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. 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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. 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