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, 2001
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 July 19, 2001
[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).)
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 2
Form 13F Information Table Entry Total: 636
Form 13F Information Table Value Total: 2,391,820
(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)
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8
Title Shares Sh/Put
Name of Value or Prn Investment Other Voting Authority
of Issuer Class Cusip (x$1000) Prn Amt Call Discretion Managers Sole Shared None
AFLAC, INCORPORATED COM 001055102 431 13,700 SH DEFINED 2 13,700
AFLAC, INCORPORATED COM 001055102 69 2,200 SH DEFINED 2 2,200
AFLAC, INCORPORATED COM 001055102 29,266 929,383 SH DEFINED 1 926,093 3,290
AFLAC, INCORPORATED COM 001055102 6,123 194,436 SH DEFINED 1 26,582 167,854
AOL TIME WARNER, INC COM 00184A105 374 7,050 SH DEFINED 2 7,050
AOL TIME WARNER, INC COM 00184A105 136 2,563 SH DEFINED 2 2,425 138
AOL TIME WARNER, INC COM 00184A105 550 10,386 SH DEFINED 1 8,386 2,000
AOL TIME WARNER, INC COM 00184A105 411 7,749 SH DEFINED 1 6,210 1,539
AOL TIME WARNER, INC COM 00184A105 429 8,093 SH DEFINED 8,093
AT&T CORP COM 001957109 645 29,340 SH DEFINED 2 29,340
AT&T CORP COM 001957109 235 10,689 SH DEFINED 2 10,689
AT&T CORP COM 001957109 2,940 133,630 SH DEFINED 1 132,630 1,000
AT&T CORP COM 001957109 437 19,841 SH DEFINED 1 16,257 3,059 525
AT&T CORP COM 001957109 882 40,111 SH DEFINED 39,244 867
AT&T CORP COM 001957109 41 1,860 SH DEFINED 1,350 510
ABBOTT LABS COM 002824100 1,233 25,683 SH DEFINED 2 25,483 200
ABBOTT LABS COM 002824100 624 13,000 SH DEFINED 2 2,000 11,000
ABBOTT LABS COM 002824100 3,440 71,650 SH DEFINED 1 71,550 100
ABBOTT LABS COM 002824100 163 3,400 SH DEFINED 1 3,400
ABBOTT LABS COM 002824100 726 15,130 SH DEFINED 15,130
AGERE SYSTEM, INC. COM 00845V100 75 10,000 SH DEFINED 1 10,000
AGILENT TECHNOLOGIES, I COM 00846U101 281 8,647 SH DEFINED 1 8,464 183
AGILENT TECHNOLOGIES, I COM 00846U101 11 343 SH DEFINED 1 108 235
AIR PRODUCTS & CHEMICAL COM 009158106 2,406 52,590 SH DEFINED 1 52,590
ALCOA INC COM 013817101 625 15,855 SH DEFINED 1 15,855
ALCOA INC COM 013817101 280 7,106 SH DEFINED 1 2,306 4,800
ALLSTATE CORPORATION COM 020002101 461 10,476 SH DEFINED 10,476
ALLTEL CORPORATION COM 020039103 332 5,416 SH DEFINED 2 5,416
ALLTEL CORPORATION COM 020039103 124 2,027 SH DEFINED 2 1,724 200 103
ALLTEL CORPORATION COM 020039103 411 6,711 SH DEFINED 1 6,391 320
ALLTEL CORPORATION COM 020039103 337 5,496 SH DEFINED 5,496
AMERICAN ELECTRIC POWER COM 025537101 310 6,718 SH DEFINED 2 6,718
AMERICAN ELECTRIC POWER COM 025537101 37 800 SH DEFINED 2 800
AMERICAN ELECTRIC POWER COM 025537101 411 8,896 SH DEFINED 1 8,896
AMERICAN ELECTRIC POWER COM 025537101 127 2,759 SH DEFINED 1 2,759
AMERICAN EXPRESS COMPAN COM 025816109 492 12,691 SH DEFINED 1 12,691
AMERICAN EXPRESS COMPAN COM 025816109 378 9,750 SH DEFINED 1 3,000 2,100 4,650
AMERICAN GENERAL AIRCRA COM 026358994 0 13,000 SH DEFINED 1 13,000
AMERICAN HOME PRODUCTS COM 026609107 884 15,120 SH DEFINED 2 15,120
AMERICAN HOME PRODUCTS COM 026609107 888 15,200 SH DEFINED 2 14,000 1,200
AMERICAN HOME PRODUCTS COM 026609107 5,451 93,273 SH DEFINED 1 92,543 730
AMERICAN HOME PRODUCTS COM 026609107 222 3,800 SH DEFINED 1 3,800
AMERICAN HOME PRODUCTS COM 026609107 705 12,058 SH DEFINED 12,058
AMERICAN HOME PRODUCTS COM 026609107 1 25 SH DEFINED 25
AMERICAN INTERNATIONAL COM 026874107 1,402 16,304 SH DEFINED 2 16,304
AMERICAN INTERNATIONAL COM 026874107 499 5,804 SH DEFINED 2 1,500 4,304
AMERICAN INTERNATIONAL COM 026874107 5,024 58,415 SH DEFINED 1 58,190 225
AMERICAN INTERNATIONAL COM 026874107 907 10,544 SH DEFINED 10,544
AMERICAN INTERNATIONAL COM 026874107 11 129 SH DEFINED 129
AMGEN INC COM 031162100 3 50 SH DEFINED 2 50
AMGEN INC COM 031162100 404 6,650 SH DEFINED 2 5,000 1,650
AMGEN INC COM 031162100 924 15,226 SH DEFINED 1 15,226
AMGEN INC COM 031162100 757 12,469 SH DEFINED 1 12,469
AMGEN INC COM 031162100 388 6,400 SH DEFINED 6,400
AMGEN INC COM 031162100 92 1,520 SH DEFINED 1,520
AMSOUTH BANCORPORATION COM 032165102 19 1,010 SH DEFINED 1,010
AMSOUTH BANCORPORATION COM 032165102 265 14,350 SH DEFINED 14,350
ANHEUSER BUSCH COMPANIE COM 035229103 432 10,480 SH DEFINED 2 10,480
ANHEUSER BUSCH COMPANIE COM 035229103 231 5,600 SH DEFINED 2 4,400 1,200
ANHEUSER BUSCH COMPANIE COM 035229103 158 3,825 SH DEFINED 1 3,825
ANHEUSER BUSCH COMPANIE COM 035229103 401 9,738 SH DEFINED 1 8,000 1,738
APPLIED MATERIALS INC COM 038222105 539 10,985 SH DEFINED 1 10,985
ARCH COAL, INC. COM 039380100 600 23,197 SH DEFINED 2 23,197
ARCH COAL, INC. COM 039380100 187 7,211 SH DEFINED 2 7,211
ARCHER-DANIELS-MIDLAND COM 039483102 274 21,050 SH DEFINED 1 21,050
ASHLAND INC COM 044204105 5,213 129,994 SH DEFINED 2 129,994
ASHLAND INC COM 044204105 1,640 40,886 SH DEFINED 2 40,886
AUTOMATIC DATA PROCESSI COM 053015103 846 17,014 SH DEFINED 2 17,014
AUTOMATIC DATA PROCESSI COM 053015103 656 13,200 SH DEFINED 2 6,300 6,900
AUTOMATIC DATA PROCESSI COM 053015103 3,222 64,822 SH DEFINED 1 64,822
AUTOMATIC DATA PROCESSI COM 053015103 219 4,400 SH DEFINED 1 4,400
AVERY DENNISON CORPORAT COM 053611109 43 850 SH DEFINED 2 850
AVERY DENNISON CORPORAT COM 053611109 257 5,032 SH DEFINED 2 5,032
BB & T CORPORATION COM 054937107 733 19,961 SH DEFINED 1 18,481 1,480
BP P.L.C. COM 055622104 616 12,362 SH DEFINED 2 12,362
BP P.L.C. COM 055622104 532 10,674 SH DEFINED 2 8,070 2,604
BP P.L.C. COM 055622104 5,141 103,121 SH DEFINED 1 100,943 2,178
BP P.L.C. COM 055622104 500 10,038 SH DEFINED 1 5,250 4,788
BP P.L.C. COM 055622104 246 4,938 SH DEFINED 4,840 98
BP P.L.C. COM 055622104 390 7,832 SH DEFINED 7,832
BANK OF AMERICA CORP COM 060505104 7,183 119,659 SH DEFINED 2 119,659
BANK OF AMERICA CORP COM 060505104 4,201 69,980 SH DEFINED 2 840 66,883 2,257
BANK OF AMERICA CORP COM 060505104 5,648 94,094 SH DEFINED 1 91,250 2,844
BANK OF AMERICA CORP COM 060505104 552 9,201 SH DEFINED 1 168 5,236 3,797
BANK OF AMERICA CORP COM 060505104 3,083 51,358 SH DEFINED 51,358
BANK OF AMERICA CORP COM 060505104 170 2,829 SH DEFINED 2,829
BANK ONE CORPORATION COM 06423A103 86 2,400 SH DEFINED 2 2,400
BANK ONE CORPORATION COM 06423A103 171 4,783 SH DEFINED 2 4,783
BANK ONE CORPORATION COM 06423A103 233 6,496 SH DEFINED 1 6,496
BANK ONE CORPORATION COM 06423A103 33 912 SH DEFINED 1 912
BAXTER INTERNATIONAL, I COM 071813109 105 2,138 SH DEFINED 2 2,138
BAXTER INTERNATIONAL, I COM 071813109 147 3,000 SH DEFINED 2 3,000
BAXTER INTERNATIONAL, I COM 071813109 2,368 48,323 SH DEFINED 1 48,323
BAXTER INTERNATIONAL, I COM 071813109 127 2,600 SH DEFINED 1 1,000 1,600
BELLSOUTH CORPORATION COM 079860102 4,028 100,021 SH DEFINED 2 100,021
BELLSOUTH CORPORATION COM 079860102 706 17,528 SH DEFINED 2 6,600 10,928
BELLSOUTH CORPORATION COM 079860102 6,665 165,520 SH DEFINED 1 160,810 4,710
BELLSOUTH CORPORATION COM 079860102 3,022 75,032 SH DEFINED 1 5,691 65,192 4,149
BELLSOUTH CORPORATION COM 079860102 809 20,084 SH DEFINED 19,904 180
BELLSOUTH CORPORATION COM 079860102 331 8,220 SH DEFINED 2,400 5,820
BERKSHIRE HATHAWAY, INC COM 084670108 3,748 54 SH DEFINED 1 54
BOLLINGER INDUSTRIES IN COM 097676100 18 28,000 SH DEFINED 1 28,000
BOLLINGER INDUSTRIES IN COM 097676993 45 110,000 SH DEFINED 1 110,000
BRISTOL-MYERS SQUIBB CO COM 110122108 1,992 38,097 SH DEFINED 2 38,097
BRISTOL-MYERS SQUIBB CO COM 110122108 757 14,480 SH DEFINED 2 14,480
BRISTOL-MYERS SQUIBB CO COM 110122108 4,533 86,670 SH DEFINED 1 85,970 700
BRISTOL-MYERS SQUIBB CO COM 110122108 902 17,243 SH DEFINED 1 7,650 6,668 2,925
BRISTOL-MYERS SQUIBB CO COM 110122108 1,528 29,207 SH DEFINED 29,207
BRISTOL-MYERS SQUIBB CO COM 110122108 63 1,200 SH DEFINED 1,200
CAPITAL CITY BANK GROUP COM 139674105 544 21,879 SH DEFINED 1 21,879
CHEVRON CORPORATION COM 166751107 2,232 24,668 SH DEFINED 2 24,668
CHEVRON CORPORATION COM 166751107 724 8,000 SH DEFINED 2 4,800 3,200
CHEVRON CORPORATION COM 166751107 4,189 46,289 SH DEFINED 1 45,994 295
CHEVRON CORPORATION COM 166751107 332 3,670 SH DEFINED 1 2,622 648 400
CHEVRON CORPORATION COM 166751107 185 2,041 SH DEFINED 1,841 200
CHEVRON CORPORATION COM 166751107 54 600 SH DEFINED 600
CHUBB CORPORATION COM 171232101 27 350 SH DEFINED 2 350
CHUBB CORPORATION COM 171232101 348 4,500 SH DEFINED 2 4,500
CHUBB CORPORATION COM 171232101 1,619 20,904 SH DEFINED 1 20,744 160
CHUBB CORPORATION COM 171232101 6,461 83,444 SH DEFINED 1 1,744 81,700
CISCO SYSTEMS COM 17275R102 553 30,385 SH DEFINED 2 30,385
CISCO SYSTEMS COM 17275R102 269 14,775 SH DEFINED 2 6,000 8,775
CISCO SYSTEMS COM 17275R102 4,619 253,805 SH DEFINED 1 250,205 3,600
CISCO SYSTEMS COM 17275R102 165 9,088 SH DEFINED 1 3,698 5,390
CISCO SYSTEMS COM 17275R102 1,282 70,467 SH DEFINED 70,467
CISCO SYSTEMS COM 17275R102 3 183 SH DEFINED 183
CITIGROUP INCORPORATED COM 172967101 788 14,909 SH DEFINED 2 14,909
CITIGROUP INCORPORATED COM 172967101 214 4,042 SH DEFINED 2 4,042
CITIGROUP INCORPORATED COM 172967101 6,052 114,533 SH DEFINED 1 113,334 1,199
CITIGROUP INCORPORATED COM 172967101 1,599 30,255 SH DEFINED 1 10,669 19,313 273
CITIGROUP INCORPORATED COM 172967101 1,464 27,713 SH DEFINED 26,700 1,013
CITIGROUP INCORPORATED COM 172967101 41 773 SH DEFINED 773
CITIZENS COMMUNICATIONS COM 17453B101 227 18,851 SH DEFINED 1 18,851
CLOROX COMPANY COM 189054109 230 6,800 SH DEFINED 1 6,800
CLOROX COMPANY COM 189054109 20 596 SH DEFINED 1 596
COCA COLA COMPANY COM 191216100 98,615 2,191,442 SH DEFINED 2 2,096,382 95,060
COCA COLA COMPANY COM 191216100 4,493 99,847 SH DEFINED 2 85,000 14,847
COCA COLA COMPANY COM 191216100 367,393 8,164,288 SH DEFINED 1 8,123,332 40,956
COCA COLA COMPANY COM 191216100 20,549 456,634 SH DEFINED 1 31,117 413,632 11,885
COCA COLA COMPANY COM 191216100 1,453 32,299 SH DEFINED 32,299
COCA COLA COMPANY COM 191216100 15 342 SH DEFINED 342
COCA-COLA ENTERPRISES I COM 191219104 7,253 443,636 SH DEFINED 1 443,636
COLGATE-PALMOLIVE COMPA COM 194162103 980 16,612 SH DEFINED 2 16,612
COLGATE-PALMOLIVE COMPA COM 194162103 319 5,400 SH DEFINED 2 5,400
COLGATE-PALMOLIVE COMPA COM 194162103 3,228 54,715 SH DEFINED 1 54,715
COLGATE-PALMOLIVE COMPA COM 194162103 718 12,174 SH DEFINED 12,174
COLGATE-PALMOLIVE COMPA COM 194162103 15 251 SH DEFINED 251
COMCAST CORPORATION CLA COM 200300200 184 4,250 SH DEFINED 2 4,250
COMCAST CORPORATION CLA COM 200300200 87 2,000 SH DEFINED 2 2,000
COMPAQ COMPUTER CORP COM 204493100 2,929 189,105 SH DEFINED 1 188,317 788
COMPAQ COMPUTER CORP COM 204493100 94 6,060 SH DEFINED 1 4,000 2,060
COMPASS BANCSHARES INC. COM 20449H109 746 28,147 SH DEFINED 28,147
CONOCO INCORPORATED COM 208251306 282 10,000 SH DEFINED 1 10,000
CONOCO CLASS B COM 208251405 2,782 96,265 SH DEFINED 1 96,265
CONSOLIDATED EDISON INC COM 209115104 239 5,998 SH DEFINED 2 5,998
CONSOLIDATED EDISON INC COM 209115104 52 1,300 SH DEFINED 2 1,300
CONSTELLATION ENERGY GR COM 210371100 234 5,500 SH DEFINED 2 5,500
CORPAS INVESTMENTS, INC COM 21986N103 0 13,333 SH DEFINED 1 13,333
COUSINS PROPERTIES INCO COM 222795106 211 7,875 SH DEFINED 1 7,875
COUSINS PROPERTIES INCO COM 222795106 81 3,000 SH DEFINED 1 3,000
DEVELOPERS-INVESTORS,IN COM 232990AA9 456 450,000 SH DEFINED 1
DARDEN RESTAURANTS INC COM 237194105 1,059 37,952 SH DEFINED 1 37,952
DARDEN RESTAURANTS INC COM 237194105 170 6,100 SH DEFINED 1 6,100
DELL COMPUTER CORPORATI COM 247025109 2,584 98,814 SH DEFINED 1 97,814 1,000
DELL COMPUTER CORPORATI COM 247025109 37 1,400 SH DEFINED 1 1,400
WALT DISNEY COMPANY HOL COM 254687106 1,131 39,160 SH DEFINED 2 39,160
WALT DISNEY COMPANY HOL COM 254687106 164 5,665 SH DEFINED 2 5,665
WALT DISNEY COMPANY HOL COM 254687106 4,770 165,118 SH DEFINED 1 164,393 725
WALT DISNEY COMPANY HOL COM 254687106 258 8,935 SH DEFINED 1 7,000 1,935
WALT DISNEY COMPANY HOL COM 254687106 767 26,552 SH DEFINED 26,552
WALT DISNEY COMPANY HOL COM 254687106 19 655 SH DEFINED 655
E. I. DUPONT DE NEMOURS COM 263534109 458 9,500 SH DEFINED 2 9,500
E. I. DUPONT DE NEMOURS COM 263534109 53 1,100 SH DEFINED 2 1,100
E. I. DUPONT DE NEMOURS COM 263534109 3,019 62,575 SH DEFINED 1 62,235 340
E. I. DUPONT DE NEMOURS COM 263534109 478 9,905 SH DEFINED 1 6,100 3,805
E. I. DUPONT DE NEMOURS COM 263534109 2,517 52,179 SH DEFINED 52,179
E. I. DUPONT DE NEMOURS COM 263534109 25 525 SH DEFINED 525
DUKE ENERGY CORPORATION COM 264399106 339 8,700 SH DEFINED 2 8,700
DUKE ENERGY CORPORATION COM 264399106 124 3,170 SH DEFINED 2 3,170
DUKE ENERGY CORPORATION COM 264399106 286 7,332 SH DEFINED 1 7,332
DUKE ENERGY CORPORATION COM 264399106 308 7,900 SH DEFINED 1 4,000 3,900
DUKE ENERGY CORPORATION COM 264399106 597 15,314 SH DEFINED 15,314
DUKE ENERGY CORPORATION COM 264399106 16 400 SH DEFINED 400
EMC CORP COM 268648102 632 21,770 SH DEFINED 2 21,770
EMC CORP COM 268648102 291 10,000 SH DEFINED 2 5,000 5,000
EMC CORP COM 268648102 351 12,095 SH DEFINED 1 11,995 100
EMC CORP COM 268648102 28 965 SH DEFINED 1 775 190
EASTMAN KODAK CO. COM 277461109 56 1,197 SH DEFINED 1 613 584
EASTMAN KODAK CO. COM 277461109 234 5,020 SH DEFINED 1 4,000 300 720
ECHELON CORPORATION COM 27874N105 248 8,050 SH DEFINED 1 8,050
EL PASO CORPORATION COM 28336L109 2,530 48,155 SH DEFINED 1 48,155
EL PASO CORPORATION COM 28336L109 34 643 SH DEFINED 1 643
EL PASO CORPORATION COM 28336L109 261 4,964 SH DEFINED 4,964
ELECTRONIC DATA SYSTEMS COM 285661104 428 6,842 SH DEFINED 2 6,842
ELECTRONIC DATA SYSTEMS COM 285661104 25 400 SH DEFINED 2 400
ELECTRONIC DATA SYSTEMS COM 285661104 5,565 89,043 SH DEFINED 1 85,758 3,285
ELECTRONIC DATA SYSTEMS COM 285661104 562 8,984 SH DEFINED 8,984
ELECTRONIC DATA SYSTEMS COM 285661104 13 200 SH DEFINED 200
EMERSON ELECTRIC CO. COM 291011104 415 6,855 SH DEFINED 2 6,855
EMERSON ELECTRIC CO. COM 291011104 299 4,950 SH DEFINED 2 4,950
EMERSON ELECTRIC CO. COM 291011104 4,544 75,112 SH DEFINED 1 75,112
EMERSON ELECTRIC CO. COM 291011104 182 3,000 SH DEFINED 1 3,000
ENERGEN CORPORATION COM 29265N108 44 1,608 SH DEFINED 1,608
ENERGEN CORPORATION COM 29265N108 635 23,000 SH DEFINED 23,000
ENRON CORPORATION COM 293561106 2,424 49,469 SH DEFINED 48,669 800
EQUIFAX, INCORPORATED COM 294429105 59 1,600 SH DEFINED 1 1,600
EQUIFAX, INCORPORATED COM 294429105 376 10,239 SH DEFINED 1 6,239 4,000
EXXON MOBIL CORPORATION COM 30231G102 6,841 78,320 SH DEFINED 2 78,120 200
EXXON MOBIL CORPORATION COM 30231G102 2,344 26,834 SH DEFINED 2 5,056 20,178 1,600
EXXON MOBIL CORPORATION COM 30231G102 12,543 143,592 SH DEFINED 1 141,700 1,892
EXXON MOBIL CORPORATION COM 30231G102 3,396 38,873 SH DEFINED 1 3,435 30,014 5,424
EXXON MOBIL CORPORATION COM 30231G102 8,039 92,034 SH DEFINED 91,634 400
EXXON MOBIL CORPORATION COM 30231G102 380 4,350 SH DEFINED 4,350
FPL GROUP, INC. COM 302571104 175 2,900 SH DEFINED 2 2,900
FPL GROUP, INC. COM 302571104 60 1,000 SH DEFINED 2 500 500
FEDERAL HOME LOAN MORTG COM 313400301 186 2,650 SH DEFINED 2 2,650
FEDERAL HOME LOAN MORTG COM 313400301 28 400 SH DEFINED 2 400
FANNIE MAE COM 313586109 966 11,339 SH DEFINED 2 11,339
FANNIE MAE COM 313586109 549 6,450 SH DEFINED 2 3,000 3,450
FANNIE MAE COM 313586109 7,935 93,183 SH DEFINED 1 92,733 450
FANNIE MAE COM 313586109 290 3,403 SH DEFINED 1 420 2,800 183
FANNIE MAE COM 313586109 882 10,354 SH DEFINED 10,354
FANNIE MAE COM 313586109 12 141 SH DEFINED 141
FIFTH THIRD BANCORP COM 316773100 297 4,950 SH DEFINED 2 4,950
FIRST TENNESSEE NATIONA COM 337162101 685 19,744 SH DEFINED 1 19,744
FIRST UNION CORPORATION COM 337358105 12 330 SH DEFINED 2 330
FIRST UNION CORPORATION COM 337358105 349 10,000 SH DEFINED 2 10,000
FIRST UNION CORPORATION COM 337358105 917 26,231 SH DEFINED 1 26,231
FIRST UNION CORPORATION COM 337358105 902 25,808 SH DEFINED 1 5,000 20,808
FLEETBOSTON FINANCIAL C COM 339030108 5,919 150,031 SH DEFINED 1 149,681 350
FLEETBOSTON FINANCIAL C COM 339030108 68 1,730 SH DEFINED 1 900 830
FLEETBOSTON FINANCIAL C COM 339030108 501 12,695 SH DEFINED 12,695
FLEETBOSTON FINANCIAL C COM 339030108 2 50 SH DEFINED 50
FLOWERS FOODS, INC. COM 343498101 416 13,272 SH DEFINED 1 13,272
FORD MOTOR COMPANY NEW COM 345370860 99 4,029 SH DEFINED 2 4,029
FORD MOTOR COMPANY NEW COM 345370860 112 4,544 SH DEFINED 2 4,544
FORD MOTOR COMPANY NEW COM 345370860 3,623 147,579 SH DEFINED 1 146,303 1,276
FORD MOTOR COMPANY NEW COM 345370860 82 3,330 SH DEFINED 1 3,330
FORD MOTOR COMPANY NEW COM 345370860 618 25,177 SH DEFINED 25,177
FORD MOTOR COMPANY NEW COM 345370860 7 265 SH DEFINED 265
GPU INCORPORATED COM 36225X100 186 5,300 SH DEFINED 2 5,300
GPU INCORPORATED COM 36225X100 102 2,900 SH DEFINED 2 900 2,000
GANNETT COMPANY, INC. COM 364730101 214 3,250 SH DEFINED 2 3,250
GANNETT COMPANY, INC. COM 364730101 53 800 SH DEFINED 2 800
GENENTECH, INC COM 368710406 171 3,100 SH DEFINED 2 3,100
GENENTECH, INC COM 368710406 187 3,400 SH DEFINED 2 3,000 400
GENERAL DYNAMICS CORP COM 369550108 127 1,638 SH DEFINED 1 300 1,338
GENERAL DYNAMICS CORP COM 369550108 99 1,274 SH DEFINED 1 1,274
GENERAL ELECTRIC COMPAN COM 369604103 10,716 219,816 SH DEFINED 2 219,616 200
GENERAL ELECTRIC COMPAN COM 369604103 4,357 89,380 SH DEFINED 2 27,000 58,780 3,600
GENERAL ELECTRIC COMPAN COM 369604103 19,122 392,250 SH DEFINED 1 371,393 20,857
GENERAL ELECTRIC COMPAN COM 369604103 8,202 168,245 SH DEFINED 1 27,055 105,588 35,602
GENERAL ELECTRIC COMPAN COM 369604103 6,173 126,622 SH DEFINED 126,622
GENERAL ELECTRIC COMPAN COM 369604103 165 3,394 SH DEFINED 2,400 994
GENERAL MILLS, INC. COM 370334104 7,256 165,743 SH DEFINED 1 165,743
GENERAL MILLS, INC. COM 370334104 875 19,988 SH DEFINED 1 19,988
GENERAL MOTORS CORPORAT COM 370442105 190 2,958 SH DEFINED 1 2,958
GENERAL MOTORS CORPORAT COM 370442105 51 788 SH DEFINED 1 190 598
GENERAL MOTORS CORPORAT COM 370442105 258 4,002 SH DEFINED 4,002
GENUINE PARTS COMPANY COM 372460105 1,455 46,184 SH DEFINED 1 46,184
GENUINE PARTS COMPANY COM 372460105 138 4,386 SH DEFINED 1 1,686 2,700
GILLETTE CO COM 375766102 705 24,315 SH DEFINED 2 24,315
GILLETTE CO COM 375766102 197 6,800 SH DEFINED 2 5,200 1,600
GILLETTE CO COM 375766102 88 3,024 SH DEFINED 1 2,524 500
GILLETTE CO COM 375766102 475 16,393 SH DEFINED 1 5,000 8,193 3,200
GLAXO WELLCOME PLC SPON COM 37733W105 509 9,065 SH DEFINED 2 9,065
GLAXO WELLCOME PLC SPON COM 37733W105 304 5,418 SH DEFINED 2 4,324 1,094
GOLDFIELD CORP(NEVADA) COM 381370105 90 150,000 SH DEFINED 150,000
HCA INC COM 404119109 1,405 31,085 SH DEFINED 1 31,085
HALLIBURTON COMPANY COM 406216101 241 6,776 SH DEFINED 1 6,776
H J HEINZ COMPANY COM 423074103 311 7,600 SH DEFINED 2 7,600
H J HEINZ COMPANY COM 423074103 8 200 SH DEFINED 2 200
H J HEINZ COMPANY COM 423074103 131 3,210 SH DEFINED 1 3,210
H J HEINZ COMPANY COM 423074103 123 3,000 SH DEFINED 1 3,000
HEWLETT PACKARD CO COM 428236103 825 28,850 SH DEFINED 2 28,550 300
HEWLETT PACKARD CO COM 428236103 189 6,600 SH DEFINED 2 1,600 5,000
HEWLETT PACKARD CO COM 428236103 3,514 122,876 SH DEFINED 1 121,691 1,185
HEWLETT PACKARD CO COM 428236103 52 1,810 SH DEFINED 1 194 1,236 380
HEWLETT PACKARD CO COM 428236103 957 33,462 SH DEFINED 33,462
HEWLETT PACKARD CO COM 428236103 14 474 SH DEFINED 474
HOME DEPOT INCORPORATED COM 437076102 1,093 23,476 SH DEFINED 2 23,476
HOME DEPOT INCORPORATED COM 437076102 893 19,190 SH DEFINED 2 11,150 8,040
HOME DEPOT INCORPORATED COM 437076102 5,663 121,660 SH DEFINED 1 118,560 3,100
HOME DEPOT INCORPORATED COM 437076102 348 7,471 SH DEFINED 1 2,370 3,135 1,966
HOME DEPOT INCORPORATED COM 437076102 1,461 31,385 SH DEFINED 30,251 1,134
HOME DEPOT INCORPORATED COM 437076102 47 1,011 SH DEFINED 1,011
HONEYWELL INTERNATIONAL COM 438516106 327 9,349 SH DEFINED 2 9,349
HONEYWELL INTERNATIONAL COM 438516106 49 1,400 SH DEFINED 2 1,400
HONEYWELL INTERNATIONAL COM 438516106 844 24,129 SH DEFINED 1 22,959 1,170
HONEYWELL INTERNATIONAL COM 438516106 24 692 SH DEFINED 1 552 140
HOUSEHOLD INTERNATIONAL COM 441815107 223 3,339 SH DEFINED 1 3,339
ILLINOIS TOOL WORKS, IN COM 452308109 313 4,950 SH DEFINED 2 4,850 100
ILLINOIS TOOL WORKS, IN COM 452308109 411 6,500 SH DEFINED 2 5,200 1,300
ILLINOIS TOOL WORKS, IN COM 452308109 262 4,143 SH DEFINED 1 3,853 290
ILLINOIS TOOL WORKS, IN COM 452308109 590 9,313 SH DEFINED 9,313
ILLINOIS TOOL WORKS, IN COM 452308109 17 265 SH DEFINED 265
INTEL CORPORATION COM 458140100 2,652 90,670 SH DEFINED 2 90,370 300
INTEL CORPORATION COM 458140100 1,094 37,400 SH DEFINED 2 21,200 16,200
INTEL CORPORATION COM 458140100 6,708 229,317 SH DEFINED 1 215,774 13,543
INTEL CORPORATION COM 458140100 661 22,591 SH DEFINED 1 1,184 19,446 1,961
INTEL CORPORATION COM 458140100 1,576 53,868 SH DEFINED 53,868
INTEL CORPORATION COM 458140100 161 5,500 SH DEFINED 5,500
INTERNATIONAL BUSINESS COM 459200101 1,477 13,067 SH DEFINED 2 13,067
INTERNATIONAL BUSINESS COM 459200101 977 8,643 SH DEFINED 2 4,693 3,950
INTERNATIONAL BUSINESS COM 459200101 6,833 60,472 SH DEFINED 1 58,267 2,205
INTERNATIONAL BUSINESS COM 459200101 656 5,808 SH DEFINED 1 1,200 695 3,913
INTERNATIONAL BUSINESS COM 459200101 946 8,370 SH DEFINED 7,145 1,225
INTERNATIONAL BUSINESS COM 459200101 8 74 SH DEFINED 74
INTERNATIONAL PAPER COM COM 460146103 51 1,420 SH DEFINED 1 1,420
INTERNATIONAL PAPER COM COM 460146103 301 8,426 SH DEFINED 1 7,426 1,000
INTUIT INC COM 461202103 720 18,000 SH DEFINED 1 18,000
J P MORGAN CHASE & CO. COM 46625H100 309 6,925 SH DEFINED 2 6,925
J P MORGAN CHASE & CO. COM 46625H100 195 4,368 SH DEFINED 2 4,368
J P MORGAN CHASE & CO. COM 46625H100 486 10,891 SH DEFINED 1 10,891
J P MORGAN CHASE & CO. COM 46625H100 447 10,030 SH DEFINED 1 8,550 1,480
J P MORGAN CHASE & CO. COM 46625H100 216 4,838 SH DEFINED 4,685 153
J P MORGAN CHASE & CO. COM 46625H100 7 155 SH DEFINED 155
JOHNSON & JOHNSON COM 478160104 773 15,450 SH DEFINED 2 15,450
JOHNSON & JOHNSON COM 478160104 753 15,060 SH DEFINED 2 400 14,660
JOHNSON & JOHNSON COM 478160104 8,967 179,343 SH DEFINED 1 179,343
JOHNSON & JOHNSON COM 478160104 4,249 84,977 SH DEFINED 1 83,414 1,563
JOHNSON & JOHNSON COM 478160104 1,333 26,667 SH DEFINED 26,667
JOHNSON & JOHNSON COM 478160104 27 530 SH DEFINED 530
KELLOGG COMPANY COM 487836108 753 25,956 SH DEFINED 1 25,956
KIMBERLY CLARK CORP COM 494368103 964 17,250 SH DEFINED 2 17,250
KIMBERLY CLARK CORP COM 494368103 331 5,924 SH DEFINED 2 200 5,100 624
KIMBERLY CLARK CORP COM 494368103 4,139 74,036 SH DEFINED 1 73,436 600
KIMBERLY CLARK CORP COM 494368103 69 1,230 SH DEFINED 1 1,230
KIMBERLY CLARK CORP COM 494368103 196 3,508 SH DEFINED 3,136 372
KIMBERLY CLARK CORP COM 494368103 7 120 SH DEFINED 120
KINDER MORGAN EGY PTNS COM 494550106 278 4,050 SH DEFINED 1 4,050
KROGER INC COM 501044101 2,378 95,120 SH DEFINED 1 95,120
LAKEHEAD PIPELINE PARTN COM 511557100 333 7,350 SH DEFINED 1 7,350
LEHMAN BROTHERS HOLDING COM 524908100 638 8,205 SH DEFINED 1 8,205
LEHMAN BROTHERS HOLDING COM 524908100 72 920 SH DEFINED 1 920
LEXMARK INTERNATIONAL I COM 529771107 188 2,800 SH DEFINED 2 2,800
LEXMARK INTERNATIONAL I COM 529771107 20 300 SH DEFINED 2 300
LILLY, ELI & CO COM 532457108 498 6,725 SH DEFINED 2 6,725
LILLY, ELI & CO COM 532457108 440 5,950 SH DEFINED 2 400 5,550
LILLY, ELI & CO COM 532457108 251 3,387 SH DEFINED 1 3,387
LILLY, ELI & CO COM 532457108 40 540 SH DEFINED 1 540
LILLY, ELI & CO COM 532457108 614 8,300 SH DEFINED 8,300
LILLY, ELI & CO COM 532457108 89 1,200 SH DEFINED 1,200
LOWES COMPANIES INC COM 548661107 326 4,500 SH DEFINED 2 4,500
LOWES COMPANIES INC COM 548661107 73 1,000 SH DEFINED 2 1,000
LOWES COMPANIES INC COM 548661107 3,972 54,745 SH DEFINED 1 53,550 1,195
LOWES COMPANIES INC COM 548661107 385 5,300 SH DEFINED 1 5,300
LOWES COMPANIES INC COM 548661107 633 8,725 SH DEFINED 8,725
LOWES COMPANIES INC COM 548661107 4 50 SH DEFINED 50
LUCENT TECHNOLOGIES INC COM 549463107 142 22,885 SH DEFINED 2 22,885
LUCENT TECHNOLOGIES INC COM 549463107 143 23,144 SH DEFINED 2 10,500 12,084 560
LUCENT TECHNOLOGIES INC COM 549463107 252 40,610 SH DEFINED 1 39,435 1,175
LUCENT TECHNOLOGIES INC COM 549463107 180 29,010 SH DEFINED 1 24,000 2,938 2,072
LUCENT TECHNOLOGIES INC COM 549463107 139 22,437 SH DEFINED 22,437
LUCENT TECHNOLOGIES INC COM 549463107 10 1,555 SH DEFINED 1,164 391
MBNA CORP COM 55262L100 183 5,550 SH DEFINED 2 5,550
MBNA CORP COM 55262L100 44 1,350 SH DEFINED 2 1,350
MANULIFE FINANCIAL CORP COM 56501R106 4,504 161,365 SH DEFINED 1 161,365
MARSH & MCLENNAN COMPAN COM 571748102 231 2,290 SH DEFINED 1 2,290
MARRIOTT INTERNATIONAL COM 571903202 204 4,300 SH DEFINED 2 4,300
MARRIOTT INTERNATIONAL COM 571903202 20 425 SH DEFINED 2 425
MARRIOTT INTERNATIONAL COM 571903202 4,562 96,375 SH DEFINED 1 96,375
MCDONALDS CORP COM 580135101 428 15,800 SH DEFINED 2 15,800
MCDONALDS CORP COM 580135101 206 7,600 SH DEFINED 2 7,600
MCDONALDS CORP COM 580135101 199 7,340 SH DEFINED 1 6,340 1,000
MCDONALDS CORP COM 580135101 216 8,000 SH DEFINED 1 8,000
MCGRAW HILL COMPANIES I COM 580645109 1,014 15,324 SH DEFINED 1 13,766 1,558
MEDTRONIC INC COM 585055106 670 14,552 SH DEFINED 2 14,552
MEDTRONIC INC COM 585055106 368 8,000 SH DEFINED 2 5,200 2,800
MEDTRONIC INC COM 585055106 4,733 102,871 SH DEFINED 1 101,401 1,470
MEDTRONIC INC COM 585055106 49 1,070 SH DEFINED 1 745 325
MEDTRONIC INC COM 585055106 780 16,959 SH DEFINED 16,159 800
MEDTRONIC INC COM 585055106 124 2,689 SH DEFINED 2,689
MERCHANTS BANCSHARES IN COM 588448100 308 10,000 SH DEFINED 2 10,000
MERCK & CO., INC COM 589331107 3,789 59,290 SH DEFINED 2 59,290
MERCK & CO., INC COM 589331107 879 13,750 SH DEFINED 2 5,600 8,150
MERCK & CO., INC COM 589331107 8,893 139,155 SH DEFINED 1 136,160 2,995
MERCK & CO., INC COM 589331107 2,556 39,996 SH DEFINED 1 9,880 10,172 19,944
MERCK & CO., INC COM 589331107 1,703 26,654 SH DEFINED 26,251 403
MERCK & CO., INC COM 589331107 14 224 SH DEFINED 224
MERRILL LYNCH AND CO, I COM 590188108 3,015 50,885 SH DEFINED 1 50,309 576
MERRILL LYNCH AND CO, I COM 590188108 277 4,674 SH DEFINED 4,674
MERRILL LYNCH AND CO, I COM 590188108 28 480 SH DEFINED 480
MICROSOFT CORPORATION COM 594918104 2,281 31,243 SH DEFINED 2 31,043 200
MICROSOFT CORPORATION COM 594918104 818 11,200 SH DEFINED 2 11,200
MICROSOFT CORPORATION COM 594918104 6,379 87,378 SH DEFINED 1 82,253 5,125
MICROSOFT CORPORATION COM 594918104 463 6,348 SH DEFINED 1 4,293 370 1,685
MICROSOFT CORPORATION COM 594918104 1,967 26,942 SH DEFINED 26,942
MICROSOFT CORPORATION COM 594918104 50 690 SH DEFINED 690
MID-AMERICAN APARTMENT COM 59522J103 38 1,500 SH DEFINED 1 1,500
MID-AMERICAN APARTMENT COM 59522J103 179 7,000 SH DEFINED 1 7,000
MINNESOTA MINING & MANU COM 604059105 382 3,350 SH DEFINED 2 3,350
MINNESOTA MINING & MANU COM 604059105 297 2,600 SH DEFINED 2 2,600
MINNESOTA MINING & MANU COM 604059105 988 8,661 SH DEFINED 1 8,661
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MIRANT CORPORATION COM 604675108 235 6,830 SH DEFINED 2 6,830
MIRANT CORPORATION COM 604675108 175 5,101 SH DEFINED 2 5,101
MIRANT CORPORATION COM 604675108 1,811 52,651 SH DEFINED 1 52,254 397
MIRANT CORPORATION COM 604675108 179 5,201 SH DEFINED 1 3,219 1,982
MIRANT CORPORATION COM 604675108 134 3,891 SH DEFINED 3,891
MIRANT CORPORATION COM 604675108 79 2,305 SH DEFINED 2,305
MORGAN STANLEY DEAN WIT COM 617446448 308 4,803 SH DEFINED 1 4,428 375
MORGAN STANLEY DEAN WIT COM 617446448 1,158 18,035 SH DEFINED 18,035
MORGAN STANLEY DEAN WIT COM 617446448 2 25 SH DEFINED 25
MOTOROLA, INC COM 620076109 226 13,672 SH DEFINED 2 13,672
MOTOROLA, INC COM 620076109 172 10,400 SH DEFINED 2 10,100 300
MOTOROLA, INC COM 620076109 3,104 187,422 SH DEFINED 1 185,997 1,425
MOTOROLA, INC COM 620076109 9 519 SH DEFINED 1 354 165
MOTOROLA, INC COM 620076109 389 23,480 SH DEFINED 23,480
MOTOROLA, INC COM 620076109 12 725 SH DEFINED 725
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NASDAQ 100 TRUST UNIT S COM 631100104 1 20 SH DEFINED 1 20
NASDAQ 100 TRUST UNIT S COM 631100104 271 5,940 SH DEFINED 1 5,940
NOKIA CORP-SPONSORED AM COM 654902204 262 11,870 SH DEFINED 1 11,870
NOKIA CORP-SPONSORED AM COM 654902204 13 610 SH DEFINED 1 610
NORFOLK SOUTHERN CORPOR COM 655844108 256 12,353 SH DEFINED 1 12,353
NORFOLK SOUTHERN CORPOR COM 655844108 149 7,200 SH DEFINED 1 4,200 3,000
NORFOLK SOUTHERN CORPOR COM 655844108 599 28,932 SH DEFINED 28,932
NORTEL NETWORKS CORP. N COM 656568102 83 9,110 SH DEFINED 2 9,110
NORTEL NETWORKS CORP. N COM 656568102 85 9,350 SH DEFINED 2 6,000 3,350
NORTEL NETWORKS CORP. N COM 656568102 421 46,299 SH DEFINED 1 46,149 150
NORTEL NETWORKS CORP. N COM 656568102 26 2,836 SH DEFINED 1 770 765 1,301
ORACLE CORPORATION COM 68389X105 881 46,380 SH DEFINED 2 46,380
ORACLE CORPORATION COM 68389X105 270 14,200 SH DEFINED 2 7,600 6,600
ORACLE CORPORATION COM 68389X105 7,062 371,678 SH DEFINED 1 360,743 10,935
ORACLE CORPORATION COM 68389X105 751 39,549 SH DEFINED 1 25,465 10,022 4,062
ORACLE CORPORATION COM 68389X105 1,031 54,259 SH DEFINED 52,614 1,645
ORACLE CORPORATION COM 68389X105 2 100 SH DEFINED 100
PAB BANKSHARES, INC. COM 69313P101 1,058 97,092 SH DEFINED 1 96,942 150
PPG INDUSTRIES, INC COM 693506107 84 1,600 SH DEFINED 2 1,600
PPG INDUSTRIES, INC COM 693506107 216 4,100 SH DEFINED 2 4,100
PPG INDUSTRIES, INC COM 693506107 336 6,400 SH DEFINED 1 6,400
PPG INDUSTRIES, INC COM 693506107 210 4,000 SH DEFINED 1 4,000
PEPSICO, INC. COM 713448108 950 21,488 SH DEFINED 2 21,488
PEPSICO, INC. COM 713448108 252 5,700 SH DEFINED 2 5,700
PEPSICO, INC. COM 713448108 143 3,232 SH DEFINED 1 3,232
PEPSICO, INC. COM 713448108 292 6,600 SH DEFINED 1 6,000 600
PEPSICO, INC. COM 713448108 678 15,350 SH DEFINED 15,350
PEPSICO, INC. COM 713448108 19 420 SH DEFINED 420
PFIZER INC COM 717081103 2,269 56,654 SH DEFINED 2 56,654
PFIZER INC COM 717081103 468 11,680 SH DEFINED 2 9,580 2,100
PFIZER INC COM 717081103 5,422 135,382 SH DEFINED 1 130,642 4,740
PFIZER INC COM 717081103 964 24,062 SH DEFINED 1 14,007 7,241 2,814
PFIZER INC COM 717081103 4,017 100,310 SH DEFINED 99,710 600
PFIZER INC COM 717081103 88 2,188 SH DEFINED 2,188
PHARMACIA CORPORATION COM 71713U102 384 8,349 SH DEFINED 2 8,349
PHARMACIA CORPORATION COM 71713U102 46 1,000 SH DEFINED 2 1,000
PHARMACIA CORPORATION COM 71713U102 308 6,700 SH DEFINED 6,700
PHILIP MORRIS COMPANIES COM 718154107 2,192 43,200 SH DEFINED 2 43,200
PHILIP MORRIS COMPANIES COM 718154107 505 9,953 SH DEFINED 2 400 9,553
PHILIP MORRIS COMPANIES COM 718154107 194 3,820 SH DEFINED 1 3,820
PHILIP MORRIS COMPANIES COM 718154107 259 5,100 SH DEFINED 1 300 4,800
PREPAID LEGAL SERVICES COM 740065107 536 24,369 SH DEFINED 1 24,369
PRICE T ROWE GROUP INCO COM 74144T108 7 200 SH DEFINED 2 200
PRICE T ROWE GROUP INCO COM 74144T108 236 6,300 SH DEFINED 2 6,300
PRICE T ROWE GROUP INCO COM 74144T108 253 6,774 SH DEFINED 6,774
PROCTOR & GAMBLE COM 742718109 1,791 28,069 SH DEFINED 2 28,069
PROCTOR & GAMBLE COM 742718109 408 6,400 SH DEFINED 2 1,000 5,400
PROCTOR & GAMBLE COM 742718109 2,880 45,148 SH DEFINED 1 44,498 650
PROCTOR & GAMBLE COM 742718109 19 300 SH DEFINED 1 300
PROCTOR & GAMBLE COM 742718109 886 13,881 SH DEFINED 13,881
PROCTOR & GAMBLE COM 742718109 23 360 SH DEFINED 360
PROGRESS ENERGY INC COM 743263105 247 5,498 SH DEFINED 1 5,498
PROGRESS ENERGY INC COM 743263105 63 1,399 SH DEFINED 1 1,399
PROGRESS ENERGY INC COM 743263105 176 3,915 SH DEFINED 3,915
PROGRESS ENERGY INC COM 743263105 117 2,600 SH DEFINED 600 2,000
PROVIDIAN FINANCIAL COR COM 74406A102 15 250 SH DEFINED 2 250
PROVIDIAN FINANCIAL COR COM 74406A102 302 5,100 SH DEFINED 2 5,100
PROVIDIAN FINANCIAL COR COM 74406A102 226 3,818 SH DEFINED 1 3,818
PROVIDIAN FINANCIAL COR COM 74406A102 648 10,952 SH DEFINED 10,952
QWEST COMMUNICATIONS, I COM 749121109 204 6,410 SH DEFINED 1 5,410 1,000
QWEST COMMUNICATIONS, I COM 749121109 200 6,262 SH DEFINED 1 6,262
REGIONS FINANCIAL CORP COM 758940100 1,613 50,402 SH DEFINED 1 50,402
RELIANT ENERGY INC. COM 75952J108 1,826 56,700 SH DEFINED 1 56,700
RELIANT ENERGY INC. COM 75952J108 5 160 SH DEFINED 1 160
ROUSE COMPANY COM 779273101 2,166 75,587 SH DEFINED 2 75,587
ROYAL DUTCH PETROLEUM C COM 780257804 152 2,600 SH DEFINED 2 2,600
ROYAL DUTCH PETROLEUM C COM 780257804 303 5,200 SH DEFINED 2 5,200
ROYAL DUTCH PETROLEUM C COM 780257804 290 4,970 SH DEFINED 1 4,970
ROYAL DUTCH PETROLEUM C COM 780257804 256 4,400 SH DEFINED 1 4,400
SBC COMMUNICATIONS, INC COM 78387G103 2,185 54,549 SH DEFINED 2 54,349 200
SBC COMMUNICATIONS, INC COM 78387G103 367 9,173 SH DEFINED 2 300 8,873
SBC COMMUNICATIONS, INC COM 78387G103 4,167 104,025 SH DEFINED 1 99,790 4,235
SBC COMMUNICATIONS, INC COM 78387G103 921 22,995 SH DEFINED 1 12,458 8,843 1,694
SBC COMMUNICATIONS, INC COM 78387G103 1,199 29,942 SH DEFINED 29,942
SBC COMMUNICATIONS, INC COM 78387G103 33 835 SH DEFINED 835
STRATEGIC TECHNOLOGIES, COM 786991109 0 38,000 SH DEFINED 1 38,000
ST PAUL COMPANIES, INC. COM 792860108 237 4,666 SH DEFINED 1 4,666
SARA LEE CORPORATION COM 803111103 222 11,727 SH DEFINED 2 11,727
SARA LEE CORPORATION COM 803111103 80 4,200 SH DEFINED 2 4,200
SARA LEE CORPORATION COM 803111103 2,642 139,516 SH DEFINED 1 139,516
SARA LEE CORPORATION COM 803111103 297 15,695 SH DEFINED 1 8,000 7,695
SCHERING PLOUGH CORP. COM 806605101 614 16,950 SH DEFINED 2 16,950
SCHERING PLOUGH CORP. COM 806605101 210 5,800 SH DEFINED 2 5,800
SCHERING PLOUGH CORP. COM 806605101 2,802 77,313 SH DEFINED 1 77,313
SCHERING PLOUGH CORP. COM 806605101 870 24,000 SH DEFINED 1 6,000 18,000
SCHERING PLOUGH CORP. COM 806605101 1,363 37,600 SH DEFINED 37,600
SCHLUMBERGER LTD COM 806857108 511 9,712 SH DEFINED 2 9,712
SCHLUMBERGER LTD COM 806857108 137 2,600 SH DEFINED 2 200 2,400
SCHLUMBERGER LTD COM 806857108 2,833 53,800 SH DEFINED 1 53,675 125
SCHLUMBERGER LTD COM 806857108 29 545 SH DEFINED 1 545
SCHLUMBERGER LTD COM 806857108 583 11,079 SH DEFINED 10,693 386
SCHLUMBERGER LTD COM 806857108 82 1,565 SH DEFINED 1,565
SCHOLASTIC CORPORATION COM 807066105 365 8,102 SH DEFINED 1 8,102
SCIENTIFIC ATLANTA, INC COM 808655104 1,927 47,460 SH DEFINED 1 47,460
SEARS ROEBUCK & CO COM 812387108 239 5,651 SH DEFINED 5,651
SERVICEMASTER CO COM 81760N109 592 49,333 SH DEFINED 1 49,333
SHONEYS,INC. COM 825039100 347 503,100 SH DEFINED 1 503,100
SHONEYS,INC. COM 825039100 1 1,080 SH DEFINED 1 1,080
SONOCO PRODUCTS COMPANY COM 835495102 278 11,180 SH DEFINED 11,180
SOUTHERN COMPANY COM 842587107 433 18,609 SH DEFINED 2 18,609
SOUTHERN COMPANY COM 842587107 299 12,840 SH DEFINED 2 12,840
SOUTHERN COMPANY COM 842587107 3,529 151,797 SH DEFINED 1 150,797 1,000
SOUTHERN COMPANY COM 842587107 304 13,090 SH DEFINED 1 8,100 4,990
SOUTHERN COMPANY COM 842587107 539 23,204 SH DEFINED 23,204
SOUTHERN COMPANY COM 842587107 135 5,800 SH DEFINED 5,800
SOUTHTRUST CORPORATION COM 844730101 213 8,200 SH DEFINED 2 8,200
SOUTHTRUST CORPORATION COM 844730101 520 20,000 SH DEFINED 2 20,000
SOUTHTRUST CORPORATION COM 844730101 642 24,691 SH DEFINED 1 24,691
SOUTHTRUST CORPORATION COM 844730101 350 13,446 SH DEFINED 1 13,446
SPRINGWOOD RES INC COM 851903104 0 30,000 SH DEFINED 2 30,000
SPRINT, CORP COM 852061100 106 4,950 SH DEFINED 2 4,950
SPRINT, CORP COM 852061100 118 5,540 SH DEFINED 2 4,700 840
SPRINT, CORP COM 852061100 2,031 95,084 SH DEFINED 1 90,984 4,100
SPRINT, CORP COM 852061100 171 8,000 SH DEFINED 1 8,000
SPRINT CORPORATION SERI COM 852061506 238 9,848 SH DEFINED 1 8,528 1,320
SPRINT CORPORATION SERI COM 852061506 97 4,000 SH DEFINED 1 4,000
STEELCASE INC. CLASS B COM 858155401 219 12,857 SH DEFINED 12,857
SUMMIT BANK CORPORATION COM 866013105 302 18,000 SH DEFINED 1 18,000
SUN MICROSYSTEMS, INC. COM 866810104 540 34,334 SH DEFINED 2 33,934 400
SUN MICROSYSTEMS, INC. COM 866810104 182 11,575 SH DEFINED 2 6,300 4,475 800
SUN MICROSYSTEMS, INC. COM 866810104 1,803 114,687 SH DEFINED 1 113,937 750
SUN MICROSYSTEMS, INC. COM 866810104 69 4,408 SH DEFINED 1 3,812 596
SUN MICROSYSTEMS, INC. COM 866810104 1,602 101,927 SH DEFINED 101,927
SUN MICROSYSTEMS, INC. COM 866810104 96 6,100 SH DEFINED 6,100
SUNTRUST BANKS INC COM 867914103 1,699 26,222 SH DEFINED 2 26,222
SUNTRUST BANKS INC COM 867914103 458 7,072 SH DEFINED 2 3,500 3,140 432
SUNTRUST BANKS INC COM 867914103 15,085 232,865 SH DEFINED 1 232,865
SUNTRUST BANKS INC COM 867914103 388 5,996 SH DEFINED 1 1,000 4,996
SYNOVUS FINANCIAL CORP. COM 87161C105 27,953 890,795 SH DEFINED 1 16,950 722,222 151,623
SYNOVUS FINANCIAL CORP. COM 87161C105 1,093,154 34,836,018 SH DEFINED 1 34,068,046 37,150 730,822
SYNOVUS FINANCIAL CORP. COM 87161C105 809 25,771 SH DEFINED 2 25,771
SYNOVUS FINANCIAL CORP. COM 87161C105 20,867 664,970 SH DEFINED 2 512,215 152,755
SYNOVUS FINANCIAL CORP. COM 87161C105 8,438 268,900 SH DEFINED 50,702 161,886 56,312
SYNOVUS FINANCIAL CORP. COM 87161C105 9,939 316,742 SH DEFINED 316,742
SYSCO CORP COM 871829107 257 9,450 SH DEFINED 1 9,450
TECO ENERGY INC. COM 872375100 570 18,680 SH DEFINED 2 18,680
TECO ENERGY INC. COM 872375100 223 7,300 SH DEFINED 2 7,300
TARGET CORP COM 87612E106 336 9,698 SH DEFINED 2 9,698
TARGET CORP COM 87612E106 602 17,400 SH DEFINED 2 9,600 7,800
TARGET CORP COM 87612E106 3,626 104,790 SH DEFINED 1 103,470 1,320
TARGET CORP COM 87612E106 7 205 SH DEFINED 1 205
TARGET CORP COM 87612E106 915 26,431 SH DEFINED 26,431
TARGET CORP COM 87612E106 15 425 SH DEFINED 425
TELLABS, INC. DELEWARE COM 879664100 1,274 65,735 SH DEFINED 1 65,335 400
TELLABS, INC. DELEWARE COM 879664100 29 1,480 SH DEFINED 1 1,480
TELLABS, INC. DELEWARE COM 879664100 312 16,087 SH DEFINED 16,087
TELLABS, INC. DELEWARE COM 879664100 5 250 SH DEFINED 250
TEXACO INC COM 881694103 212 3,183 SH DEFINED 2 3,183
TEXACO INC COM 881694103 127 1,900 SH DEFINED 2 1,900
TEXACO INC COM 881694103 434 6,514 SH DEFINED 1 6,439 75
TEXACO INC COM 881694103 93 1,400 SH DEFINED 1 200 1,200
TEXACO INC COM 881694103 519 7,799 SH DEFINED 7,799
TEXACO INC COM 881694103 62 925 SH DEFINED 600 325
TEXAS INSTRUMENTS INC COM 882508104 543 17,225 SH DEFINED 2 17,225
TEXAS INSTRUMENTS INC COM 882508104 227 7,200 SH DEFINED 2 6,800 400
TEXAS INSTRUMENTS INC COM 882508104 4,090 129,850 SH DEFINED 1 128,250 1,600
TEXAS INSTRUMENTS INC COM 882508104 38 1,191 SH DEFINED 1 1,191
TEXAS INSTRUMENTS INC COM 882508104 419 13,304 SH DEFINED 12,270 1,034
TORCHMARK CORPORATION COM 891027104 322 8,008 SH DEFINED 2 8,008
TOTAL SYSTEM SERVICES, COM 891906109 6,796 239,310 SH DEFINED 1 232,440 6,870
TOTAL SYSTEM SERVICES, COM 891906109 37,149 1,308,073 SH DEFINED 1 1,268,522 39,551
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TYCO INTERNATIONAL LIMI COM 902124106 371 6,800 SH DEFINED 2 6,800
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U S BANCORP DEL COM COM 902973304 680 29,839 SH DEFINED 1 29,839
U S BANCORP DEL COM COM 902973304 119 5,239 SH DEFINED 1 4,560 679
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UNITED TECHNOLOGIES COR COM 913017109 88 1,200 SH DEFINED 2 1,200
UNITED TECHNOLOGIES COR COM 913017109 3,862 52,714 SH DEFINED 1 52,714
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VIVENDI UNIVERSAL SPONS COM 92851S204 186 3,215 SH DEFINED 2 3,215
VODAFONE GROUP PLC SPON COM 92857W100 390 17,457 SH DEFINED 1 17,457
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WACHOVIA CORPORATION COM 929771103 189 2,662 SH DEFINED 2 2,662
WACHOVIA CORPORATION COM 929771103 349 4,900 SH DEFINED 2 4,200 700
WACHOVIA CORPORATION COM 929771103 3,091 43,441 SH DEFINED 1 43,016 425
WACHOVIA CORPORATION COM 929771103 399 5,606 SH DEFINED 1 672 4,934
WAL-MART STORES, INC. COM 931142103 3,176 65,082 SH DEFINED 2 64,782 300
WAL-MART STORES, INC. COM 931142103 639 13,100 SH DEFINED 2 5,200 7,900
WAL-MART STORES, INC. COM 931142103 4,748 97,301 SH DEFINED 1 97,301
WAL-MART STORES, INC. COM 931142103 786 16,101 SH DEFINED 1 7,185 7,696 1,220
WAL-MART STORES, INC. COM 931142103 2,485 50,914 SH DEFINED 50,914
WALGREEN COMPANY COM 931422109 350 10,260 SH DEFINED 2 10,260
WALGREEN COMPANY COM 931422109 85 2,500 SH DEFINED 2 2,500
WASHINGTON MUTUAL, INC. COM 939322103 34 900 SH DEFINED 2 900
WASHINGTON MUTUAL, INC. COM 939322103 260 6,925 SH DEFINED 2 6,925
WELLPOINT HEALTH NETWOR COM 94973H108 3,387 35,940 SH DEFINED 1 35,940
WELLS FARGO & COMPANY N COM 949746101 221 4,750 SH DEFINED 2 4,750
WELLS FARGO & COMPANY N COM 949746101 95 2,050 SH DEFINED 2 2,050
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WEYERHAEUSER CO COM 962166104 126 2,286 SH DEFINED 1 330 325 1,631
WINN-DIXIE STORES, INC. COM 974280109 255 9,776 SH DEFINED 2 9,776
WINN-DIXIE STORES, INC. COM 974280109 836 31,996 SH DEFINED 2 31,996
WINN-DIXIE STORES, INC. COM 974280109 886 33,890 SH DEFINED 1 33,890
WINN-DIXIE STORES, INC. COM 974280109 135 5,159 SH DEFINED 5,159
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WISCONSIN ENERGY CORP COM 976657106 201 8,450 SH DEFINED 1 8,450
WORLDCOM INC. GA NEW COM 98157D106 338 23,775 SH DEFINED 2 23,275 500
WORLDCOM INC. GA NEW COM 98157D106 232 16,321 SH DEFINED 2 8,300 8,021
WORLDCOM INC. GA NEW COM 98157D106 1,768 124,514 SH DEFINED 1 122,614 1,900
WORLDCOM INC. GA NEW COM 98157D106 5 345 SH DEFINED 1 345
WORLDCOM INC. GA NEW COM 98157D106 413 29,101 SH DEFINED 29,101
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XILINX INC COM 983919101 111 2,700 SH DEFINED 2 2,700
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