UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    Form 13F

                               Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: March 31, 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                    May 10, 2001
[Signature]                  [City, State]                          [Date]

As the institutional investment manager filing this report is a bank holding
company and as all securities covered by this report are held by subsidiaries
of the holding company, DEFINED investment discretion is reported in Column 6
for each of the securities included in this Form 13F. Previous Forms 13F filed
by the institutional investment manager filing this report have incorrectly
reported SOLE investment discretion in Column 6 for certain assets.

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:            549

Form 13F Information Table Value Total:      2,082,420
                                           (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)




                     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      5,355      194,436   SH      DEFINED       1       26,582         167,854
AFLAC, INCORPORATED   COM    001055102     22,144      804,070   SH      DEFINED       1      800,780                        3,290
AOL TIME WARNER, IN   COM    00184A105        311        7,750   SH      DEFINED       1        6,210                        1,540
AOL TIME WARNER, IN   COM    00184A105        414       10,316   SH      DEFINED       1        8,316                        2,000
AOL TIME WARNER, IN   COM    00184A105        300        7,483   SH      DEFINED                7,483
AT&T CORP             COM    001957109        411       19,316   SH      DEFINED       1       16,257           3,059
AT&T CORP             COM    001957109         40        1,860   SH      DEFINED                1,350             510
AT&T CORP             COM    001957109        367       17,221   SH      DEFINED       2       17,221
AT&T CORP             COM    001957109      2,813      132,056   SH      DEFINED       1      131,056                        1,000
AT&T CORP             COM    001957109        645       30,269   SH      DEFINED               29,402                          867
ABBOTT LABS           COM    002824100        123        2,600   SH      DEFINED       2        2,000             600
ABBOTT LABS           COM    002824100        160        3,400   SH      DEFINED       1        3,400
ABBOTT LABS           COM    002824100        406        8,608   SH      DEFINED       2        8,408                          200
ABBOTT LABS           COM    002824100        384        8,140   SH      DEFINED       1        7,940                          200
ABBOTT LABS           COM    002824100        705       14,930   SH      DEFINED               14,930
AGILENT TECHNOLOGIE   COM    00846U101         11          343   SH      DEFINED       1          108             235
AGILENT TECHNOLOGIE   COM    00846U101        268        8,722   SH      DEFINED       1        8,539                          183
AIR PRODUCTS & CHEM   COM    009158106      1,400       36,465   SH      DEFINED       1       36,465
ALCOA INC             COM    013817101        255        7,106   SH      DEFINED       1                        2,306        4,800
ALCOA INC             COM    013817101        596       16,575   SH      DEFINED       1       16,575
ALLSTATE CORPORATIO   COM    020002101        439       10,476   SH      DEFINED               10,476
ALLTEL CORPORATION    COM    020039103        352        6,711   SH      DEFINED       1        6,391                          320
ALLTEL CORPORATION    COM    020039103        291        5,546   SH      DEFINED                5,546
AMERICAN ELECTRIC P   COM    025537101         24          500   SH      DEFINED       2                          500
AMERICAN ELECTRIC P   COM    025537101        130        2,759   SH      DEFINED       1                        2,759
AMERICAN ELECTRIC P   COM    025537101        260        5,541   SH      DEFINED       2        5,541
AMERICAN ELECTRIC P   COM    025537101        254        5,400   SH      DEFINED       1        5,400
AMERICAN EXPRESS CO   COM    025816109        403        9,750   SH      DEFINED       1        3,000           2,100        4,650
AMERICAN EXPRESS CO   COM    025816109        551       13,331   SH      DEFINED       1       13,331
AMERICAN GENERAL AI   COM    026358994          0       13,000   SH      DEFINED       1       13,000
AMERICAN HOME PRODU   COM    026609107         24          400   SH      DEFINED       2                          400
AMERICAN HOME PRODU   COM    026609107        223        3,800   SH      DEFINED       1                        3,800
AMERICAN HOME PRODU   COM    026609107          1           25   SH      DEFINED                                   25
AMERICAN HOME PRODU   COM    026609107        497        8,460   SH      DEFINED       2        8,460
AMERICAN HOME PRODU   COM    026609107      5,706       97,123   SH      DEFINED       1       96,393                          730
AMERICAN HOME PRODU   COM    026609107        461        7,853   SH      DEFINED                7,853
AMERICAN INTERNATIO   COM    026874107        137        1,700   SH      DEFINED       2        1,500             200
AMERICAN INTERNATIO   COM    026874107         10          129   SH      DEFINED                                  129
AMERICAN INTERNATIO   COM    026874107        519        6,450   SH      DEFINED       2        6,450
AMERICAN INTERNATIO   COM    026874107      1,642       20,400   SH      DEFINED       1       20,175                          225
AMERICAN INTERNATIO   COM    026874107        579        7,194   SH      DEFINED                7,194
AMGEN INC             COM    031162100        301        5,000   SH      DEFINED       2        5,000
AMGEN INC             COM    031162100        742       12,334   SH      DEFINED       1       12,334
AMGEN INC             COM    031162100         91        1,520   SH      DEFINED                                1,520
AMGEN INC             COM    031162100        840       13,951   SH      DEFINED       1       13,951
AMGEN INC             COM    031162100        385        6,400   SH      DEFINED                6,400
AMSOUTH BANCORPORAT   COM    032165102        185       11,000   SH      DEFINED       1                       11,000
AMSOUTH BANCORPORAT   COM    032165102        404       24,034   SH      DEFINED                               24,034
AMSOUTH BANCORPORAT   COM    032165102          8          505   SH      DEFINED       1          505
AMSOUTH BANCORPORAT   COM    032165102         17        1,010   SH      DEFINED                1,010
ANHEUSER BUSCH COMP   COM    035229103         55        1,200   SH      DEFINED       2                                     1,200
ANHEUSER BUSCH COMP   COM    035229103        450        9,804   SH      DEFINED       1        8,000                        1,804
ANHEUSER BUSCH COMP   COM    035229103        367        8,000   SH      DEFINED       2        8,000
ANHEUSER BUSCH COMP   COM    035229103        169        3,690   SH      DEFINED       1        3,690
APPLIED MATERIALS I   COM    038222105        437       10,035   SH      DEFINED       1       10,035
ARCHER-DANIELS-MIDL   COM    039483102        277       21,050   SH      DEFINED       1       21,050
AUTOMATIC DATA PROC   COM    053015103        370        6,800   SH      DEFINED       2        6,300             500
AUTOMATIC DATA PROC   COM    053015103        239        4,400   SH      DEFINED       1                                     4,400
AUTOMATIC DATA PROC   COM    053015103        449        8,264   SH      DEFINED       2        8,264
AUTOMATIC DATA PROC   COM    053015103      2,775       51,037   SH      DEFINED       1       51,037
BB & T CORPORATION    COM    054937107        270        7,681   SH      DEFINED                                7,681
BB & T CORPORATION    COM    054937107        323        9,181   SH      DEFINED       1        7,701                        1,480
BB & T CORPORATION    COM    054937107         45        1,290   SH      DEFINED                1,290
BP AMOCO PLC SPONSO   COM    055622104        400        8,070   SH      DEFINED       2        8,070
BP AMOCO PLC SPONSO   COM    055622104        513       10,333   SH      DEFINED       1                        5,450        4,883
BP AMOCO PLC SPONSO   COM    055622104        389        7,832   SH      DEFINED                                7,832
BP AMOCO PLC SPONSO   COM    055622104        411        8,274   SH      DEFINED       2        8,274
BP AMOCO PLC SPONSO   COM    055622104      4,658       93,881   SH      DEFINED       1       91,673                        2,208
BP AMOCO PLC SPONSO   COM    055622104        229        4,610   SH      DEFINED                4,512                           98
BANK OF AMERICA COR   COM    060505104        795       14,528   SH      DEFINED       2          840          11,739        1,949
BANK OF AMERICA COR   COM    060505104        505        9,221   SH      DEFINED       1          168           5,236        3,817
BANK OF AMERICA COR   COM    060505104        609       11,124   SH      DEFINED                               11,124
BANK OF AMERICA COR   COM    060505104      1,043       19,052   SH      DEFINED       2       19,052
BANK OF AMERICA COR   COM    060505104      6,152      112,370   SH      DEFINED       1      109,356                        3,014
BANK OF AMERICA COR   COM    060505104      2,892       52,823   SH      DEFINED               52,823
BANK ONE CORPORATIO   COM    06423A103         33          912   SH      DEFINED       1                          912
BANK ONE CORPORATIO   COM    06423A103        488       13,489   SH      DEFINED       1       13,489
BANK OF SOUTH CAROL   COM    065066102        137       10,151   SH      DEFINED                               10,151
BAXTER INTERNATIONA   COM    071813109        122        1,300   SH      DEFINED       1                          500          800
BAXTER INTERNATIONA   COM    071813109      1,562       16,594   SH      DEFINED       1       16,594
BELLSOUTH CORPORATI   COM    079860102        323        7,900   SH      DEFINED       2        6,600           1,300
BELLSOUTH CORPORATI   COM    079860102      3,548       86,717   SH      DEFINED       1        5,691          77,602        3,424
BELLSOUTH CORPORATI   COM    079860102        336        8,220   SH      DEFINED                2,400           5,820
BELLSOUTH CORPORATI   COM    079860102      2,734       66,806   SH      DEFINED       2       66,806
BELLSOUTH CORPORATI   COM    079860102      7,277      177,847   SH      DEFINED       1      173,137                        4,710
BELLSOUTH CORPORATI   COM    079860102        777       18,979   SH      DEFINED               18,799                          180
BERKSHIRE HATHAWAY,   COM    084670108      1,309           20   SH      DEFINED       1           20
BOLLINGER INDUSTRIE   COM    097676100          8       28,000   SH      DEFINED       1                                    28,000
BOLLINGER INDUSTRIE   COM    097676993         45      110,000   SH      DEFINED       1                                   110,000
BRANDERA.COM INC      COM    105261101          2       10,000   SH      DEFINED       1                       10,000
BRISTOL-MYERS SQUIB   COM    110122108      1,024       17,243   SH      DEFINED       1        7,650           6,668        2,925
BRISTOL-MYERS SQUIB   COM    110122108         71        1,200   SH      DEFINED                                1,200
BRISTOL-MYERS SQUIB   COM    110122108      1,761       29,647   SH      DEFINED       2       29,647
BRISTOL-MYERS SQUIB   COM    110122108      6,139      103,355   SH      DEFINED       1      102,155             700          500
BRISTOL-MYERS SQUIB   COM    110122108      1,901       32,007   SH      DEFINED               32,007
BUILDING MATERIALS    COM    120113105         98       10,000   SH      DEFINED       1       10,000
CENTURY SOUTH BANKS   COM    156683104        378       11,689   SH      DEFINED       1       11,689
CHEVRON CORPORATION   COM    166751107        439        5,000   SH      DEFINED       2        4,800             200
CHEVRON CORPORATION   COM    166751107        305        3,470   SH      DEFINED       1        2,622             848
CHEVRON CORPORATION   COM    166751107         53          600   SH      DEFINED                                  600
CHEVRON CORPORATION   COM    166751107      1,250       14,232   SH      DEFINED       2       14,232
CHEVRON CORPORATION   COM    166751107      4,114       46,854   SH      DEFINED       1       46,559                          295
CHEVRON CORPORATION   COM    166751107        266        3,029   SH      DEFINED                2,829                          200
CHUBB CORPORATION     COM    171232101        326        4,500   SH      DEFINED       2        4,500
CHUBB CORPORATION     COM    171232101      6,045       83,444   SH      DEFINED       1                        1,744       81,700
CHUBB CORPORATION     COM    171232101         25          350   SH      DEFINED       2          350
CHUBB CORPORATION     COM    171232101      1,524       21,039   SH      DEFINED       1       20,879                          160
CISCO SYSTEMS         COM    17275R102        117        7,400   SH      DEFINED       2        6,200           1,200
CISCO SYSTEMS         COM    17275R102        144        9,088   SH      DEFINED       1        3,698           5,390
CISCO SYSTEMS         COM    17275R102          3          183   SH      DEFINED                                  183
CISCO SYSTEMS         COM    17275R102        249       15,755   SH      DEFINED       2       15,755
CISCO SYSTEMS         COM    17275R102      1,942      122,812   SH      DEFINED       1      118,887                        3,925
CISCO SYSTEMS         COM    17275R102        931       58,902   SH      DEFINED               58,902
CITIGROUP INCORPORA   COM    172967101          9          200   SH      DEFINED       2                          200
CITIGROUP INCORPORA   COM    172967101      1,361       30,255   SH      DEFINED       1       10,669          19,313          273
CITIGROUP INCORPORA   COM    172967101         35          773   SH      DEFINED                                  773
CITIGROUP INCORPORA   COM    172967101        223        4,963   SH      DEFINED       2        4,963
CITIGROUP INCORPORA   COM    172967101      3,220       71,576   SH      DEFINED       1       69,894                        1,682
CITIGROUP INCORPORA   COM    172967101      1,004       22,313   SH      DEFINED               21,300                        1,013
CLOROX COMPANY        COM    189054109         19          596   SH      DEFINED       1                                       596
CLOROX COMPANY        COM    189054109        214        6,800   SH      DEFINED       1        6,800
COCA COLA COMPANY     COM    191216100      3,839       85,000   SH      DEFINED       2       85,000
COCA COLA COMPANY     COM    191216100     20,822      461,074   SH      DEFINED       1       31,117         421,877        8,080
COCA COLA COMPANY     COM    191216100         15          342   SH      DEFINED                                  342
COCA COLA COMPANY     COM    191216100     94,633    2,095,513   SH      DEFINED       2    1,996,753                       98,760
COCA COLA COMPANY     COM    191216100    364,741    8,076,639   SH      DEFINED       1    8,032,713                       43,926
COCA COLA COMPANY     COM    191216100      1,127       24,949   SH      DEFINED               24,949
COCA-COLA ENTERPRIS   COM    191219104      3,073      172,852   SH      DEFINED       1      172,852
COLGATE-PALMOLIVE C   COM    194162103        298        5,400   SH      DEFINED       2        5,400
COLGATE-PALMOLIVE C   COM    194162103          8          151   SH      DEFINED                                  151
COLGATE-PALMOLIVE C   COM    194162103        160        2,900   SH      DEFINED       2        2,900
COLGATE-PALMOLIVE C   COM    194162103      2,981       53,945   SH      DEFINED       1       53,945
COLGATE-PALMOLIVE C   COM    194162103        657       11,887   SH      DEFINED               11,887
COMPAQ COMPUTER COR   COM    204493100        110        6,060   SH      DEFINED       1        4,000           2,060
COMPAQ COMPUTER COR   COM    204493100      3,051      167,639   SH      DEFINED       1      166,851                          788
COMPASS BANCSHARES    COM    20449H109        602       28,147   SH      DEFINED                               28,147
CONOCO INCORPORATED   COM    208251306        281       10,000   SH      DEFINED       1       10,000
CONOCO CLASS B        COM    208251405      1,920       67,975   SH      DEFINED       1       67,975
CORPAS INVESTMENTS,   COM    21986N103          0       13,333   SH      DEFINED       1       13,333
COUSINS PROPERTIES    COM    222795106         75        3,000   SH      DEFINED       1        3,000
COUSINS PROPERTIES    COM    222795106        197        7,875   SH      DEFINED       1        7,875
DEVELOPERS-INVESTOR   COM    232990AA9        456      450,000   SH      DEFINED       1
DARDEN RESTAURANTS    COM    237194105        190        8,000   SH      DEFINED       1                        8,000
DARDEN RESTAURANTS    COM    237194105      1,058       44,552   SH      DEFINED       1       44,552
DELL COMPUTER CORPO   COM    247025109         36        1,400   SH      DEFINED       1        1,400
DELL COMPUTER CORPO   COM    247025109      2,351       91,524   SH      DEFINED       1       90,524                        1,000
WALT DISNEY COMPANY   COM    254687106        256        8,935   SH      DEFINED       1        7,000           1,935
WALT DISNEY COMPANY   COM    254687106         19          655   SH      DEFINED                                  655
WALT DISNEY COMPANY   COM    254687106      1,074       37,560   SH      DEFINED       2       37,560
WALT DISNEY COMPANY   COM    254687106      4,727      165,273   SH      DEFINED       1      164,548                          725
WALT DISNEY COMPANY   COM    254687106        476       16,652   SH      DEFINED               16,652
E. I. DUPONT DE NEM   COM    263534109        472       11,605   SH      DEFINED       1        6,100           5,505
E. I. DUPONT DE NEM   COM    263534109         21          525   SH      DEFINED                                  525
E. I. DUPONT DE NEM   COM    263534109      1,553       38,145   SH      DEFINED       1       37,805                          340
E. I. DUPONT DE NEM   COM    263534109      2,025       49,754   SH      DEFINED               49,754
DUKE ENERGY CORPORA   COM    264399106         34          800   SH      DEFINED       2                          800
DUKE ENERGY CORPORA   COM    264399106        462       10,800   SH      DEFINED       1        4,000           6,800
DUKE ENERGY CORPORA   COM    264399106         17          400   SH      DEFINED                                  400
DUKE ENERGY CORPORA   COM    264399106        350        8,200   SH      DEFINED       2        8,200
DUKE ENERGY CORPORA   COM    264399106        178        4,174   SH      DEFINED       1        4,174
DUKE ENERGY CORPORA   COM    264399106        697       16,314   SH      DEFINED               16,314
EMC CORP              COM    268648102        162        5,500   SH      DEFINED       2        5,000             500
EMC CORP              COM    268648102         22          760   SH      DEFINED       1          570             190
EMC CORP              COM    268648102        368       12,500   SH      DEFINED       2       12,500
EMC CORP              COM    268648102        322       10,967   SH      DEFINED       1       10,867                          100
EASTMAN KODAK CO.     COM    277461109        200        5,020   SH      DEFINED       1        4,000             300          720
EASTMAN KODAK CO.     COM    277461109         54        1,357   SH      DEFINED       1          733                          624
EL PASO CORPORATION   COM    28336L109         42          644   SH      DEFINED       1                                       644
EL PASO CORPORATION   COM    28336L109      3,715       56,890   SH      DEFINED       1       56,890
EL PASO CORPORATION   COM    28336L109        328        5,029   SH      DEFINED                5,029
ELECTRONIC DATA SYS   COM    285661104         22          400   SH      DEFINED       2          400
ELECTRONIC DATA SYS   COM    285661104         11          200   SH      DEFINED                                  200
ELECTRONIC DATA SYS   COM    285661104        368        6,586   SH      DEFINED       2        6,586
ELECTRONIC DATA SYS   COM    285661104      5,112       91,508   SH      DEFINED       1       88,198                        3,310
ELECTRONIC DATA SYS   COM    285661104        336        6,009   SH      DEFINED                6,009
EMERSON ELECTRIC CO   COM    291011104         28          450   SH      DEFINED       2                          450
EMERSON ELECTRIC CO   COM    291011104        186        3,000   SH      DEFINED       1        3,000
EMERSON ELECTRIC CO   COM    291011104        223        3,594   SH      DEFINED       2        3,594
EMERSON ELECTRIC CO   COM    291011104      3,881       62,592   SH      DEFINED       1       62,592
ENERGEN CORPORATION   COM    29265N108        812       23,000   SH      DEFINED                               23,000
ENERGEN CORPORATION   COM    29265N108         80        2,272   SH      DEFINED                2,272
ENRON CORPORATION     COM    293561106      2,964       51,019   SH      DEFINED               50,219                          800
EQUIFAX, INCORPORAT   COM    294429105        320       10,239   SH      DEFINED       1        6,239                        4,000
EQUIFAX, INCORPORAT   COM    294429105         56        1,800   SH      DEFINED       1        1,600                          200
EXXON MOBIL CORPORA   COM    30231G102        503        6,212   SH      DEFINED       2        5,056           1,156
EXXON MOBIL CORPORA   COM    30231G102      3,138       38,741   SH      DEFINED       1        3,435          30,314        4,992
EXXON MOBIL CORPORA   COM    30231G102        237        2,920   SH      DEFINED                                2,920
EXXON MOBIL CORPORA   COM    30231G102      4,838       59,729   SH      DEFINED       2       59,529                          200
EXXON MOBIL CORPORA   COM    30231G102     11,745      144,997   SH      DEFINED       1      143,073                        1,924
EXXON MOBIL CORPORA   COM    30231G102      7,121       87,910   SH      DEFINED               87,510                          400
FANNIE MAE            COM    313586109        275        3,450   SH      DEFINED       2        3,000             450
FANNIE MAE            COM    313586109        271        3,403   SH      DEFINED       1          420           2,800          183
FANNIE MAE            COM    313586109         11          141   SH      DEFINED                                  141
FANNIE MAE            COM    313586109        159        2,000   SH      DEFINED       2        2,000
FANNIE MAE            COM    313586109      7,038       88,423   SH      DEFINED       1       88,073                          350
FANNIE MAE            COM    313586109        571        7,179   SH      DEFINED                7,179
FIRST FINANCIAL HOL   COM    320239106        267       13,326   SH      DEFINED                               13,326
FIRST FINANCIAL HOL   COM    320239106         20        1,000   SH      DEFINED                1,000
FIRST TENNESSEE NAT   COM    337162101        610       19,744   SH      DEFINED       1                       19,744
FIRST UNION CORPORA   COM    337358105        363       11,000   SH      DEFINED       2                       11,000
FIRST UNION CORPORA   COM    337358105        852       25,808   SH      DEFINED       1        5,000          20,808
FIRST UNION CORPORA   COM    337358105        910       27,583   SH      DEFINED       1       27,583
FLEETBOSTON FINANCI   COM    339030108         65        1,730   SH      DEFINED       1                          900          830
FLEETBOSTON FINANCI   COM    339030108          2           50   SH      DEFINED                                   50
FLEETBOSTON FINANCI   COM    339030108      3,904      103,421   SH      DEFINED       1      103,246                          175
FLEETBOSTON FINANCI   COM    339030108        247        6,545   SH      DEFINED                6,545
FORD MOTOR COMPANY    COM    345370860         94        3,330   SH      DEFINED       1                        3,330
FORD MOTOR COMPANY    COM    345370860          7          265   SH      DEFINED                                  265
FORD MOTOR COMPANY    COM    345370860      4,070      144,720   SH      DEFINED       1      143,619                        1,101
FORD MOTOR COMPANY    COM    345370860        289       10,279   SH      DEFINED               10,279
GPU INCORPORATED      COM    36225X100         29          900   SH      DEFINED       2          900
GPU INCORPORATED      COM    36225X100        172        5,300   SH      DEFINED       2        5,300
GENENTECH, INC        COM    368710406        152        3,000   SH      DEFINED       2        3,000
GENENTECH, INC        COM    368710406         51        1,000   SH      DEFINED       2        1,000
GENERAL DYNAMICS CO   COM    369550108        100        1,590   SH      DEFINED       1                                     1,590
GENERAL DYNAMICS CO   COM    369550108        126        2,013   SH      DEFINED       1          645                        1,368
GENERAL ELECTRIC CO   COM    369604103      1,356       32,400   SH      DEFINED       2       27,000           5,400
GENERAL ELECTRIC CO   COM    369604103      7,085      169,244   SH      DEFINED       1       27,055         105,588       36,601
GENERAL ELECTRIC CO   COM    369604103        142        3,394   SH      DEFINED                2,400             994
GENERAL ELECTRIC CO   COM    369604103      6,971      166,543   SH      DEFINED       2      166,343                          200
GENERAL ELECTRIC CO   COM    369604103     15,718      375,494   SH      DEFINED       1      353,977                       21,517
GENERAL ELECTRIC CO   COM    369604103      5,039      120,378   SH      DEFINED              117,978                        2,400
GENERAL MILLS, INC.   COM    370334104      1,034       24,038   SH      DEFINED       1                       24,038
GENERAL MILLS, INC.   COM    370334104      7,272      169,075   SH      DEFINED       1      169,075
GENERAL MOTORS CORP   COM    370442105         82        1,588   SH      DEFINED       1          190             800          598
GENERAL MOTORS CORP   COM    370442105        161        3,108   SH      DEFINED       1        3,108
GENERAL MOTORS CORP   COM    370442105        249        4,802   SH      DEFINED                4,802
GENUINE PARTS COMPA   COM    372460105        114        4,386   SH      DEFINED       1        1,686           2,700
GENUINE PARTS COMPA   COM    372460105      1,146       44,234   SH      DEFINED       1       44,234
GILLETTE CO           COM    375766102        106        3,400   SH      DEFINED       2        3,200             200
GILLETTE CO           COM    375766102        511       16,393   SH      DEFINED       1        5,000           8,193        3,200
GILLETTE CO           COM    375766102        134        4,290   SH      DEFINED       2        4,290
GILLETTE CO           COM    375766102        100        3,224   SH      DEFINED       1        2,524                          700
GLAXO WELLCOME PLC    COM    37733W105        273        5,218   SH      DEFINED       2        4,324             894
GLAXO WELLCOME PLC    COM    37733W105        250        4,779   SH      DEFINED       2        4,779
GOLDFIELD CORP(NEVA   COM    381370105         77      150,000   SH      DEFINED              150,000
HCA-THE HEALTHCARE    COM    404119109      1,276       31,685   SH      DEFINED       1       31,685
HALLIBURTON COMPANY   COM    406216101        249        6,776   SH      DEFINED       1        6,776
H J HEINZ COMPANY     COM    423074103          8          200   SH      DEFINED       2                          200
H J HEINZ COMPANY     COM    423074103        219        5,450   SH      DEFINED       1        3,000           2,450
H J HEINZ COMPANY     COM    423074103        297        7,400   SH      DEFINED       2        7,400
H J HEINZ COMPANY     COM    423074103         38          935   SH      DEFINED       1          935
HERSHEY FOODS CORP    COM    427866108        139        2,000   SH      DEFINED       1        2,000
HERSHEY FOODS CORP    COM    427866108         62          900   SH      DEFINED       1          900
HERSHEY FOODS CORP    COM    427866108        222        3,200   SH      DEFINED                3,200
HEWLETT PACKARD CO    COM    428236103         63        2,000   SH      DEFINED       2        1,600             400
HEWLETT PACKARD CO    COM    428236103         57        1,810   SH      DEFINED       1          194           1,236          380
HEWLETT PACKARD CO    COM    428236103         15          474   SH      DEFINED                                  474
HEWLETT PACKARD CO    COM    428236103        535       17,100   SH      DEFINED       2       16,800                          300
HEWLETT PACKARD CO    COM    428236103      3,928      125,616   SH      DEFINED       1      124,431                        1,185
HEWLETT PACKARD CO    COM    428236103        838       26,787   SH      DEFINED               26,787
HOME DEPOT INCORPOR   COM    437076102        504       11,690   SH      DEFINED       2       11,150             540
HOME DEPOT INCORPOR   COM    437076102        322        7,471   SH      DEFINED       1        2,370           3,135        1,966
HOME DEPOT INCORPOR   COM    437076102         44        1,011   SH      DEFINED                                1,011
HOME DEPOT INCORPOR   COM    437076102        472       10,951   SH      DEFINED       2       10,951
HOME DEPOT INCORPOR   COM    437076102      6,059      140,573   SH      DEFINED       1      137,473                        3,100
HOME DEPOT INCORPOR   COM    437076102      1,315       30,509   SH      DEFINED               29,702                          807
HONEYWELL INTERNATI   COM    438516106         28          692   SH      DEFINED       1          552             140
HONEYWELL INTERNATI   COM    438516106      1,022       25,054   SH      DEFINED       1       23,884                        1,170
HOUSEHOLD INTERNATI   COM    441815107         89        1,500   SH      DEFINED       1                        1,500
HOUSEHOLD INTERNATI   COM    441815107        140        2,364   SH      DEFINED       1        2,364
ILLINOIS TOOL WORKS   COM    452308109        313        5,500   SH      DEFINED       2        5,200             300
ILLINOIS TOOL WORKS   COM    452308109         15          265   SH      DEFINED                                  265
ILLINOIS TOOL WORKS   COM    452308109        156        2,750   SH      DEFINED       2        2,650                          100
ILLINOIS TOOL WORKS   COM    452308109        338        5,947   SH      DEFINED                5,947
INTEL CORPORATION     COM    458140100        589       22,400   SH      DEFINED       2       21,400           1,000
INTEL CORPORATION     COM    458140100        586       22,261   SH      DEFINED       1        1,184          19,116        1,961
INTEL CORPORATION     COM    458140100        145        5,500   SH      DEFINED                                5,500
INTEL CORPORATION     COM    458140100      1,529       58,100   SH      DEFINED       2       57,800                          300
INTEL CORPORATION     COM    458140100      5,787      219,920   SH      DEFINED       1      206,212                       13,708
INTEL CORPORATION     COM    458140100      1,050       39,914   SH      DEFINED               39,914
INTERNATIONAL BUSIN   COM    459200101        451        4,693   SH      DEFINED       2        4,693
INTERNATIONAL BUSIN   COM    459200101        560        5,823   SH      DEFINED       1        1,200             695        3,928
INTERNATIONAL BUSIN   COM    459200101          7           74   SH      DEFINED                                   74
INTERNATIONAL BUSIN   COM    459200101        411        4,269   SH      DEFINED       2        4,269
INTERNATIONAL BUSIN   COM    459200101      6,276       65,257   SH      DEFINED       1       62,942                        2,315
INTERNATIONAL BUSIN   COM    459200101        714        7,424   SH      DEFINED                6,099                        1,325
INTERNATIONAL PAPER   COM    460146103        304        8,426   SH      DEFINED       1        7,426           1,000
INTERNATIONAL PAPER   COM    460146103         51        1,420   SH      DEFINED       1        1,420
INTUIT INC            COM    461202103        500       18,000   SH      DEFINED       1       18,000
J P MORGAN CHASE &    COM    46625H100        384        8,550   SH      DEFINED       1        8,550
J P MORGAN CHASE &    COM    46625H100          7          155   SH      DEFINED                                  155
J P MORGAN CHASE &    COM    46625H100        577       12,847   SH      DEFINED       1       12,847
J P MORGAN CHASE &    COM    46625H100        245        5,448   SH      DEFINED                5,295                          153
JOHNSON & JOHNSON     COM    478160104         17          200   SH      DEFINED       2          200
JOHNSON & JOHNSON     COM    478160104      3,717       42,489   SH      DEFINED       1                       41,707          782
JOHNSON & JOHNSON     COM    478160104         23          265   SH      DEFINED                                  265
JOHNSON & JOHNSON     COM    478160104        265        3,025   SH      DEFINED       2        3,025
JOHNSON & JOHNSON     COM    478160104      8,043       91,949   SH      DEFINED       1       91,949
JOHNSON & JOHNSON     COM    478160104        955       10,921   SH      DEFINED               10,921
KELLOGG COMPANY       COM    487836108        804       29,752   SH      DEFINED       1       29,752
KIMBERLY CLARK CORP   COM    494368103         83        1,224   SH      DEFINED       2          200             400          624
KIMBERLY CLARK CORP   COM    494368103         83        1,230   SH      DEFINED       1                        1,230
KIMBERLY CLARK CORP   COM    494368103          8          120   SH      DEFINED                                  120
KIMBERLY CLARK CORP   COM    494368103        319        4,700   SH      DEFINED       2        4,700
KIMBERLY CLARK CORP   COM    494368103      4,953       73,016   SH      DEFINED       1       72,416                          600
KIMBERLY CLARK CORP   COM    494368103        255        3,761   SH      DEFINED                3,287                          474
KINDER MORGAN EGY P   COM    494550106        391        6,200   SH      DEFINED       1        6,200
LEHMAN BROTHERS HOL   COM    524908100         58          920   SH      DEFINED       1          920
LEHMAN BROTHERS HOL   COM    524908100        424        6,755   SH      DEFINED       1        6,755
LILLY, ELI & CO       COM    532457108         92        1,200   SH      DEFINED                                1,200
LILLY, ELI & CO       COM    532457108        636        8,300   SH      DEFINED                8,300
LOWES COMPANIES INC   COM    548661107        310        5,300   SH      DEFINED       1                        5,300
LOWES COMPANIES INC   COM    548661107          3           50   SH      DEFINED                                   50
LOWES COMPANIES INC   COM    548661107      4,572       78,215   SH      DEFINED       1       77,020                        1,195
LOWES COMPANIES INC   COM    548661107        272        4,650   SH      DEFINED                4,650
LUCENT TECHNOLOGIES   COM    549463107        113       11,316   SH      DEFINED       2       10,500             256          560
LUCENT TECHNOLOGIES   COM    549463107        148       14,882   SH      DEFINED       1       10,000           3,262        1,620
LUCENT TECHNOLOGIES   COM    549463107         22        2,235   SH      DEFINED                1,164           1,071
LUCENT TECHNOLOGIES   COM    549463107        145       14,509   SH      DEFINED       2       14,509
LUCENT TECHNOLOGIES   COM    549463107        379       37,992   SH      DEFINED       1       36,817                        1,175
LUCENT TECHNOLOGIES   COM    549463107        219       21,937   SH      DEFINED               21,937
MANULIFE FINANCIAL    COM    56501R106      4,260      161,365   SH      DEFINED       1      161,365
MARSH & MCLENNAN CO   COM    571748102        263        2,770   SH      DEFINED       1        2,770
MARRIOTT INTERNATIO   COM    571903202         34          825   SH      DEFINED       2          400             425
MARRIOTT INTERNATIO   COM    571903202        280        6,800   SH      DEFINED       2        6,800
MARRIOTT INTERNATIO   COM    571903202      3,949       95,900   SH      DEFINED       1       95,900
MCDONALDS CORP        COM    580135101        212        8,000   SH      DEFINED       1        8,000
MCDONALDS CORP        COM    580135101        202        7,615   SH      DEFINED       1        6,615                        1,000
MCGRAW HILL COMPANI   COM    580645109        917       15,371   SH      DEFINED       1       13,781                        1,590
MEDTRONIC INC         COM    585055106        238        5,200   SH      DEFINED       2        5,200
MEDTRONIC INC         COM    585055106         40          885   SH      DEFINED       1          560             325
MEDTRONIC INC         COM    585055106         77        1,689   SH      DEFINED                                1,689
MEDTRONIC INC         COM    585055106        359        7,852   SH      DEFINED       2        7,852
MEDTRONIC INC         COM    585055106      5,324      116,390   SH      DEFINED       1      114,920                        1,470
MEDTRONIC INC         COM    585055106        530       11,584   SH      DEFINED               10,784                          800
MERCHANTS BANCSHARE   COM    588448100        268       10,000   SH      DEFINED       2                       10,000
MERCK & CO., INC      COM    589331107        505        6,650   SH      DEFINED       2        5,600           1,050
MERCK & CO., INC      COM    589331107      3,147       41,468   SH      DEFINED       1        9,880          11,644       19,944
MERCK & CO., INC      COM    589331107         17          224   SH      DEFINED                                  224
MERCK & CO., INC      COM    589331107      3,217       42,381   SH      DEFINED       2       42,381
MERCK & CO., INC      COM    589331107     10,314      135,893   SH      DEFINED       1      132,568                        3,325
MERCK & CO., INC      COM    589331107      1,758       23,168   SH      DEFINED               22,765                          403
MERRILL LYNCH AND C   COM    590188108         27          480   SH      DEFINED                                  480
MERRILL LYNCH AND C   COM    590188108        316        5,710   SH      DEFINED       1        5,134                          576
MERRILL LYNCH AND C   COM    590188108        259        4,674   SH      DEFINED                4,674
MICROSOFT CORPORATI   COM    594918104         46          850   SH      DEFINED       2                          850
MICROSOFT CORPORATI   COM    594918104        339        6,198   SH      DEFINED       1        4,293             220        1,685
MICROSOFT CORPORATI   COM    594918104         38          690   SH      DEFINED                                  690
MICROSOFT CORPORATI   COM    594918104        965       17,653   SH      DEFINED       2       17,453                          200
MICROSOFT CORPORATI   COM    594918104      4,538       82,971   SH      DEFINED       1       77,846                        5,125
MICROSOFT CORPORATI   COM    594918104      1,354       24,750   SH      DEFINED               24,750
MINNESOTA MINING &    COM    604059105        291        2,800   SH      DEFINED       1        2,000             800
MINNESOTA MINING &    COM    604059105        902        8,678   SH      DEFINED       1        8,678
MORGAN STANLEY DEAN   COM    617446448          1           25   SH      DEFINED                                   25
MORGAN STANLEY DEAN   COM    617446448        237        4,428   SH      DEFINED       1        4,103                          325
MORGAN STANLEY DEAN   COM    617446448        710       13,270   SH      DEFINED               13,270
MOTOROLA, INC         COM    620076109        148       10,400   SH      DEFINED       2       10,100             300
MOTOROLA, INC         COM    620076109          7          519   SH      DEFINED       1          354             165
MOTOROLA, INC         COM    620076109         10          725   SH      DEFINED                                  725
MOTOROLA, INC         COM    620076109        181       12,672   SH      DEFINED       2       12,672
MOTOROLA, INC         COM    620076109      2,944      206,477   SH      DEFINED       1      205,052                        1,425
MOTOROLA, INC         COM    620076109        276       19,345   SH      DEFINED               19,345
PREFERRED LAND CORP   COM    629994104          0       15,000   SH      DEFINED       1       15,000
NASDAQ 100 TRUST UN   COM    631100104        233        5,940   SH      DEFINED       1                        5,940
NASDAQ 100 TRUST UN   COM    631100104          1           20   SH      DEFINED       1           20
NOKIA CORP-SPONSORE   COM    654902204         15          610   SH      DEFINED       1          610
NOKIA CORP-SPONSORE   COM    654902204        271       11,285   SH      DEFINED       1       11,285
NORFOLK SOUTHERN CO   COM    655844108        121        7,200   SH      DEFINED       1                        4,200        3,000
NORFOLK SOUTHERN CO   COM    655844108        207       12,350   SH      DEFINED       1       12,350
NORFOLK SOUTHERN CO   COM    655844108        575       34,332   SH      DEFINED               34,332
NORTEL NETWORKS COR   COM    656568102         87        6,200   SH      DEFINED       2        6,000             200
NORTEL NETWORKS COR   COM    656568102         48        3,436   SH      DEFINED       1          770           1,365        1,301
NORTEL NETWORKS COR   COM    656568102        102        7,250   SH      DEFINED       2        7,250
NORTEL NETWORKS COR   COM    656568102        579       41,209   SH      DEFINED       1       41,059                          150
ORACLE CORPORATION    COM    68389X105        123        8,200   SH      DEFINED       2        7,600             600
ORACLE CORPORATION    COM    68389X105        602       40,199   SH      DEFINED       1       25,465          10,672        4,062
ORACLE CORPORATION    COM    68389X105          1          100   SH      DEFINED                                  100
ORACLE CORPORATION    COM    68389X105        443       29,580   SH      DEFINED       2       29,580
ORACLE CORPORATION    COM    68389X105      5,892      393,293   SH      DEFINED       1      382,358                       10,935
ORACLE CORPORATION    COM    68389X105        547       36,534   SH      DEFINED               34,889                        1,645
PAB BANKSHARES, INC   COM    69313P101      1,272       99,692   SH      DEFINED       1       99,542                          150
PPG INDUSTRIES, INC   COM    693506107        184        4,000   SH      DEFINED       1        4,000
PPG INDUSTRIES, INC   COM    693506107        295        6,400   SH      DEFINED       1        6,400
PEPSICO, INC.         COM    713448108        290        6,600   SH      DEFINED       1        6,000             600
PEPSICO, INC.         COM    713448108         18          420   SH      DEFINED                                  420
PEPSICO, INC.         COM    713448108        166        3,776   SH      DEFINED       1        3,776
PEPSICO, INC.         COM    713448108        653       14,850   SH      DEFINED               14,850
PFIZER INC            COM    717081103         33          800   SH      DEFINED       2                          800
PFIZER INC            COM    717081103      1,010       24,662   SH      DEFINED       1       14,007           7,241        3,414
PFIZER INC            COM    717081103         90        2,188   SH      DEFINED                                2,188
PFIZER INC            COM    717081103      2,087       50,954   SH      DEFINED       2       50,954
PFIZER INC            COM    717081103      4,809      117,436   SH      DEFINED       1      112,576                        4,860
PFIZER INC            COM    717081103      3,777       92,235   SH      DEFINED               91,635                          600
PHARMACIA CORPORATI   COM    71713U102        453        9,000   SH      DEFINED                9,000
PHILIP MORRIS COMPA   COM    718154107         33          700   SH      DEFINED       2          400             300
PHILIP MORRIS COMPA   COM    718154107        242        5,100   SH      DEFINED       1                          300        4,800
PHILIP MORRIS COMPA   COM    718154107      1,390       29,300   SH      DEFINED       2       29,300
PHILIP MORRIS COMPA   COM    718154107        893       18,820   SH      DEFINED       1       18,820
PREPAID LEGAL SERVI   COM    740065107        252       24,369   SH      DEFINED       1       24,369
PRICE T ROWE GROUP    COM    74144T108        212        6,774   SH      DEFINED                6,774
PROCTOR & GAMBLE      COM    742718109         13          200   SH      DEFINED       2                          200
PROCTOR & GAMBLE      COM    742718109         19          300   SH      DEFINED       1                          300
PROCTOR & GAMBLE      COM    742718109         23          360   SH      DEFINED                                  360
PROCTOR & GAMBLE      COM    742718109      1,067       17,049   SH      DEFINED       2       17,049
PROCTOR & GAMBLE      COM    742718109      3,021       48,258   SH      DEFINED       1       47,783                          475
PROCTOR & GAMBLE      COM    742718109        460        7,348   SH      DEFINED                7,348
PROGRESS ENERGY INC   COM    743263105         60        1,399   SH      DEFINED       1                        1,399
PROGRESS ENERGY INC   COM    743263105        112        2,600   SH      DEFINED                  600           2,000
PROGRESS ENERGY INC   COM    743263105        237        5,498   SH      DEFINED       1        5,498
PROGRESS ENERGY INC   COM    743263105        108        2,515   SH      DEFINED                2,515
PROVIDIAN FINANCIAL   COM    74406A102        552       11,252   SH      DEFINED               11,252
QWEST COMMUNICATION   COM    749121109        219        6,262   SH      DEFINED       1        6,262
QWEST COMMUNICATION   COM    749121109        233        6,659   SH      DEFINED       1        5,659                        1,000
RAYTHEON COMPANY      COM    755111309        126        4,306   SH      DEFINED       1        4,255              51
RAYTHEON COMPANY      COM    755111309         88        3,000   SH      DEFINED       1        3,000
REGIONS FINANCIAL C   COM    758940100        964       33,881   SH      DEFINED       1       33,881
RELIANT ENERGY INC.   COM    75952J108      2,871       63,455   SH      DEFINED       1       63,455
ROYAL DUTCH PETROLE   COM    780257804        288        5,200   SH      DEFINED       1                        5,200
ROYAL DUTCH PETROLE   COM    780257804        243        4,385   SH      DEFINED       1        4,385
SBC COMMUNICATIONS,   COM    78387G103         62        1,400   SH      DEFINED       2          300           1,100
SBC COMMUNICATIONS,   COM    78387G103      1,052       23,579   SH      DEFINED       1       12,458           9,427        1,694
SBC COMMUNICATIONS,   COM    78387G103         37          835   SH      DEFINED                                  835
SBC COMMUNICATIONS,   COM    78387G103        733       16,431   SH      DEFINED       2       16,231                          200
SBC COMMUNICATIONS,   COM    78387G103      6,330      141,835   SH      DEFINED       1      137,493                        4,342
SBC COMMUNICATIONS,   COM    78387G103      1,021       22,888   SH      DEFINED               22,888
SOUTHEASTERN FACTOR   COM    784991101          0       14,700   SH      DEFINED       1       14,700
STRATEGIC TECHNOLOG   COM    786991109          0       38,000   SH      DEFINED       1       38,000
ST PAUL COMPANIES,    COM    792860108        228        5,166   SH      DEFINED       1        5,166
SARA LEE CORPORATIO   COM    803111103        281       13,000   SH      DEFINED       1        8,000                        5,000
SARA LEE CORPORATIO   COM    803111103      3,001      139,056   SH      DEFINED       1      139,056
SCHERING PLOUGH COR   COM    806605101        694       19,000   SH      DEFINED       1        1,000          18,000
SCHERING PLOUGH COR   COM    806605101        438       12,000   SH      DEFINED       2       12,000
SCHERING PLOUGH COR   COM    806605101      2,659       72,793   SH      DEFINED       1       72,793
SCHERING PLOUGH COR   COM    806605101      1,374       37,600   SH      DEFINED               37,600
SCHLUMBERGER LTD      COM    806857108         35          600   SH      DEFINED       2          200             400
SCHLUMBERGER LTD      COM    806857108         31          545   SH      DEFINED       1          545
SCHLUMBERGER LTD      COM    806857108         90        1,565   SH      DEFINED                                1,565
SCHLUMBERGER LTD      COM    806857108        513        8,912   SH      DEFINED       2        8,912
SCHLUMBERGER LTD      COM    806857108      2,893       50,215   SH      DEFINED       1       50,140                           75
SCHLUMBERGER LTD      COM    806857108        393        6,819   SH      DEFINED                6,433                          386
SCHOLASTIC CORPORAT   COM    807066105        292        8,102   SH      DEFINED       1        8,102
SERVICEMASTER CO      COM    81760N109        554       49,333   SH      DEFINED       1                       49,333
SHONEYS,INC.          COM    825039100          1        1,080   SH      DEFINED       1        1,080
SHONEYS,INC.          COM    825039100        367      503,100   SH      DEFINED       1      503,100
SONOCO PRODUCTS COM   COM    835495102        240       11,180   SH      DEFINED               11,180
SOUTHERN COMPANY      COM    842587107        459       13,090   SH      DEFINED       1        8,100           4,990
SOUTHERN COMPANY      COM    842587107        204        5,800   SH      DEFINED                                5,800
SOUTHERN COMPANY      COM    842587107        332        9,462   SH      DEFINED       2        9,462
SOUTHERN COMPANY      COM    842587107      4,721      134,537   SH      DEFINED       1      133,537                        1,000
SOUTHERN COMPANY      COM    842587107        391       11,157   SH      DEFINED                9,157                        2,000
SOUTHTRUST CORPORAT   COM    844730101        458       10,000   SH      DEFINED       2       10,000
SOUTHTRUST CORPORAT   COM    844730101        308        6,723   SH      DEFINED       1                        6,723
SOUTHTRUST CORPORAT   COM    844730101        183        4,000   SH      DEFINED       2        4,000
SOUTHTRUST CORPORAT   COM    844730101        474       10,358   SH      DEFINED       1       10,358
SPRINT, CORP          COM    852061100        176        8,000   SH      DEFINED       1        8,000
SPRINT, CORP          COM    852061100      1,888       85,859   SH      DEFINED       1       81,759                        4,100
SPRINT CORPORATION    COM    852061506         76        4,000   SH      DEFINED       1        4,000
SPRINT CORPORATION    COM    852061506        183        9,618   SH      DEFINED       1        8,298                        1,320
STATE STREET CORPOR   COM    857477103          4           47   SH      DEFINED                                   47
STATE STREET CORPOR   COM    857477103        204        2,180   SH      DEFINED       1        2,180
STATE STREET CORPOR   COM    857477103        205        2,200   SH      DEFINED                2,200
STEELCASE INC. CLAS   COM    858155401        219       12,857   SH      DEFINED               12,857
SUMMIT BANK CORPORA   COM    866013105        294       18,000   SH      DEFINED       1       18,000
SUN MICROSYSTEMS, I   COM    866810104        114        7,400   SH      DEFINED       2        6,300             300          800
SUN MICROSYSTEMS, I   COM    866810104         68        4,408   SH      DEFINED       1        3,812             596
SUN MICROSYSTEMS, I   COM    866810104         94        6,100   SH      DEFINED                                6,100
SUN MICROSYSTEMS, I   COM    866810104        325       21,134   SH      DEFINED       2       20,734                          400
SUN MICROSYSTEMS, I   COM    866810104      1,621      105,467   SH      DEFINED       1      104,717                          750
SUN MICROSYSTEMS, I   COM    866810104      1,294       84,190   SH      DEFINED               84,190
SUNTRUST BANKS INC    COM    867914103        255        3,932   SH      DEFINED       2        3,500                          432
SUNTRUST BANKS INC    COM    867914103        453        6,996   SH      DEFINED       1        1,000           5,996
SUNTRUST BANKS INC    COM    867914103        285        4,400   SH      DEFINED       2        4,400
SUNTRUST BANKS INC    COM    867914103     15,220      234,880   SH      DEFINED       1      234,880
SYNOVUS FINANCIAL C   COM    87161C105     25,044      927,540   SH      DEFINED       1       18,668         753,499      155,373
SYNOVUS FINANCIAL C   COM    87161C105    942,131   34,893,743   SH      DEFINED       1   34,051,387          37,150      805,206
SYNOVUS FINANCIAL C   COM    87161C105        696       25,771   SH      DEFINED       2       25,771
SYNOVUS FINANCIAL C   COM    87161C105     17,894      662,741   SH      DEFINED       2      499,986                      162,755
SYNOVUS FINANCIAL C   COM    87161C105     14,462      535,622   SH      DEFINED               12,487         465,823       57,312
SYNOVUS FINANCIAL C   COM    87161C105      9,031      334,489   SH      DEFINED              334,489
SYSCO CORP            COM    871829107        282       10,650   SH      DEFINED       1       10,650
TECO ENERGY INC.      COM    872375100        219        7,300   SH      DEFINED       2        7,300
TECO ENERGY INC.      COM    872375100        576       19,240   SH      DEFINED       2       19,240
TARGET CORP           COM    87612E106        346        9,600   SH      DEFINED       2        9,600
TARGET CORP           COM    87612E106         15          425   SH      DEFINED                                  425
TARGET CORP           COM    87612E106        285        7,898   SH      DEFINED       2        7,898
TARGET CORP           COM    87612E106      5,461      151,362   SH      DEFINED       1      150,042                        1,320
TARGET CORP           COM    87612E106        593       16,436   SH      DEFINED               16,436
TELLABS, INC. DELEW   COM    879664100         10          250   SH      DEFINED                                  250
TELLABS, INC. DELEW   COM    879664100      2,224       54,655   SH      DEFINED       1       54,255                          400
TELLABS, INC. DELEW   COM    879664100        389        9,550   SH      DEFINED                9,550
TEXACO INC            COM    881694103         93        1,400   SH      DEFINED       1          200           1,200
TEXACO INC            COM    881694103         61          925   SH      DEFINED                  600             325
TEXACO INC            COM    881694103        445        6,709   SH      DEFINED       1        6,634                           75
TEXACO INC            COM    881694103        370        5,574   SH      DEFINED                5,574
TEXAS INSTRUMENTS I   COM    882508104        223        7,200   SH      DEFINED       2        6,800             400
TEXAS INSTRUMENTS I   COM    882508104         37        1,191   SH      DEFINED       1        1,191
TEXAS INSTRUMENTS I   COM    882508104        333       10,750   SH      DEFINED       2       10,750
TEXAS INSTRUMENTS I   COM    882508104      4,363      140,845   SH      DEFINED       1      139,245                        1,600
TEXAS INSTRUMENTS I   COM    882508104        415       13,384   SH      DEFINED               12,350                        1,034
TOTAL SYSTEM SERVIC   COM    891906109      6,182      251,310   SH      DEFINED       1                      244,440        6,870
TOTAL SYSTEM SERVIC   COM    891906109     31,044    1,261,965   SH      DEFINED       1    1,222,414                       39,551
TRITON NETWORK SYST   COM    896775103         17       10,000   SH      DEFINED       1       10,000
TYCO INTERNATIONAL    COM    902124106        173        4,000   SH      DEFINED       1        4,000
TYCO INTERNATIONAL    COM    902124106          2           50   SH      DEFINED                                   50
TYCO INTERNATIONAL    COM    902124106        376        8,694   SH      DEFINED       2        8,494                          200
TYCO INTERNATIONAL    COM    902124106      2,412       55,785   SH      DEFINED       1       55,785
TYCO INTERNATIONAL    COM    902124106        319        7,386   SH      DEFINED                7,386
U S BANCORP DEL COM   COM    902973304        122        5,239   SH      DEFINED       1                        4,560          679
U S BANCORP DEL COM   COM    902973304        728       31,373   SH      DEFINED       1       31,373
UNION PLANTERS CORP   COM    908068109         15          400   SH      DEFINED       1                          400
UNION PLANTERS CORP   COM    908068109        237        6,150   SH      DEFINED       1        6,150
UNITED TECHNOLOGIES   COM    913017109         18          250   SH      DEFINED       1          100             150
UNITED TECHNOLOGIES   COM    913017109          8          108   SH      DEFINED                                  108
UNITED TECHNOLOGIES   COM    913017109      2,980       40,654   SH      DEFINED       1       40,654
UNITED TECHNOLOGIES   COM    913017109        450        6,136   SH      DEFINED                5,441                          695
VERIZON COMMUNICATI   COM    92343V104        381        7,732   SH      DEFINED       2        6,400           1,332
VERIZON COMMUNICATI   COM    92343V104      1,058       21,455   SH      DEFINED       1       10,309           9,808        1,338
VERIZON COMMUNICATI   COM    92343V104        115        2,332   SH      DEFINED                2,332
VERIZON COMMUNICATI   COM    92343V104      1,387       28,142   SH      DEFINED       2       26,942                        1,200
VERIZON COMMUNICATI   COM    92343V104      9,815      199,088   SH      DEFINED       1      198,454                          634
VERIZON COMMUNICATI   COM    92343V104        521       10,577   SH      DEFINED               10,577
VIACOM INC NON-VOTI   COM    925524308        382        8,680   SH      DEFINED       1        8,680
VIACOM INC NON-VOTI   COM    925524308         88        2,000   SH      DEFINED       1        1,408                          592
VIVENDI UNIVERSAL S   COM    92851S204        272        4,480   SH      DEFINED       2        4,480
VODAFONE GROUP PLC    COM    92857W100         70        2,560   SH      DEFINED       1                        2,560
VODAFONE GROUP PLC    COM    92857W100        474       17,457   SH      DEFINED       1       17,457
WACHOVIA CORPORATIO   COM    929771103        253        4,200   SH      DEFINED       2        4,200
WACHOVIA CORPORATIO   COM    929771103        338        5,606   SH      DEFINED       1                          672        4,934
WACHOVIA CORPORATIO   COM    929771103         26          425   SH      DEFINED                                  425
WACHOVIA CORPORATIO   COM    929771103         51          850   SH      DEFINED       2          850
WACHOVIA CORPORATIO   COM    929771103      5,196       86,246   SH      DEFINED       1       85,771                          475
WACHOVIA CORPORATIO   COM    929771103        297        4,932   SH      DEFINED                4,932
WAL-MART STORES, IN   COM    931142103        303        6,000   SH      DEFINED       2        5,200             800
WAL-MART STORES, IN   COM    931142103        806       15,951   SH      DEFINED       1        7,035           7,696        1,220
WAL-MART STORES, IN   COM    931142103      2,957       58,562   SH      DEFINED       2       58,262                          300
WAL-MART STORES, IN   COM    931142103      3,923       77,685   SH      DEFINED       1       77,685
WAL-MART STORES, IN   COM    931142103      2,463       48,779   SH      DEFINED               48,779
WALGREEN COMPANY      COM    931422109        337        8,260   SH      DEFINED       2        8,260
WELLPOINT HEALTH NE   COM    94973H108      1,789       18,775   SH      DEFINED       1       18,775
WELLS FARGO & COMPA   COM    949746101        160        3,240   SH      DEFINED       1                        3,240
WELLS FARGO & COMPA   COM    949746101        128        2,580   SH      DEFINED       1        2,580
WELLS FARGO & COMPA   COM    949746101        237        4,800   SH      DEFINED                4,800
WEYERHAEUSER CO       COM    962166104        116        2,286   SH      DEFINED       1          330             325        1,631
WEYERHAEUSER CO       COM    962166104      2,048       40,323   SH      DEFINED       1       40,323
WINN-DIXIE STORES,    COM    974280109        908       31,996   SH      DEFINED       2       31,996
WINN-DIXIE STORES,    COM    974280109        148        5,200   SH      DEFINED                5,200
WINN-DIXIE STORES,    COM    974280109        160        5,644   SH      DEFINED       2        5,644
WINN-DIXIE STORES,    COM    974280109        991       34,930   SH      DEFINED       1       34,930
WINN-DIXIE STORES,    COM    974280109        293       10,325   SH      DEFINED               10,325
WORLDCOM INC. GA NE   COM    98157D106        155        8,300   SH      DEFINED       2        8,300
WORLDCOM INC. GA NE   COM    98157D106          6          345   SH      DEFINED       1                          345
WORLDCOM INC. GA NE   COM    98157D106          8          404   SH      DEFINED                                  404
WORLDCOM INC. GA NE   COM    98157D106        337       18,050   SH      DEFINED       2       17,550                          500
WORLDCOM INC. GA NE   COM    98157D106      1,671       89,435   SH      DEFINED       1       87,535                        1,900
WORLDCOM INC. GA NE   COM    98157D106        275       14,726   SH      DEFINED               14,726
XEROX CORP            COM    984121103          3          455   SH      DEFINED       1                          320          135
XEROX CORP            COM    984121103        124       20,767   SH      DEFINED       1       20,767
MITSUBISHI HEAVY IN   COM    J44002129         40       11,000   SH      DEFINED       1       11,000