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
MINNESOTA MINING & MANU COM   604059105       342      3,000     SH       DEFINED   1           2,000           800            200
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
PREFERRED LAND CORP (GE COM   629994104         0     15,000     SH       DEFINED   1          15,000
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
TYCO INTERNATIONAL LIMI COM   902124106     1,264     23,194     SH       DEFINED   2          22,994                          200
TYCO INTERNATIONAL LIMI COM   902124106       371      6,800     SH       DEFINED   2                         6,800
TYCO INTERNATIONAL LIMI COM   902124106     5,195     95,317     SH       DEFINED   1          94,992                          325
TYCO INTERNATIONAL LIMI COM   902124106       218      4,000     SH       DEFINED   1           4,000
TYCO INTERNATIONAL LIMI COM   902124106       714     13,095     SH       DEFINED              13,095
TYCO INTERNATIONAL LIMI COM   902124106         3         50     SH       DEFINED                                50
USX MARATHON GROUP (HOL COM   902905827     2,812     95,290     SH       DEFINED   1          95,290
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
UNITED TECHNOLOGIES COR COM   913017109       370      5,051     SH       DEFINED   2           5,051
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
UNITED TECHNOLOGIES COR COM   913017109        18        250     SH       DEFINED   1             100           150
UNITED TECHNOLOGIES COR COM   913017109       476      6,491     SH       DEFINED               5,796                          695
UNITED TECHNOLOGIES COR COM   913017109         8        108     SH       DEFINED                               108
VERIZON COMMUNICATIONS  COM   92343V104     2,066     38,626     SH       DEFINED   2          38,426                          200
VERIZON COMMUNICATIONS  COM   92343V104       721     13,476     SH       DEFINED   2           6,400         6,440            636
VERIZON COMMUNICATIONS  COM   92343V104     8,374    156,516     SH       DEFINED   1         155,915                          601
VERIZON COMMUNICATIONS  COM   92343V104     1,452     27,146     SH       DEFINED   1          10,309        15,499          1,338
VERIZON COMMUNICATIONS  COM   92343V104       659     12,313     SH       DEFINED              12,313
VERIZON COMMUNICATIONS  COM   92343V104       125      2,332     SH       DEFINED               2,332
VIACOM INC NON-VOTING C COM   925524308        56      1,088     SH       DEFINED   1             496                          592
VIACOM INC NON-VOTING C COM   925524308       449      8,680     SH       DEFINED   1           8,680
VIVENDI UNIVERSAL SPONS COM   92851S204       260      4,480     SH       DEFINED   2           4,480
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
VODAFONE GROUP PLC SPON COM   92857W100        33      1,460     SH       DEFINED   1                         1,460
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
WELLS FARGO & COMPANY N COM   949746101        68      1,463     SH       DEFINED   1           1,463
WELLS FARGO & COMPANY N COM   949746101       150      3,240     SH       DEFINED   1                         3,240
WELLS FARGO & COMPANY N COM   949746101       223      4,800     SH       DEFINED               4,800
WEYERHAEUSER CO         COM   962166104     2,448     44,538     SH       DEFINED   1          44,538
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
WINN-DIXIE STORES, INC. COM   974280109       136      5,200     SH       DEFINED               5,200
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
WORLDCOM INC. GA NEW    COM   98157D106         6        404     SH       DEFINED                               404
XILINX INC              COM   983919101       111      2,700     SH       DEFINED   2           2,700
XILINX INC              COM   983919101       168      4,075     SH       DEFINED   2                         4,075
XEROX CORP              COM   984121103       177     18,467     SH       DEFINED   1          18,467
XEROX CORP              COM   984121103         4        455     SH       DEFINED   1                           320            135