UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: June 30,2000
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 7/31/00
[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: 587
Form 13F Information Table Value Total: 1,906,337
(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 152 3,400 SH DEFINED 1 3,400
ABBOTT LABS COM 002824100 6 125 SH DEFINED 125
ABBOTT LABS COM 002824100 425 9,540 SH SOLE 1 9,540
ABBOTT LABS COM 002824100 584 13,100 SH SOLE 13,100
ADOBE SYSTEMS, INC COM 00724F101 312 2,400 SH DEFINED 2 2,400
AFLAC, INCORPORATED COM 001055102 4,103 89,319 SH DEFINED 1 13,711 75,608
AFLAC, INCORPORATED COM 001055102 18,940 412,304 SH SOLE 1 411,384 920
AGILENT TECHNOLOGIE COM 00846U101 34 462 SH DEFINED 1 108 354
AGILENT TECHNOLOGIE COM 00846U101 5 70 SH DEFINED 70
AGILENT TECHNOLOGIE COM 00846U101 327 4,429 SH SOLE 1 4,246 183
AGILENT TECHNOLOGIE COM 00846U101 344 4,670 SH SOLE 4,670
AIR PRODUCTS & CHEM COM 009158106 1,125 36,280 SH SOLE 1 36,040 240
ALCOA INC COM 013817101 206 7,106 SH DEFINED 1 2,306 4,800
ALCOA INC COM 013817101 505 17,400 SH SOLE 1 17,400
ALLIANCE MTG SECS I COM 018639104 163 20,109 SH SOLE 1 20,109
ALLNETSERVICES COM COM 01976N107 5 10,000 SH SOLE 1 10,000
ALLSTATE CORPORATIO COM 020002101 233 10,476 SH SOLE 10,476
ALLTEL CORPORATION COM 020039103 423 6,836 SH SOLE 1 6,516 320
ALLTEL CORPORATION COM 020039103 359 5,796 SH SOLE 5,796
AMERICA ONLINE, INC COM 02364J104 46 875 SH DEFINED 1 710 125 40
AMERICA ONLINE, INC COM 02364J104 488 9,275 SH SOLE 1 7,275 2,000
AMERICAN BOND FUND COM 097873103 186 14,598 SH SOLE 14,598
AMERICAN ELECTRIC P COM 025537101 79 2,659 SH DEFINED 1 2,659
AMERICAN ELECTRIC P COM 025537101 142 4,800 SH SOLE 1 4,800
AMERICAN EXPRESS CO COM 025816109 550 10,550 SH DEFINED 1 3,800 2,100 4,650
AMERICAN EXPRESS CO COM 025816109 728 13,959 SH SOLE 1 13,959
AMERICAN HIGH-INCOM COM 026547109 333 25,332 SH SOLE 25,332
AMERICAN HOME PRODU COM 026609107 341 5,800 SH DEFINED 1 3,800 2,000
AMERICAN HOME PRODU COM 026609107 5,981 101,811 SH SOLE 1 101,081 730
AMERICAN HOME PRODU COM 026609107 329 5,600 SH SOLE 2 5,600
AMERICAN HOME PRODU COM 026609107 480 8,175 SH SOLE 8,175
AMERICAN INTERNATIO COM 026874107 10 86 SH DEFINED 86
AMERICAN INTERNATIO COM 026874107 248 2,107 SH SOLE 2,107
AMGEN INC COM 031162100 866 12,334 SH DEFINED 1 12,334
AMGEN INC COM 031162100 492 7,000 SH DEFINED 2 7,000
AMGEN INC COM 031162100 37 520 SH DEFINED 520
AMGEN INC COM 031162100 915 13,026 SH SOLE 1 13,026
AMGEN INC COM 031162100 450 6,400 SH SOLE 6,400
ANHEUSER BUSCH COMP COM 035229103 299 4,000 SH DEFINED 1 4,000
ANHEUSER BUSCH COMP COM 035229103 45 600 SH DEFINED 2 600
ANHEUSER BUSCH COMP COM 035229103 217 2,900 SH SOLE 1 2,900
ANHEUSER BUSCH COMP COM 035229103 299 4,000 SH SOLE 2 4,000
APPLIED MATERIALS I COM 038222105 5,201 57,385 SH SOLE 1 57,385
ARCHER-DANIELS-MIDL COM 039483102 197 20,048 SH DEFINED 1 20,048
ARCHER-DANIELS-MIDL COM 039483102 14 1,400 SH SOLE 1 1,400
AT&T CORP COM 001957109 503 15,806 SH DEFINED 1 13,317 2,489
AT&T CORP COM 001957109 29 900 SH DEFINED 2 900
AT&T CORP COM 001957109 50 1,560 SH DEFINED 1,350 210
AT&T CORP COM 001957109 3,170 99,635 SH SOLE 1 99,635
AT&T CORP COM 001957109 531 16,684 SH SOLE 2 16,684
AT&T CORP COM 001957109 640 20,111 SH SOLE 20,111
AT&T CORPORATION CO COM 001957208 390 16,000 SH DEFINED 2 16,000
AUTOMATIC DATA PROC COM 053015103 236 4,400 SH DEFINED 1 4,400
AUTOMATIC DATA PROC COM 053015103 788 14,719 SH SOLE 1 14,719
BANK OF AMERICA COR COM 060505104 423 9,746 SH DEFINED 1 168 5,236 4,342
BANK OF AMERICA COR COM 060505104 648 14,928 SH DEFINED 2 840 12,139 1,949
BANK OF AMERICA COR COM 060505104 3,959 91,273 SH SOLE 1 88,069 3,204
BANK OF AMERICA COR COM 060505104 946 21,814 SH SOLE 2 21,814
BANK OF AMERICA COR COM 060505104 2,294 52,878 SH SOLE 51,406 1,472
BANK ONE CORPORATIO COM 06423A103 30 1,132 SH DEFINED 1 1,132
BANK ONE CORPORATIO COM 06423A103 458 17,259 SH SOLE 1 17,039 220
BAXTER INTERNATIONA COM 071813109 91 1,300 SH DEFINED 1 500 800
BAXTER INTERNATIONA COM 071813109 122 1,739 SH SOLE 1 1,739
BB & T CORPORATION COM 054937107 85 3,552 SH DEFINED 1 3,552
BB & T CORPORATION COM 054937107 200 8,394 SH SOLE 1 6,914 1,480
BELL ATLANTIC CORPO COM 077853109 536 10,528 SH DEFINED 1 6,672 3,856
BELL ATLANTIC CORPO COM 077853109 68 1,336 SH DEFINED 2 1,000 336
BELL ATLANTIC CORPO COM 077853109 82 1,600 SH DEFINED 1,600
BELL ATLANTIC CORPO COM 077853109 2,238 43,944 SH SOLE 1 43,944
BELL ATLANTIC CORPO COM 077853109 854 16,770 SH SOLE 2 16,770
BELL ATLANTIC CORPO COM 077853109 275 5,402 SH SOLE 5,402
BELLSOUTH CORPORATI COM 079860102 2,957 69,363 SH DEFINED 1 7,455 58,484 3,424
BELLSOUTH CORPORATI COM 079860102 354 8,300 SH DEFINED 2 7,400 900
BELLSOUTH CORPORATI COM 079860102 121 2,840 SH DEFINED 2,400 440
BELLSOUTH CORPORATI COM 079860102 7,545 177,010 SH SOLE 1 172,300 4,710
BELLSOUTH CORPORATI COM 079860102 3,091 72,518 SH SOLE 2 72,518
BELLSOUTH CORPORATI COM 079860102 964 22,618 SH SOLE 22,438 180
BERKSHIRE HATHAWAY, COM 084670108 1,128 21 SH SOLE 1 21
BESTFOODS INCORPORA COM 08658U101 55 800 SH DEFINED 1 800
BESTFOODS INCORPORA COM 08658U101 5,203 75,133 SH SOLE 1 72,483 2,650
BESTFOODS INCORPORA COM 08658U101 554 8,000 SH SOLE 2 8,000
BESTFOODS INCORPORA COM 08658U101 467 6,750 SH SOLE 6,050 700
BOLLINGER INDUSTRIE COM 097676100 12 28,000 SH SOLE 1 28,000
BOLLINGER INDUSTRIE COM 097676993 45 110,000 SH SOLE 1 110,000
BP AMOCO PLC SPONSO COM 055622104 655 11,573 SH DEFINED 1 5,950 5,623
BP AMOCO PLC SPONSO COM 055622104 457 8,070 SH DEFINED 2 8,070
BP AMOCO PLC SPONSO COM 055622104 10 184 SH DEFINED 184
BP AMOCO PLC SPONSO COM 055622104 5,320 93,956 SH SOLE 1 91,708 2,248
BP AMOCO PLC SPONSO COM 055622104 366 6,470 SH SOLE 2 6,470
BP AMOCO PLC SPONSO COM 055622104 254 4,482 SH SOLE 4,384 98
BRISTOL-MYERS SQUIB COM 110122108 1,140 19,563 SH DEFINED 1 8,650 7,028 3,885
BRISTOL-MYERS SQUIB COM 110122108 47 800 SH DEFINED 2 800
BRISTOL-MYERS SQUIB COM 110122108 5,306 91,092 SH SOLE 1 89,772 700 620
BRISTOL-MYERS SQUIB COM 110122108 1,803 30,947 SH SOLE 2 30,947
BRISTOL-MYERS SQUIB COM 110122108 1,803 30,952 SH SOLE 30,952
BUILDING MATERIALS COM 120113105 88 10,000 SH DEFINED 1 10,000
BUTLER FIFTH GENERA COM 056010309 10,824 225,631 SH SOLE 1 225,631
CENTURY SOUTH BANKS COM 156683104 226 11,689 SH SOLE 1 11,689
CHASE MANHATTAN COR COM 16161A108 217 4,717 SH SOLE 1 4,717
CHEVRON CORPORATION COM 166751107 329 3,870 SH DEFINED 1 2,622 1,248
CHEVRON CORPORATION COM 166751107 144 1,700 SH DEFINED 2 1,700
CHEVRON CORPORATION COM 166751107 3,656 43,049 SH SOLE 1 42,754 295
CHEVRON CORPORATION COM 166751107 1,440 16,952 SH SOLE 2 16,952
CHUBB CORPORATION COM 171232101 5,132 83,444 SH DEFINED 1 1,744 81,700
CHUBB CORPORATION COM 171232101 2,700 43,909 SH SOLE 1 43,749 160
CISCO SYSTEMS COM 17275R102 466 7,328 SH DEFINED 1 548 6,780
CISCO SYSTEMS COM 17275R102 470 7,400 SH DEFINED 2 6,400 1,000
CISCO SYSTEMS COM 17275R102 7 108 SH DEFINED 108
CISCO SYSTEMS COM 17275R102 2,859 44,984 SH SOLE 1 42,984 2,000
CISCO SYSTEMS COM 17275R102 513 8,075 SH SOLE 2 8,075
CISCO SYSTEMS COM 17275R102 2,580 40,582 SH SOLE 40,582
CITIGROUP INCORPORA COM 172967101 1,243 20,568 SH DEFINED 1 8,100 12,468
CITIGROUP INCORPORA COM 172967101 25 410 SH DEFINED 410
CITIGROUP INCORPORA COM 172967101 44 730 SH DEFINED 730
CITIGROUP INCORPORA COM 172967101 956 15,822 SH SOLE 1 15,072 750
CITIGROUP INCORPORA COM 172967101 836 13,832 SH SOLE 13,832
CITIGROUP INCORPORA COM 172967101 223 3,697 SH SOLE 2,082 1,615
CLOROX COMPANY COM 189054109 27 596 SH DEFINED 1 596
CLOROX COMPANY COM 189054109 305 6,800 SH SOLE 1 6,800
COASTAL CORPORATION COM 190441105 2,552 41,917 SH SOLE 1 41,917
COCA COLA COMPANY COM 191216100 27,913 485,972 SH DEFINED 1 56,359 419,257 10,356
COCA COLA COMPANY COM 191216100 4,882 85,000 SH DEFINED 2 85,000
COCA COLA COMPANY COM 191216100 17 292 SH DEFINED 292
COCA COLA COMPANY COM 191216100 476,188 8,290,478 SH SOLE 1 8,244,367 46,111
COCA COLA COMPANY COM 191216100 124,338 2,164,729 SH SOLE 2 2,063,769 100,960
COCA COLA COMPANY COM 191216100 679 11,825 SH SOLE 11,825
COLGATE-PALMOLIVE C COM 194162103 323 5,400 SH DEFINED 2 5,400
COLGATE-PALMOLIVE C COM 194162103 9 146 SH DEFINED 146
COLGATE-PALMOLIVE C COM 194162103 2,903 48,483 SH SOLE 1 48,483
COLGATE-PALMOLIVE C COM 194162103 186 3,100 SH SOLE 2 3,100
COLGATE-PALMOLIVE C COM 194162103 419 7,000 SH SOLE 7,000
COMPAQ COMPUTER COR COM 204493100 155 6,060 SH DEFINED 1 4,000 2,060
COMPAQ COMPUTER COR COM 204493100 4,162 162,809 SH SOLE 1 161,126 1,683
CONAGRA, INC. COM 205887102 1,830 96,005 SH SOLE 1 96,005
CONOCO INCORPORATED COM 208251306 220 10,000 SH DEFINED 1 10,000
CORNING INCORPORATE COM 219350105 621 2,300 SH DEFINED 2 2,300
CORNING INCORPORATE COM 219350105 324 1,200 SH SOLE 1 1,200
CORNING INCORPORATE COM 219350105 621 2,300 SH SOLE 2,300
CORPAS INVESTMENTS, COM 21986N103 88 13,333 SH SOLE 1 13,333
COUSINS PROPERTIES COM 222795106 77 2,000 SH DEFINED 1 2,000
COUSINS PROPERTIES COM 222795106 202 5,250 SH SOLE 1 5,250
COX COMMUNICATIONS, COM 224044107 203 4,450 SH DEFINED 1 4,450
CP&L ENERGY, INC. COM 12614C106 45 1,400 SH DEFINED 1 1,400
CP&L ENERGY, INC. COM 12614C106 179 5,600 SH SOLE 1 5,600
CUSTOM CAR CARE CO COM 126990100 0 20,000 SH SOLE 1 20,000
DARDEN RESTAURANTS COM 237194105 203 12,500 SH DEFINED 1 8,000 4,500
DARDEN RESTAURANTS COM 237194105 757 46,582 SH SOLE 1 46,582
DELL COMPUTER CORPO COM 247025109 133 2,700 SH DEFINED 1 2,700
DELL COMPUTER CORPO COM 247025109 203 4,122 SH SOLE 1 2,210 1,912
DEVELOPERS-INVESTOR COM 232990AA9 456 450,000 SH SOLE 1
DOW CHEMICAL COMPAN COM 260543103 46 1,500 SH DEFINED 1 1,500
DOW CHEMICAL COMPAN COM 260543103 159 5,181 SH SOLE 1 5,181
DUKE ENERGY CORPORA COM 264399106 440 7,750 SH DEFINED 1 2,000 5,750
DUKE ENERGY CORPORA COM 264399106 23 400 SH DEFINED 2 400
DUKE ENERGY CORPORA COM 264399106 11 200 SH DEFINED 200
DUKE ENERGY CORPORA COM 264399106 128 2,263 SH SOLE 1 2,263
DUKE ENERGY CORPORA COM 264399106 233 4,100 SH SOLE 2 4,100
DUKE ENERGY CORPORA COM 264399106 400 7,053 SH SOLE 7,053
DUN AND BRADSTREET COM 26483B106 279 9,750 SH SOLE 9,750
E. I. DUPONT DE NEM COM 263534109 536 12,197 SH DEFINED 1 6,292 5,505 400
E. I. DUPONT DE NEM COM 263534109 66 1,500 SH DEFINED 2 1,500
E. I. DUPONT DE NEM COM 263534109 1,563 35,550 SH SOLE 1 35,285 265
E. I. DUPONT DE NEM COM 263534109 180 4,100 SH SOLE 2 4,100
E. I. DUPONT DE NEM COM 263534109 2,149 48,889 SH SOLE 48,889
EARTH SCIENCES, INC COM 270312200 2 10,000 SH SOLE 1 10,000
EASTMAN KODAK CO. COM 277461109 299 5,020 SH DEFINED 1 4,000 300 720
EASTMAN KODAK CO. COM 277461109 228 3,827 SH SOLE 1 3,163 664
EATON VANCE MARATHO COM 27826L843 96 10,195 SH SOLE 1 10,195
ECHELON CORPORATION COM 27874N105 429 7,400 SH SOLE 1 7,400
EDISON INTERNATIONA COM 281020107 293 14,285 SH SOLE 2 14,285
EL PASO ENERGY CORP COM 283905107 253 4,960 SH SOLE 4,960
ELECTRONIC DATA SYS COM 285661104 66 1,600 SH DEFINED 1 1,600
ELECTRONIC DATA SYS COM 285661104 2,372 57,512 SH SOLE 1 54,287 3,225
EMC CORP COM 268648102 15 190 SH DEFINED 1 190
EMC CORP COM 268648102 655 8,500 SH DEFINED 2 8,200 300
EMC CORP COM 268648102 399 5,188 SH SOLE 1 5,188
EMC CORP COM 268648102 924 12,000 SH SOLE 2 12,000
EMERSON ELECTRIC CO COM 291011104 200 3,315 SH DEFINED 1 3,000 315
EMERSON ELECTRIC CO COM 291011104 18 300 SH DEFINED 2 300
EMERSON ELECTRIC CO COM 291011104 3,797 62,897 SH SOLE 1 62,637 260
EMERSON ELECTRIC CO COM 291011104 205 3,400 SH SOLE 2 3,400
ENRON CORPORATION COM 293561106 355 5,500 SH DEFINED 2 5,500
ENRON CORPORATION COM 293561106 3,380 52,404 SH SOLE 51,604 800
EQUIFAX, INCORPORAT COM 294429105 269 10,239 SH DEFINED 1 6,239 4,000
EQUIFAX, INCORPORAT COM 294429105 110 4,200 SH SOLE 1 4,200
EVERGREEN FDS COM 300237625 176 18,363 SH SOLE 1 18,363
EXXON MOBIL CORPORA COM 30231G102 3,085 39,301 SH DEFINED 1 3,095 31,214 4,992
EXXON MOBIL CORPORA COM 30231G102 490 6,248 SH DEFINED 2 5,056 1,192
EXXON MOBIL CORPORA COM 30231G102 20 252 SH DEFINED 252
EXXON MOBIL CORPORA COM 30231G102 140 1,781 SH DEFINED 1,781
EXXON MOBIL CORPORA COM 30231G102 14,000 178,346 SH SOLE 1 176,582 1,764
EXXON MOBIL CORPORA COM 30231G102 4,454 56,742 SH SOLE 2 56,742
EXXON MOBIL CORPORA COM 30231G102 6,202 79,010 SH SOLE 78,610 400
EXXON MOBIL CORPORA COM 30231G102 237 3,017 SH SOLE 3,017
FANNIE MAE COM 313586109 99 1,900 SH DEFINED 1 1,500 400
FANNIE MAE COM 313586109 248 4,750 SH DEFINED 2 4,300 450
FANNIE MAE COM 313586109 5 91 SH DEFINED 91
FANNIE MAE COM 313586109 3,482 66,553 SH SOLE 1 66,303 250
FANNIE MAE COM 313586109 89 1,700 SH SOLE 2 1,700
FANNIE MAE COM 313586109 357 6,825 SH SOLE 6,825
FEDERATED FUND #09 COM 31428M100 173 16,845 SH DEFINED 1 1,023 15,821
FEDERATED FUND #09 COM 31428M100 145 14,124 SH SOLE 1 14,124
FEDERATED FUND #47 COM 31428P103 319 30,686 SH SOLE 1 30,686
FEDERATED HIGH YIEL COM 314197104 57 7,446 SH DEFINED 1 5,597 1,849
FEDERATED HIGH YIEL COM 314197104 2,011 262,192 SH SOLE 1 248,697 13,495
FEDERATED INCOME TR COM 314199100 317 32,191 SH SOLE 32,191
FEDERATED SHORT TER COM 31420C209 304 35,587 SH SOLE 1 35,587
FIDELITY GOVERNMENT COM 316172105 150 15,844 SH SOLE 15,844
FIDELITY INCOME FUN COM 31617K204 113 10,894 SH DEFINED 1 10,894
FIDELITY INSTITUTIO COM 315809400 33 3,611 SH DEFINED 1 3,611
FIDELITY INSTITUTIO COM 315809400 502 55,426 SH SOLE 1 55,426
FIDELITY INTERMEDIA COM 31617K303 145 15,561 SH DEFINED 1 11,442 4,119
FIDELITY U.S. BOND COM 315911107 141 13,803 SH DEFINED 1 13,803
FIRST AUSTRALIA PRI COM 318653102 66 14,222 SH SOLE 2 14,222
FIRST SOUTHEASTERN COM 303999106 0 12,108 SH SOLE 1 12,108
FIRST TENNESSEE NAT COM 337162101 327 19,744 SH DEFINED 1 19,744
FIRST UNION CORPORA COM 337358105 723 29,136 SH DEFINED 1 5,000 24,136
FIRST UNION CORPORA COM 337358105 652 26,258 SH SOLE 1 26,258
FLEETBOSTON FINANCI COM 339030108 60 1,750 SH DEFINED 1 900 850
FLEETBOSTON FINANCI COM 339030108 3,202 94,180 SH SOLE 1 94,180
FLOWERS INDUSTRIES, COM 343496105 1,231 61,734 SH SOLE 1 61,734
FORD MOTOR COMPANY COM 345370100 82 1,906 SH DEFINED 1 1,906
FORD MOTOR COMPANY COM 345370100 3,287 76,434 SH SOLE 1 75,804 630
FORD MOTOR COMPANY COM 345370100 207 4,825 SH SOLE 4,825
FPL GROUP, INC. COM 302571104 129 2,600 SH DEFINED 1 2,600
FPL GROUP, INC. COM 302571104 110 2,205 SH SOLE 1 2,205
FRANKLIN CUSTODIAN COM 353496300 22 9,954 SH DEFINED 1 9,882 72
FRANKLIN CUSTODIAN COM 353496300 12 5,578 SH SOLE 1 5,578
FRANKLIN TAX FREE T COM 354723702 146 14,095 SH DEFINED 14,095
FRANKLIN TAX FREE T COM 354723702 176 16,985 SH SOLE 1 16,985
GENERAL ELECTRIC CO COM 369604103 8,902 169,958 SH DEFINED 1 22,750 106,548 40,660
GENERAL ELECTRIC CO COM 369604103 1,933 36,900 SH DEFINED 2 28,500 8,400
GENERAL ELECTRIC CO COM 369604103 166 3,171 SH DEFINED 2,400 771
GENERAL ELECTRIC CO COM 369604103 31 600 SH DEFINED 600
GENERAL ELECTRIC CO COM 369604103 20,378 389,071 SH SOLE 1 367,919 21,152
GENERAL ELECTRIC CO COM 369604103 8,648 165,110 SH SOLE 2 165,110
GENERAL ELECTRIC CO COM 369604103 6,173 117,861 SH SOLE 115,461 2,400
GENERAL ELECTRIC CO COM 369604103 331 6,318 SH SOLE 6,318
GENERAL MILLS, INC. COM 370334104 1,984 51,866 SH DEFINED 1 24,482 27,384
GENERAL MILLS, INC. COM 370334104 6,002 156,911 SH SOLE 1 156,911
GENERAL MOTORS CORP COM 370442105 104 1,796 SH DEFINED 1 398 800 598
GENERAL MOTORS CORP COM 370442105 177 3,057 SH SOLE 1 3,057
GENERAL MOTORS CORP COM 370442105 232 4,002 SH SOLE 4,002
GENRAD, INCORPORATE COM 372447102 162 18,000 SH SOLE 1 18,000
GENUINE PARTS COMPA COM 372460105 88 4,386 SH DEFINED 1 1,686 2,700
GENUINE PARTS COMPA COM 372460105 931 46,534 SH SOLE 1 46,534
GEORGIA PACIFIC COR COM 373298108 37 1,404 SH DEFINED 1,404
GEORGIA PACIFIC COR COM 373298108 393 14,964 SH SOLE 14,824 140
GILLETTE CO COM 375766102 672 19,225 SH DEFINED 1 7,200 8,825 3,200
GILLETTE CO COM 375766102 112 3,200 SH DEFINED 2 3,200
GILLETTE CO COM 375766102 269 7,687 SH SOLE 1 6,344 1,343
GILLETTE CO COM 375766102 215 6,140 SH SOLE 2 6,140
GPU INCORPORATED COM 36225X100 295 10,900 SH DEFINED 2 10,900
GPU INCORPORATED COM 36225X100 208 7,700 SH SOLE 1 7,700
GPU INCORPORATED COM 36225X100 143 5,300 SH SOLE 2 5,300
GTE CORPORATION COM 362320103 485 7,788 SH DEFINED 1 2,917 2,831 2,040
GTE CORPORATION COM 362320103 37 600 SH DEFINED 2 400 200
GTE CORPORATION COM 362320103 8,164 131,141 SH SOLE 1 129,863 325 953
GTE CORPORATION COM 362320103 280 4,500 SH SOLE 2 4,500
H J HEINZ COMPANY COM 423074103 293 6,700 SH DEFINED 1 3,000 3,700
H J HEINZ COMPANY COM 423074103 74 1,692 SH SOLE 1 1,692
H J HEINZ COMPANY COM 423074103 324 7,400 SH SOLE 2 7,400
HALLIBURTON COMPANY COM 406216101 320 6,776 SH SOLE 1 6,776
HCA-THE HEALTHCARE COM 404119109 958 31,085 SH SOLE 1 31,085
HCC INS HLDGS INC COM 404132102 840 44,500 SH SOLE 44,500
HEWLETT PACKARD CO COM 428236103 227 1,819 SH DEFINED 1 697 932 190
HEWLETT PACKARD CO COM 428236103 112 900 SH DEFINED 2 900
HEWLETT PACKARD CO COM 428236103 23 187 SH DEFINED 187
HEWLETT PACKARD CO COM 428236103 6,996 56,024 SH SOLE 1 55,544 480
HEWLETT PACKARD CO COM 428236103 599 4,800 SH SOLE 2 4,800
HEWLETT PACKARD CO COM 428236103 1,532 12,271 SH SOLE 12,271
HOME DEPOT INCORPOR COM 437076102 481 9,631 SH DEFINED 1 3,620 4,280 1,731
HOME DEPOT INCORPOR COM 437076102 576 11,540 SH DEFINED 2 11,150 390
HOME DEPOT INCORPOR COM 437076102 50 1,011 SH DEFINED 1,011
HOME DEPOT INCORPOR COM 437076102 6,700 134,172 SH SOLE 1 132,022 2,150
HOME DEPOT INCORPOR COM 437076102 360 7,200 SH SOLE 2 7,200
HOME DEPOT INCORPOR COM 437076102 1,041 20,851 SH SOLE 20,851
HONEYWELL INTERNATI COM 438516106 23 692 SH DEFINED 1 552 140
HONEYWELL INTERNATI COM 438516106 2,243 66,592 SH SOLE 1 65,722 870
ILLINOIS TOOL WORKS COM 452308109 14 240 SH DEFINED 240
ILLINOIS TOOL WORKS COM 452308109 2,212 38,815 SH SOLE 1 38,525 290
ILLINOIS TOOL WORKS COM 452308109 344 6,032 SH SOLE 6,032
IMPERIAL SUGAR CO. COM 453096109 13 10,000 SH DEFINED 1 10,000
INTEL CORPORATION COM 458140100 1,539 11,513 SH DEFINED 1 992 9,758 763
INTEL CORPORATION COM 458140100 1,430 10,700 SH DEFINED 2 10,700
INTEL CORPORATION COM 458140100 160 1,200 SH DEFINED 1,200
INTEL CORPORATION COM 458140100 13,684 102,356 SH SOLE 1 96,012 6,344
INTEL CORPORATION COM 458140100 3,763 28,150 SH SOLE 2 27,050 1,100
INTEL CORPORATION COM 458140100 2,189 16,375 SH SOLE 16,375
INTERNATIONAL BUSIN COM 459200101 713 6,506 SH DEFINED 1 1,200 695 4,611
INTERNATIONAL BUSIN COM 459200101 185 1,693 SH DEFINED 2 1,693
INTERNATIONAL BUSIN COM 459200101 3 24 SH DEFINED 24
INTERNATIONAL BUSIN COM 459200101 34 310 SH DEFINED 310
INTERNATIONAL BUSIN COM 459200101 5,365 48,969 SH SOLE 1 46,539 2,430
INTERNATIONAL BUSIN COM 459200101 176 1,604 SH SOLE 2 1,604
INTERNATIONAL BUSIN COM 459200101 463 4,224 SH SOLE 3,332 892
INTERNATIONAL BUSIN COM 459200101 378 3,453 SH SOLE 2,821 632
INTERNATIONAL PAPER COM 460146103 251 8,426 SH DEFINED 1 7,426 1,000
INTERNATIONAL PAPER COM 460146103 63 2,100 SH SOLE 1 2,100
INTUIT INC COM 461202103 745 18,000 SH DEFINED 1 18,000
J. P. MORGAN & CO., COM 616880100 165 1,500 SH DEFINED 1 1,500
J. P. MORGAN & CO., COM 616880100 264 2,400 SH SOLE 1 2,400
JANUS FLEXIBLE INCO COM 471023606 108 11,966 SH DEFINED 1 6,084 5,881
JDS UNIPHASE CORPOR COM 46612J101 480 4,000 SH SOLE 1 4,000
JEFFERSON-PILOT COR COM 475070108 332 5,881 SH SOLE 5,881
JOHNSON & JOHNSON COM 478160104 4,894 48,042 SH DEFINED 1 1,600 45,742 700
JOHNSON & JOHNSON COM 478160104 20 200 SH DEFINED 2 200
JOHNSON & JOHNSON COM 478160104 24 240 SH DEFINED 240
JOHNSON & JOHNSON COM 478160104 8,297 81,443 SH SOLE 1 81,443
JOHNSON & JOHNSON COM 478160104 262 2,575 SH SOLE 2 2,575
JOHNSON & JOHNSON COM 478160104 909 8,920 SH SOLE 8,920
KANSAS CITY SOUTHER COM 485170104 213 2,400 SH SOLE 2,400
KELLOGG COMPANY COM 487836108 936 31,465 SH SOLE 1 31,465
KEMPER INSURED CORP COM 487903239 23 94,636 SH SOLE 1 94,636
KEMPER INSURED CORP COM 487903312 14 20,262 SH SOLE 1 20,262
KIMBERLY CLARK CORP COM 494368103 26 460 SH DEFINED 1 190 270
KIMBERLY CLARK CORP COM 494368103 70 1,224 SH DEFINED 2 200 400 624
KIMBERLY CLARK CORP COM 494368103 14 240 SH DEFINED 240
KIMBERLY CLARK CORP COM 494368103 4,455 77,645 SH SOLE 1 77,245 400
KIMBERLY CLARK CORP COM 494368103 224 3,900 SH SOLE 2 3,900
KIMBERLY CLARK CORP COM 494368103 189 3,295 SH SOLE 3,295
KOHLS CORPORATION COM 500255104 467 8,400 SH DEFINED 2 8,400
LEHMAN BROTHERS HOL COM 524908100 19 200 SH DEFINED 1 200
LEHMAN BROTHERS HOL COM 524908100 214 2,260 SH SOLE 1 2,260
LEXMARK INTERNATION COM 529771107 269 4,000 SH DEFINED 2 4,000
LIBERTY-STEIN ROE I COM 53127P101 124 13,524 SH DEFINED 1 13,524
LILLY, ELI & CO COM 532457108 40 400 SH DEFINED 2 400
LILLY, ELI & CO COM 532457108 200 2,000 SH SOLE 2 900 1,100
LILLY, ELI & CO COM 532457108 829 8,300 SH SOLE 8,300
LOUISIANA PACIFIC C COM 546347105 10 900 SH DEFINED 900
LOUISIANA PACIFIC C COM 546347105 177 16,278 SH SOLE 16,278
LOWES COMPANIES INC COM 548661107 3,173 77,038 SH SOLE 1 76,068 970
LUCENT TECHNOLOGIES COM 549463107 1,322 22,498 SH DEFINED 1 11,500 8,378 2,620
LUCENT TECHNOLOGIES COM 549463107 309 5,260 SH DEFINED 2 4,700 560
LUCENT TECHNOLOGIES COM 549463107 84 1,430 SH DEFINED 1,164 266
LUCENT TECHNOLOGIES COM 549463107 1,836 31,244 SH SOLE 1 30,744 500
LUCENT TECHNOLOGIES COM 549463107 673 11,453 SH SOLE 2 11,453
LUCENT TECHNOLOGIES COM 549463107 800 13,619 SH SOLE 13,619
MARRIOTT INTERNATIO COM 571903202 43 1,200 SH DEFINED 1 1,200
MARRIOTT INTERNATIO COM 571903202 30 825 SH DEFINED 2 400 425
MARRIOTT INTERNATIO COM 571903202 3,337 92,525 SH SOLE 1 92,525
MARRIOTT INTERNATIO COM 571903202 224 6,200 SH SOLE 2 6,200
MCDONALDS CORP COM 580135101 329 10,000 SH DEFINED 1 10,000
MCDONALDS CORP COM 580135101 390 11,855 SH SOLE 1 11,255 600
MCDONALDS CORP COM 580135101 231 7,000 SH SOLE 2 7,000
MCGRAW HILL COMPANI COM 580645109 920 17,035 SH SOLE 1 15,405 1,630
MEDIAONE GROUP INCO COM 58440J104 160 2,400 SH DEFINED 1 2,400
MEDIAONE GROUP INCO COM 58440J104 128 1,928 SH SOLE 1 1,928
MEDTRONIC INC COM 585055106 71 1,425 SH DEFINED 1 1,100 325
MEDTRONIC INC COM 585055106 10 200 SH DEFINED 2 200
MEDTRONIC INC COM 585055106 33 664 SH DEFINED 664
MEDTRONIC INC COM 585055106 5,460 109,610 SH SOLE 1 108,340 1,270
MEDTRONIC INC COM 585055106 417 8,380 SH SOLE 2 8,380
MEDTRONIC INC COM 585055106 518 10,390 SH SOLE 10,390
MERCK & CO., INC COM 589331107 3,211 41,909 SH DEFINED 1 9,880 12,044 19,985
MERCK & CO., INC COM 589331107 487 6,350 SH DEFINED 2 5,600 750
MERCK & CO., INC COM 589331107 8 100 SH DEFINED 100
MERCK & CO., INC COM 589331107 9,630 125,676 SH SOLE 1 123,136 2,540
MERCK & CO., INC COM 589331107 3,237 42,251 SH SOLE 2 42,251
MERCK & CO., INC COM 589331107 1,714 22,375 SH SOLE 22,375
MERCK & CO., INC COM 589331107 221 2,890 SH SOLE 1,947 943
MERRILL LYNCH AND C COM 590188108 28 240 SH DEFINED 240
MERRILL LYNCH AND C COM 590188108 214 1,860 SH SOLE 1,860
MFS GEORGIA MUNICIP 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 COM 552984304 129 15,909 SH SOLE 1 15,909
MICROSOFT CORPORATI COM 594918104 1,296 16,195 SH DEFINED 1 4,835 8,075 3,285
MICROSOFT CORPORATI COM 594918104 32 400 SH DEFINED 2 400
MICROSOFT CORPORATI COM 594918104 49 615 SH DEFINED 615
MICROSOFT CORPORATI COM 594918104 3,082 38,527 SH SOLE 1 33,527 5,000
MICROSOFT CORPORATI COM 594918104 1,258 15,730 SH SOLE 2 15,730
MICROSOFT CORPORATI COM 594918104 1,370 17,120 SH SOLE 17,120
MINNESOTA MINING & COM 604059105 232 2,800 SH DEFINED 1 2,000 800
MINNESOTA MINING & COM 604059105 734 8,878 SH SOLE 1 8,878
MINNESOTA MINING & COM 604059105 310 3,750 SH SOLE 3,750
MORGAN STANLEY DEAN COM 617446448 250 3,000 SH DEFINED 2 3,000
MORGAN STANLEY DEAN COM 617446448 1,052 12,641 SH SOLE 12,641
MOTOROLA, INC COM 620076109 31 1,019 SH DEFINED 1 854 165
MOTOROLA, INC COM 620076109 243 8,100 SH DEFINED 2 8,100
MOTOROLA, INC COM 620076109 20 651 SH DEFINED 651
MOTOROLA, INC COM 620076109 5,627 187,580 SH SOLE 1 186,530 1,050
MOTOROLA, INC COM 620076109 71 2,367 SH SOLE 2 2,367
MOTOROLA, INC COM 620076109 200 6,669 SH SOLE 6,669
NATIONAL DEPENDENT COM 629005109 0 282,992 SH SOLE 1 282,992
NOKIA CORP-SPONSORE COM 654902204 31 610 SH DEFINED 1 610
NOKIA CORP-SPONSORE COM 654902204 417 8,330 SH SOLE 1 8,330
NORFOLK SOUTHERN CO COM 655844108 107 7,200 SH DEFINED 1 4,200 3,000
NORFOLK SOUTHERN CO COM 655844108 4 270 SH DEFINED 270
NORFOLK SOUTHERN CO COM 655844108 286 19,250 SH SOLE 1 19,250
NORFOLK SOUTHERN CO COM 655844108 572 38,442 SH SOLE 38,442
NORTEL NETWORKS COR COM 656568102 30 440 SH DEFINED 1 310 130
NORTEL NETWORKS COR COM 656568102 413 6,000 SH DEFINED 2 6,000
NORTEL NETWORKS COR COM 656568102 508 7,369 SH SOLE 1 7,369
NORTEL NETWORKS COR COM 656568102 193 2,800 SH SOLE 2 2,800
NUVEEN FLAGSHIP MUL COM 67065P600 144 14,055 SH SOLE 1 14,055
NUVEEN PERFORMANCE COM 67062P108 240 20,019 SH SOLE 1 20,019
ORACLE CORPORATION COM 68389X105 1,435 17,065 SH DEFINED 1 12,285 4,286 494
ORACLE CORPORATION COM 68389X105 319 3,800 SH DEFINED 2 3,800
ORACLE CORPORATION COM 68389X105 53 627 SH DEFINED 627
ORACLE CORPORATION COM 68389X105 20,316 241,672 SH SOLE 1 236,342 5,330
ORACLE CORPORATION COM 68389X105 1,164 13,850 SH SOLE 2 13,850
ORACLE CORPORATION COM 68389X105 1,140 13,564 SH SOLE 13,564
ORACLE CORPORATION COM 68389X105 215 2,553 SH SOLE 1,277 1,276
PAB BANKSHARES, INC COM 69313P101 1 75 SH DEFINED 1 75
PAB BANKSHARES, INC COM 69313P101 1,119 107,842 SH SOLE 1 107,842
PAINE WEBBER GROUP COM 695629105 2,769 60,855 SH SOLE 1 60,855
PEPSICO, INC. COM 713448108 342 7,700 SH DEFINED 1 7,100 600
PEPSICO, INC. COM 713448108 24 540 SH DEFINED 540
PEPSICO, INC. COM 713448108 113 2,540 SH SOLE 1 2,540
PEPSICO, INC. COM 713448108 829 18,650 SH SOLE 18,650
PFIZER INC COM 717081103 1,119 23,319 SH DEFINED 1 15,400 4,061 3,858
PFIZER INC COM 717081103 49 1,011 SH DEFINED 1,011
PFIZER INC COM 717081103 6,527 135,976 SH SOLE 1 131,526 4,450
PFIZER INC COM 717081103 2,369 49,344 SH SOLE 2 49,344
PFIZER INC COM 717081103 3,064 63,840 SH SOLE 63,240 600
PHARMACIA CORPORATI COM 71713U102 201 3,881 SH SOLE 1 3,261 620
PHARMACIA CORPORATI COM 71713U102 465 9,000 SH SOLE 9,000
PHILIP MORRIS COMPA COM 718154107 135 5,100 SH DEFINED 1 300 4,800
PHILIP MORRIS COMPA COM 718154107 11 400 SH DEFINED 2 400
PHILIP MORRIS COMPA COM 718154107 473 17,800 SH SOLE 1 17,800
PHILIP MORRIS COMPA COM 718154107 1,098 41,330 SH SOLE 2 41,330
PIMCO FUNDS PACIFIC COM 693390551 165 16,977 SH SOLE 16,977
PPG INDUSTRIES, INC COM 693506107 177 4,000 SH DEFINED 1 4,000
PPG INDUSTRIES, INC COM 693506107 317 7,154 SH SOLE 1 7,154
PREFERRED LAND CORP COM 629994104 0 15,000 SH SOLE 1 15,000
PREPAID LEGAL SERVI COM 740065107 728 24,369 SH SOLE 1 24,369
PROCTOR & GAMBLE COM 742718109 29 500 SH DEFINED 1 500
PROCTOR & GAMBLE COM 742718109 26 450 SH DEFINED 2 450
PROCTOR & GAMBLE COM 742718109 5 85 SH DEFINED 85
PROCTOR & GAMBLE COM 742718109 2,717 47,459 SH SOLE 1 47,184 275
PROCTOR & GAMBLE COM 742718109 939 16,399 SH SOLE 2 16,399
PROCTOR & GAMBLE COM 742718109 283 4,946 SH SOLE 4,946
PROVIDIAN FINANCIAL COM 74406A102 54 601 SH DEFINED 1 601
PROVIDIAN FINANCIAL COM 74406A102 176 1,959 SH SOLE 1 1,959
PROVIDIAN FINANCIAL COM 74406A102 461 5,122 SH SOLE 5,122
PUTNAM TAX EXEMPT I COM 746870104 191 22,547 SH SOLE 1 22,547
REGIONS FINANCIAL C COM 758940100 307 15,455 SH SOLE 1 15,455
RELIANT ENERGY INC. COM 75952J108 1,720 57,320 SH SOLE 1 57,320
ROYAL DUTCH PETROLE COM 780257804 320 5,200 SH DEFINED 1 5,200
ROYAL DUTCH PETROLE COM 780257804 282 4,575 SH SOLE 1 4,575
ROYAL DUTCH PETROLE COM 780257804 201 3,267 SH SOLE 3,267
SARA LEE CORPORATIO COM 803111103 249 13,000 SH DEFINED 1 8,000 5,000
SARA LEE CORPORATIO COM 803111103 9 480 SH DEFINED 480
SARA LEE CORPORATIO COM 803111103 2,169 113,022 SH SOLE 1 112,272 750
SARA LEE CORPORATIO COM 803111103 248 12,930 SH SOLE 12,930
SBC COMMUNICATIONS, COM 78387G103 1,138 26,308 SH DEFINED 1 12,458 10,227 3,623
SBC COMMUNICATIONS, COM 78387G103 130 3,000 SH DEFINED 2 300 2,700
SBC COMMUNICATIONS, COM 78387G103 33 760 SH DEFINED 760
SBC COMMUNICATIONS, COM 78387G103 6,904 159,627 SH SOLE 1 155,168 4,459
SBC COMMUNICATIONS, COM 78387G103 515 11,904 SH SOLE 2 11,904
SBC COMMUNICATIONS, COM 78387G103 965 22,303 SH SOLE 22,303
SCHERING PLOUGH COR COM 806605101 2,161 42,800 SH DEFINED 1 2,200 40,600
SCHERING PLOUGH COR COM 806605101 5 104 SH DEFINED 104
SCHERING PLOUGH COR COM 806605101 1,027 20,333 SH SOLE 1 20,333
SCHERING PLOUGH COR COM 806605101 1,175 23,266 SH SOLE 2 23,266
SCHERING PLOUGH COR COM 806605101 1,757 34,800 SH SOLE 34,800
SCHLUMBERGER LTD COM 806857108 15 200 SH DEFINED 2 200
SCHLUMBERGER LTD COM 806857108 3,444 46,155 SH SOLE 1 46,155
SCHLUMBERGER LTD COM 806857108 444 5,950 SH SOLE 2 5,950
SCHLUMBERGER LTD COM 806857108 494 6,625 SH SOLE 6,625
SCHOLASTIC CORPORAT COM 807066105 248 4,051 SH SOLE 1 4,051
SEAGRAM LIMITED COM 811850106 325 5,600 SH SOLE 2 5,600
SELIGMAN INCOME FUN COM 816338107 187 13,837 SH SOLE 13,837
SELIGMAN MUNICIPAL COM 816346811 274 36,196 SH SOLE 36,196
SERVICEMASTER CO COM 81760N109 561 49,333 SH DEFINED 1 49,333
SERVICEMASTER CO COM 81760N109 4 356 SH SOLE 1 356
SMITHKLINE BEECHAM COM 832378301 248 3,800 SH DEFINED 2 3,800
SMITHKLINE BEECHAM COM 832378301 274 4,200 SH SOLE 2 4,200
SONOCO PRODUCTS COM COM 835495102 230 11,180 SH DEFINED 11,180
SOUTHEASTERN FACTOR COM 784991101 0 14,700 SH SOLE 1 14,700
SOUTHERN COMPANY COM 842587107 317 13,590 SH DEFINED 1 4,100 9,490
SOUTHERN COMPANY COM 842587107 1,740 74,632 SH SOLE 1 74,632
SOUTHTRUST CORPORAT COM 844730101 226 10,000 SH DEFINED 2 10,000
SOUTHTRUST CORPORAT COM 844730101 75 3,300 SH SOLE 2 3,300
SPRINT CORPORATION COM 852061506 238 4,000 SH DEFINED 1 4,000
SPRINT CORPORATION COM 852061506 572 9,618 SH SOLE 1 8,298 1,320
SPRINT, CORP COM 852061100 408 8,000 SH DEFINED 1 8,000
SPRINT, CORP COM 852061100 966 18,939 SH SOLE 1 14,839 4,100
SPRINT, CORP COM 852061100 204 4,000 SH SOLE 4,000
ST PAUL COMPANIES, COM 792860108 250 7,322 SH SOLE 1 7,322
STANDARD AND POORS COM 78462F103 1,453 10,000 SH DEFINED 2 10,000
STATE STREET CORPOR COM 857477103 5 47 SH DEFINED 47
STATE STREET CORPOR COM 857477103 247 2,330 SH SOLE 1 2,330
STATE STREET CORPOR COM 857477103 233 2,200 SH SOLE 2,200
STEELCASE INC. CLAS COM 858155401 225 12,857 SH SOLE 12,857
STRATEGIC TECHNOLOG COM 786991109 0 38,000 SH SOLE 1 38,000
SUMMIT BANK CORPORA COM 866013105 232 15,000 SH SOLE 1 15,000
SUN MICROSYSTEMS, I COM 866810104 62 684 SH DEFINED 1 386 298
SUN MICROSYSTEMS, I COM 866810104 414 4,550 SH DEFINED 2 4,150 400
SUN MICROSYSTEMS, I COM 866810104 1,501 16,509 SH SOLE 1 16,509
SUN MICROSYSTEMS, I COM 866810104 182 2,000 SH SOLE 2 2,000
SUN MICROSYSTEMS, I COM 866810104 2,983 32,800 SH SOLE 32,800
SUNTRUST BANKS INC COM 867914103 320 6,996 SH DEFINED 1 1,000 5,996
SUNTRUST BANKS INC COM 867914103 180 3,932 SH DEFINED 2 3,500 432
SUNTRUST BANKS INC COM 867914103 11,099 242,922 SH SOLE 1 242,922
SUNTRUST BANKS INC COM 867914103 201 4,400 SH SOLE 2 4,400
SYNOVUS FINANCIAL CORP. COM 87161C105 252,026 14,299,349 SH DEFINED 1 6,363 812,273 13,480,713
SYNOVUS FINANCIAL CORP. COM 87161C105 454 25,771 SH DEFINED 2 25,771
SYNOVUS FINANCIAL CORP. COM 87161C105 378,327 21,465,377 SH SOLE 1 20,497,054 37,150 913,173
SYNOVUS FINANCIAL CORP. COM 87161C105 7,892 447,746 SH SOLE 2 447,746
SYNOVUS FINANCIAL CORP. COM 87161C105 6,888 390,808 SH SOLE 390,808
SYNOVUS FINANCIAL CORP. COM 87161C105 1,236 70,124 SH DEFINED 70,124
T ROWE PRICE SPECTR COM 779906106 155 14,644 SH DEFINED 1 14,644
T ROWE PRICE SPECTR COM 779906106 102 9,607 SH SOLE 1 9,607
T. ROWE PRICE ASSOC COM 741477103 230 5,400 SH SOLE 5,400
TARGET CORP COM 87612E106 278 4,800 SH DEFINED 2 4,800
TARGET CORP COM 87612E106 4,195 72,331 SH SOLE 1 71,371 960
TARGET CORP COM 87612E106 174 3,000 SH SOLE 2 3,000
TARGET CORP COM 87612E106 355 6,125 SH SOLE 6,125
TECO ENERGY INC. COM 872375100 146 7,300 SH DEFINED 2 7,300
TECO ENERGY INC. COM 872375100 803 40,030 SH SOLE 2 40,030
TELLABS, INC. DELEW COM 879664100 55 800 SH DEFINED 1 800
TELLABS, INC. DELEW COM 879664100 285 4,160 SH SOLE 1 4,160
TELLABS, INC. DELEW COM 879664100 378 5,525 SH SOLE 5,525
TEXACO INC COM 881694103 75 1,400 SH DEFINED 1 200 1,200
TEXACO INC COM 881694103 32 600 SH DEFINED 600
TEXACO INC COM 881694103 244 4,582 SH SOLE 1 4,582
TEXACO INC COM 881694103 307 5,760 SH SOLE 5,760
TEXAS INSTRUMENTS I COM 882508104 30 431 SH DEFINED 1 431
TEXAS INSTRUMENTS I COM 882508104 467 6,800 SH DEFINED 2 6,800
TEXAS INSTRUMENTS I COM 882508104 9,160 133,354 SH SOLE 1 131,754 1,600
TEXAS INSTRUMENTS I COM 882508104 76 1,100 SH SOLE 2 1,100
TEXAS INSTRUMENTS I COM 882508104 491 7,150 SH SOLE 7,150
THE GOVERNMENT SECU COM 383743580 98 278,592 SH SOLE 278,592
TIME WARNER INC COM 887315109 228 3,000 SH DEFINED 1 3,000
TIME WARNER INC COM 887315109 33 435 SH SOLE 1 435
TOTAL SYSTEM SERVICES COM 891906109 4,498 283,312 SH DEFINED 1 1,500 274,577 7,235
TOTAL SYSTEM SERVICES COM 891906109 18,769 1,182,308 SH SOLE 1 1,142,757 39,551
TYCO INTERNATIONAL COM 902124106 540 11,405 SH SOLE 1 11,405
U S WEST INCORPORAT COM 91273H101 297 3,465 SH DEFINED 1 2,465 1,000
U S WEST INCORPORAT COM 91273H101 244 2,847 SH SOLE 1 2,847
U.S. GOVT SECURITIE COM 026300103 133 10,545 SH SOLE 10,545
UNITED PARCEL SERVI COM 911312106 900 15,252 SH SOLE 1 15,252
UNITED TECHNOLOGIES COM 913017109 15 250 SH DEFINED 1 100 150
UNITED TECHNOLOGIES COM 913017109 315 5,348 SH SOLE 1 5,348
UNITED TECHNOLOGIES COM 913017109 247 4,200 SH SOLE 4,200
UNITEDHEALTH GROUP COM 91324P102 3,247 37,871 SH SOLE 1 37,311 560
USAA TAX-EXEMPT FUN COM 903289106 144 11,346 SH SOLE 2 11,346
VAN KAMPEN MERRIT V COM 921132106 118 10,000 SH DEFINED 10,000
VANGUARD ADMIRAL FU COM 921932208 236 23,862 SH DEFINED 1 23,862
VANGUARD BOND INDEX COM 921937108 183 19,086 SH DEFINED 1 19,086
VANGUARD FIXED INCO COM 922031406 193 18,438 SH DEFINED 1 18,438
VANGUARD FIXED SECU COM 922031307 198 19,916 SH DEFINED 1 16,966 2,949
VANGUARD FIXED SECU COM 922031307 837 84,359 SH DEFINED 2 84,359
VANGUARD FIXED SECU COM 922031307 445 44,891 SH SOLE 1 44,891
VANGUARD FIXED SECU COM 922031307 2,821 284,375 SH SOLE 2 279,112 5,263
VANGUARD FIXED SECU COM 922031307 103 10,341 SH SOLE 10,341
VANGUARD MUNICIPAL COM 922907209 2,171 168,576 SH SOLE 1 163,472 5,103
VANGUARD MUNICIPAL COM 922907209 1,313 101,936 SH SOLE 101,936
VANGUARD MUNICIPAL COM 922907209 132 10,210 SH SOLE 10,210
VIACOM INC NON-VOTI COM 925524308 592 8,680 SH DEFINED 1 8,680
VIACOM INC NON-VOTI COM 925524308 41 598 SH SOLE 1 598
VLASSIC FOODS INTER COM 928559103 24 15,000 SH DEFINED 1 15,000
VODAFONE AIRTOUCH P COM 92857T107 107 2,560 SH DEFINED 1 2,560
VODAFONE AIRTOUCH P COM 92857T107 842 20,170 SH SOLE 1 20,170
WACHOVIA CORPORATIO COM 929771103 304 5,606 SH DEFINED 1 672 4,934
WACHOVIA CORPORATIO COM 929771103 228 4,200 SH DEFINED 2 4,200
WACHOVIA CORPORATIO COM 929771103 4,527 83,456 SH SOLE 1 83,456
WACHOVIA CORPORATIO COM 929771103 52 950 SH SOLE 2 950
WALGREEN COMPANY COM 931422109 294 9,144 SH SOLE 2 9,144
WAL-MART STORES, IN COM 931142103 887 15,546 SH DEFINED 1 6,000 8,296 1,250
WAL-MART STORES, IN COM 931142103 297 5,200 SH DEFINED 2 5,200
WAL-MART STORES, IN COM 931142103 5 90 SH DEFINED 90
WAL-MART STORES, IN COM 931142103 9 157 SH DEFINED 157
WAL-MART STORES, IN COM 931142103 2,433 42,635 SH SOLE 1 42,635
WAL-MART STORES, IN COM 931142103 3,105 54,412 SH SOLE 2 54,412
WAL-MART STORES, IN COM 931142103 713 12,500 SH SOLE 12,500
WAL-MART STORES, IN COM 931142103 1,969 34,506 SH SOLE 34,506
WALT DISNEY COMPANY COM 254687106 347 8,935 SH DEFINED 1 7,000 1,935
WALT DISNEY COMPANY COM 254687106 23 600 SH DEFINED 2 600
WALT DISNEY COMPANY COM 254687106 22 555 SH DEFINED 555
WALT DISNEY COMPANY COM 254687106 4,969 128,034 SH SOLE 1 128,034
WALT DISNEY COMPANY COM 254687106 1,458 37,560 SH SOLE 2 37,560
WALT DISNEY COMPANY COM 254687106 598 15,410 SH SOLE 15,410
WARBURG PINCUS GLOB COM 933907107 124 12,655 SH DEFINED 1 12,655
WELLS FARGO & COMPA COM 949746101 174 4,440 SH DEFINED 1 1,200 3,240
WELLS FARGO & COMPA COM 949746101 101 2,580 SH SOLE 1 2,580
WESTPOINT STEVENS I COM 961238102 269 24,217 SH SOLE 1 24,217
WEYERHAEUSER CO COM 962166104 100 2,326 SH DEFINED 1 330 325 1,671
WEYERHAEUSER CO COM 962166104 1,614 37,525 SH SOLE 1 37,525
WINN-DIXIE STORES, COM 974280109 458 31,996 SH DEFINED 2 31,996
WINN-DIXIE STORES, COM 974280109 485 33,890 SH SOLE 1 33,890
WINN-DIXIE STORES, COM 974280109 635 44,376 SH SOLE 2 44,376
WORLDCOM INC. GA NE COM 98157D106 504 10,992 SH DEFINED 1 950 10,042
WORLDCOM INC. GA NE COM 98157D106 1,016 22,158 SH SOLE 1 21,408 750
XEROX CORP COM 984121103 9 455 SH DEFINED 1 320 135
XEROX CORP COM 984121103 481 23,697 SH SOLE 1 23,067 630
</TABLE>
