,655 SH DEFINED 1 12,655
WARNER LAMBERT CO COM 934488107 4 46 SH DEFINED 46
WARNER LAMBERT CO COM 934488107 137 1,400 SH DEFINED 1 1,400
WARNER LAMBERT CO COM 934488107 1,430 14,640 SH SOLE 14,640
WARNER LAMBERT CO COM 934488107 1,874 19,186 SH SOLE 1 19,186
WARNER LAMBERT CO COM 934488107 1,089 11,152 SH SOLE 2 11,152
WASHINGTON MUTUAL, IN COM 939322103 1,836 69,270 SH SOLE 1 69,270
WELLS FARGO & COMPANY COM 949746101 6 147 SH DEFINED 147
WELLS FARGO & COMPANY COM 949746101 526 12,900 SH DEFINED 1 1,400 3,600 7,900
WELLS FARGO & COMPANY COM 949746101 202 4,950 SH SOLE 4,950
WELLS FARGO & COMPANY COM 949746101 82 2,000 SH SOLE 1 2,000
WESTPOINT STEVENS INC COM 961238102 460 24,217 SH SOLE 1 24,217
WEYERHAEUSER CO COM 962166104 95 1,671 SH DEFINED 1 1,671
WEYERHAEUSER CO COM 962166104 1,974 34,630 SH SOLE 1 34,630
WINN-DIXIE STORES, IN COM 974280109 101 5,200 SH DEFINED 5,200
WINN-DIXIE STORES, IN COM 974280109 622 31,996 SH DEFINED 2 31,996
WINN-DIXIE STORES, IN COM 974280109 226 11,627 SH SOLE 11,627
WINN-DIXIE STORES, IN COM 974280109 659 33,890 SH SOLE 1 33,890
WINN-DIXIE STORES, IN COM 974280109 863 44,376 SH SOLE 2 44,376
WISCONSIN ENERGY CORP COM 976657106 72 3,600 SH DEFINED 1 3,600
WISCONSIN ENERGY CORP COM 976657106 168 8,450 SH SOLE 1 8,450
XEROX CORP COM 984121103 8 320 SH DEFINED 1 320
XEROX CORP COM 984121103 2,403 92,437 SH SOLE 1 91,607 830
YAHOO! INCORPORATED COM 984332106 100 586 SH DEFINED 1 100 486
YAHOO! INCORPORATED COM 984332106 377 2,200 SH DEFINED 2 2,200
YAHOO! INCORPORATED COM 984332106 120 700 SH SOLE 1 700
</TABLE>
