UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 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 October 30, 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: 621
Form 13F Information Table Value Total: 2,053,340
(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 162 3,400 SH DEFINED 1 3,400
ABBOTT LABS COM 002824100 454 9,540 SH SOLE 1 9,540
ABBOTT LABS COM 002824100 710 14,930 SH SOLE 14,930
AEGON N V AEGON AME COM 007924103 221 5,952 SH SOLE 5,952
AFLAC, INCORPORATED COM 001055102 6,236 96,496 SH DEFINED 1 13,791 82,705
AFLAC, INCORPORATED COM 001055102 26,368 408,010 SH SOLE 1 406,565 1,445
AGILENT TECHNOLOGIE COM 00846U101 23 462 SH DEFINED 1 108 354
AGILENT TECHNOLOGIE COM 00846U101 3 70 SH DEFINED 70
AGILENT TECHNOLOGIE COM 00846U101 216 4,423 SH SOLE 1 4,240 183
AGILENT TECHNOLOGIE COM 00846U101 233 4,765 SH SOLE 4,765
AIR PRODUCTS & CHEM COM 009158106 1,313 36,480 SH SOLE 1 36,240 240
ALCOA INC COM 013817101 180 7,106 SH DEFINED 1 2,306 4,800
ALCOA INC COM 013817101 402 15,900 SH SOLE 1 15,900
ALLNETSERVICES COM COM 01976N107 3 10,000 SH SOLE 1 10,000
ALLSTATE CORPORATIO COM 020002101 364 10,476 SH SOLE 10,476
ALLTEL CORPORATION COM 020039103 357 6,836 SH SOLE 1 6,516 320
ALLTEL CORPORATION COM 020039103 289 5,546 SH SOLE 5,546
AMERICA ONLINE, INC COM 02364J104 101 1,875 SH DEFINED 1 1,710 125 40
AMERICA ONLINE, INC COM 02364J104 493 9,175 SH SOLE 1 7,175 2,000
AMERICAN BOND FUND COM 097873103 187 14,598 SH SOLE 14,598
AMERICAN ELECTRIC P COM 025537101 104 2,659 SH DEFINED 1 2,659
AMERICAN ELECTRIC P COM 025537101 188 4,800 SH SOLE 1 4,800
AMERICAN EXPRESS CO COM 025816109 641 10,550 SH DEFINED 1 3,800 2,100 4,650
AMERICAN EXPRESS CO COM 025816109 848 13,959 SH SOLE 1 13,959
AMERICAN HIGH-INCOM COM 026547109 328 25,332 SH SOLE 25,332
AMERICAN HOME PRODU COM 026609107 304 5,380 SH DEFINED 1 3,800 1,580
AMERICAN HOME PRODU COM 026609107 5,767 102,186 SH SOLE 1 101,456 730
AMERICAN HOME PRODU COM 026609107 316 5,600 SH SOLE 2 5,600
AMERICAN HOME PRODU COM 026609107 491 8,700 SH SOLE 8,700
AMERICAN INTERNATIO COM 026874107 12 129 SH DEFINED 129
AMERICAN INTERNATIO COM 026874107 302 3,159 SH SOLE 3,159
AMGEN INC COM 031162100 861 12,334 SH DEFINED 1 12,334
AMGEN INC COM 031162100 489 7,000 SH DEFINED 2 7,000
AMGEN INC COM 031162100 36 520 SH DEFINED 520
AMGEN INC COM 031162100 948 13,576 SH SOLE 1 13,576
AMGEN INC COM 031162100 447 6,400 SH SOLE 6,400
AMSOUTH BANCORPORAT COM 032165102 400 32,036 SH SOLE 1 32,036
ANHEUSER BUSCH COMP COM 035229103 339 8,000 SH DEFINED 1 8,000
ANHEUSER BUSCH COMP COM 035229103 51 1,200 SH DEFINED 2 1,200
ANHEUSER BUSCH COMP COM 035229103 245 5,800 SH SOLE 1 5,800
ANHEUSER BUSCH COMP COM 035229103 339 8,000 SH SOLE 2 8,000
APPLIED MATERIALS I COM 038222105 3,427 57,775 SH SOLE 1 57,775
ARCHER-DANIELS-MIDL COM 039483102 182 21,050 SH DEFINED 1 21,050
ARCHER-DANIELS-MIDL COM 039483102 14 1,600 SH SOLE 1 1,600
AT&T CORP COM 001957109 559 19,031 SH DEFINED 1 15,597 3,434
AT&T CORP COM 001957109 52 1,785 SH DEFINED 1,350 435
AT&T CORP COM 001957109 3,023 102,922 SH SOLE 1 102,922
AT&T CORP COM 001957109 514 17,511 SH SOLE 2 17,511
AT&T CORP COM 001957109 650 22,131 SH SOLE 22,131
AUTOMATIC DATA PROC COM 053015103 294 4,400 SH DEFINED 1 4,400
AUTOMATIC DATA PROC COM 053015103 455 6,800 SH DEFINED 2 6,300 500
AUTOMATIC DATA PROC COM 053015103 2,474 36,989 SH SOLE 1 36,989
AUTOMATIC DATA PROC COM 053015103 528 7,900 SH SOLE 2 7,900
BANCORPSOUTH, INC COM 059692103 5,336 371,172 SH SOLE 1 371,172
BANK OF AMERICA COR COM 060505104 483 9,221 SH DEFINED 1 168 5,236 3,817
BANK OF AMERICA COR COM 060505104 761 14,528 SH DEFINED 2 840 11,739 1,949
BANK OF AMERICA COR COM 060505104 4,815 91,938 SH SOLE 1 88,734 3,204
BANK OF AMERICA COR COM 060505104 1,143 21,814 SH SOLE 2 21,814
BANK OF AMERICA COR COM 060505104 2,895 55,278 SH SOLE 53,806 1,472
BANK ONE CORPORATIO COM 06423A103 43 1,132 SH DEFINED 1 1,132
BANK ONE CORPORATIO COM 06423A103 646 16,984 SH SOLE 1 16,764 220
BAXTER INTERNATIONA COM 071813109 104 1,300 SH DEFINED 1 500 800
BAXTER INTERNATIONA COM 071813109 139 1,739 SH SOLE 1 1,739
BB & T CORPORATION COM 054937107 107 3,552 SH DEFINED 1 3,552
BB & T CORPORATION COM 054937107 287 9,541 SH SOLE 1 8,061 1,480
BELLSOUTH CORPORATI COM 079860102 2,930 72,351 SH DEFINED 1 7,455 61,472 3,424
BELLSOUTH CORPORATI COM 079860102 336 8,300 SH DEFINED 2 7,400 900
BELLSOUTH CORPORATI COM 079860102 106 2,620 SH DEFINED 2,400 220
BELLSOUTH CORPORATI COM 079860102 7,177 177,220 SH SOLE 1 172,510 4,710
BELLSOUTH CORPORATI COM 079860102 2,821 69,654 SH SOLE 2 69,654
BELLSOUTH CORPORATI COM 079860102 900 22,222 SH SOLE 22,042 180
BERKSHIRE HATHAWAY, COM 084670108 1,288 20 SH SOLE 1 20
BESTFOODS INCORPORA COM 08658U101 58 800 SH DEFINED 1 800
BESTFOODS INCORPORA COM 08658U101 29 400 SH DEFINED 2 400
BESTFOODS INCORPORA COM 08658U101 5,454 74,973 SH SOLE 1 72,323 2,650
BESTFOODS INCORPORA COM 08658U101 582 8,000 SH SOLE 2 8,000
BESTFOODS INCORPORA COM 08658U101 491 6,750 SH SOLE 6,050 700
BOLLINGER INDUSTRIE COM 097676100 11 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 564 10,643 SH DEFINED 1 5,750 4,893
BP AMOCO PLC SPONSO COM 055622104 428 8,070 SH DEFINED 2 8,070
BP AMOCO PLC SPONSO COM 055622104 5 92 SH DEFINED 92
BP AMOCO PLC SPONSO COM 055622104 4,943 93,256 SH SOLE 1 91,008 2,248
BP AMOCO PLC SPONSO COM 055622104 343 6,470 SH SOLE 2 6,470
BP AMOCO PLC SPONSO COM 055622104 272 5,136 SH SOLE 5,038 98
BRISTOL-MYERS SQUIB COM 110122108 1,104 19,203 SH DEFINED 1 8,650 6,668 3,885
BRISTOL-MYERS SQUIB COM 110122108 5,859 101,903 SH SOLE 1 100,583 700 620
BRISTOL-MYERS SQUIB COM 110122108 1,774 30,847 SH SOLE 2 30,847
BRISTOL-MYERS SQUIB COM 110122108 1,922 33,427 SH SOLE 33,427
BUILDING MATERIALS COM 120113105 89 10,000 SH DEFINED 1 10,000
BUTLER FIFTH GENERA COM 056010309 16,573 225,631 SH SOLE 1 225,631
CENTURY SOUTH BANKS COM 156683104 215 11,689 SH SOLE 1 11,689
CHASE MANHATTAN COR COM 16161A108 218 4,717 SH SOLE 1 4,717
CHEVRON CORPORATION COM 166751107 313 3,670 SH DEFINED 1 2,622 1,048
CHEVRON CORPORATION COM 166751107 443 5,200 SH DEFINED 2 5,200
CHEVRON CORPORATION COM 166751107 3,605 42,289 SH SOLE 1 41,994 295
CHEVRON CORPORATION COM 166751107 1,350 15,832 SH SOLE 2 15,832
CHUBB CORPORATION COM 171232101 6,603 83,444 SH DEFINED 1 1,744 81,700
CHUBB CORPORATION COM 171232101 356 4,500 SH DEFINED 2 4,500
CHUBB CORPORATION COM 171232101 3,474 43,909 SH SOLE 1 43,749 160
CHUBB CORPORATION COM 171232101 28 350 SH SOLE 2 350
CISCO SYSTEMS COM 17275R102 410 7,428 SH DEFINED 1 648 6,780
CISCO SYSTEMS COM 17275R102 431 7,800 SH DEFINED 2 6,400 1,400
CISCO SYSTEMS COM 17275R102 9 158 SH DEFINED 158
CISCO SYSTEMS COM 17275R102 3,775 68,323 SH SOLE 1 66,323 2,000
CISCO SYSTEMS COM 17275R102 518 9,375 SH SOLE 2 9,375
CISCO SYSTEMS COM 17275R102 2,381 43,104 SH SOLE 43,104
CITIGROUP INCORPORA COM 172967101 1,510 27,923 SH DEFINED 1 11,299 16,623
CITIGROUP INCORPORA COM 172967101 32 596 SH DEFINED 596
CITIGROUP INCORPORA COM 172967101 53 973 SH DEFINED 973
CITIGROUP INCORPORA COM 172967101 1,112 20,563 SH SOLE 1 19,563 999
CITIGROUP INCORPORA COM 172967101 1,059 19,590 SH SOLE 19,590
CITIGROUP INCORPORA COM 172967101 284 5,249 SH SOLE 3,095 2,153
CLOROX COMPANY COM 189054109 24 596 SH DEFINED 1 596
CLOROX COMPANY COM 189054109 269 6,800 SH SOLE 1 6,800
COASTAL CORPORATION COM 190441105 3,137 42,322 SH SOLE 1 42,322
COCA COLA COMPANY COM 191216100 26,088 473,257 SH DEFINED 1 46,213 416,723 10,321
COCA COLA COMPANY COM 191216100 4,686 85,000 SH DEFINED 2 85,000
COCA COLA COMPANY COM 191216100 19 342 SH DEFINED 342
COCA COLA COMPANY COM 191216100 450,288 8,168,488 SH SOLE 1 8,112,915 55,573
COCA COLA COMPANY COM 191216100 117,462 2,130,822 SH SOLE 2 2,029,862 100,960
COCA COLA COMPANY COM 191216100 1,319 23,930 SH SOLE 23,930
COLGATE-PALMOLIVE C COM 194162103 255 5,400 SH DEFINED 2 5,400
COLGATE-PALMOLIVE C COM 194162103 2,288 48,483 SH SOLE 1 48,483
COLGATE-PALMOLIVE C COM 194162103 146 3,100 SH SOLE 2 3,100
COLGATE-PALMOLIVE C COM 194162103 444 9,400 SH SOLE 9,400
COMPAQ COMPUTER COR COM 204493100 167 6,060 SH DEFINED 1 4,000 2,060
COMPAQ COMPUTER COR COM 204493100 4,476 162,659 SH SOLE 1 160,976 1,683
CONAGRA, INC. COM 205887102 1,926 96,005 SH SOLE 1 96,005
CONOCO CLASS B COM 208251405 714 26,500 SH SOLE 1 26,500
CONOCO INCORPORATED COM 208251306 261 10,000 SH DEFINED 1 10,000
CORNING INCORPORATE COM 219350105 683 2,300 SH DEFINED 2 2,300
CORNING INCORPORATE COM 219350105 416 1,400 SH SOLE 1 1,400
CORNING INCORPORATE COM 219350105 720 2,425 SH SOLE 2,425
CORPAS INVESTMENTS, COM 21986N103 20 13,333 SH SOLE 1 13,333
COUSINS PROPERTIES COM 222795106 86 2,000 SH DEFINED 1 2,000
COUSINS PROPERTIES COM 222795106 226 5,250 SH SOLE 1 5,250
CP&L ENERGY, INC. COM 12614C106 58 1,400 SH DEFINED 1 1,400
CP&L ENERGY, INC. COM 12614C106 229 5,500 SH SOLE 1 5,500
CUSTOM CAR CARE CO COM 126990100 0 20,000 SH SOLE 1 20,000
DARDEN RESTAURANTS COM 237194105 260 12,500 SH DEFINED 1 8,000 4,500
DARDEN RESTAURANTS COM 237194105 970 46,582 SH SOLE 1 46,582
DELL COMPUTER CORPO COM 247025109 99 3,200 SH DEFINED 1 3,200
DELL COMPUTER CORPO COM 247025109 1,117 36,250 SH SOLE 1 35,150 1,100
DEVELOPERS-INVESTOR COM 232990AA9 456 450,000 SH SOLE 1
DUKE ENERGY CORPORA COM 264399106 665 7,750 SH DEFINED 1 2,000 5,750
DUKE ENERGY CORPORA COM 264399106 34 400 SH DEFINED 2 400
DUKE ENERGY CORPORA COM 264399106 17 200 SH DEFINED 200
DUKE ENERGY CORPORA COM 264399106 171 1,993 SH SOLE 1 1,993
DUKE ENERGY CORPORA COM 264399106 352 4,100 SH SOLE 2 4,100
DUKE ENERGY CORPORA COM 264399106 628 7,320 SH SOLE 7,320
DUN AND BRADSTREET COM 26483B106 138 4,000 SH DEFINED 1 4,000
DUN AND BRADSTREET COM 26483B106 83 2,411 SH SOLE 1 2,411
DUN AND BRADSTREET COM 26483B106 349 10,125 SH SOLE 10,125
E. I. DUPONT DE NEM COM 263534109 491 12,005 SH DEFINED 1 6,100 5,505 400
E. I. DUPONT DE NEM COM 263534109 21 525 SH DEFINED 525
E. I. DUPONT DE NEM COM 263534109 1,463 35,800 SH SOLE 1 35,535 265
E. I. DUPONT DE NEM COM 263534109 2,037 49,839 SH SOLE 49,839
EARTH SCIENCES, INC COM 270312200 3 10,000 SH SOLE 1 10,000
EASTMAN KODAK CO. COM 277461109 205 5,020 SH DEFINED 1 4,000 300 720
EASTMAN KODAK CO. COM 277461109 158 3,877 SH SOLE 1 3,213 664
EATON VANCE MARATHO COM 27826L843 97 10,195 SH SOLE 1 10,195
ECHELON CORPORATION COM 27874N105 217 7,400 SH SOLE 1 7,400
EDISON INTERNATIONA COM 281020107 276 14,285 SH SOLE 2 14,285
EL PASO ENERGY CORP COM 283905107 306 4,960 SH SOLE 4,960
ELECTRONIC DATA SYS COM 285661104 75 1,800 SH DEFINED 1 1,800
ELECTRONIC DATA SYS COM 285661104 17 400 SH DEFINED 2 400
ELECTRONIC DATA SYS COM 285661104 8 200 SH DEFINED 200
ELECTRONIC DATA SYS COM 285661104 3,323 80,082 SH SOLE 1 76,857 3,225
ELECTRONIC DATA SYS COM 285661104 273 6,586 SH SOLE 2 6,586
ELECTRONIC DATA SYS COM 285661104 219 5,276 SH SOLE 5,276
EMC CORP COM 268648102 19 190 SH DEFINED 1 190
EMC CORP COM 268648102 866 8,700 SH DEFINED 2 8,200 500
EMC CORP COM 268648102 492 4,948 SH SOLE 1 4,948
EMC CORP COM 268648102 1,194 12,000 SH SOLE 2 12,000
EMERSON ELECTRIC CO COM 291011104 212 3,160 SH DEFINED 1 3,000 160
EMERSON ELECTRIC CO COM 291011104 20 300 SH DEFINED 2 300
EMERSON ELECTRIC CO COM 291011104 4,273 63,781 SH SOLE 1 63,521 260
EMERSON ELECTRIC CO COM 291011104 235 3,500 SH SOLE 2 3,500
ENRON CORPORATION COM 293561106 4,573 52,179 SH SOLE 51,379 800
EQUIFAX, INCORPORAT COM 294429105 276 10,239 SH DEFINED 1 6,239 4,000
EQUIFAX, INCORPORAT COM 294429105 113 4,200 SH SOLE 1 4,200
EVERGREEN GEORGIA M COM 300237625 178 18,363 SH SOLE 1 18,363
EXXON CORPORATION COM 302290101 201 2,536 SH SOLE 1 2,536
EXXON MOBIL CORPORA COM 30231G102 3,475 39,001 SH DEFINED 1 3,095 30,914 4,992
EXXON MOBIL CORPORA COM 30231G102 545 6,112 SH DEFINED 2 5,056 1,056
EXXON MOBIL CORPORA COM 30231G102 25 277 SH DEFINED 277
EXXON MOBIL CORPORA COM 30231G102 159 1,781 SH DEFINED 1,781
EXXON MOBIL CORPORA COM 30231G102 14,749 165,525 SH SOLE 1 163,636 1,889
EXXON MOBIL CORPORA COM 30231G102 5,069 56,890 SH SOLE 2 56,890
EXXON MOBIL CORPORA COM 30231G102 7,392 82,961 SH SOLE 82,561 400
EXXON MOBIL CORPORA COM 30231G102 248 2,778 SH SOLE 2,778
FANNIE MAE COM 313586109 136 1,900 SH DEFINED 1 1,500 400
FANNIE MAE COM 313586109 368 5,150 SH DEFINED 2 4,300 850
FANNIE MAE COM 313586109 10 141 SH DEFINED 141
FANNIE MAE COM 313586109 5,964 83,413 SH SOLE 1 83,163 250
FANNIE MAE COM 313586109 122 1,700 SH SOLE 2 1,700
FANNIE MAE COM 313586109 495 6,925 SH SOLE 6,925
FEDERATED FUND #09 COM 31428M100 170 16,419 SH DEFINED 1 1,007 15,412
FEDERATED FUND #09 COM 31428M100 151 14,578 SH SOLE 1 14,578
FEDERATED FUND #47 COM 31428P103 325 30,887 SH SOLE 1 30,887
FEDERATED HIGH YIEL COM 314197104 55 7,446 SH DEFINED 1 5,597 1,849
FEDERATED HIGH YIEL COM 314197104 2,149 289,169 SH SOLE 1 275,674 13,495
FEDERATED INCOME TR COM 314199100 323 32,191 SH SOLE 32,191
FEDERATED SHORT TER COM 31420C209 305 35,587 SH SOLE 1 35,587
FIDELITY GOVERNMENT COM 316172105 152 15,824 SH SOLE 15,824
FIDELITY INCOME FUN COM 31617K204 115 10,894 SH DEFINED 1 10,894
FIDELITY INSTITUTIO COM 315809400 11 1,220 SH DEFINED 1 1,220
FIDELITY INSTITUTIO COM 315809400 333 36,532 SH SOLE 1 36,532
FIDELITY INTERMEDIA COM 31617K303 146 15,561 SH DEFINED 1 11,442 4,119
FIDELITY U.S. BOND COM 315911107 143 13,803 SH DEFINED 1 13,803
FIRST AUSTRALIA PRI COM 318653102 60 14,222 SH SOLE 2 14,222
FIRST SOUTHEASTERN COM 303999106 0 12,108 SH SOLE 1 12,108
FIRST TENNESSEE NAT COM 337162101 402 19,744 SH DEFINED 1 19,744
FIRST UNION CORPORA COM 337358105 831 25,808 SH DEFINED 1 5,000 20,808
FIRST UNION CORPORA COM 337358105 386 12,000 SH DEFINED 2 12,000
FIRST UNION CORPORA COM 337358105 840 26,108 SH SOLE 1 26,108
FLEETBOSTON FINANCI COM 339030108 67 1,730 SH DEFINED 1 900 830
FLEETBOSTON FINANCI COM 339030108 3,673 94,180 SH SOLE 1 94,180
FLOWERS INDUSTRIES, COM 343496105 1,215 60,734 SH SOLE 1 60,734
FORD MOTOR COMPANY COM 345370860 85 3,330 SH DEFINED 1 3,330
FORD MOTOR COMPANY COM 345370860 3 100 SH DEFINED 100
FORD MOTOR COMPANY COM 345370860 3,399 133,284 SH SOLE 1 132,183 1,101
FORD MOTOR COMPANY COM 345370860 268 10,517 SH SOLE 10,517
FPL GROUP, INC. COM 302571104 207 3,150 SH SOLE 3,150
FRANKLIN CUSTODIAN COM 353496300 56 24,000 SH SOLE 1 24,000
FRANKLIN TAX FREE T COM 354723702 147 14,095 SH DEFINED 14,095
FRANKLIN TAX FREE T COM 354723702 168 16,075 SH SOLE 1 16,075
GENERAL DYNAMICS CO COM 369550108 123 1,960 SH DEFINED 1 1,960
GENERAL DYNAMICS CO COM 369550108 107 1,708 SH SOLE 1 300 1,408
GENERAL ELECTRIC CO COM 369604103 9,785 169,254 SH DEFINED 1 22,870 106,548 39,836
GENERAL ELECTRIC CO COM 369604103 1,908 33,000 SH DEFINED 2 28,500 4,500
GENERAL ELECTRIC CO COM 369604103 183 3,171 SH DEFINED 2,400 771
GENERAL ELECTRIC CO COM 369604103 35 600 SH DEFINED 600
GENERAL ELECTRIC CO COM 369604103 22,284 385,457 SH SOLE 1 364,345 21,112
GENERAL ELECTRIC CO COM 369604103 9,687 167,565 SH SOLE 2 167,565
GENERAL ELECTRIC CO COM 369604103 6,989 120,896 SH SOLE 118,496 2,400
GENERAL ELECTRIC CO COM 369604103 365 6,318 SH SOLE 6,318
GENERAL MILLS, INC. COM 370334104 1,677 47,238 SH DEFINED 1 24,350 22,888
GENERAL MILLS, INC. COM 370334104 5,406 152,295 SH SOLE 1 152,295
GENERAL MOTORS CORP COM 370442105 117 1,796 SH DEFINED 1 398 800 598
GENERAL MOTORS CORP COM 370442105 195 3,007 SH SOLE 1 3,007
GENERAL MOTORS CORP COM 370442105 260 4,002 SH SOLE 4,002
GENRAD, INCORPORATE COM 372447102 198 18,000 SH SOLE 1 18,000
GENUINE PARTS COMPA COM 372460105 84 4,386 SH DEFINED 1 1,686 2,700
GENUINE PARTS COMPA COM 372460105 844 44,274 SH SOLE 1 44,274
GEORGIA PACIFIC COR COM 373298108 33 1,404 SH DEFINED 1,404
GEORGIA PACIFIC COR COM 373298108 352 14,964 SH SOLE 14,824 140
GEORGIA PACIFIC TIM COM 373298702 19 702 SH DEFINED 702
GEORGIA PACIFIC TIM COM 373298702 201 7,482 SH SOLE 7,412 70
GILLETTE CO COM 375766102 575 18,625 SH DEFINED 1 6,600 8,825 3,200
GILLETTE CO COM 375766102 137 4,433 SH SOLE 1 3,090 1,343
GPU INCORPORATED COM 36225X100 29 900 SH DEFINED 2 900
GPU INCORPORATED COM 36225X100 250 7,700 SH SOLE 1 7,700
GPU INCORPORATED COM 36225X100 172 5,300 SH SOLE 2 5,300
H J HEINZ COMPANY COM 423074103 248 6,700 SH DEFINED 1 3,000 3,700
H J HEINZ COMPANY COM 423074103 7 200 SH DEFINED 2 200
H J HEINZ COMPANY COM 423074103 52 1,392 SH SOLE 1 1,392
H J HEINZ COMPANY COM 423074103 274 7,400 SH SOLE 2 7,400
HALLIBURTON COMPANY COM 406216101 69 1,415 SH DEFINED 2 1,175 240
HALLIBURTON COMPANY COM 406216101 332 6,776 SH SOLE 1 6,776
HALLIBURTON COMPANY COM 406216101 241 4,920 SH SOLE 2 4,920
HCA-THE HEALTHCARE COM 404119109 1,154 31,085 SH SOLE 1 31,085
HEWLETT PACKARD CO COM 428236103 168 1,719 SH DEFINED 1 597 932 190
HEWLETT PACKARD CO COM 428236103 93 950 SH DEFINED 2 900 50
HEWLETT PACKARD CO COM 428236103 21 212 SH DEFINED 212
HEWLETT PACKARD CO COM 428236103 5,480 56,209 SH SOLE 1 55,729 480
HEWLETT PACKARD CO COM 428236103 605 6,200 SH SOLE 2 6,200
HEWLETT PACKARD CO COM 428236103 1,246 12,781 SH SOLE 12,781
HOME DEPOT INCORPOR COM 437076102 499 9,431 SH DEFINED 1 3,420 4,280 1,731
HOME DEPOT INCORPOR COM 437076102 619 11,690 SH DEFINED 2 11,150 540
HOME DEPOT INCORPOR COM 437076102 54 1,011 SH DEFINED 1,011
HOME DEPOT INCORPOR COM 437076102 7,175 135,537 SH SOLE 1 133,187 2,350
HOME DEPOT INCORPOR COM 437076102 566 10,700 SH SOLE 2 10,700
HOME DEPOT INCORPOR COM 437076102 1,442 27,246 SH SOLE 27,246
HONEYWELL INTERNATI COM 438516106 25 692 SH DEFINED 1 552 140
HONEYWELL INTERNATI COM 438516106 12 330 SH DEFINED 330
HONEYWELL INTERNATI COM 438516106 2,671 74,967 SH SOLE 1 73,797 1,170
HONEYWELL INTERNATI COM 438516106 256 7,175 SH SOLE 7,175
HOUSEHOLD INTERNATI COM 441815107 85 1,500 SH DEFINED 1 1,500
HOUSEHOLD INTERNATI COM 441815107 171 3,014 SH SOLE 1 3,014
ILLINOIS TOOL WORKS COM 452308109 291 5,200 SH DEFINED 2 5,200
ILLINOIS TOOL WORKS COM 452308109 15 265 SH DEFINED 265
ILLINOIS TOOL WORKS COM 452308109 2,169 38,815 SH SOLE 1 38,525 290
ILLINOIS TOOL WORKS COM 452308109 134 2,400 SH SOLE 2 2,400
ILLINOIS TOOL WORKS COM 452308109 367 6,572 SH SOLE 6,572
IMPERIAL SUGAR CO. COM 453096109 11 10,000 SH DEFINED 1 10,000
INTEL CORPORATION COM 458140100 949 22,826 SH DEFINED 1 1,784 19,516 1,526
INTEL CORPORATION COM 458140100 923 22,200 SH DEFINED 2 21,400 800
INTEL CORPORATION COM 458140100 100 2,400 SH DEFINED 2,400
INTEL CORPORATION COM 458140100 8,544 205,560 SH SOLE 1 192,872 12,688
INTEL CORPORATION COM 458140100 2,375 57,150 SH SOLE 2 54,950 2,200
INTEL CORPORATION COM 458140100 1,549 37,275 SH SOLE 37,275
INTERNATIONAL BUSIN COM 459200101 728 6,466 SH DEFINED 1 1,200 695 4,571
INTERNATIONAL BUSIN COM 459200101 529 4,693 SH DEFINED 2 4,693
INTERNATIONAL BUSIN COM 459200101 6 49 SH DEFINED 49
INTERNATIONAL BUSIN COM 459200101 35 310 SH DEFINED 310
INTERNATIONAL BUSIN COM 459200101 5,401 47,952 SH SOLE 1 45,522 2,430
INTERNATIONAL BUSIN COM 459200101 412 3,654 SH SOLE 2 3,654
INTERNATIONAL BUSIN COM 459200101 507 4,499 SH SOLE 3,607 892
INTERNATIONAL BUSIN COM 459200101 370 3,288 SH SOLE 2,656 632
INTERNATIONAL PAPER COM 460146103 242 8,426 SH DEFINED 1 7,426 1,000
INTERNATIONAL PAPER COM 460146103 60 2,100 SH SOLE 1 2,100
INTUIT INC COM 461202103 1,026 18,000 SH DEFINED 1 18,000
J. P. MORGAN & CO., COM 616880100 245 1,500 SH DEFINED 1 1,500
J. P. MORGAN & CO., COM 616880100 392 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 284 3,000 SH SOLE 1 3,000
JEFFERSON-PILOT COR COM 475070108 362 5,334 SH SOLE 5,334
JOHNSON & JOHNSON COM 478160104 4,513 48,042 SH DEFINED 1 1,600 45,742 700
JOHNSON & JOHNSON COM 478160104 19 200 SH DEFINED 2 200
JOHNSON & JOHNSON COM 478160104 23 240 SH DEFINED 240
JOHNSON & JOHNSON COM 478160104 8,345 88,833 SH SOLE 1 88,833
JOHNSON & JOHNSON COM 478160104 256 2,725 SH SOLE 2 2,725
JOHNSON & JOHNSON COM 478160104 1,033 11,000 SH SOLE 11,000
KELLOGG COMPANY COM 487836108 720 29,752 SH SOLE 1 29,752
KEMPER INSURED CORP COM 487903239 19 74,975 SH SOLE 1 74,975
KEMPER INSURED CORP COM 487903312 14 20,262 SH SOLE 1 20,262
KIMBERLY CLARK CORP COM 494368103 69 1,230 SH DEFINED 1 1,230
KIMBERLY CLARK CORP COM 494368103 68 1,224 SH DEFINED 2 200 400 624
KIMBERLY CLARK CORP COM 494368103 4,328 77,536 SH SOLE 1 77,136 400
KIMBERLY CLARK CORP COM 494368103 240 4,300 SH SOLE 2 4,300
LEHMAN BROTHERS HOL COM 524908100 30 200 SH DEFINED 1 200
LEHMAN BROTHERS HOL COM 524908100 337 2,265 SH SOLE 1 2,265
LEXMARK INTERNATION COM 529771107 199 5,300 SH DEFINED 2 5,000 300
LEXMARK INTERNATION COM 529771107 109 2,900 SH SOLE 2 2,900
LIBERTY-STEIN ROE I COM 53127P101 129 13,908 SH DEFINED 1 13,908
LILLY, ELI & CO COM 532457108 673 8,300 SH SOLE 8,300
LOUISIANA PACIFIC C COM 546347105 8 900 SH DEFINED 900
LOUISIANA PACIFIC C COM 546347105 150 16,278 SH SOLE 16,278
LOWES COMPANIES INC COM 548661107 238 5,300 SH DEFINED 1 5,300
LOWES COMPANIES INC COM 548661107 3,475 77,438 SH SOLE 1 76,243 1,195
LUCENT TECHNOLOGIES COM 549463107 711 23,314 SH DEFINED 1 11,500 9,194 2,620
LUCENT TECHNOLOGIES COM 549463107 194 6,360 SH DEFINED 2 5,700 100 560
LUCENT TECHNOLOGIES COM 549463107 46 1,505 SH DEFINED 1,164 341
LUCENT TECHNOLOGIES COM 549463107 1,093 35,844 SH SOLE 1 35,344 500
LUCENT TECHNOLOGIES COM 549463107 334 10,963 SH SOLE 2 10,963
LUCENT TECHNOLOGIES COM 549463107 468 15,335 SH SOLE 15,335
MANULIFE FINANCIAL COM 56501R106 3,258 157,001 SH SOLE 1 157,001
MARRIOTT INTERNATIO COM 571903202 44 1,200 SH DEFINED 1 1,200
MARRIOTT INTERNATIO COM 571903202 285 7,825 SH DEFINED 2 7,400 425
MARRIOTT INTERNATIO COM 571903202 3,379 92,725 SH SOLE 1 92,725
MARRIOTT INTERNATIO COM 571903202 248 6,800 SH SOLE 2 6,800
MCDONALDS CORP COM 580135101 296 9,800 SH DEFINED 1 9,800
MCDONALDS CORP COM 580135101 6 200 SH DEFINED 2 200
MCDONALDS CORP COM 580135101 238 7,885 SH SOLE 1 7,285 600
MCDONALDS CORP COM 580135101 211 7,000 SH SOLE 2 7,000
MCGRAW HILL COMPANI COM 580645109 1,045 16,445 SH SOLE 1 14,815 1,630
MEDTRONIC INC COM 585055106 74 1,425 SH DEFINED 1 1,100 325
MEDTRONIC INC COM 585055106 321 6,200 SH DEFINED 2 6,200
MEDTRONIC INC COM 585055106 34 664 SH DEFINED 664
MEDTRONIC INC COM 585055106 26 510 SH DEFINED 510
MEDTRONIC INC COM 585055106 5,717 110,340 SH SOLE 1 108,870 1,470
MEDTRONIC INC COM 585055106 451 8,700 SH SOLE 2 8,700
MEDTRONIC INC COM 585055106 584 11,275 SH SOLE 11,275
MEDTRONIC INC COM 585055106 181 3,500 SH SOLE 1,792 1,708
MERCHANTS BANCSHARE COM 588448100 218 10,000 SH DEFINED 2 10,000
MERCK & CO., INC COM 589331107 3,118 41,884 SH DEFINED 1 9,880 12,044 19,960
MERCK & CO., INC COM 589331107 480 6,450 SH DEFINED 2 5,600 850
MERCK & CO., INC COM 589331107 7 100 SH DEFINED 100
MERCK & CO., INC COM 589331107 10,031 134,759 SH SOLE 1 131,894 2,865
MERCK & CO., INC COM 589331107 3,151 42,331 SH SOLE 2 42,331
MERCK & CO., INC COM 589331107 1,928 25,895 SH SOLE 25,895
MERCK & CO., INC COM 589331107 222 2,984 SH SOLE 2,041 943
MERRILL LYNCH AND C COM 590188108 32 480 SH DEFINED 480
MERRILL LYNCH AND C COM 590188108 294 4,460 SH SOLE 4,460
MFS GEORGIA MUNICIP COM 55273N756 264 25,427 SH SOLE 1 25,427
MFS MUN SER TR COM 55273N863 205 17,513 SH SOLE 17,513
MFS MUNICIPAL HIGH COM 552984304 130 15,909 SH SOLE 1 15,909
MICROSOFT CORPORATI COM 594918104 525 8,698 SH DEFINED 1 5,193 220 3,285
MICROSOFT CORPORATI COM 594918104 33 550 SH DEFINED 2 550
MICROSOFT CORPORATI COM 594918104 37 615 SH DEFINED 615
MICROSOFT CORPORATI COM 594918104 3,582 59,384 SH SOLE 1 54,384 5,000
MICROSOFT CORPORATI COM 594918104 846 14,030 SH SOLE 2 14,030
MICROSOFT CORPORATI COM 594918104 1,344 22,285 SH SOLE 22,285
MINNESOTA MINING & COM 604059105 255 2,800 SH DEFINED 1 2,000 800
MINNESOTA MINING & COM 604059105 800 8,778 SH SOLE 1 8,778
MINNESOTA MINING & COM 604059105 316 3,470 SH SOLE 3,470
MORGAN STANLEY DEAN COM 617446448 274 3,000 SH DEFINED 2 3,000
MORGAN STANLEY DEAN COM 617446448 1,170 12,801 SH SOLE 12,801
MOTOROLA, INC COM 620076109 51 1,719 SH DEFINED 1 1,554 165
MOTOROLA, INC COM 620076109 239 8,100 SH DEFINED 2 8,100
MOTOROLA, INC COM 620076109 20 675 SH DEFINED 675
MOTOROLA, INC COM 620076109 15 516 SH DEFINED 516
MOTOROLA, INC COM 620076109 5,631 190,880 SH SOLE 1 189,830 1,050
MOTOROLA, INC COM 620076109 191 6,472 SH SOLE 2 6,472
MOTOROLA, INC COM 620076109 308 10,425 SH SOLE 10,425
MOTOROLA, INC COM 620076109 197 6,669 SH SOLE 6,669
NASDAQ 100 TRUST UN COM 631100104 528 5,940 SH DEFINED 1 5,940
NATIONAL DEPENDENT COM 629005109 0 282,992 SH SOLE 1 282,992
NOKIA CORP-SPONSORE COM 654902204 24 610 SH DEFINED 1 610
NOKIA CORP-SPONSORE COM 654902204 325 8,130 SH SOLE 1 8,130
NORFOLK SOUTHERN CO COM 655844108 105 7,200 SH DEFINED 1 4,200 3,000
NORFOLK SOUTHERN CO COM 655844108 282 19,250 SH SOLE 1 19,250
NORFOLK SOUTHERN CO COM 655844108 561 38,367 SH SOLE 38,367
NORTEL NETWORKS COR COM 656568102 26 440 SH DEFINED 1 310 130
NORTEL NETWORKS COR COM 656568102 357 6,000 SH DEFINED 2 6,000
NORTEL NETWORKS COR COM 656568102 484 8,134 SH SOLE 1 8,134
NORTEL NETWORKS COR COM 656568102 167 2,800 SH SOLE 2 2,800
NUVEEN FLAGSHIP MUL COM 67065P600 146 14,055 SH SOLE 1 14,055
NUVEEN PERFORMANCE COM 67062P108 245 20,019 SH SOLE 1 20,019
ORACLE CORPORATION COM 68389X105 1,344 17,065 SH DEFINED 1 12,285 4,286 494
ORACLE CORPORATION COM 68389X105 299 3,800 SH DEFINED 2 3,800
ORACLE CORPORATION COM 68389X105 49 627 SH DEFINED 627
ORACLE CORPORATION COM 68389X105 16,280 206,726 SH SOLE 1 201,396 5,330
ORACLE CORPORATION COM 68389X105 1,086 13,790 SH SOLE 2 13,790
ORACLE CORPORATION COM 68389X105 1,178 14,959 SH SOLE 14,959
ORACLE CORPORATION COM 68389X105 219 2,778 SH SOLE 1,502 1,276
PAB BANKSHARES, INC COM 69313P101 1 75 SH DEFINED 1 75
PAB BANKSHARES, INC COM 69313P101 1,104 105,142 SH SOLE 1 105,142
PAINE WEBBER GROUP COM 695629105 4,191 60,855 SH SOLE 1 60,855
PEPSICO, INC. COM 713448108 354 7,700 SH DEFINED 1 7,100 600
PEPSICO, INC. COM 713448108 19 420 SH DEFINED 420
PEPSICO, INC. COM 713448108 101 2,196 SH SOLE 1 2,196
PEPSICO, INC. COM 713448108 913 19,850 SH SOLE 19,850
PFIZER INC COM 717081103 1,066 23,741 SH DEFINED 1 15,542 4,516 3,683
PFIZER INC COM 717081103 36 800 SH DEFINED 2 800
PFIZER INC COM 717081103 45 1,011 SH DEFINED 1,011
PFIZER INC COM 717081103 6,004 133,656 SH SOLE 1 129,206 4,450
PFIZER INC COM 717081103 2,223 49,494 SH SOLE 2 49,494
PFIZER INC COM 717081103 3,179 70,780 SH SOLE 70,180 600
PHARMACIA CORPORATI COM 71713U102 48 800 SH DEFINED 1 800
PHARMACIA CORPORATI COM 71713U102 234 3,881 SH SOLE 1 3,261 620
PHARMACIA CORPORATI COM 71713U102 542 9,000 SH SOLE 9,000
PHILIP MORRIS COMPA COM 718154107 150 5,100 SH DEFINED 1 300 4,800
PHILIP MORRIS COMPA COM 718154107 12 400 SH DEFINED 2 400
PHILIP MORRIS COMPA COM 718154107 489 16,600 SH SOLE 1 16,600
PHILIP MORRIS COMPA COM 718154107 1,002 34,050 SH SOLE 2 34,050
PIMCO FUNDS LOW DUR COM 693390304 317 32,127 SH SOLE 1 32,127
PIMCO FUNDS PACIFIC COM 693390551 180 18,304 SH SOLE 18,304
PPG INDUSTRIES, INC COM 693506107 159 4,000 SH DEFINED 1 4,000
PPG INDUSTRIES, INC COM 693506107 262 6,600 SH SOLE 1 6,600
PREFERRED LAND CORP COM 629994104 0 15,000 SH SOLE 1 15,000
PREPAID LEGAL SERVI COM 740065107 787 24,369 SH SOLE 1 24,369
PROCTOR & GAMBLE COM 742718109 74 1,100 SH DEFINED 1 600 500
PROCTOR & GAMBLE COM 742718109 24 360 SH DEFINED 360
PROCTOR & GAMBLE COM 742718109 3,184 47,529 SH SOLE 1 47,254 275
PROCTOR & GAMBLE COM 742718109 1,085 16,199 SH SOLE 2 16,199
PROCTOR & GAMBLE COM 742718109 375 5,596 SH SOLE 5,596
PROVIDIAN FINANCIAL COM 74406A102 76 601 SH DEFINED 1 601
PROVIDIAN FINANCIAL COM 74406A102 242 1,909 SH SOLE 1 1,909
PROVIDIAN FINANCIAL COM 74406A102 650 5,122 SH SOLE 5,122
PRUDENTIAL MUNI BON COM 74435L202 110 10,746 SH SOLE 1 10,746
PUTNAM TAX EXEMPT I COM 746870104 192 22,547 SH SOLE 1 22,547
QUALCOMM CORP COM 747525103 4 60 SH DEFINED 1 60
QUALCOMM CORP COM 747525103 197 2,758 SH SOLE 1 2,358 400
QWEST COMMUNICATION COM 749121109 385 7,991 SH DEFINED 1 6,262 1,729
QWEST COMMUNICATION COM 749121109 271 5,621 SH SOLE 1 4,621 1,000
REGIONS FINANCIAL C COM 758940100 333 14,662 SH SOLE 1 14,662
RELIANT ENERGY INC. COM 75952J108 2,696 57,970 SH SOLE 1 57,970
ROYAL DUTCH PETROLE COM 780257804 312 5,200 SH DEFINED 1 5,200
ROYAL DUTCH PETROLE COM 780257804 274 4,575 SH SOLE 1 4,575
SARA LEE CORPORATIO COM 803111103 264 13,000 SH DEFINED 1 8,000 5,000
SARA LEE CORPORATIO COM 803111103 2,351 115,722 SH SOLE 1 114,972 750
SARA LEE CORPORATIO COM 803111103 247 12,140 SH SOLE 12,140
SBC COMMUNICATIONS, COM 78387G103 1,299 26,038 SH DEFINED 1 12,458 10,227 3,353
SBC COMMUNICATIONS, COM 78387G103 65 1,300 SH DEFINED 2 300 1,000
SBC COMMUNICATIONS, COM 78387G103 42 835 SH DEFINED 835
SBC COMMUNICATIONS, COM 78387G103 8,030 161,001 SH SOLE 1 156,542 4,459
SBC COMMUNICATIONS, COM 78387G103 606 12,156 SH SOLE 2 12,156
SBC COMMUNICATIONS, COM 78387G103 1,160 23,268 SH SOLE 23,268
SCHERING PLOUGH COR COM 806605101 1,979 42,500 SH DEFINED 1 1,900 40,600
SCHERING PLOUGH COR COM 806605101 910 19,533 SH SOLE 1 19,533
SCHERING PLOUGH COR COM 806605101 1,083 23,266 SH SOLE 2 23,266
SCHERING PLOUGH COR COM 806605101 1,620 34,800 SH SOLE 34,800
SCHLUMBERGER LTD COM 806857108 49 600 SH DEFINED 2 200 400
SCHLUMBERGER LTD COM 806857108 10 125 SH DEFINED 125
SCHLUMBERGER LTD COM 806857108 3,832 46,550 SH SOLE 1 46,550
SCHLUMBERGER LTD COM 806857108 716 8,700 SH SOLE 2 8,700
SCHLUMBERGER LTD COM 806857108 558 6,785 SH SOLE 6,785
SCHOLASTIC CORPORAT COM 807066105 322 4,051 SH SOLE 1 4,051
SEAGRAM LIMITED COM 811850106 322 5,600 SH SOLE 2 5,600
SELIGMAN INCOME FUN COM 816338107 186 13,837 SH SOLE 13,837
SELIGMAN MUNICIPAL COM 816346811 274 35,795 SH SOLE 35,795
SERVICEMASTER CO COM 81760N109 487 49,333 SH DEFINED 1 49,333
SERVICEMASTER CO COM 81760N109 4 356 SH SOLE 1 356
SMITHKLINE BEECHAM COM 832378301 261 3,800 SH DEFINED 2 3,800
SMITHKLINE BEECHAM COM 832378301 288 4,200 SH SOLE 2 4,200
SONOCO PRODUCTS COM COM 835495102 202 11,180 SH DEFINED 11,180
SOUTHEASTERN FACTOR COM 784991101 0 14,700 SH SOLE 1 14,700
SOUTHERN COMPANY COM 842587107 441 13,590 SH DEFINED 1 4,100 9,490
SOUTHERN COMPANY COM 842587107 3,584 110,442 SH SOLE 1 110,442
SOUTHERN COMPANY COM 842587107 288 8,862 SH SOLE 2 8,862
SOUTHERN COMPANY COM 842587107 208 6,400 SH SOLE 4,400 2,000
SOUTHTRUST CORPORAT COM 844730101 8 241 SH DEFINED 1 241
SOUTHTRUST CORPORAT COM 844730101 314 10,000 SH DEFINED 2 10,000
SOUTHTRUST CORPORAT COM 844730101 209 6,658 SH SOLE 1 6,658
SOUTHTRUST CORPORAT COM 844730101 148 4,700 SH SOLE 2 4,700
SPRINT CORPORATION COM 852061506 141 4,000 SH DEFINED 1 4,000
SPRINT CORPORATION COM 852061506 338 9,618 SH SOLE 1 8,298 1,320
SPRINT, CORP COM 852061100 235 8,000 SH DEFINED 1 8,000
SPRINT, CORP COM 852061100 1,701 58,034 SH SOLE 1 53,934 4,100
ST PAUL COMPANIES, COM 792860108 369 7,322 SH SOLE 1 7,322
STANDARD AND POORS COM 78462F103 1,436 10,000 SH DEFINED 2 10,000
STATE STREET CORPOR COM 857477103 6 47 SH DEFINED 47
STATE STREET CORPOR COM 857477103 303 2,330 SH SOLE 1 2,330
STATE STREET CORPOR COM 857477103 286 2,200 SH SOLE 2,200
STEELCASE INC. CLAS COM 858155401 219 12,857 SH SOLE 12,857
STILLWELL FINANCIAL COM 860831106 209 4,800 SH SOLE 4,800
STRATEGIC TECHNOLOG COM 786991109 0 38,000 SH SOLE 1 38,000
SUMMIT BANK CORPORA COM 866013105 251 15,000 SH SOLE 1 15,000
SUN MICROSYSTEMS, I COM 866810104 80 684 SH DEFINED 1 386 298
SUN MICROSYSTEMS, I COM 866810104 531 4,550 SH DEFINED 2 4,150 400
SUN MICROSYSTEMS, I COM 866810104 12 107 SH DEFINED 107
SUN MICROSYSTEMS, I COM 866810104 3,288 28,166 SH SOLE 1 28,166
SUN MICROSYSTEMS, I COM 866810104 274 2,350 SH SOLE 2 2,350
SUN MICROSYSTEMS, I COM 866810104 4,631 39,664 SH SOLE 39,664
SUN MICROSYSTEMS, I COM 866810104 224 1,919 SH SOLE 1,919
SUNTRUST BANKS INC COM 867914103 349 6,996 SH DEFINED 1 1,000 5,996
SUNTRUST BANKS INC COM 867914103 196 3,932 SH DEFINED 2 3,500 432
SUNTRUST BANKS INC COM 867914103 11,712 234,824 SH SOLE 1 234,824
SUNTRUST BANKS INC COM 867914103 219 4,400 SH SOLE 2 4,400
SYNOVUS FINANCIAL C COM 87161C105 303,459 14,322,212 SH DEFINED 1 34,028 807,773 13,480,411
SYNOVUS FINANCIAL C COM 87161C105 546 25,771 SH DEFINED 2 25,771
SYNOVUS FINANCIAL C COM 87161C105 449,473 21,213,587 SH SOLE 1 20,291,606 37,150 884,831
SYNOVUS FINANCIAL C COM 87161C105 9,558 451,121 SH SOLE 2 451,121
SYNOVUS FINANCIAL C COM 87161C105 8,087 381,658 SH SOLE 381,658
SYNOVUS FINANCIAL C COM 87161C105 1,486 70,124 SH DEFINED 12,812 57,312
SYSCO CORP COM 871829107 207 4,475 SH SOLE 1 4,475
T ROWE PRICE SPECTR COM 779906106 156 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 318 6,774 SH SOLE 6,774
TARGET CORP COM 87612E106 246 9,600 SH DEFINED 2 9,600
TARGET CORP COM 87612E106 11 425 SH DEFINED 425
TARGET CORP COM 87612E106 3,718 145,087 SH SOLE 1 143,167 1,920
TARGET CORP COM 87612E106 179 7,000 SH SOLE 2 7,000
TARGET CORP COM 87612E106 352 13,725 SH SOLE 13,725
TECO ENERGY INC. COM 872375100 210 7,300 SH DEFINED 2 7,300
TECO ENERGY INC. COM 872375100 707 24,570 SH SOLE 2 24,570
TELLABS, INC. DELEW COM 879664100 29 600 SH DEFINED 1 600
TELLABS, INC. DELEW COM 879664100 12 250 SH DEFINED 250
TELLABS, INC. DELEW COM 879664100 1,326 27,760 SH SOLE 1 27,760
TELLABS, INC. DELEW COM 879664100 287 6,000 SH SOLE 6,000
TEXACO INC COM 881694103 74 1,400 SH DEFINED 1 200 1,200
TEXACO INC COM 881694103 49 925 SH DEFINED 600 325
TEXACO INC COM 881694103 247 4,707 SH SOLE 1 4,707
TEXACO INC COM 881694103 316 6,010 SH SOLE 6,010
TEXAS INSTRUMENTS I COM 882508104 44 931 SH DEFINED 1 931
TEXAS INSTRUMENTS I COM 882508104 332 7,000 SH DEFINED 2 6,800 200
TEXAS INSTRUMENTS I COM 882508104 6,592 139,136 SH SOLE 1 137,536 1,600
TEXAS INSTRUMENTS I COM 882508104 171 3,600 SH SOLE 2 3,600
TEXAS INSTRUMENTS I COM 882508104 528 11,150 SH SOLE 11,150
THE GOVERNMENT SECU COM 383743580 98 278,592 SH SOLE 278,592
TIME WARNER INC COM 887315109 235 3,000 SH DEFINED 1 3,000
TIME WARNER INC COM 887315109 50 640 SH SOLE 1 640
TOTAL SYSTEM SERVIC COM 891906109 4,713 280,347 SH DEFINED 1 1,500 271,977 6,870
TOTAL SYSTEM SERVIC COM 891906109 21,085 1,254,116 SH SOLE 1 1,214,565 39,551
TYCO INTERNATIONAL COM 902124106 1,764 34,005 SH SOLE 1 34,005
TYCO INTERNATIONAL COM 902124106 208 4,000 SH SOLE 2 4,000
U.S. GOVT SECURITIE COM 026300103 135 10,545 SH SOLE 10,545
UNION PLANTERS CORP COM 908068109 13 400 SH DEFINED 1 400
UNION PLANTERS CORP COM 908068109 203 6,150 SH SOLE 1 6,150
UNITED PARCEL SERVI COM 911312106 647 11,472 SH SOLE 1 11,472
UNITED TECHNOLOGIES COM 913017109 17 250 SH DEFINED 1 100 150
UNITED TECHNOLOGIES COM 913017109 1,916 27,613 SH SOLE 1 27,613
UNITED TECHNOLOGIES COM 913017109 291 4,200 SH SOLE 4,200
UNITEDHEALTH GROUP COM 91324P102 3,740 37,871 SH SOLE 1 37,311 560
USAA TAX-EXEMPT FUN COM 903289106 146 11,346 SH SOLE 2 11,346
VAN KAMPEN MERRIT V COM 921132106 126 10,000 SH DEFINED 10,000
VANGUARD ADMIRAL FU COM 921932208 238 23,862 SH DEFINED 1 23,862
VANGUARD BOND INDEX COM 921937108 186 19,086 SH DEFINED 1 19,086
VANGUARD FIXED INCO COM 922031406 195 18,438 SH DEFINED 1 18,438
VANGUARD FIXED SECU COM 922031307 239 23,753 SH DEFINED 1 20,803 2,949
VANGUARD FIXED SECU COM 922031307 849 84,359 SH DEFINED 2 84,359
VANGUARD FIXED SECU COM 922031307 401 39,832 SH SOLE 1 39,832
VANGUARD FIXED SECU COM 922031307 3,193 317,428 SH SOLE 2 312,165 5,263
VANGUARD FIXED SECU COM 922031307 104 10,341 SH SOLE 10,341
VANGUARD MUNICIPAL COM 922907209 53 4,109 SH DEFINED 1 4,109
VANGUARD MUNICIPAL COM 922907209 2,451 188,688 SH SOLE 1 183,585 5,103
VANGUARD MUNICIPAL COM 922907209 1,765 135,885 SH SOLE 135,885
VANGUARD MUNICIPAL COM 922907209 177 13,654 SH SOLE 13,654
VERIZON COMMUNICATI COM 92343V104 968 19,979 SH DEFINED 1 11,089 7,308 1,582
VERIZON COMMUNICATI COM 92343V104 375 7,732 SH DEFINED 2 6,400 1,332
VERIZON COMMUNICATI COM 92343V104 113 2,332 SH DEFINED 2,332
VERIZON COMMUNICATI COM 92343V104 9,694 200,138 SH SOLE 1 198,981 1,157
VERIZON COMMUNICATI COM 92343V104 1,132 23,376 SH SOLE 2 23,376
VERIZON COMMUNICATI COM 92343V104 343 7,088 SH SOLE 7,088
VIACOM INC NON-VOTI COM 925524308 508 8,680 SH DEFINED 1 8,680
VIACOM INC NON-VOTI COM 925524308 35 598 SH SOLE 1 598
VISTEON CORPORATION COM 92839U107 4 247 SH DEFINED 1 247
VISTEON CORPORATION COM 92839U107 151 9,960 SH SOLE 1 9,878 82
VLASSIC FOODS INTER COM 928559103 11 10,000 SH DEFINED 1 10,000
VODAFONE GROUP PLC COM 92857W100 95 2,560 SH DEFINED 1 2,560
VODAFONE GROUP PLC COM 92857W100 743 20,070 SH SOLE 1 20,070
WACHOVIA CORPORATIO COM 929771103 318 5,606 SH DEFINED 1 672 4,934
WACHOVIA CORPORATIO COM 929771103 238 4,200 SH DEFINED 2 4,200
WACHOVIA CORPORATIO COM 929771103 24 425 SH DEFINED 425
WACHOVIA CORPORATIO COM 929771103 4,759 83,955 SH SOLE 1 83,530 425
WACHOVIA CORPORATIO COM 929771103 60 1,050 SH SOLE 2 1,050
WACHOVIA CORPORATIO COM 929771103 180 3,173 SH SOLE 3,173
WACHOVIA MUN FDS COM 929902104 135 12,615 SH SOLE 12,615
WALGREEN COMPANY COM 931422109 333 8,774 SH SOLE 2 8,774
WAL-MART STORES, IN COM 931142103 752 15,626 SH DEFINED 1 6,110 8,296 1,220
WAL-MART STORES, IN COM 931142103 250 5,200 SH DEFINED 2 5,200
WAL-MART STORES, IN COM 931142103 8 157 SH DEFINED 157
WAL-MART STORES, IN COM 931142103 3,291 68,385 SH SOLE 1 68,385
WAL-MART STORES, IN COM 931142103 2,619 54,412 SH SOLE 2 54,412
WAL-MART STORES, IN COM 931142103 633 13,150 SH SOLE 13,150
WAL-MART STORES, IN COM 931142103 1,661 34,506 SH SOLE 34,506
WALT DISNEY COMPANY COM 254687106 372 9,735 SH DEFINED 1 7,800 1,935
WALT DISNEY COMPANY COM 254687106 21 555 SH DEFINED 555
WALT DISNEY COMPANY COM 254687106 5,023 131,314 SH SOLE 1 130,689 625
WALT DISNEY COMPANY COM 254687106 1,437 37,560 SH SOLE 2 37,560
WALT DISNEY COMPANY COM 254687106 630 16,470 SH SOLE 16,470
WARBURG PINCUS GLOB COM 933907107 123 12,655 SH DEFINED 1 12,655
WELLPOINT HEALTH NE COM 94973H108 1,656 17,250 SH SOLE 1 17,250
WELLS FARGO & COMPA COM 949746101 204 4,440 SH DEFINED 1 1,200 3,240
WELLS FARGO & COMPA COM 949746101 119 2,580 SH SOLE 1 2,580
WELLS FARGO & COMPA COM 949746101 221 4,800 SH SOLE 4,800
WESTPOINT STEVENS I COM 961238102 176 14,367 SH SOLE 1 14,367
WEYERHAEUSER CO COM 962166104 93 2,286 SH DEFINED 1 330 325 1,631
WEYERHAEUSER CO COM 962166104 243 6,000 SH DEFINED 2 6,000
WEYERHAEUSER CO COM 962166104 1,543 38,050 SH SOLE 1 38,050
WEYERHAEUSER CO COM 962166104 63 1,550 SH SOLE 2 1,550
WINN-DIXIE STORES, COM 974280109 460 31,996 SH DEFINED 2 31,996
WINN-DIXIE STORES, COM 974280109 487 33,890 SH SOLE 1 33,890
WINN-DIXIE STORES, COM 974280109 86 5,976 SH SOLE 2 5,976
WORLDCOM INC. GA NE COM 98157D106 305 10,042 SH DEFINED 1 10,042
WORLDCOM INC. GA NE COM 98157D106 1,869 61,518 SH SOLE 1 60,768 750
XEROX CORP COM 984121103 7 455 SH DEFINED 1 320 135
XEROX CORP COM 984121103 344 22,947 SH SOLE 1 22,317 630
</TABLE>
