UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Form 13F-HR/A
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 31, 1999
Check here if Amendment [X]: Amendment Number: 1
This Amendment (Check only one): [X] 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 1/13/2000
[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: 579
Form 13F Information Table Value Total: 1,883,427
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
[If there are no entries in this list, state "NONE" and omit the column headings
and list entries.]
No. Form 13F File Number Name
1 28-4944 Synovus Trust Company
2 28-7448 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 123 3,400 SH DEFINED 1 3,400
ABBOTT LABS COM 002824100 5 125 SH DEFINED 125
ABBOTT LABS COM 002824100 316 8,690 SH SOLE 1 8,690
ABBOTT LABS COM 002824100 476 13,100 SH SOLE 13,100
ADOBE SYSTEMS, INC COM 00724F101 262 3,900 SH DEFINED 2 3,900
AEGON N V AEGON AMER REG COM 007924103 284 2,973 SH SOLE 2,973
AFLAC, INCORPORATED COM 001055102 4,326 91,682 SH DEFINED 1 14,624 77,058
AFLAC, INCORPORATED COM 001055102 18,947 401,515 SH SOLE 1 400,595 920
AIM FDS GROUP COM 008879777 84 10,363 SH SOLE 1 10,363
AIR PRODUCTS & CHEMICALS INC COM 009158106 1,253 37,334 SH SOLE 1 37,094 240
ALCOA INC COM 013817101 295 3,553 SH DEFINED 1 1,153 2,400
ALCOA INC COM 013817101 924 11,130 SH SOLE 1 11,130
ALLSTATE CORPORATION COM 020002101 252 10,476 SH SOLE 10,476
ALLTEL CORPORATION COM 020039103 580 7,020 SH SOLE 1 6,700 320
ALLTEL CORPORATION COM 020039103 479 5,796 SH SOLE 5,796
AMERICA ONLINE, INC. COM 02364J104 33 440 SH DEFINED 1 440
AMERICA ONLINE, INC. COM 02364J104 490 6,460 SH SOLE 1 4,460 2,000
AMERICAN BOND FUND OF AMERICA #08 COM 097873103 189 14,598 SH SOLE 14,598
AMERICAN EXPRESS COMPANY COM 025816109 557 3,350 SH DEFINED 1 1,100 700 1,550
AMERICAN EXPRESS COMPANY COM 025816109 386 2,324 SH SOLE 1 2,324
AMERICAN HIGH-INCOME TRUST COM 026547109 351 25,332 SH SOLE 25,332
AMERICAN HOME PRODUCTS CORP. COM 026609107 149 3,800 SH DEFINED 1 3,800
AMERICAN HOME PRODUCTS CORP. COM 026609107 4,026 102,580 SH SOLE 1 101,850 730
AMERICAN HOME PRODUCTS CORP. COM 026609107 220 5,600 SH SOLE 2 5,600
AMERICAN HOME PRODUCTS CORP. COM 026609107 341 8,684 SH SOLE 8,684
AMERICAN INTERNATIONAL GROUP, INC COM 026874107 9 86 SH DEFINED 86
AMERICAN INTERNATIONAL GROUP, INC COM 026874107 228 2,107 SH SOLE 2,107
AMGEN INC COM 031162100 721 12,000 SH DEFINED 1 12,000
AMGEN INC COM 031162100 420 7,000 SH DEFINED 2 7,000
AMGEN INC COM 031162100 31 520 SH DEFINED 520
AMGEN INC COM 031162100 635 10,576 SH SOLE 1 10,576
AMGEN INC COM 031162100 384 6,400 SH SOLE 6,400
ANHEUSER BUSCH COMPANIES, INC. COM 035229103 284 4,000 SH DEFINED 1 4,000
ANHEUSER BUSCH COMPANIES, INC. COM 035229103 164 2,320 SH SOLE 1 2,320
ANHEUSER BUSCH COMPANIES, INC. COM 035229103 284 4,000 SH SOLE 2 4,000
APPLIED MATERIALS INC COM 038222105 3,547 27,995 SH SOLE 1 27,995
ARCHER-DANIELS-MIDLAND COMPANY COM 039483102 243 20,048 SH DEFINED 1 20,048
AT&T CORP COM 001957109 788 15,501 SH DEFINED 1 13,317 2,184
AT&T CORP COM 001957109 69 1,350 SH DEFINED 2 450 900
AT&T CORP COM 001957109 94 1,845 SH DEFINED 1,350 495
AT&T CORP COM 001957109 4,976 97,924 SH SOLE 1 97,924
AT&T CORP COM 001957109 739 14,541 SH SOLE 2 14,541
AT&T CORP COM 001957109 999 19,654 SH SOLE 19,654
ATLANTIC RICHFIELD COMPANY COM 048825103 112 1,300 SH DEFINED 1 1,300
ATLANTIC RICHFIELD COMPANY COM 048825103 3,149 36,408 SH SOLE 1 36,408
AUTOMATIC DATA PROCESSING, INC COM 053015103 237 4,400 SH DEFINED 1 4,400
AUTOMATIC DATA PROCESSING, INC COM 053015103 523 9,714 SH SOLE 1 9,714
BANK OF AMERICA CORP COM 060505104 180 3,581 SH DEFINED 1 168 1,886 1,527
BANK OF AMERICA CORP COM 060505104 651 12,979 SH DEFINED 2 840 12,139
BANK OF AMERICA CORP COM 060505104 6 112 SH DEFINED 112
BANK OF AMERICA CORP COM 060505104 4,857 96,777 SH SOLE 1 94,203 2,574
BANK OF AMERICA CORP COM 060505104 1,095 21,814 SH SOLE 2 21,814
BANK OF AMERICA CORP COM 060505104 2,669 53,178 SH SOLE 51,706 1,472
BANK ONE CORPORATION COM 06423A103 59 1,858 SH DEFINED 1 1,858
BANK ONE CORPORATION COM 06423A103 2,054 64,187 SH SOLE 1 63,967 220
BAXTER INTERNATIONAL, INC COM 071813109 82 1,300 SH DEFINED 1 500 800
BAXTER INTERNATIONAL, INC COM 071813109 129 2,049 SH SOLE 1 2,049
BELL ATLANTIC CORPORATION COM 077853109 485 7,878 SH DEFINED 1 6,672 1,206
BELL ATLANTIC CORPORATION COM 077853109 70 1,136 SH DEFINED 2 800 336
BELL ATLANTIC CORPORATION COM 077853109 108 1,748 SH DEFINED 1,600 148
BELL ATLANTIC CORPORATION COM 077853109 2,548 41,388 SH SOLE 1 41,388
BELL ATLANTIC CORPORATION COM 077853109 995 16,170 SH SOLE 2 16,170
BELL ATLANTIC CORPORATION COM 077853109 352 5,722 SH SOLE 5,722
BELLSOUTH CORPORATION COM 079860102 1,295 27,657 SH DEFINED 1 5,691 18,542 3,424
BELLSOUTH CORPORATION COM 079860102 782 16,700 SH DEFINED 2 15,800 900
BELLSOUTH CORPORATION COM 079860102 179 3,832 SH DEFINED 2,400 1,432
BELLSOUTH CORPORATION COM 079860102 8,602 183,750 SH SOLE 1 177,908 5,842
BELLSOUTH CORPORATION COM 079860102 3,263 69,698 SH SOLE 2 69,698
BELLSOUTH CORPORATION COM 079860102 1,056 22,568 SH SOLE 22,388 180
BERKSHIRE HATHAWAY, INCORPORATED COM 084670108 1,138 21 SH SOLE 1 21
BESTFOODS INCORPORATED COM 08658U101 147 2,800 SH DEFINED 2 2,800
BESTFOODS INCORPORATED COM 08658U101 3,803 72,357 SH SOLE 1 69,873 2,484
BESTFOODS INCORPORATED COM 08658U101 421 8,000 SH SOLE 2 8,000
BESTFOODS INCORPORATED COM 08658U101 304 5,775 SH SOLE 5,075 700
BLACKROCK 1999 TERM TRUST INC COM 09247T100 96 9,450 SH DEFINED 1 5,500 3,950
BLACKROCK 1999 TERM TRUST INC COM 09247T100 513 50,668 SH SOLE 1 49,668 1,000
BLACKROCK BROAD INVESTMENT GRADE COM 09247Q106 203 17,825 SH DEFINED 1 17,825
BP AMOCO PLC SPONSORED COM 055622104 458 7,718 SH DEFINED 1 4,590 3,128
BP AMOCO PLC SPONSORED COM 055622104 479 8,070 SH DEFINED 2 8,070
BP AMOCO PLC SPONSORED COM 055622104 11 184 SH DEFINED 184
BP AMOCO PLC SPONSORED COM 055622104 2,455 41,390 SH SOLE 1 33,000 8,390
BP AMOCO PLC SPONSORED COM 055622104 306 5,158 SH SOLE 2 5,158
BP AMOCO PLC SPONSORED COM 055622104 257 4,332 SH SOLE 4,332
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 929 14,478 SH DEFINED 1 4,650 7,028 2,800
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 83 1,300 SH DEFINED 2 500 800
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 5,639 87,853 SH SOLE 1 86,533 700 620
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 1,937 30,180 SH SOLE 2 30,180
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 1,999 31,137 SH SOLE 31,137
BUILDING MATERIALS HOLDING CORP COM 120113105 103 10,000 SH DEFINED 1 10,000
BUTLER FIFTH GENERATION INC. COM 056010309 8,144 169,769 SH SOLE 1 169,769
CAPITAL MANAGEMENT ASSOCIATES COM M00101366 4,153 1 SH SOLE 1 1
CARNIVAL CORP CL A COM 143658102 325 6,800 SH DEFINED 2 6,800
CARNIVAL CORP CL A COM 143658102 184 3,850 SH SOLE 2 3,850
CAROLINA POWER & LIGHT CO. COM 144141108 140 4,600 SH DEFINED 1 4,600
CAROLINA POWER & LIGHT CO. COM 144141108 170 5,600 SH SOLE 1 5,600
CATERPILLAR, INC. COM 149123101 267 5,680 SH DEFINED 1 1,180 4,500
CATERPILLAR, INC. COM 149123101 36 775 SH SOLE 1 775
CBS CORPORATION COM 12490K107 512 8,000 SH DEFINED 1 8,000
CBS CORPORATION COM 12490K107 21 325 SH SOLE 1 325
CENTURY SOUTH BANKS INCORPORATED COM 156683104 262 11,689 SH SOLE 1 11,689
CHEVRON CORPORATION COM 166751107 451 5,210 SH DEFINED 1 2,622 1,688 900
CHEVRON CORPORATION COM 166751107 251 2,900 SH DEFINED 2 2,900
CHEVRON CORPORATION COM 166751107 3,698 42,694 SH SOLE 1 42,399 295
CHEVRON CORPORATION COM 166751107 1,416 16,352 SH SOLE 2 16,352
CHEVRON CORPORATION COM 166751107 215 2,480 SH SOLE 2,280 200
CHUBB CORPORATION COM 171232101 4,733 84,044 SH DEFINED 1 1,744 82,300
CHUBB CORPORATION COM 171232101 2,524 44,829 SH SOLE 1 44,669 160
CISCO SYSTEMS COM 17275R102 396 3,700 SH DEFINED 1 3,700
CISCO SYSTEMS COM 17275R102 439 4,100 SH DEFINED 2 4,100
CISCO SYSTEMS COM 17275R102 6 54 SH DEFINED 54
CISCO SYSTEMS COM 17275R102 1,682 15,703 SH SOLE 1 14,703 1,000
CISCO SYSTEMS COM 17275R102 337 3,150 SH SOLE 2 3,150
CISCO SYSTEMS COM 17275R102 2,238 20,891 SH SOLE 20,891
CITIGROUP INCORPORATED COM 172967101 495 8,881 SH DEFINED 1 7,800 1,081
CITIGROUP INCORPORATED COM 172967101 23 410 SH DEFINED 410
CITIGROUP INCORPORATED COM 172967101 41 730 SH DEFINED 730
CITIGROUP INCORPORATED COM 172967101 484 8,692 SH SOLE 1 7,942 750
CITIGROUP INCORPORATED COM 172967101 764 13,720 SH SOLE 13,720
CITIGROUP INCORPORATED COM 172967101 173 3,115 SH SOLE 1,500 1,615
CLOROX COMPANY COM 189054109 30 596 SH DEFINED 1 596
CLOROX COMPANY COM 189054109 343 6,800 SH SOLE 1 6,800
COASTAL CORPORATION COM 190441105 1,350 38,095 SH SOLE 1 38,095
COCA COLA COMPANY COM 191216100 26,727 458,827 SH DEFINED 1 42,291 408,545 7,991
COCA COLA COMPANY COM 191216100 6,839 117,400 SH DEFINED 2 117,400
COCA COLA COMPANY COM 191216100 17 292 SH DEFINED 292
COCA COLA COMPANY COM 191216100 495,360 8,504,036 SH SOLE 1 8,460,909 43,127
COCA COLA COMPANY COM 191216100 129,453 2,222,374 SH SOLE 2 2,121,214 101,160
COCA COLA COMPANY COM 191216100 644 11,050 SH SOLE 11,050
COLGATE-PALMOLIVE COMPANY COM 194162103 250 3,840 SH DEFINED 2 3,840
COLGATE-PALMOLIVE COMPANY COM 194162103 9 146 SH DEFINED 146
COLGATE-PALMOLIVE COMPANY COM 194162103 3,167 48,726 SH SOLE 1 48,726
COLGATE-PALMOLIVE COMPANY COM 194162103 143 2,200 SH SOLE 2 2,200
COLGATE-PALMOLIVE COMPANY COM 194162103 459 7,065 SH SOLE 7,065
COLUMBIA/HCA HEALTHCARE CORPORATION COM 197677107 1,721 58,716 SH SOLE 1 58,716
COMPAQ COMPUTER CORP COM 204493100 259 9,560 SH DEFINED 1 4,000 2,060 3,500
COMPAQ COMPUTER CORP COM 204493100 4,579 169,191 SH SOLE 1 167,508 1,683
CONAGRA, INC. COM 205887102 2,191 96,555 SH SOLE 1 96,555
CONOCO INCORPORATED COM 208251306 248 10,000 SH DEFINED 1 10,000
CONSECO INCORPORATED COM 208464107 267 14,975 SH SOLE 14,975
CORNING INCORPORATED COM 219350105 297 2,300 SH DEFINED 2 2,300
CORNING INCORPORATED COM 219350105 297 2,300 SH SOLE 2,300
COSTCO WBSL CORPORATION NEW COM 22160K105 329 3,600 SH DEFINED 2 3,600
COX COMMUNICATIONS, INC. COM 224044107 229 4,450 SH DEFINED 1 4,450
CUSTOM CAR CARE CO (WORTHLESS) COM 126990100 - 20,000 SH SOLE 1 20,000
DARDEN RESTAURANTS INC COM 237194105 302 16,680 SH DEFINED 1 16,680
DARDEN RESTAURANTS INC COM 237194105 643 35,482 SH SOLE 1 35,482
DAYTON HUDSON CORPORATION COM 239753106 15 200 SH DEFINED 1 200
DAYTON HUDSON CORPORATION COM 239753106 338 4,600 SH DEFINED 2 4,600
DAYTON HUDSON CORPORATION COM 239753106 5,124 69,768 SH SOLE 1 68,808 960
DAYTON HUDSON CORPORATION COM 239753106 73 1,000 SH SOLE 2 1,000
DAYTON HUDSON CORPORATION COM 239753106 439 5,975 SH SOLE 5,975
DEERE AND CO COM 244199105 257 5,933 SH SOLE 1 5,933
DELL COMPUTER CORPORATION COM 247025109 71 1,400 SH DEFINED 1 1,400
DELL COMPUTER CORPORATION COM 247025109 210 4,117 SH SOLE 1 2,205 1,912
DEVELOPERS-INVESTORS,INC COM 232990AA9 456 450,000 SH SOLE 1
DOW CHEMICAL COMPANY COM 260543103 80 600 SH DEFINED 1 600
DOW CHEMICAL COMPANY COM 260543103 204 1,527 SH SOLE 1 1,527
DUKE ENERGY CORPORATION COM 264399106 784 15,650 SH DEFINED 1 2,000 8,650 5,000
DUKE ENERGY CORPORATION COM 264399106 20 400 SH DEFINED 2 400
DUKE ENERGY CORPORATION COM 264399106 10 200 SH DEFINED 200
DUKE ENERGY CORPORATION COM 264399106 115 2,293 SH SOLE 1 2,293
DUKE ENERGY CORPORATION COM 264399106 221 4,400 SH SOLE 2 4,400
DUKE ENERGY CORPORATION COM 264399106 397 7,916 SH SOLE 7,916
DUN AND BRADSTREET NEW COM 26483B106 280 9,500 SH SOLE 9,500
E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 1,015 15,412 SH DEFINED 1 7,292 5,320 2,800
E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 99 1,500 SH DEFINED 2 1,500
E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 2,238 33,979 SH SOLE 1 33,714 265
E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 270 4,100 SH SOLE 2 4,100
E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 3,230 49,034 SH SOLE 49,034
EARTH SCIENCES, INC. COM 270312200 2 10,000 SH SOLE 1 10,000
EASTMAN KODAK CO. COM 277461109 333 5,020 SH DEFINED 1 4,000 300 720
EASTMAN KODAK CO. COM 277461109 229 3,453 SH SOLE 1 2,915 538
EATON VANCE MARATHON GEORGIA COM 27826L843 94 10,195 SH SOLE 1 10,195
EDISON INTERNATIONAL COM 281020107 21 800 SH DEFINED 2 800
EDISON INTERNATIONAL COM 281020107 413 15,785 SH SOLE 2 15,785
ELECTRONIC DATA SYSTEMS CORP COM 285661104 3,345 49,979 SH SOLE 1 46,920 3,059
ELECTRONIC DATA SYSTEMS CORP COM 285661104 258 3,851 SH SOLE 3,851
EMC CORP COM 268648102 448 4,100 SH DEFINED 2 4,100
EMC CORP COM 268648102 656 6,000 SH SOLE 2 6,000
EMERSON ELECTRIC CO. COM 291011104 195 3,400 SH DEFINED 1 3,000 400
EMERSON ELECTRIC CO. COM 291011104 3,431 59,796 SH SOLE 1 59,536 260
ENRON CORPORATION COM 293561106 244 5,500 SH DEFINED 2 5,500
ENRON CORPORATION COM 293561106 2,420 54,529 SH SOLE 53,729 800
EQUIFAX, INCORPORATED COM 294429105 236 10,000 SH DEFINED 1 6,000 4,000
EQUIFAX, INCORPORATED COM 294429105 104 4,400 SH SOLE 1 4,400
EVERGREEN FUNDS VALUE PORTFOLIO COM 300237799 236 11,419 SH SOLE 11,419
EXXON MOBIL CORPORATION COM 30231G102 1,332 16,531 SH DEFINED 1 3,095 7,244 6,192
EXXON MOBIL CORPORATION COM 30231G102 936 11,624 SH DEFINED 2 10,432 1,192
EXXON MOBIL CORPORATION COM 30231G102 38 477 SH DEFINED 477
EXXON MOBIL CORPORATION COM 30231G102 172 2,137 SH DEFINED 2,137
EXXON MOBIL CORPORATION COM 30231G102 11,670 144,858 SH SOLE 1 140,560 4,298
EXXON MOBIL CORPORATION COM 30231G102 3,982 49,422 SH SOLE 2 49,422
EXXON MOBIL CORPORATION COM 30231G102 6,389 79,301 SH SOLE 78,901 400
EXXON MOBIL CORPORATION COM 30231G102 219 2,721 SH SOLE 2,721
FANNIE MAE COM 313586109 72 1,160 SH DEFINED 1 1,160
FANNIE MAE COM 313586109 297 4,750 SH DEFINED 2 4,300 450
FANNIE MAE COM 313586109 6 91 SH DEFINED 91
FANNIE MAE COM 313586109 4,041 64,716 SH SOLE 1 64,466 250
FANNIE MAE COM 313586109 131 2,100 SH SOLE 2 2,100
FANNIE MAE COM 313586109 425 6,800 SH SOLE 6,800
FEDERATED FUND #09 U.S. GOVERNMENT COM 31428M100 159 15,368 SH DEFINED 1 15,368
FEDERATED FUND #09 U.S. GOVERNMENT COM 31428M100 157 15,165 SH SOLE 1 15,115 49
FEDERATED FUND #47 U.S. GOVERNMENT COM 31428P103 107 10,299 SH DEFINED 1 10,299
FEDERATED FUND #47 U.S. GOVERNMENT COM 31428P103 344 33,256 SH SOLE 1 33,256
FEDERATED GNMA TRUST FUND #16 COM 314184102 106 9,829 SH DEFINED 1 2,770 7,059
FEDERATED GNMA TRUST FUND #16 COM 314184102 29 2,673 SH SOLE 1 2,673
FEDERATED HIGH YIELD TRUST COM 314197104 1,379 166,905 SH SOLE 1 153,409 13,495
FEDERATED INCOME TRUST FUND #36 COM 314199100 318 32,191 SH SOLE 32,191
FEDERATED SHORT TERM INC FUND #65 COM 31420C209 157 18,422 SH DEFINED 1 18,422
FEDERATED SHORT TERM INC FUND #65 COM 31420C209 348 40,917 SH SOLE 1 40,917
FIDELITY GOVERNMENT INCOME FUND COM 316172105 148 15,844 SH SOLE 15,844
FIDELITY INCOME FUND MORTGAGE COM 31617K204 113 10,894 SH DEFINED 1 10,894
FIDELITY INSTITUTIONAL SHORT COM 315809400 16 1,711 SH DEFINED 1 1,711
FIDELITY INSTITUTIONAL SHORT COM 315809400 1,373 151,383 SH SOLE 1 149,751 1,632
FIDELITY INTERMEDIATE GOV'T COM 31617K303 145 15,561 SH DEFINED 1 11,442 4,119
FIDELITY U.S. BOND INDEX COM 315911107 141 13,803 SH DEFINED 1 13,803
FIRST SOUTHEASTERN CORPORATION COM 303999106 - 12,108 SH SOLE 1 12,108
FIRST TENNESSEE NATIONAL CORP COM 337162101 563 19,744 SH DEFINED 1 19,744
FIRST UNION CORPORATION COM 337358105 399 12,125 SH DEFINED 1 12,125
FIRST UNION CORPORATION COM 337358105 710 21,557 SH SOLE 1 21,557
FLEETBOSTON FINANCIAL CORP COM 339030108 31 900 SH DEFINED 1 900
FLEETBOSTON FINANCIAL CORP COM 339030108 3,246 93,236 SH SOLE 1 93,236
FLOWERS INDUSTRIES, INC. COM 343496105 180 11,300 SH DEFINED 1 11,300
FLOWERS INDUSTRIES, INC. COM 343496105 1,074 67,378 SH SOLE 1 67,378
FORD MOTOR COMPANY COM 345370100 120 2,256 SH DEFINED 1 2,256
FORD MOTOR COMPANY COM 345370100 3,932 73,751 SH SOLE 1 73,121 630
FORD MOTOR COMPANY COM 345370100 250 4,680 SH SOLE 4,680
FRANKLIN CUSTODIAN FUNDS COM 353496607 90 13,750 SH DEFINED 1 2,366 11,383
FRANKLIN CUSTODIAN FUNDS COM 353496607 51 7,799 SH SOLE 1 7,799
FRANKLIN CUSTODIAN FUNDS, FUND #109 COM 353496300 21 9,882 SH DEFINED 1 9,882
FRANKLIN CUSTODIAN FUNDS, FUND #109 COM 353496300 21 9,944 SH SOLE 1 9,944
FRANKLIN TAX FREE TRUST HIGH COM 354723702 148 14,095 SH DEFINED 14,095
FRANKLIN TAX FREE TRUST HIGH COM 354723702 167 15,925 SH SOLE 1 15,925
GANNETT COMPANY, INC. COM 364730101 347 4,255 SH SOLE 1 4,255
GENERAL ELECTRIC COMPANY COM 369604103 4,932 31,871 SH DEFINED 1 6,850 13,901 11,120
GENERAL ELECTRIC COMPANY COM 369604103 1,981 12,800 SH DEFINED 2 9,400 3,400
GENERAL ELECTRIC COMPANY COM 369604103 179 1,157 SH DEFINED 800 357
GENERAL ELECTRIC COMPANY COM 369604103 31 200 SH DEFINED 200
GENERAL ELECTRIC COMPANY COM 369604103 20,029 129,427 SH SOLE 1 123,016 6,411
GENERAL ELECTRIC COMPANY COM 369604103 8,469 54,730 SH SOLE 2 54,730
GENERAL ELECTRIC COMPANY COM 369604103 6,150 39,742 SH SOLE 38,942 800
GENERAL ELECTRIC COMPANY COM 369604103 223 1,441 SH SOLE 1,441
GENERAL MILLS, INC. COM 370334104 1,664 46,544 SH DEFINED 1 46,544
GENERAL MILLS, INC. COM 370334104 4,554 127,389 SH SOLE 1 127,389
GENERAL MOTORS CORPORATION COM 370442105 291 4,002 SH SOLE 4,002
GENUINE PARTS COMPANY COM 372460105 109 4,386 SH DEFINED 1 1,686 2,700
GENUINE PARTS COMPANY COM 372460105 1,163 46,862 SH SOLE 1 46,862
GEORGIA PACIFIC CORPORATION COM 373298108 71 1,404 SH DEFINED 1,404
GEORGIA PACIFIC CORPORATION COM 373298108 759 14,964 SH SOLE 14,824 140
GEORGIA PACIFIC TIMBER GROUP COM 373298702 17 702 SH DEFINED 702
GEORGIA PACIFIC TIMBER GROUP COM 373298702 184 7,482 SH SOLE 7,412 70
GILLETTE CO COM 375766102 701 17,025 SH DEFINED 1 5,000 8,825 3,200
GILLETTE CO COM 375766102 297 7,200 SH DEFINED 2 7,200
GILLETTE CO COM 375766102 12 280 SH DEFINED 280
GILLETTE CO COM 375766102 416 10,112 SH SOLE 1 8,769 1,343
GILLETTE CO COM 375766102 286 6,940 SH SOLE 2 6,940
GILLETTE CO COM 375766102 217 5,267 SH SOLE 3,095 2,172
GPU INCORPORATED COM 36225X100 1,405 47,240 SH SOLE 1 47,240
GRAND PRIX LIMITED PARTNERSHIP COM M00015681 463 47 SH SOLE 1 47
GROVE INVESTMENT CO PARTNERSHIP COM M00015517 332 331,551 SH SOLE 1 331,551
GTE CORPORATION COM 362320103 348 4,933 SH DEFINED 1 1,647 3,181 105
GTE CORPORATION COM 362320103 42 600 SH DEFINED 2 400 200
GTE CORPORATION COM 362320103 42 600 SH DEFINED 600
GTE CORPORATION COM 362320103 9,590 135,913 SH SOLE 1 134,801 325 787
GTE CORPORATION COM 362320103 339 4,800 SH SOLE 2 4,800
GTE CORPORATION COM 362320103 206 2,921 SH SOLE 2,921
H J HEINZ COMPANY COM 423074103 207 5,200 SH DEFINED 1 1,500 3,700
H J HEINZ COMPANY COM 423074103 63 1,575 SH SOLE 1 1,575
H J HEINZ COMPANY COM 423074103 295 7,400 SH SOLE 2 7,400
HALLIBURTON COMPANY COM 406216101 64 1,600 SH DEFINED 1 1,600
HALLIBURTON COMPANY COM 406216101 352 8,752 SH SOLE 1 8,752
HEWLETT PACKARD CO COM 428236103 468 4,114 SH DEFINED 1 97 1,017 3,000
HEWLETT PACKARD CO COM 428236103 91 800 SH DEFINED 2 800
HEWLETT PACKARD CO COM 428236103 21 187 SH DEFINED 187
HEWLETT PACKARD CO COM 428236103 6,515 57,271 SH SOLE 1 56,791 480
HEWLETT PACKARD CO COM 428236103 489 4,300 SH SOLE 2 4,300
HEWLETT PACKARD CO COM 428236103 1,385 12,176 SH SOLE 12,176
HOME DEPOT INCORPORATED COM 437076102 432 6,286 SH DEFINED 1 2,370 2,185 1,731
HOME DEPOT INCORPORATED COM 437076102 780 11,340 SH DEFINED 2 10,950 390
HOME DEPOT INCORPORATED COM 437076102 65 944 SH DEFINED 944
HOME DEPOT INCORPORATED COM 437076102 34 487 SH DEFINED 487
HOME DEPOT INCORPORATED COM 437076102 9,147 133,040 SH SOLE 1 130,889 2,151
HOME DEPOT INCORPORATED COM 437076102 358 5,200 SH SOLE 2 5,200
HOME DEPOT INCORPORATED COM 437076102 1,447 21,054 SH SOLE 21,054
HOME DEPOT INCORPORATED COM 437076102 186 2,709 SH SOLE 1,227 1,482
HONEYWELL INTERNATIONAL INC. COM 438516106 16 280 SH DEFINED 1 280
HONEYWELL INTERNATIONAL INC. COM 438516106 16 280 SH DEFINED 280
HONEYWELL INTERNATIONAL INC. COM 438516106 3,433 59,505 SH SOLE 1 58,635 870
HONEYWELL INTERNATIONAL INC. COM 438516106 310 5,370 SH SOLE 5,370
ILLINOIS TOOL WORKS, INCORPORATED COM 452308109 16 240 SH DEFINED 240
ILLINOIS TOOL WORKS, INCORPORATED COM 452308109 2,585 38,265 SH SOLE 1 37,975 290
ILLINOIS TOOL WORKS, INCORPORATED COM 452308109 391 5,787 SH SOLE 5,787
IMPERIAL SUGAR CO. NEW COM 453096109 33 10,000 SH DEFINED 1 10,000
INTEL CORPORATION COM 458140100 645 7,838 SH DEFINED 1 4,300 3,538
INTEL CORPORATION COM 458140100 873 10,600 SH DEFINED 2 10,600
INTEL CORPORATION COM 458140100 99 1,200 SH DEFINED 1,200
INTEL CORPORATION COM 458140100 8,045 97,736 SH SOLE 1 91,986 5,750
INTEL CORPORATION COM 458140100 2,576 31,300 SH SOLE 2 30,100 1,200
INTEL CORPORATION COM 458140100 1,376 16,715 SH SOLE 16,715
INTERNATIONAL BUSINESS MACHINES COM 459200101 499 4,628 SH DEFINED 1 1,200 500 2,928
INTERNATIONAL BUSINESS MACHINES COM 459200101 280 2,593 SH DEFINED 2 2,593
INTERNATIONAL BUSINESS MACHINES COM 459200101 3 24 SH DEFINED 24
INTERNATIONAL BUSINESS MACHINES COM 459200101 24 225 SH DEFINED 225
INTERNATIONAL BUSINESS MACHINES COM 459200101 4,876 45,202 SH SOLE 1 43,066 2,136
INTERNATIONAL BUSINESS MACHINES COM 459200101 92 854 SH SOLE 2 854
INTERNATIONAL BUSINESS MACHINES COM 459200101 475 4,399 SH SOLE 3,207 1,192
INTERNATIONAL BUSINESS MACHINES COM 459200101 238 2,202 SH SOLE 1,570 632
INTERNATIONAL PAPER COMPANY COM 460146103 476 8,426 SH DEFINED 1 7,426 1,000
INTERNATIONAL PAPER COMPANY COM 460146103 118 2,089 SH SOLE 1 2,089
INTUIT INC COM 461202103 1,079 18,000 SH DEFINED 1 18,000
J. P. MORGAN & CO., INC. COM 616880100 190 1,500 SH DEFINED 1 1,500
J. P. MORGAN & CO., INC. COM 616880100 248 1,960 SH SOLE 1 1,960
JANUS FLEXIBLE INCOME FUND #49 COM 471023606 112 11,966 SH DEFINED 1 6,084 5,881
JDS UNIPHASE CORPORATION COM 46612J101 484 3,000 SH SOLE 1 3,000
JEFFERSON-PILOT CORPORATION COM 475070108 27 389 SH DEFINED 389
JEFFERSON-PILOT CORPORATION COM 475070108 397 5,814 SH SOLE 5,814
JOHNSON & JOHNSON COM 478160104 529 5,669 SH DEFINED 1 5,669
JOHNSON & JOHNSON COM 478160104 22 240 SH DEFINED 240
JOHNSON & JOHNSON COM 478160104 7,427 79,650 SH SOLE 1 79,650
JOHNSON & JOHNSON COM 478160104 832 8,920 SH SOLE 8,920
KANSAS CITY SOUTHERN INDUSTRIES INC COM 485170104 213 2,850 SH SOLE 1 2,850
KANSAS CITY SOUTHERN INDUSTRIES INC COM 485170104 201 2,700 SH SOLE 2,700
KELLOGG COMPANY COM 487836108 1,003 32,540 SH SOLE 1 32,540
KEMPER INSURED CORPORATE TRUST COM 487903239 23 94,636 SH SOLE 1 94,636
KEMPER INSURED CORPORATE TRUST COM 487903312 14 20,262 SH SOLE 1 20,262
KIMBERLY CLARK CORP COM 494368103 39 590 SH DEFINED 1 190 400
KIMBERLY CLARK CORP COM 494368103 16 240 SH DEFINED 240
KIMBERLY CLARK CORP COM 494368103 5,081 77,650 SH SOLE 1 77,250 400
KIMBERLY CLARK CORP COM 494368103 211 3,225 SH SOLE 3,225
KLA TENCOR CORPORATION COM 482480100 200 1,800 SH DEFINED 2 1,800
KOHLS CORPORATION COM 500255104 303 4,200 SH DEFINED 2 4,200
LEXINGTON RAMIREZ GLOBAL INCOME COM 529534109 160 16,927 SH DEFINED 1 16,927
LILLY, ELI & CO COM 532457108 27 400 SH DEFINED 2 400
LILLY, ELI & CO COM 532457108 193 2,900 SH SOLE 2 1,800 1,100
LILLY, ELI & CO COM 532457108 552 8,300 SH SOLE 8,300
LOUISIANA PACIFIC CORP COM 546347105 13 900 SH DEFINED 900
LOUISIANA PACIFIC CORP COM 546347105 229 16,278 SH SOLE 16,278
LOWES COMPANIES INC COM 548661107 4,390 73,468 SH SOLE 1 72,498 970
LOWES COMPANIES INC COM 548661107 221 3,700 SH SOLE 3,700
LUCENT TECHNOLOGIES INCORPORATED COM 549463107 1,088 14,508 SH DEFINED 1 10,000 2,388 2,120
LUCENT TECHNOLOGIES INCORPORATED COM 549463107 292 3,888 SH DEFINED 2 3,888
LUCENT TECHNOLOGIES INCORPORATED COM 549463107 126 1,674 SH DEFINED 1,164 510
LUCENT TECHNOLOGIES INCORPORATED COM 549463107 1,961 26,148 SH SOLE 1 25,648 500
LUCENT TECHNOLOGIES INCORPORATED COM 549463107 715 9,534 SH SOLE 2 9,534
LUCENT TECHNOLOGIES INCORPORATED COM 549463107 996 13,276 SH SOLE 13,276
MARRIOTT INTERNATIONAL CL A (NEW) COM 571903202 2,927 92,723 SH SOLE 1 92,723
MCDONALDS CORP COM 580135101 323 8,000 SH DEFINED 1 8,000
MCDONALDS CORP COM 580135101 445 11,040 SH SOLE 1 10,440 600
MCDONALDS CORP COM 580135101 460 11,400 SH SOLE 2 11,400
MCGRAW HILL COMPANIES INC COM 580645109 1,390 22,551 SH SOLE 1 21,087 1,464
MCI WORLDCOM INC. COM 55268B106 24 457 SH DEFINED 1 457
MCI WORLDCOM INC. COM 55268B106 461 8,695 SH SOLE 1 7,945 750
MEDIAONE GROUP INCORPORATED COM 58440J104 184 2,400 SH DEFINED 1 2,400
MEDIAONE GROUP INCORPORATED COM 58440J104 111 1,448 SH SOLE 1 1,448
MEDTRONIC INC COM 585055106 364 10,000 SH DEFINED 2 10,000
MEDTRONIC INC COM 585055106 24 664 SH DEFINED 664
MEDTRONIC INC COM 585055106 3,661 100,485 SH SOLE 1 99,215 1,270
MEDTRONIC INC COM 585055106 240 6,580 SH SOLE 2 6,580
MEDTRONIC INC COM 585055106 371 10,190 SH SOLE 10,190
MERCK & CO., INC COM 589331107 2,362 35,152 SH DEFINED 1 9,056 5,416 20,680
MERCK & CO., INC COM 589331107 440 6,550 SH DEFINED 2 6,200 350
MERCK & CO., INC COM 589331107 7 100 SH DEFINED 100
MERCK & CO., INC COM 589331107 7,427 110,543 SH SOLE 1 108,169 2,374
MERCK & CO., INC COM 589331107 2,802 41,701 SH SOLE 2 41,701
MERCK & CO., INC COM 589331107 1,490 22,180 SH SOLE 22,180
MFS GEORGIA MUNICIPAL BOND FUND COM 55273N756 257 25,427 SH SOLE 1 25,427
MFS MUN SER TR COM 55273N863 200 17,513 SH SOLE 17,513
MFS MUNICIPAL HIGH INCOME FD CL A COM 552984304 129 15,742 SH SOLE 1 15,742
MICROSOFT CORPORATION COM 594918104 322 2,760 SH DEFINED 1 2,700 60
MICROSOFT CORPORATION COM 594918104 397 3,400 SH DEFINED 2 3,400
MICROSOFT CORPORATION COM 594918104 72 615 SH DEFINED 615
MICROSOFT CORPORATION COM 594918104 3,318 28,416 SH SOLE 1 22,430 5,986
MICROSOFT CORPORATION COM 594918104 1,471 12,600 SH SOLE 2 12,600
MICROSOFT CORPORATION COM 594918104 2,040 17,475 SH SOLE 17,475
MID-AMERICA APARTMENTS COM M00090627 139 5,368 SH DEFINED 1 5,368
MID-AMERICA APARTMENTS COM M00090627 327 16,669 SH SOLE 1 16,669
MINNESOTA MINING & MANUFACTURING COM 604059105 274 2,800 SH DEFINED 1 2,000 800
MINNESOTA MINING & MANUFACTURING COM 604059105 872 8,906 SH SOLE 1 8,906
MINNESOTA MINING & MANUFACTURING COM 604059105 367 3,750 SH SOLE 3,750
MONSANTO CO. COM 611662107 319 9,000 SH SOLE 9,000
MORGAN STANLEY DEAN WITTER & CO. COM 617446448 214 1,500 SH DEFINED 2 1,500
MORGAN STANLEY DEAN WITTER & CO. COM 617446448 890 6,233 SH SOLE 6,233
MOTOROLA, INC COM 620076109 398 2,700 SH DEFINED 2 2,700
MOTOROLA, INC COM 620076109 8,695 59,046 SH SOLE 1 58,696 350
MOTOROLA, INC COM 620076109 116 789 SH SOLE 2 789
MOTOROLA, INC COM 620076109 250 1,700 SH SOLE 1,700
MOTOROLA, INC COM 620076109 231 1,566 SH SOLE 1,566
NATIONAL DEPENDENT CARE,INC. COM 629005109 - 282,992 SH SOLE 1 282,992
NOKIA CORP-SPONSORED AMERICAN COM 654902204 344 1,800 SH SOLE 1 1,800
NORFOLK SOUTHERN CORPORATION COM 655844108 256 12,500 SH DEFINED 1 5,400 7,100
NORFOLK SOUTHERN CORPORATION COM 655844108 6 270 SH DEFINED 270
NORFOLK SOUTHERN CORPORATION COM 655844108 474 23,117 SH SOLE 1 23,117
NORFOLK SOUTHERN CORPORATION COM 655844108 796 38,817 SH SOLE 38,817
NORTEL NETWORKS CORP COM 656569100 303 3,000 SH DEFINED 2 3,000
NUVEEN FLAGSHIP MULTISTATE TR III COM 67065P600 142 14,055 SH SOLE 1 14,055
NUVEEN GEORGIA PREMIUM INCOME COM 67060F102 133 10,518 SH SOLE 1 10,518
NUVEEN PERFORMANCE PLUS MUNICIPAL COM 67062P108 244 21,019 SH SOLE 1 21,019
OMNICOM GROUP, INC. COM 681919106 280 2,800 SH DEFINED 2 2,800
OMNICOM GROUP, INC. COM 681919106 80 800 SH SOLE 2 800
ORACLE CORPORATION COM 68389X105 2,003 17,876 SH DEFINED 1 12,210 1,919 3,747
ORACLE CORPORATION COM 68389X105 50 447 SH DEFINED 447
ORACLE CORPORATION COM 68389X105 17,081 152,427 SH SOLE 1 149,862 2,565
ORACLE CORPORATION COM 68389X105 765 6,825 SH SOLE 2 6,825
ORACLE CORPORATION COM 68389X105 767 6,847 SH SOLE 6,847
ORACLE CORPORATION COM 68389X105 231 2,057 SH SOLE 1,000 1,057
PAB BANKSHARES, INC. COM 69313P101 1 75 SH DEFINED 1 75
PAB BANKSHARES, INC. COM 69313P101 1,469 110,342 SH SOLE 1 110,342
PAINE WEBBER GROUP INC COM 695629105 2,355 60,680 SH SOLE 1 60,680
PELOTA PARTNERS A FLORIDA GENERAL COM M00022638 80 80,000 SH SOLE 1 80,000
PEPSICO, INC. COM 713448108 233 6,600 SH DEFINED 1 6,000 600
PEPSICO, INC. COM 713448108 19 540 SH DEFINED 540
PEPSICO, INC. COM 713448108 100 2,834 SH SOLE 1 2,834
PEPSICO, INC. COM 713448108 669 18,970 SH SOLE 18,970
PFIZER INC COM 717081103 586 18,069 SH DEFINED 1 12,000 5,816 253
PFIZER INC COM 717081103 29 885 SH DEFINED 885
PFIZER INC COM 717081103 2,730 84,161 SH SOLE 1 80,341 3,820
PFIZER INC COM 717081103 597 18,400 SH SOLE 2 18,400
PFIZER INC COM 717081103 773 23,830 SH SOLE 23,230 600
PHILIP MORRIS COMPANIES INC COM 718154107 161 7,000 SH DEFINED 1 1,000 1,200 4,800
PHILIP MORRIS COMPANIES INC COM 718154107 9 400 SH DEFINED 2 400
PHILIP MORRIS COMPANIES INC COM 718154107 356 15,494 SH SOLE 1 15,494
PHILIP MORRIS COMPANIES INC COM 718154107 1,003 43,630 SH SOLE 2 41,830 1,800
PIMCO FUNDS PACIFIC MANAGEMENT COM 693390551 204 21,183 SH SOLE 21,183
PPG INDUSTRIES, INC COM 693506107 250 4,000 SH DEFINED 1 4,000
PPG INDUSTRIES, INC COM 693506107 499 7,969 SH SOLE 1 7,969
PREFERRED LAND CORP (GEORGIA) COM 629994104 - 15,000 SH SOLE 1 15,000
PREMIER BANCSHARES INCORPORATED COM 739909109 141 10,350 SH SOLE 1 10,350
PREPAID LEGAL SERVICES INCORPORATED COM 740065107 731 30,469 SH SOLE 1 30,469
PROCTOR & GAMBLE COM 742718109 131 1,200 SH DEFINED 1 200 1,000
PROCTOR & GAMBLE COM 742718109 279 2,550 SH DEFINED 2 2,100 450
PROCTOR & GAMBLE COM 742718109 9 85 SH DEFINED 85
PROCTOR & GAMBLE COM 742718109 38 350 SH DEFINED 350
PROCTOR & GAMBLE COM 742718109 4,566 41,674 SH SOLE 1 41,399 275
PROCTOR & GAMBLE COM 742718109 1,823 16,639 SH SOLE 2 16,639
PROCTOR & GAMBLE COM 742718109 517 4,721 SH SOLE 4,721
PROCTOR & GAMBLE COM 742718109 175 1,597 SH SOLE 806 791
PROVIDIAN FINANCIAL CORPORATION COM 74406A102 466 5,122 SH SOLE 5,122
PUTNAM TAX EXEMPT INCOME FUND COM 746870104 189 22,547 SH SOLE 1 22,547
QUALCOMM CORP COM 747525103 881 5,000 SH DEFINED 1 5,000
QUALCOMM CORP COM 747525103 389 2,208 SH SOLE 1 1,808 400
REGIONS FINANCIAL CORP COM 758940100 346 13,785 SH SOLE 1 13,785
RELIANT ENERGY INC. COM 75952J108 9 400 SH DEFINED 1 400
RELIANT ENERGY INC. COM 75952J108 1,311 57,320 SH SOLE 1 57,320
ROCKWELL INTERNATIONAL CORPORATION COM 773903109 232 4,856 SH SOLE 1 4,856
ROYAL DUTCH PETROLEUM COMPANY NEW COM 780257804 170 2,800 SH DEFINED 1 2,800
ROYAL DUTCH PETROLEUM COMPANY NEW COM 780257804 285 4,699 SH SOLE 1 4,699
SARA LEE CORPORATION COM 803111103 287 13,000 SH DEFINED 1 8,000 5,000
SARA LEE CORPORATION COM 803111103 11 480 SH DEFINED 480
SARA LEE CORPORATION COM 803111103 2,543 115,278 SH SOLE 1 114,528 750
SARA LEE CORPORATION COM 803111103 326 14,790 SH SOLE 14,790
SBC COMMUNICATIONS, INC. COM 78387G103 1,082 22,193 SH DEFINED 1 12,458 9,581 154
SBC COMMUNICATIONS, INC. COM 78387G103 146 3,000 SH DEFINED 2 300 2,700
SBC COMMUNICATIONS, INC. COM 78387G103 54 1,105 SH DEFINED 1,105
SBC COMMUNICATIONS, INC. COM 78387G103 7,953 163,137 SH SOLE 1 159,457 3,680
SBC COMMUNICATIONS, INC. COM 78387G103 532 10,904 SH SOLE 2 10,904
SBC COMMUNICATIONS, INC. COM 78387G103 1,075 22,053 SH SOLE 22,053
SCANA CORPORATION COM 805898103 17 642 SH DEFINED 642
SCANA CORPORATION COM 805898103 191 7,097 SH SOLE 6,697 400
SCHERING PLOUGH CORP. COM 806605101 68 1,600 SH DEFINED 1 1,000 600
SCHERING PLOUGH CORP. COM 806605101 4 104 SH DEFINED 104
SCHERING PLOUGH CORP. COM 806605101 836 19,728 SH SOLE 1 19,728
SCHERING PLOUGH CORP. COM 806605101 949 22,400 SH SOLE 2 22,400
SCHERING PLOUGH CORP. COM 806605101 1,475 34,800 SH SOLE 34,800
SCHLUMBERGER LTD COM 806857108 157 2,800 SH DEFINED 1 2,800
SCHLUMBERGER LTD COM 806857108 2,548 45,393 SH SOLE 1 45,393
SCHLUMBERGER LTD COM 806857108 255 4,550 SH SOLE 2 4,550
SCHLUMBERGER LTD COM 806857108 373 6,650 SH SOLE 6,650
SCHOLASTIC CORPORATION COM 807066105 252 4,051 SH SOLE 1 4,051
SEAGRAM LIMITED COM 811850106 251 5,600 SH SOLE 2 5,600
SELIGMAN INCOME FUND, INC. COM 816338107 243 17,917 SH SOLE 17,917
SELIGMAN MUNICIPAL SOUTH CAROLINA COM 816346811 1,148 156,589 SH SOLE 156,589
SMITHKLINE BEECHAM PLC CLASS A COM 832378301 244 3,800 SH DEFINED 2 3,800
SMITHKLINE BEECHAM PLC CLASS A COM 832378301 269 4,200 SH SOLE 2 4,200
SONOCO PRODUCTS COMPANY COM 835495102 254 11,180 SH DEFINED 11,180
SOUTHEASTERN FACTOR & FINANCE COM 784991101 - 14,700 SH SOLE 1 14,700
SOUTHERN COMPANY COM 842587107 319 13,590 SH DEFINED 1 4,100 9,490
SOUTHERN COMPANY COM 842587107 1,887 80,278 SH SOLE 1 80,278
SPRINT CORPORATION SERIES I PCS COM 852061506 205 2,000 SH DEFINED 1 2,000
SPRINT CORPORATION SERIES I PCS COM 852061506 327 3,192 SH SOLE 1 2,532 660
SPRINT, CORP COM 852061100 539 8,000 SH DEFINED 1 8,000
SPRINT, CORP COM 852061100 1,034 15,368 SH SOLE 1 10,128 5,240
SPRINT, CORP COM 852061100 269 4,000 SH SOLE 4,000
ST PAUL COMPANIES, INC. COM 792860108 214 6,367 SH SOLE 1 6,367
STEELCASE INC. CLASS B COM 858155401 154 12,857 SH SOLE 12,857
STEIN ROE INCOME TR COM 858420102 120 13,027 SH DEFINED 1 13,027
STRATEGIC TECHNOLOGIES, INC COM 786991109 - 38,000 SH SOLE 1 38,000
SUN MICROSYSTEMS, INC. COM 866810104 310 4,000 SH DEFINED 2 4,000
SUN MICROSYSTEMS, INC. COM 866810104 878 11,339 SH SOLE 1 11,339
SUN MICROSYSTEMS, INC. COM 866810104 2,623 33,870 SH SOLE 33,870
SUNTRUST BANKS INC COM 867914103 586 8,512 SH DEFINED 1 1,000 5,612 1,900
SUNTRUST BANKS INC COM 867914103 241 3,500 SH DEFINED 2 3,500
SUNTRUST BANKS INC COM 867914103 17,322 251,720 SH SOLE 1 251,720
SUNTRUST BANKS INC COM 867914103 303 4,400 SH SOLE 2 4,400
SYNOVUS FINANCIAL CORP. COM 87161C105 285,432 14,361,371 SH DEFINED 1 12,897 829,419 13,519,055
SYNOVUS FINANCIAL CORP. COM 87161C105 669 33,646 SH DEFINED 2 33,646
SYNOVUS FINANCIAL CORP. COM 87161C105 432,690 21,770,571 SH SOLE 1 20,655,395 37,150 1,078,026
SYNOVUS FINANCIAL CORP. COM 87161C105 8,004 402,710 SH SOLE 2 402,710
SYNOVUS FINANCIAL CORP. COM 87161C105 6,331 318,540 SH SOLE 318,540
SYNOVUS FINANCIAL CORP. COM 87161C105 3,335 167,795 SH SOLE 110,483 57,312
T ROWE PRICE SPECTRUM INCOME FUND COM 779906106 157 14,644 SH DEFINED 1 14,644
TECO ENERGY INC. COM 872375100 184 9,900 SH DEFINED 2 9,900
TECO ENERGY INC. COM 872375100 726 39,100 SH SOLE 2 39,100
TELLABS, INC. DELEWARE COM 879664100 209 3,250 SH SOLE 3,250
TEXACO INC COM 881694103 114 2,100 SH DEFINED 1 200 1,900
TEXACO INC COM 881694103 33 600 SH DEFINED 600
TEXACO INC COM 881694103 276 5,073 SH SOLE 1 5,073
TEXACO INC COM 881694103 314 5,785 SH SOLE 5,785
TEXAS INSTRUMENTS INC COM 882508104 387 4,000 SH DEFINED 1 4,000
TEXAS INSTRUMENTS INC COM 882508104 319 3,300 SH DEFINED 2 3,300
TEXAS INSTRUMENTS INC COM 882508104 6,349 65,711 SH SOLE 1 64,911 800
TEXAS INSTRUMENTS INC COM 882508104 354 3,665 SH SOLE 3,665
THE GOVERNMENT SECURITIES INCOME COM 383743580 11 278,592 SH SOLE 278,592
TIME WARNER INC COM 887315109 217 3,000 SH DEFINED 1 3,000
TIME WARNER INC COM 887315109 202 2,800 SH DEFINED 2 2,800
TIME WARNER INC COM 887315109 19 260 SH SOLE 1 260
TIME WARNER INC COM 887315109 145 2,000 SH SOLE 2 2,000
TOTAL SYSTEM SERVICES, INC. COM 891906109 4,775 292,719 SH DEFINED 1 1,750 285,569 5,400
TOTAL SYSTEM SERVICES, INC. COM 891906109 20,612 1,263,558 SH SOLE 1 1,221,007 42,551
TYCO INTERNATIONAL LIMITED (NEW) COM 902124106 290 7,430 SH SOLE 1 7,430
TYCO INTERNATIONAL LIMITED (NEW) COM 902124106 218 5,600 SH SOLE 2 5,600
U S WEST INCORPORATED NEW COM 91273H101 249 3,465 SH DEFINED 1 2,465 1,000
U S WEST INCORPORATED NEW COM 91273H101 250 3,472 SH SOLE 1 3,472
U.S. GOVT SECURITIES FUND #22 COM 026300103 131 10,545 SH SOLE 10,545
UNION PLANTERS CORP COM 908068109 252 6,379 SH SOLE 1 6,379
UNITED HEALTHCARE CORPORATION COM 910581107 2,055 38,676 SH SOLE 1 38,116 560
UNITED TECHNOLOGIES CORP COM 913017109 16 250 SH DEFINED 1 100 150
UNITED TECHNOLOGIES CORP COM 913017109 277 4,264 SH SOLE 1 4,264
UNITED TECHNOLOGIES CORP COM 913017109 273 4,200 SH SOLE 4,200
VANGUARD ADMIRAL FUNDS COM 921932208 236 23,862 SH DEFINED 1 23,862
VANGUARD BOND INDEX TOTAL BOND COM 921937108 182 19,086 SH DEFINED 1 19,086
VANGUARD FIXED INCOME SHORT TERM COM 922031406 194 18,438 SH DEFINED 1 18,438
VANGUARD FIXED SECURITIES FUND - COM 922031307 117 11,902 SH DEFINED 1 8,952 2,949
VANGUARD FIXED SECURITIES FUND - COM 922031307 143 14,497 SH DEFINED 2 14,497
VANGUARD FIXED SECURITIES FUND - COM 922031307 908 92,115 SH SOLE 1 92,115
VANGUARD FIXED SECURITIES FUND - COM 922031307 2,913 295,394 SH SOLE 2 290,131 5,263
VANGUARD MUNICIPAL BOND INTERMED. COM 922907209 1,604 125,581 SH SOLE 1 124,421 1,160
VANGUARD MUNICIPAL BOND INTERMED. COM 922907209 1,148 89,923 SH SOLE 89,923
VLASSIC FOODS INTERNATIONAL COM 928559103 85 15,000 SH DEFINED 1 15,000
VODAFONE AIRTOUCH PUBLIC LIMITED CO COM 92857T107 127 2,560 SH DEFINED 1 2,560
VODAFONE AIRTOUCH PUBLIC LIMITED CO COM 92857T107 1,067 21,555 SH SOLE 1 21,555
WACHOVIA CORPORATION COM 929771103 544 8,006 SH DEFINED 1 672 7,334
WACHOVIA CORPORATION COM 929771103 5,647 83,049 SH SOLE 1 83,049
WALGREEN COMPANY COM 931422109 176 6,000 SH DEFINED 2 6,000
WALGREEN COMPANY COM 931422109 303 10,350 SH SOLE 2 10,350
WAL-MART STORES, INC. COM 931142103 1,010 14,616 SH DEFINED 1 6,000 8,421 195
WAL-MART STORES, INC. COM 931142103 359 5,200 SH DEFINED 2 5,200
WAL-MART STORES, INC. COM 931142103 6 90 SH DEFINED 90
WAL-MART STORES, INC. COM 931142103 2,960 42,814 SH SOLE 1 42,814
WAL-MART STORES, INC. COM 931142103 3,817 55,212 SH SOLE 2 55,212
WAL-MART STORES, INC. COM 931142103 897 12,978 SH SOLE 12,978
WALT DISNEY COMPANY HOLDING CO. COM 254687106 250 8,545 SH DEFINED 1 7,000 1,545
WALT DISNEY COMPANY HOLDING CO. COM 254687106 18 600 SH DEFINED 2 600
WALT DISNEY COMPANY HOLDING CO. COM 254687106 16 555 SH DEFINED 555
WALT DISNEY COMPANY HOLDING CO. COM 254687106 3,506 119,850 SH SOLE 1 119,850
WALT DISNEY COMPANY HOLDING CO. COM 254687106 1,099 37,560 SH SOLE 2 37,560
WALT DISNEY COMPANY HOLDING CO. COM 254687106 445 15,215 SH SOLE 15,215
WARBURG PINCUS GLOBAL FIXED INCOME COM 933907107 126 12,655 SH DEFINED 1 12,655
WARNER LAMBERT CO COM 934488107 115 1,400 SH DEFINED 1 1,400
WARNER LAMBERT CO COM 934488107 4 46 SH DEFINED 46
WARNER LAMBERT CO COM 934488107 1,571 19,171 SH SOLE 1 19,171
WARNER LAMBERT CO COM 934488107 914 11,152 SH SOLE 2 11,152
WARNER LAMBERT CO COM 934488107 1,198 14,620 SH SOLE 14,620
WASHINGTON MUTUAL, INC. COM 939322103 1,795 69,368 SH SOLE 1 69,368
WELLS FARGO & COMPANY NEW COM 949746101 226 5,600 SH DEFINED 1 3,600 2,000
WELLS FARGO & COMPANY NEW COM 949746101 226 5,590 SH SOLE 1 5,590
WESTPOINT STEVENS INC COM 961238102 424 24,217 SH SOLE 1 24,217
WEYERHAEUSER CO COM 962166104 2,374 33,060 SH SOLE 1 33,060
WINN-DIXIE STORES, INC. COM 974280109 1,044 43,596 SH DEFINED 2 43,596
WINN-DIXIE STORES, INC. COM 974280109 124 5,200 SH DEFINED 5,200
WINN-DIXIE STORES, INC. COM 974280109 811 33,890 SH SOLE 1 33,890
WINN-DIXIE STORES, INC. COM 974280109 1,095 45,736 SH SOLE 2 45,736
WINN-DIXIE STORES, INC. COM 974280109 278 11,627 SH SOLE 11,627
WISCONSIN ENERGY CORP COM 976657106 69 3,600 SH DEFINED 1 3,600
WISCONSIN ENERGY CORP COM 976657106 163 8,450 SH SOLE 1 8,450
XEROX CORP COM 984121103 7 320 SH DEFINED 1 320
XEROX CORP COM 984121103 2,113 93,140 SH SOLE 1 92,510 630
YAHOO! INCORPORATED COM 984332106 65 150 SH DEFINED 1 150
YAHOO! INCORPORATED COM 984332106 476 1,100 SH DEFINED 2 1,100
YAHOO! INCORPORATED COM 984332106 186 430 SH SOLE 1 430
</TABLE>
