UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
C & F Financial Corporation
(Amendment No. 1)*.
Common
12466Q104
Check the following box if a fee is being paid with this statement
( ). (A fee is not required only if the filing person: (1) has a
previous statement on file reporting beneficial ownership of more
than five percent of the class of securities described in Item 1;
and (2) has filed no amendment subsequent thereto reporting
beneficial ownership of five percent or less of such class.) (See
Rule 13d-7).
*The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the
subject class of securities, and for any subsequent amendment
containing information which would alter the disclosures provided
in a prior cover page.
The information required in the remainder of this cover page shall
not be deemed to be "filed" for the purpose of Section 18 of the
Securities Exchange Act of 1934 ("Act") or otherwise subject to the
liabilities of that section of the Act but shall be subject to all
other provisions of the Act (however, see the Notes).
CUSIP NO. 12466Q104 13G
1. NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
SunTrust Banks, Inc. as Parent Holding Company for Mid-
Atlantic Bank and in various fiduciary capacities. 58-1575035
- ---------------------------------------------------------------2.
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(A)______
(B)______
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3. SEC USE ONLY
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4. CITIZENSHIP OR PLACE OR ORGANIZATION
Georgia
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NUMBER OF 5. SOLE VOTING POWER
SHARES 37,680
- ---------------------------------------------------
BENEFICIALLY 6. SHARED VOTING POWER
OWNED BY 199,072
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EACH 7. SOLE DISPOSITIVE POWER
REPORTING 37,680
- ---------------------------------------------------
PERSON 8. SHARED DISPOSITIVE POWER
WITH 199,072
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9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
236,752
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10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
SHARES*
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11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
6.49%
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12. TYPE OF REPORTING PERSON*
HC and BK
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
Item 1(a) Name of Issuer:
- ------------------------
C & F Financial Corporation
Item 1(b) Address of Issuer's Principal Executive Offices:
- ---------------------------------------------------------
Eighth & Main Street
West Point, Virginia 23181
Item 2(a) Name of Person Filing:
- -------------------------------
SunTrust Banks, Inc. as Parent Holding Company for Mid-Atlantic
Bank and in various fiduciary capacities.
Item 2)b) Address of Principal Business Office(s):
- -------------------------------------------------
303 Peachtree Street, Suite 1500
Atlanta, Georgia 30308
Item 2(c) Citizenship:
- ---------------------
SunTrust Banks, Inc. is a Georgia corporation; Mid-Atlantic Bank is
a Virginia banking association.
Item 2(d) Title of Class of Securities:
- --------------------------------------
Common Stock
Item 2(e) CUSIP Number:
- ----------------------
12466Q104
Item 3 Type of Person:
- ---------------------
(b) Bank as defined in section 3(a)(6) of the Act.
(g) Parent Holding company, in accordance with para. 240,13d-
1(1)(ii))H).
Item 4 Ownership:
- ----------------
Amount beneficially owned: 236,752
(b) Percent of Class: 6.49%
(c) Number of Shares as to which such person has:
(i) Sole power to vote or to direct the vote: 37,680
(ii) Shared power to vote or to direct the vote: 199,072
(iii)Sole power to dispose or to direct the
disposition of: 37,680
(iv) Shared power to dispose or to direct the
disposition of: 199,072
Item 5 Ownership of Five Percent of Less of Class:
- -------------------------------------------------
Not Applicable
Item 6 Ownership of More than 5 Percent of Behalf of Another
Person:
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See Exhibit B
Item 7 Identification and Classification of the Subsidiary which
acquired the security being reported on by the Parent Holding
Company:
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See Item 2 and Exhibit C
Item 8 Identification and Classification of Members of the Group:
- ----------------------------------------------------------------
Not Applicable
Item 9 Notice of Dissolution of Group:
- -------------------------------------
Not Applicable
Item 10 Certification:
- ---------------------
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired in the
ordinary course of business and were not acquired for the purpose
of and do not have the effect of changing or influencing the
control of the issuer of such securities and were not acquired in
connection with or as a participant in any transaction having such
purpose of effect.
Signature:
- ---------
After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this statement
is true, complete and correct.
Dated:
- -----
February 10, 2000
SunTrust Banks, Inc.
By /s/ Cynthia S. Walker
Assistant Vice President
STI Trust and Investment Operations, Inc. as agent for
SunTrust Banks, Inc.
EXHIBIT A
The shares reported are held by one or more subsidiaries of
SunTrust Banks, Inc. in various fiduciary and agency capacities.
SunTrust Banks, Inc. and such subsidiaries disclaim by beneficial
interest in any of the shares reported, and the filing of this
statement shall not be construed as an admission to the contrary.
Certain of the shares included in shared voting authority are held
in agency accounts and co-fiduciary accounts in nominee
registration. These are voted by the banks under revocable
authority of trust accounts and therefore, are reported as shared
voting authority.
EXHIBIT B
Various co-trustees share the power to direct subsidiaries of
income including dividends and the proceeds from sale of
securities. Additionally, various beneficiaries have the right to
receive dividends.
EXHIBIT C
Sole Shared Sole Shared
Voting Voting Power to Power to
Name of Person Filing Power Power Dispose Dispose
- ----------------------------------------------------------------------
SunTrust Banks, Inc.
as Parent Company for:
- -------------------------------
Mid-Atlantic Bank 37,680 199,072 37,680 199,072
and in Various Fiduciary Capacities
919 East Main Street
P.O. Box 26665
Richmond, Virginia 23261-6665
Shares Beneficially Owned 236,752
SunTrust Banks, Inc.
303 Peachtree Street, Suite 1500
Atlanta, Georgia 30308
February 10, 2000
Ladies and Gentlemen:
There is hereby transmitted for filing pursuant to Section 13(g)
of the Securities and Exchange Act of 1934 and Rule 13G thereunder
a Schedule 13G relating to beneficial ownership by SunTrust Banks,
Inc. and its subsidiaries of shares of C & F Financial
Corporation Common stock.
Please call the undersigned at (404) 581-1475 if you have any questions.
Sincerely,
/s/ Cynthia S. Walker
- ---------------------
Cynthia S. Walker
Assistant Vice President
STI Trust & Investment Operations, Inc. as agent for SunTrust Banks, Inc.
cc: C & F Financial Corporation
National Association of Securities Dealers
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