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

                                    Form 13F

                               Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: September 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                    November 1, 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:            611

Form 13F Information Table Value Total:      2,296,268
                                           (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        406       15,050   SH    DEFINED     2       15,050
AFLAC, INCORPORATED         COM    001055102        140        5,200   SH    DEFINED     2        3,000         2,200
AFLAC, INCORPORATED         COM    001055102     29,134    1,079,049   SH    DEFINED     1    1,075,759                       3,290
AFLAC, INCORPORATED         COM    001055102      5,178      191,762   SH    DEFINED     1       24,648       167,114
AOL TIME WARNER, INC        COM    00184A105        300        9,075   SH    DEFINED     2        9,075
AOL TIME WARNER, INC        COM    00184A105        264        7,963   SH    DEFINED     2        3,000         4,825           138
AOL TIME WARNER, INC        COM    00184A105      3,474      104,941   SH    DEFINED     1      104,941
AOL TIME WARNER, INC        COM    00184A105        250        7,554   SH    DEFINED     1        6,015                       1,539
AOL TIME WARNER, INC        COM    00184A105        371       11,215   SH    DEFINED             11,215
AT&T CORP                   COM    001957109        562       29,100   SH    DEFINED     2       29,100
AT&T CORP                   COM    001957109        206       10,689   SH    DEFINED     2                     10,689
AT&T CORP                   COM    001957109      1,682       87,162   SH    DEFINED     1       86,162                       1,000
AT&T CORP                   COM    001957109        383       19,841   SH    DEFINED     1       16,257         3,059           525
AT&T CORP                   COM    001957109        730       37,834   SH    DEFINED             37,834
AT&T CORP                   COM    001957109         36        1,860   SH    DEFINED              1,350           510
AT&T WIRELESS SERVICE       COM    00209A106        156       10,412   SH    DEFINED     2       10,412
AT&T WIRELESS SERVICE       COM    00209A106         51        3,437   SH    DEFINED     2                      3,437
AT&T WIRELESS SERVICE       COM    00209A106        279       18,662   SH    DEFINED     1       18,341                         321
AT&T WIRELESS SERVICE       COM    00209A106         95        6,381   SH    DEFINED     1        5,231           982           168
AT&T WIRELESS SERVICE       COM    00209A106        180       12,058   SH    DEFINED             12,058
AT&T WIRELESS SERVICE       COM    00209A106          9          597   SH    DEFINED                434           163
ABBOTT LABS                 COM    002824100      1,326       25,583   SH    DEFINED     2       25,383                         200
ABBOTT LABS                 COM    002824100        674       13,000   SH    DEFINED     2        2,000        11,000
ABBOTT LABS                 COM    002824100      4,974       95,940   SH    DEFINED     1       95,640                         300
ABBOTT LABS                 COM    002824100        527       10,170   SH    DEFINED     1        3,400         6,770
ABBOTT LABS                 COM    002824100        920       17,742   SH    DEFINED             17,742
AGERE SYSTEM, INC.          COM    00845V100         41       10,000   SH    DEFINED     1       10,000
ALCOA INC                   COM    013817101        488       15,735   SH    DEFINED     1       15,735
ALCOA INC                   COM    013817101        220        7,106   SH    DEFINED     1                      2,306         4,800
ALLSTATE CORPORATION        COM    020002101        391       10,476   SH    DEFINED             10,476
ALLTEL CORPORATION          COM    020039103        314        5,416   SH    DEFINED     2        5,416
ALLTEL CORPORATION          COM    020039103        117        2,027   SH    DEFINED     2        1,724           200           103
ALLTEL CORPORATION          COM    020039103        389        6,711   SH    DEFINED     1        6,391                         320
ALLTEL CORPORATION          COM    020039103        318        5,496   SH    DEFINED              5,496
AMERICAN ELECTRIC POW       COM    025537101        282        6,518   SH    DEFINED     2        6,518
AMERICAN ELECTRIC POW       COM    025537101         35          800   SH    DEFINED     2                        800
AMERICAN ELECTRIC POW       COM    025537101        447       10,336   SH    DEFINED     1       10,336
AMERICAN ELECTRIC POW       COM    025537101        119        2,759   SH    DEFINED     1                      2,759
AMERICAN EXPRESS COMP       COM    025816109        371       12,771   SH    DEFINED     1       12,771
AMERICAN EXPRESS COMP       COM    025816109        429       14,750   SH    DEFINED     1        8,000         2,100         4,650
AMERICAN GENERAL AIRC       COM    026358994          0       13,000   SH    DEFINED     1       13,000
AMERICAN HOME PRODUCT       COM    026609107      1,044       17,920   SH    DEFINED     2       17,920
AMERICAN HOME PRODUCT       COM    026609107        885       15,200   SH    DEFINED     2                     14,000         1,200
AMERICAN HOME PRODUCT       COM    026609107      6,074      104,280   SH    DEFINED     1      103,550                         730
AMERICAN HOME PRODUCT       COM    026609107        221        3,800   SH    DEFINED     1                      3,800
AMERICAN HOME PRODUCT       COM    026609107        848       14,556   SH    DEFINED             14,556
AMERICAN HOME PRODUCT       COM    026609107          1           25   SH    DEFINED                               25
AMERICAN INTERNATIONA       COM    026874107      1,305       16,725   SH    DEFINED     2       16,725
AMERICAN INTERNATIONA       COM    026874107        461        5,904   SH    DEFINED     2        1,650         4,254
AMERICAN INTERNATIONA       COM    026874107      6,050       77,559   SH    DEFINED     1       77,334                         225
AMERICAN INTERNATIONA       COM    026874107        840       10,765   SH    DEFINED             10,765
AMERICAN INTERNATIONA       COM    026874107         10          129   SH    DEFINED                            129
AMGEN INC                   COM    031162100          3           50   SH    DEFINED     2           50
AMGEN INC                   COM    031162100        435        7,400   SH    DEFINED     2        5,000         2,400
AMGEN INC                   COM    031162100        981       16,692   SH    DEFINED     1       16,692
AMGEN INC                   COM    031162100        723       12,305   SH    DEFINED     1       12,305
AMGEN INC                   COM    031162100        438        7,445   SH    DEFINED              7,445
AMGEN INC                   COM    031162100         31          520   SH    DEFINED                              520
AMSOUTH BANCORPORATIO       COM    032165102         18        1,010   SH    DEFINED              1,010
AMSOUTH BANCORPORATIO       COM    032165102        267       14,785   SH    DEFINED                           14,785
ANHEUSER BUSCH COMPAN       COM    035229103        439       10,480   SH    DEFINED     2       10,480
ANHEUSER BUSCH COMPAN       COM    035229103        235        5,600   SH    DEFINED     2                      4,400         1,200
ANHEUSER BUSCH COMPAN       COM    035229103        165        3,950   SH    DEFINED     1        3,950
ANHEUSER BUSCH COMPAN       COM    035229103        408        9,738   SH    DEFINED     1        8,000                       1,738
APPLIED MATERIALS INC       COM    038222105        328       11,545   SH    DEFINED     1       11,545
ARCH COAL, INC.             COM    039380100        362       23,197   SH    DEFINED     2       23,197
ARCH COAL, INC.             COM    039380100        112        7,211   SH    DEFINED     2                      7,211
ARCHER-DANIELS-MIDLAN       COM    039483102        278       22,102   SH    DEFINED     1       22,102
ASHLAND INC                 COM    044204105      5,011      129,994   SH    DEFINED     2      129,994
ASHLAND INC                 COM    044204105      1,576       40,886   SH    DEFINED     2                     40,886
AUTOMATIC DATA PROCES       COM    053015103        923       19,626   SH    DEFINED     2       19,626
AUTOMATIC DATA PROCES       COM    053015103        612       13,000   SH    DEFINED     2        5,300         7,700
AUTOMATIC DATA PROCES       COM    053015103      2,746       58,372   SH    DEFINED     1       58,372
AUTOMATIC DATA PROCES       COM    053015103        207        4,400   SH    DEFINED     1                                    4,400
AVERY DENNISON CORPOR       COM    053611109         38          800   SH    DEFINED     2          800
AVERY DENNISON CORPOR       COM    053611109        238        5,032   SH    DEFINED     2                      5,032
BB & T CORPORATION          COM    054937107      1,374       37,699   SH    DEFINED     1       36,219                       1,480
BB & T CORPORATION          COM    054937107        797       21,871   SH    DEFINED             21,871
BP P.L.C.                   COM    055622104        600       12,198   SH    DEFINED     2       12,198
BP P.L.C.                   COM    055622104        467        9,500   SH    DEFINED     2        6,896         2,604
BP P.L.C.                   COM    055622104      2,928       59,558   SH    DEFINED     1       57,340                       2,218
BP P.L.C.                   COM    055622104        482        9,798   SH    DEFINED     1                      5,050         4,748
BP P.L.C.                   COM    055622104        265        5,386   SH    DEFINED              5,288                          98
BP P.L.C.                   COM    055622104        385        7,832   SH    DEFINED                            7,832
BANK OF AMERICA CORP        COM    060505104      7,044      120,623   SH    DEFINED     2      120,623
BANK OF AMERICA CORP        COM    060505104      4,059       69,510   SH    DEFINED     2          840        66,413         2,257
BANK OF AMERICA CORP        COM    060505104      6,572      112,532   SH    DEFINED     1       91,879                      20,653
BANK OF AMERICA CORP        COM    060505104        697       11,931   SH    DEFINED     1          168         8,631         3,132
BANK OF AMERICA CORP        COM    060505104      2,999       51,358   SH    DEFINED             51,358
BANK ONE CORPORATION        COM    06423A103         76        2,400   SH    DEFINED     2        2,400
BANK ONE CORPORATION        COM    06423A103        151        4,783   SH    DEFINED     2                      4,783
BANK ONE CORPORATION        COM    06423A103        204        6,496   SH    DEFINED     1        6,496
BANK ONE CORPORATION        COM    06423A103         29          912   SH    DEFINED     1                        912
BAXTER INTERNATIONAL,       COM    071813109        118        2,138   SH    DEFINED     2        2,138
BAXTER INTERNATIONAL,       COM    071813109        165        3,000   SH    DEFINED     2                      3,000
BAXTER INTERNATIONAL,       COM    071813109        235        4,263   SH    DEFINED     1        4,263
BAXTER INTERNATIONAL,       COM    071813109        143        2,600   SH    DEFINED     1                      1,000         1,600
BELLSOUTH CORPORATION       COM    079860102      3,946       94,979   SH    DEFINED     2       94,979
BELLSOUTH CORPORATION       COM    079860102        708       17,028   SH    DEFINED     2        6,100        10,928
BELLSOUTH CORPORATION       COM    079860102      4,759      114,541   SH    DEFINED     1      106,631                       7,910
BELLSOUTH CORPORATION       COM    079860102      2,926       70,432   SH    DEFINED     1        5,091        61,192         4,149
BELLSOUTH CORPORATION       COM    079860102        891       21,449   SH    DEFINED             21,269                         180
BELLSOUTH CORPORATION       COM    079860102        342        8,220   SH    DEFINED              2,400         5,820
BERKSHIRE HATHAWAY, I       COM    084670108      2,660           38   SH    DEFINED     1           38
BIOGEN INC                  COM    090597105         39          700   SH    DEFINED     1          700
BIOGEN INC                  COM    090597105        167        3,000   SH    DEFINED     1        3,000
BOLLINGER INDUSTRIES        COM    097676100         13       28,000   SH    DEFINED     1       28,000
BOLLINGER INDUSTRIES        COM    097676993         45      110,000   SH    DEFINED     1      110,000
BRISTOL-MYERS SQUIBB        COM    110122108      1,961       35,297   SH    DEFINED     2       35,297
BRISTOL-MYERS SQUIBB        COM    110122108        805       14,480   SH    DEFINED     2                     14,480
BRISTOL-MYERS SQUIBB        COM    110122108      2,072       37,295   SH    DEFINED     1       36,595           700
BRISTOL-MYERS SQUIBB        COM    110122108        937       16,863   SH    DEFINED     1        7,270         6,668         2,925
BRISTOL-MYERS SQUIBB        COM    110122108      1,363       24,527   SH    DEFINED             24,527
BRISTOL-MYERS SQUIBB        COM    110122108         67        1,200   SH    DEFINED                            1,200
CANADIAN NATIONAL           COM    136375102      2,103       55,265   SH    DEFINED     1       55,265
CAPITAL CITY BANK GRO       COM    139674105        476       20,296   SH    DEFINED     1       20,296
CHEVRON CORPORATION         COM    166751107      2,072       24,454   SH    DEFINED     2       24,454
CHEVRON CORPORATION         COM    166751107        678        8,000   SH    DEFINED     2        4,800         3,200
CHEVRON CORPORATION         COM    166751107      1,315       15,513   SH    DEFINED     1       15,218                         295
CHEVRON CORPORATION         COM    166751107        286        3,370   SH    DEFINED     1        2,422           548           400
CHEVRON CORPORATION         COM    166751107        146        1,721   SH    DEFINED              1,521                         200
CHEVRON CORPORATION         COM    166751107         68          800   SH    DEFINED                              800
CHUBB CORPORATION           COM    171232101      1,378       19,304   SH    DEFINED     1       19,144                         160
CHUBB CORPORATION           COM    171232101      5,916       82,844   SH    DEFINED     1                      1,744        81,100
CISCO SYSTEMS               COM    17275R102        504       41,355   SH    DEFINED     2       41,355
CISCO SYSTEMS               COM    17275R102        271       22,275   SH    DEFINED     2       12,000        10,275
CISCO SYSTEMS               COM    17275R102      3,375      277,129   SH    DEFINED     1      273,529                       3,600
CISCO SYSTEMS               COM    17275R102        193       15,816   SH    DEFINED     1        6,026         9,790
CISCO SYSTEMS               COM    17275R102        875       71,839   SH    DEFINED             71,839
CISCO SYSTEMS               COM    17275R102          2          183   SH    DEFINED                              183
CITIGROUP INCORPORATE       COM    172967101        754       18,621   SH    DEFINED     2       18,621
CITIGROUP INCORPORATE       COM    172967101        350        8,642   SH    DEFINED     2        3,200         5,442
CITIGROUP INCORPORATE       COM    172967101      5,980      147,644   SH    DEFINED     1      146,445                       1,199
CITIGROUP INCORPORATE       COM    172967101      1,225       30,255   SH    DEFINED     1       10,669        19,313           273
CITIGROUP INCORPORATE       COM    172967101      1,160       28,649   SH    DEFINED             28,101                         548
CITIGROUP INCORPORATE       COM    172967101         31          773   SH    DEFINED                              773
CITIZENS COMMUNICATIO       COM    17453B101        177       18,851   SH    DEFINED     1       18,851
CLOROX COMPANY              COM    189054109        252        6,800   SH    DEFINED     1        6,800
CLOROX COMPANY              COM    189054109         22          596   SH    DEFINED     1                                      596
COCA COLA COMPANY           COM    191216100    100,370    2,142,368   SH    DEFINED     2    2,084,497                      57,871
COCA COLA COMPANY           COM    191216100      4,697      100,247   SH    DEFINED     2       85,000        15,247
COCA COLA COMPANY           COM    191216100    440,825    9,409,276   SH    DEFINED     1    9,367,070                      42,206
COCA COLA COMPANY           COM    191216100     26,695      569,788   SH    DEFINED     1      118,975       438,962        11,851
COCA COLA COMPANY           COM    191216100      2,460       52,510   SH    DEFINED             52,510
COCA COLA COMPANY           COM    191216100         16          342   SH    DEFINED                              342
COCA-COLA ENTERPRISES       COM    191219104     18,461    1,203,450   SH    DEFINED     1    1,203,450
COLGATE-PALMOLIVE COM       COM    194162103      1,052       18,062   SH    DEFINED     2       18,062
COLGATE-PALMOLIVE COM       COM    194162103        326        5,600   SH    DEFINED     2        5,400           200
COLGATE-PALMOLIVE COM       COM    194162103      4,190       71,930   SH    DEFINED     1       71,930
COLGATE-PALMOLIVE COM       COM    194162103        800       13,728   SH    DEFINED             13,728
COLGATE-PALMOLIVE COM       COM    194162103         15          251   SH    DEFINED                              251
COMCAST CORPORATION C       COM    200300200        156        4,350   SH    DEFINED     2        4,350
COMCAST CORPORATION C       COM    200300200         72        2,000   SH    DEFINED     2        2,000
COMPAQ COMPUTER CORP        COM    204493100        185       22,275   SH    DEFINED     1       21,487                         788
COMPAQ COMPUTER CORP        COM    204493100         50        6,060   SH    DEFINED     1        4,000         2,060
COMPASS BANCSHARES IN       COM    20449H109        733       28,147   SH    DEFINED                           28,147
CONOCO INCORPORATED         COM    208251306         66        2,615   SH    DEFINED     1        2,615
CONOCO INCORPORATED         COM    208251306        254       10,000   SH    DEFINED     1       10,000
CONOCO CLASS B              COM    208251405      1,786       70,500   SH    DEFINED     1       70,500
CONSOLIDATED EDISON I       COM    209115104        244        5,998   SH    DEFINED     2        5,998
CONSOLIDATED EDISON I       COM    209115104         53        1,300   SH    DEFINED     2                      1,300
CORPAS INVESTMENTS, I       COM    21986N103          0       13,333   SH    DEFINED     1       13,333
COUSINS PROPERTIES IN       COM    222795106        195        7,875   SH    DEFINED     1        7,875
COUSINS PROPERTIES IN       COM    222795106         74        3,000   SH    DEFINED     1        3,000
DEVELOPERS-INVESTORS,       COM    232990AA9        456      450,000   SH    DEFINED     1
DARDEN RESTAURANTS IN       COM    237194105        996       37,952   SH    DEFINED     1       37,952
DARDEN RESTAURANTS IN       COM    237194105        160        6,100   SH    DEFINED     1                      6,100
DELL COMPUTER CORPORA       COM    247025109      2,515      135,721   SH    DEFINED     1      134,721                       1,000
DELL COMPUTER CORPORA       COM    247025109         26        1,400   SH    DEFINED     1        1,400
WALT DISNEY COMPANY H       COM    254687106        794       42,660   SH    DEFINED     2       42,660
WALT DISNEY COMPANY H       COM    254687106        113        6,065   SH    DEFINED     2          400         5,665
WALT DISNEY COMPANY H       COM    254687106      3,110      166,998   SH    DEFINED     1      166,273                         725
WALT DISNEY COMPANY H       COM    254687106        166        8,935   SH    DEFINED     1        7,000         1,935
WALT DISNEY COMPANY H       COM    254687106        570       30,610   SH    DEFINED             30,610
WALT DISNEY COMPANY H       COM    254687106         12          655   SH    DEFINED                              655
E. I. DUPONT DE NEMOU       COM    263534109        353        9,400   SH    DEFINED     2        9,400
E. I. DUPONT DE NEMOU       COM    263534109         41        1,100   SH    DEFINED     2                      1,100
E. I. DUPONT DE NEMOU       COM    263534109      2,598       69,232   SH    DEFINED     1       68,892                         340
E. I. DUPONT DE NEMOU       COM    263534109        558       14,860   SH    DEFINED     1        5,755         9,105
E. I. DUPONT DE NEMOU       COM    263534109      2,005       53,445   SH    DEFINED             53,445
E. I. DUPONT DE NEMOU       COM    263534109         20          525   SH    DEFINED                              525
DUKE ENERGY CORPORATI       COM    264399106        329        8,700   SH    DEFINED     2        8,700
DUKE ENERGY CORPORATI       COM    264399106        139        3,670   SH    DEFINED     2                      3,670
DUKE ENERGY CORPORATI       COM    264399106        305        8,052   SH    DEFINED     1        8,052
DUKE ENERGY CORPORATI       COM    264399106        299        7,900   SH    DEFINED     1        4,000         3,900
DUKE ENERGY CORPORATI       COM    264399106        636       16,806   SH    DEFINED             16,806
DUKE ENERGY CORPORATI       COM    264399106         15          400   SH    DEFINED                              400
EMC CORP                    COM    268648102        429       36,470   SH    DEFINED     2       36,470
EMC CORP                    COM    268648102        180       15,300   SH    DEFINED     2        8,000         7,300
EMC CORP                    COM    268648102      1,965      167,275   SH    DEFINED     1      167,175                         100
EMC CORP                    COM    268648102         11          965   SH    DEFINED     1          775           190
EASTMAN KODAK CO.           COM    277461109         39        1,197   SH    DEFINED     1          613                         584
EASTMAN KODAK CO.           COM    277461109        163        5,020   SH    DEFINED     1        4,000           300           720
EL PASO CORPORATION         COM    28336L109      3,010       72,432   SH    DEFINED     1       72,432
EL PASO CORPORATION         COM    28336L109         27          644   SH    DEFINED     1                                      644
EL PASO CORPORATION         COM    28336L109        226        5,442   SH    DEFINED              5,442
ELECTRONIC DATA SYSTE       COM    285661104        382        6,642   SH    DEFINED     2        6,642
ELECTRONIC DATA SYSTE       COM    285661104         23          400   SH    DEFINED     2          400
ELECTRONIC DATA SYSTE       COM    285661104      5,536       96,138   SH    DEFINED     1       92,853                       3,285
ELECTRONIC DATA SYSTE       COM    285661104        616       10,694   SH    DEFINED             10,694
ELECTRONIC DATA SYSTE       COM    285661104         12          200   SH    DEFINED                              200
EMERSON ELECTRIC CO.        COM    291011104        294        6,255   SH    DEFINED     2        6,255
EMERSON ELECTRIC CO.        COM    291011104        233        4,950   SH    DEFINED     2                      4,950
EMERSON ELECTRIC CO.        COM    291011104        868       18,435   SH    DEFINED     1       18,435
EMERSON ELECTRIC CO.        COM    291011104        141        3,000   SH    DEFINED     1        3,000
ENBRIDGE ENERGY PARTN       COM    29250R106        267        5,850   SH    DEFINED     1        5,850
ENERGEN CORPORATION         COM    29265N108         36        1,608   SH    DEFINED              1,608
ENERGEN CORPORATION         COM    29265N108        551       24,500   SH    DEFINED                           24,500
ENRON CORPORATION           COM    293561106      1,347       49,469   SH    DEFINED             48,669                         800
EQUIFAX, INCORPORATED       COM    294429105         37        1,680   SH    DEFINED     1        1,680
EQUIFAX, INCORPORATED       COM    294429105        219       10,000   SH    DEFINED     1        6,000                       4,000
EXXON MOBIL CORPORATI       COM    30231G102      6,084      154,412   SH    DEFINED     2      154,012                         400
EXXON MOBIL CORPORATI       COM    30231G102      2,115       53,668   SH    DEFINED     2       10,112        40,356         3,200
EXXON MOBIL CORPORATI       COM    30231G102     13,109      332,709   SH    DEFINED     1      324,325                       8,384
EXXON MOBIL CORPORATI       COM    30231G102      3,059       77,646   SH    DEFINED     1        6,870        59,928        10,848
EXXON MOBIL CORPORATI       COM    30231G102      7,345      186,424   SH    DEFINED            185,624                         800
EXXON MOBIL CORPORATI       COM    30231G102        146        3,700   SH    DEFINED                            3,700
FPL GROUP, INC.             COM    302571104        155        2,900   SH    DEFINED     2        2,900
FPL GROUP, INC.             COM    302571104         54        1,000   SH    DEFINED     2          500           500
VIACOM INC NON-VOTING       COM    925524308         19          561   SH    DEFINED     1          561
VIACOM INC NON-VOTING       COM    925524308        299        8,680   SH    DEFINED     1        8,680
FANNIE MAE                  COM    313586109        856       10,689   SH    DEFINED     2       10,689
FANNIE MAE                  COM    313586109        436        5,450   SH    DEFINED     2        2,000         3,450
FANNIE MAE                  COM    313586109      8,056      100,628   SH    DEFINED     1      100,178                         450
FANNIE MAE                  COM    313586109        272        3,403   SH    DEFINED     1          420         2,800           183
FANNIE MAE                  COM    313586109        904       11,293   SH    DEFINED             11,293
FANNIE MAE                  COM    313586109         11          141   SH    DEFINED                              141
FIFTH THIRD BANCORP         COM    316773100        304        4,950   SH    DEFINED     2        4,950
FIRST TENNESSEE NATIO       COM    337162101        731       19,744   SH    DEFINED     1                     19,744
FLEETBOSTON FINANCIAL       COM    339030108        143        3,897   SH    DEFINED     2        3,897
FLEETBOSTON FINANCIAL       COM    339030108        109        2,960   SH    DEFINED     2        2,000           200           760
FLEETBOSTON FINANCIAL       COM    339030108      6,134      166,921   SH    DEFINED     1      166,571                         350
FLEETBOSTON FINANCIAL       COM    339030108         64        1,730   SH    DEFINED     1                        900           830
FLEETBOSTON FINANCIAL       COM    339030108        601       16,352   SH    DEFINED             16,352
FLEETBOSTON FINANCIAL       COM    339030108          2           50   SH    DEFINED                               50
FLOWERS FOODS, INC.         COM    343498101        481       13,272   SH    DEFINED     1       13,272
FORD MOTOR COMPANY NE       COM    345370860        952       54,862   SH    DEFINED     1       53,586                       1,276
FORD MOTOR COMPANY NE       COM    345370860        249       14,330   SH    DEFINED     1                     14,330
FORD MOTOR COMPANY NE       COM    345370860        358       20,621   SH    DEFINED             20,621
FORD MOTOR COMPANY NE       COM    345370860          2          100   SH    DEFINED                              100
GPU INCORPORATED            COM    36225X100        198        4,900   SH    DEFINED     2        4,900
GPU INCORPORATED            COM    36225X100        117        2,900   SH    DEFINED     2          900         2,000
GANNETT COMPANY, INC.       COM    364730101        186        3,100   SH    DEFINED     2        3,100
GANNETT COMPANY, INC.       COM    364730101         48          800   SH    DEFINED     2                        800
GENENTECH, INC              COM    368710406        167        3,800   SH    DEFINED     2        3,800
GENENTECH, INC              COM    368710406        163        3,700   SH    DEFINED     2        3,000           700
GENERAL DYNAMICS CORP       COM    369550108        145        1,638   SH    DEFINED     1          300                       1,338
GENERAL DYNAMICS CORP       COM    369550108        113        1,274   SH    DEFINED     1                                    1,274
GENERAL ELECTRIC COMP       COM    369604103      8,242      221,566   SH    DEFINED     2      221,166                         400
GENERAL ELECTRIC COMP       COM    369604103      3,325       89,380   SH    DEFINED     2       27,000        58,780         3,600
GENERAL ELECTRIC COMP       COM    369604103     17,076      459,019   SH    DEFINED     1      433,025                      25,994
GENERAL ELECTRIC COMP       COM    369604103      6,228      167,428   SH    DEFINED     1       26,275       105,588        35,565
GENERAL ELECTRIC COMP       COM    369604103      4,743      127,501   SH    DEFINED            127,501
GENERAL ELECTRIC COMP       COM    369604103        126        3,394   SH    DEFINED              2,400           994
GENERAL MILLS, INC.         COM    370334104      7,504      164,923   SH    DEFINED     1      164,923
GENERAL MILLS, INC.         COM    370334104        909       19,988   SH    DEFINED     1                     19,988
GENERAL MOTORS CORPOR       COM    370442105        208        4,858   SH    DEFINED     1        4,858
GENERAL MOTORS CORPOR       COM    370442105         34          788   SH    DEFINED     1          190                         598
GENUINE PARTS COMPANY       COM    372460105      5,079      159,416   SH    DEFINED     1      159,416
GENUINE PARTS COMPANY       COM    372460105        140        4,386   SH    DEFINED     1        1,686         2,700
GILLETTE CO                 COM    375766102        725       24,315   SH    DEFINED     2       24,315
GILLETTE CO                 COM    375766102        262        8,800   SH    DEFINED     2        7,200         1,600
GILLETTE CO                 COM    375766102         75        2,524   SH    DEFINED     1        2,524
GILLETTE CO                 COM    375766102        489       16,393   SH    DEFINED     1        5,000         8,193         3,200
GLAXO SMITHKLINE PLC        COM    37733W105        509        9,065   SH    DEFINED     2        9,065
GLAXO SMITHKLINE PLC        COM    37733W105        276        4,918   SH    DEFINED     2        3,824         1,094
GOLDFIELD CORP(NEVADA       COM    381370105         74      150,000   SH    DEFINED            150,000
HCA INC                     COM    404119109      1,377       31,085   SH    DEFINED     1       31,085
H J HEINZ COMPANY           COM    423074103        320        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        116        2,750   SH    DEFINED     1        2,750
H J HEINZ COMPANY           COM    423074103        126        3,000   SH    DEFINED     1        3,000
HERSHEY FOODS CORP          COM    427866108        209        3,200   SH    DEFINED              3,200
HEWLETT PACKARD CO          COM    428236103        476       29,650   SH    DEFINED     2       29,350                         300
HEWLETT PACKARD CO          COM    428236103        106        6,600   SH    DEFINED     2        1,600         5,000
HEWLETT PACKARD CO          COM    428236103        556       34,626   SH    DEFINED     1       33,441                       1,185
HEWLETT PACKARD CO          COM    428236103         29        1,810   SH    DEFINED     1          194         1,236           380
HEWLETT PACKARD CO          COM    428236103        545       33,942   SH    DEFINED             33,942
HEWLETT PACKARD CO          COM    428236103          8          474   SH    DEFINED                              474
HOME DEPOT INCORPORAT       COM    437076102        916       23,876   SH    DEFINED     2       23,876
HOME DEPOT INCORPORAT       COM    437076102        719       18,740   SH    DEFINED     2       11,150         7,590
HOME DEPOT INCORPORAT       COM    437076102      6,096      158,865   SH    DEFINED     1      155,465                       3,400
HOME DEPOT INCORPORAT       COM    437076102        403       10,511   SH    DEFINED     1        5,410         3,135         1,966
HOME DEPOT INCORPORAT       COM    437076102      1,298       33,823   SH    DEFINED             33,256                         567
HOME DEPOT INCORPORAT       COM    437076102         39        1,011   SH    DEFINED                            1,011
HONEYWELL INTERNATION       COM    438516106        173        6,562   SH    DEFINED     2        6,562
HONEYWELL INTERNATION       COM    438516106         32        1,200   SH    DEFINED     2                      1,200
HONEYWELL INTERNATION       COM    438516106        599       22,679   SH    DEFINED     1       21,979                         700
HONEYWELL INTERNATION       COM    438516106         13          504   SH    DEFINED     1          364           140
ILLINOIS TOOL WORKS,        COM    452308109        265        4,900   SH    DEFINED     2        4,800                         100
ILLINOIS TOOL WORKS,        COM    452308109        352        6,500   SH    DEFINED     2        5,200         1,300
ILLINOIS TOOL WORKS,        COM    452308109        213        3,943   SH    DEFINED     1        3,653                         290
ILLINOIS TOOL WORKS,        COM    452308109        532        9,828   SH    DEFINED              9,828
ILLINOIS TOOL WORKS,        COM    452308109         14          265   SH    DEFINED                              265
INTEL CORPORATION           COM    458140100      1,867       91,320   SH    DEFINED     2       91,020                         300
INTEL CORPORATION           COM    458140100        761       37,240   SH    DEFINED     2       21,040        16,200
INTEL CORPORATION           COM    458140100      6,043      295,634   SH    DEFINED     1      281,771                      13,863
INTEL CORPORATION           COM    458140100        458       22,425   SH    DEFINED     1        1,018        19,446         1,961
INTEL CORPORATION           COM    458140100      1,170       57,217   SH    DEFINED             57,217
INTEL CORPORATION           COM    458140100         51        2,500   SH    DEFINED                            2,500
INTERNATIONAL BUSINES       COM    459200101      1,139       12,417   SH    DEFINED     2       12,417
INTERNATIONAL BUSINES       COM    459200101        678        7,393   SH    DEFINED     2        3,693         3,700
INTERNATIONAL BUSINES       COM    459200101      4,367       47,617   SH    DEFINED     1       45,412                       2,205
INTERNATIONAL BUSINES       COM    459200101        533        5,808   SH    DEFINED     1        1,200           695         3,913
INTERNATIONAL BUSINES       COM    459200101        699        7,621   SH    DEFINED              6,947                         674
INTERNATIONAL BUSINES       COM    459200101          7           74   SH    DEFINED                               74
INTERNATIONAL PAPER C       COM    460146103      2,244       64,406   SH    DEFINED     1       64,406
INTERNATIONAL PAPER C       COM    460146103        294        8,426   SH    DEFINED     1        7,426         1,000
INTUIT INC                  COM    461202103        644       18,000   SH    DEFINED     1       18,000
J. ALEXANDER CORPORAT       COM    466096104         49       22,080   SH    DEFINED     1       22,080
J P MORGAN CHASE & CO       COM    46625H100        226        6,625   SH    DEFINED     2        6,625
J P MORGAN CHASE & CO       COM    46625H100        149        4,368   SH    DEFINED     2                      4,368
J P MORGAN CHASE & CO       COM    46625H100        382       11,176   SH    DEFINED     1       11,176
J P MORGAN CHASE & CO       COM    46625H100        343       10,030   SH    DEFINED     1        8,550                       1,480
JOHNSON & JOHNSON           COM    478160104        839       15,150   SH    DEFINED     2       15,150
JOHNSON & JOHNSON           COM    478160104        851       15,360   SH    DEFINED     2          400        14,960
JOHNSON & JOHNSON           COM    478160104      9,703      175,138   SH    DEFINED     1      174,538                         600
JOHNSON & JOHNSON           COM    478160104      4,708       84,978   SH    DEFINED     1                     83,414         1,564
JOHNSON & JOHNSON           COM    478160104      1,868       33,723   SH    DEFINED             33,723
JOHNSON & JOHNSON           COM    478160104         29          530   SH    DEFINED                             530
KELLOGG COMPANY             COM    487836108        779       25,956   SH    DEFINED     1       25,956
KIMBERLY CLARK CORP         COM    494368103        936       15,100   SH    DEFINED     2       15,100
KIMBERLY CLARK CORP         COM    494368103        305        4,924   SH    DEFINED     2          200         4,100           624
KIMBERLY CLARK CORP         COM    494368103      1,820       29,360   SH    DEFINED     1       28,760                         600
KIMBERLY CLARK CORP         COM    494368103         76        1,230   SH    DEFINED     1                      1,230
KINDER MORGAN EGY PTN       COM    494550106        211        6,100   SH    DEFINED     1        6,100
KROGER INC                  COM    501044101        230        9,317   SH    DEFINED     1        9,317
LEHMAN BROTHERS HOLDI       COM    524908100        577       10,155   SH    DEFINED     1       10,155
LEHMAN BROTHERS HOLDI       COM    524908100         52          920   SH    DEFINED     1          920
LILLY, ELI & CO             COM    532457108        527        6,525   SH    DEFINED     2        6,525
LILLY, ELI & CO             COM    532457108        480        5,950   SH    DEFINED     2          400         5,550
LILLY, ELI & CO             COM    532457108        260        3,217   SH    DEFINED     1        3,117                         100
LILLY, ELI & CO             COM    532457108         44          540   SH    DEFINED     1                                      540
LILLY, ELI & CO             COM    532457108        670        8,300   SH    DEFINED              8,300
LILLY, ELI & CO             COM    532457108         97        1,200   SH    DEFINED                            1,200
LOCKHEED MARTIN CORPO       COM    539830109        219        5,000   SH    DEFINED     1        5,000
LOWES COMPANIES INC         COM    548661107        298        9,400   SH    DEFINED     2        9,400
LOWES COMPANIES INC         COM    548661107         73        2,300   SH    DEFINED     2          300         2,000
LOWES COMPANIES INC         COM    548661107      1,824       57,635   SH    DEFINED     1       55,245                       2,390
LOWES COMPANIES INC         COM    548661107        335       10,600   SH    DEFINED     1                     10,600
LOWES COMPANIES INC         COM    548661107        567       17,930   SH    DEFINED             17,930
LOWES COMPANIES INC         COM    548661107          3          100   SH    DEFINED                              100
LUCENT TECHNOLOGIES I       COM    549463107         75       13,065   SH    DEFINED     2       13,065
LUCENT TECHNOLOGIES I       COM    549463107        121       21,152   SH    DEFINED     2       10,500        10,092           560
LUCENT TECHNOLOGIES I       COM    549463107        222       38,659   SH    DEFINED     1       37,484                       1,175
LUCENT TECHNOLOGIES I       COM    549463107        166       29,010   SH    DEFINED     1       24,000         2,938         2,072
LUCENT TECHNOLOGIES I       COM    549463107        121       21,181   SH    DEFINED             21,181
LUCENT TECHNOLOGIES I       COM    549463107          9        1,555   SH    DEFINED              1,164           391
MANULIFE FINANCIAL CO       COM    56501R106      4,053      154,637   SH    DEFINED     1      154,637
MARSH & MCLENNAN COMP       COM    571748102        241        2,490   SH    DEFINED     1        2,490
MARRIOTT INTERNATIONA       COM    571903202        411       12,300   SH    DEFINED     1       12,300
MCDONALDS CORP              COM    580135101        377       13,900   SH    DEFINED     2       13,900
MCDONALDS CORP              COM    580135101        206        7,600   SH    DEFINED     2                      7,600
MCDONALDS CORP              COM    580135101        167        6,156   SH    DEFINED     1        5,156                       1,000
MCDONALDS CORP              COM    580135101        217        8,000   SH    DEFINED     1        8,000
MCGRAW HILL COMPANIES       COM    580645109        891       15,302   SH    DEFINED     1       13,744                       1,558
MEDTRONIC INC               COM    585055106        672       15,450   SH    DEFINED     2       15,450
MEDTRONIC INC               COM    585055106        352        8,100   SH    DEFINED     2        5,200         2,900
MEDTRONIC INC               COM    585055106      3,274       75,272   SH    DEFINED     1       73,802                       1,470
MEDTRONIC INC               COM    585055106         47        1,070   SH    DEFINED     1          745           325
MEDTRONIC INC               COM    585055106        760       17,475   SH    DEFINED             17,236                         239
MEDTRONIC INC               COM    585055106         30          689   SH    DEFINED                              689
MERCHANTS BANCSHARES        COM    588448100        328       10,000   SH    DEFINED     2                     10,000
MERCK & CO., INC            COM    589331107      4,005       60,140   SH    DEFINED     2       60,140
MERCK & CO., INC            COM    589331107      1,002       15,037   SH    DEFINED     2        5,600         9,437
MERCK & CO., INC            COM    589331107     10,779      161,851   SH    DEFINED     1      158,232                       3,619
MERCK & CO., INC            COM    589331107      2,357       35,395   SH    DEFINED     1        9,406         6,069        19,920
MERCK & CO., INC            COM    589331107      1,874       28,141   SH    DEFINED             27,645                         496
MERCK & CO., INC            COM    589331107         15          224   SH    DEFINED                              224
MERRILL LYNCH AND CO,       COM    590188108        291        7,156   SH    DEFINED     1        6,580                         576
MERRILL LYNCH AND CO,       COM    590188108         95        2,350   SH    DEFINED     1                      2,350
MERRILL LYNCH AND CO,       COM    590188108        228        5,614   SH    DEFINED              5,614
MERRILL LYNCH AND CO,       COM    590188108         19          480   SH    DEFINED                              480
METLIFE, INC.               COM    59156R108        911       30,660   SH    DEFINED     1       30,660
MICROSOFT CORPORATION       COM    594918104      1,960       38,296   SH    DEFINED     2       38,096                         200
MICROSOFT CORPORATION       COM    594918104        798       15,600   SH    DEFINED     2        3,900        11,700
MICROSOFT CORPORATION       COM    594918104      6,802      132,927   SH    DEFINED     1      127,802                       5,125
MICROSOFT CORPORATION       COM    594918104        427        8,338   SH    DEFINED     1        6,283           370         1,685
MICROSOFT CORPORATION       COM    594918104      1,520       29,706   SH    DEFINED             29,706
MICROSOFT CORPORATION       COM    594918104         35          690   SH    DEFINED                              690
MID-AMERICAN APARTMEN       COM    59522J103         39        1,500   SH    DEFINED     1        1,500
MID-AMERICAN APARTMEN       COM    59522J103        182        7,000   SH    DEFINED     1        7,000
MINNESOTA MINING & MA       COM    604059105        320        3,250   SH    DEFINED     2        3,250
MINNESOTA MINING & MA       COM    604059105        256        2,600   SH    DEFINED     2                      2,600
MINNESOTA MINING & MA       COM    604059105      1,405       14,281   SH    DEFINED     1       14,281
MINNESOTA MINING & MA       COM    604059105        295        3,000   SH    DEFINED     1        2,000           800           200
MIRANT CORPORATION          COM    604675108        152        6,957   SH    DEFINED     2        6,957
MIRANT CORPORATION          COM    604675108        112        5,101   SH    DEFINED     2                      5,101
MIRANT CORPORATION          COM    604675108        607       27,729   SH    DEFINED     1       27,332                         397
MIRANT CORPORATION          COM    604675108        114        5,201   SH    DEFINED     1        3,219         1,982
MORGAN STANLEY DEAN W       COM    617446448         34          725   SH    DEFINED     2          725
MORGAN STANLEY DEAN W       COM    617446448        202        4,360   SH    DEFINED     2        2,000         2,360
MORGAN STANLEY DEAN W       COM    617446448      4,058       87,553   SH    DEFINED     1       87,178                         375
MORGAN STANLEY DEAN W       COM    617446448        109        2,350   SH    DEFINED     1                      2,350
MORGAN STANLEY DEAN W       COM    617446448        875       18,871   SH    DEFINED             18,871
MORGAN STANLEY DEAN W       COM    617446448          1           25   SH    DEFINED                               25
MOTOROLA, INC               COM    620076109        213       13,672   SH    DEFINED     2       13,672
MOTOROLA, INC               COM    620076109        162       10,400   SH    DEFINED     2       10,100           300
MOTOROLA, INC               COM    620076109        726       46,562   SH    DEFINED     1       45,137                       1,425
MOTOROLA, INC               COM    620076109          3          165   SH    DEFINED     1                        165
MOTOROLA, INC               COM    620076109        381       24,410   SH    DEFINED             24,410
MOTOROLA, INC               COM    620076109         11          725   SH    DEFINED                              725
PREFERRED LAND CORP (       COM    629994104          0       15,000   SH    DEFINED     1       15,000
NATIONAL SERVICE INDU       COM    637657107        194        9,416   SH    DEFINED     1        9,416
NATIONAL SERVICE INDU       COM    637657107        103        5,000   SH    DEFINED     1        5,000
NOKIA CORP-SPONSORED        COM    654902204        180       11,520   SH    DEFINED     1       11,520
NOKIA CORP-SPONSORED        COM    654902204          6          410   SH    DEFINED     1          410
NORFOLK SOUTHERN CORP       COM    655844108        199       12,353   SH    DEFINED     1       12,353
NORFOLK SOUTHERN CORP       COM    655844108        116        7,200   SH    DEFINED     1                      4,200         3,000
NORFOLK SOUTHERN CORP       COM    655844108        466       28,932   SH    DEFINED             28,932
NORTEL NETWORKS CORP.       COM    656568102         51        9,110   SH    DEFINED     2        9,110
NORTEL NETWORKS CORP.       COM    656568102         75       13,350   SH    DEFINED     2       10,000         3,350
NORTEL NETWORKS CORP.       COM    656568102        203       36,184   SH    DEFINED     1       36,034                         150
NORTEL NETWORKS CORP.       COM    656568102         16        2,836   SH    DEFINED     1          770           765         1,301
ORACLE CORPORATION          COM    68389X105        601       47,780   SH    DEFINED     2       47,780
ORACLE CORPORATION          COM    68389X105        247       19,600   SH    DEFINED     2       10,000         9,600
ORACLE CORPORATION          COM    68389X105      5,541      440,463   SH    DEFINED     1      429,528                      10,935
ORACLE CORPORATION          COM    68389X105        499       39,679   SH    DEFINED     1       23,065        12,552         4,062
ORACLE CORPORATION          COM    68389X105        712       56,601   SH    DEFINED             55,402                       1,199
ORACLE CORPORATION          COM    68389X105          1          100   SH    DEFINED                              100
PAB BANKSHARES, INC.        COM    69313P101        945       91,742   SH    DEFINED     1       91,592                         150
PPG INDUSTRIES, INC         COM    693506107         73        1,600   SH    DEFINED     2        1,600
PPG INDUSTRIES, INC         COM    693506107        188        4,100   SH    DEFINED     2                      4,100
PPG INDUSTRIES, INC         COM    693506107        293        6,400   SH    DEFINED     1        6,400
PPG INDUSTRIES, INC         COM    693506107        183        4,000   SH    DEFINED     1        4,000
PEPSICO, INC.               COM    713448108      1,051       21,668   SH    DEFINED     2       21,668
PEPSICO, INC.               COM    713448108        276        5,700   SH    DEFINED     2                      5,700
PEPSICO, INC.               COM    713448108        157        3,232   SH    DEFINED     1        3,232
PEPSICO, INC.               COM    713448108        320        6,600   SH    DEFINED     1        6,000           600
PEPSICO, INC.               COM    713448108        793       16,350   SH    DEFINED             16,350
PEPSICO, INC.               COM    713448108         20          420   SH    DEFINED                              420
PFIZER INC                  COM    717081103      2,577       64,254   SH    DEFINED     2       64,254
PFIZER INC                  COM    717081103        785       19,580   SH    DEFINED     2        5,300        12,180         2,100
PFIZER INC                  COM    717081103      5,453      135,997   SH    DEFINED     1      131,257                       4,740
PFIZER INC                  COM    717081103      1,280       31,917   SH    DEFINED     1       13,257        15,846         2,814
PFIZER INC                  COM    717081103      3,882       96,807   SH    DEFINED             96,207                         600
PFIZER INC                  COM    717081103         48        1,188   SH    DEFINED                            1,188
PHARMACIA CORPORATION       COM    71713U102        339        8,349   SH    DEFINED     2        8,349
PHARMACIA CORPORATION       COM    71713U102         41        1,000   SH    DEFINED     2                                    1,000
PHARMACIA CORPORATION       COM    71713U102        272        6,700   SH    DEFINED              6,700
PHILIP MORRIS COMPANI       COM    718154107      2,091       43,300   SH    DEFINED     2       43,300
PHILIP MORRIS COMPANI       COM    718154107        481        9,953   SH    DEFINED     2          400         9,553
PHILIP MORRIS COMPANI       COM    718154107        236        4,890   SH    DEFINED     1        4,890
PHILIP MORRIS COMPANI       COM    718154107        246        5,100   SH    DEFINED     1                        300         4,800
PREPAID LEGAL SERVICE       COM    740065107        420       24,369   SH    DEFINED     1       24,369
PROCTOR & GAMBLE            COM    742718109      2,043       28,069   SH    DEFINED     2       28,069
PROCTOR & GAMBLE            COM    742718109        553        7,600   SH    DEFINED     2        2,000         5,600
PROCTOR & GAMBLE            COM    742718109      4,125       56,673   SH    DEFINED     1       56,023                         650
PROCTOR & GAMBLE            COM    742718109         15          200   SH    DEFINED     1                        200
PROCTOR & GAMBLE            COM    742718109      1,101       15,129   SH    DEFINED             15,129
PROCTOR & GAMBLE            COM    742718109         26          360   SH    DEFINED                              360
PROGRESS ENERGY INC         COM    743263105        236        5,498   SH    DEFINED     1        5,498
PROGRESS ENERGY INC         COM    743263105         60        1,399   SH    DEFINED     1                      1,399
PROVIDIAN FINANCIAL C       COM    74406A102        293       14,552   SH    DEFINED             14,552
QWEST COMMUNICATIONS,       COM    749121109        145        8,697   SH    DEFINED     1        5,567                       3,130
QWEST COMMUNICATIONS,       COM    749121109        105        6,262   SH    DEFINED     1        6,262
REGIONS FINANCIAL COR       COM    758940100      1,450       50,242   SH    DEFINED     1       50,242
ROUSE COMPANY               COM    779273101      1,993       82,465   SH    DEFINED     2       82,465
ROYAL DUTCH PETROLEUM       COM    780257804        146        2,900   SH    DEFINED     2        2,900
ROYAL DUTCH PETROLEUM       COM    780257804        271        5,400   SH    DEFINED     2                      5,400
ROYAL DUTCH PETROLEUM       COM    780257804      3,264       64,955   SH    DEFINED     1       61,755                       3,200
ROYAL DUTCH PETROLEUM       COM    780257804        221        4,400   SH    DEFINED     1                      4,400
ROYAL DUTCH PETROLEUM       COM    780257804        287        5,709   SH    DEFINED              5,709
ROYAL DUTCH PETROLEUM       COM    780257804          6          123   SH    DEFINED                              123
SBC COMMUNICATIONS, I       COM    78387G103      2,547       54,062   SH    DEFINED     2       53,862                         200
SBC COMMUNICATIONS, I       COM    78387G103        432        9,173   SH    DEFINED     2          300         8,873
SBC COMMUNICATIONS, I       COM    78387G103      5,952      126,318   SH    DEFINED     1      122,083                       4,235
SBC COMMUNICATIONS, I       COM    78387G103      1,084       22,995   SH    DEFINED     1       12,458         8,843         1,694
SBC COMMUNICATIONS, I       COM    78387G103      1,630       34,584   SH    DEFINED             34,584
SBC COMMUNICATIONS, I       COM    78387G103         39          835   SH    DEFINED                              835
STANDARD AND POORS TR       COM    78462F103        373        3,568   SH    DEFINED              3,568
STRATEGIC TECHNOLOGIE       COM    786991109          0       38,000   SH    DEFINED     1       38,000
SANFILIPPO JOHN B & S       COM    800422107        371       72,110   SH    DEFINED             72,110
SARA LEE CORPORATION        COM    803111103        246       11,527   SH    DEFINED     2       11,527
SARA LEE CORPORATION        COM    803111103         75        3,500   SH    DEFINED     2                      3,500
SARA LEE CORPORATION        COM    803111103        568       26,686   SH    DEFINED     1       26,686
SARA LEE CORPORATION        COM    803111103        334       15,695   SH    DEFINED     1        8,000                       7,695
SCHERING PLOUGH CORP.       COM    806605101        629       16,950   SH    DEFINED     2       16,950
SCHERING PLOUGH CORP.       COM    806605101        215        5,800   SH    DEFINED     2                      5,800
SCHERING PLOUGH CORP.       COM    806605101      2,825       76,143   SH    DEFINED     1       76,068                          75
SCHERING PLOUGH CORP.       COM    806605101        223        6,000   SH    DEFINED     1        6,000
SCHERING PLOUGH CORP.       COM    806605101      1,416       38,160   SH    DEFINED             38,160
SCHLUMBERGER LTD            COM    806857108        462       10,112   SH    DEFINED     2       10,112
SCHLUMBERGER LTD            COM    806857108        119        2,600   SH    DEFINED     2          200         2,400
SCHLUMBERGER LTD            COM    806857108      3,666       80,226   SH    DEFINED     1       80,101                         125
SCHLUMBERGER LTD            COM    806857108        162        3,545   SH    DEFINED     1        3,545
SCHLUMBERGER LTD            COM    806857108        551       12,064   SH    DEFINED             11,617                         447
SCHLUMBERGER LTD            COM    806857108          6          125   SH    DEFINED                              125
SCHOLASTIC CORPORATIO       COM    807066105        352        8,102   SH    DEFINED     1        8,102
SCIENTIFIC ATLANTA, I       COM    808655104        214       12,200   SH    DEFINED     1       12,200
SERVICEMASTER CO            COM    81760N109        547       49,333   SH    DEFINED     1                     49,333
SHONEYS,INC.                COM    825039100        151      503,100   SH    DEFINED     1      503,100
SHONEYS,INC.                COM    825039100          0        1,080   SH    DEFINED     1        1,080
SONOCO PRODUCTS COMPA       COM    835495102        263       11,180   SH    DEFINED             11,180
SOUTHERN COMPANY            COM    842587107        490       20,426   SH    DEFINED     2       20,426
SOUTHERN COMPANY            COM    842587107        308       12,840   SH    DEFINED     2                     12,840
SOUTHERN COMPANY            COM    842587107      4,819      200,976   SH    DEFINED     1      199,976                       1,000
SOUTHERN COMPANY            COM    842587107        314       13,090   SH    DEFINED     1        8,100         4,990
SOUTHERN COMPANY            COM    842587107        643       26,798   SH    DEFINED             26,798
SOUTHERN COMPANY            COM    842587107        139        5,800   SH    DEFINED                            5,800
SOUTHTRUST CORPORATIO       COM    844730101        216        8,500   SH    DEFINED     2        8,500
SOUTHTRUST CORPORATIO       COM    844730101        255       10,000   SH    DEFINED     2       10,000
SOUTHTRUST CORPORATIO       COM    844730101      3,967      155,751   SH    DEFINED     1      155,751
SOUTHTRUST CORPORATIO       COM    844730101        342       13,446   SH    DEFINED     1                     13,446
SPRINGWOOD RES INC          COM    851903104          0       30,000   SH    DEFINED     2       30,000
SPRINT, CORP                COM    852061100        119        4,950   SH    DEFINED     2        4,950
SPRINT, CORP                COM    852061100        123        5,140   SH    DEFINED     2                      4,300           840
SPRINT, CORP                COM    852061100        482       20,089   SH    DEFINED     1       15,989                       4,100
SPRINT, CORP                COM    852061100        192        8,000   SH    DEFINED     1        8,000
SPRINT CORPORATION SE       COM    852061506        253        9,618   SH    DEFINED     1        8,298                       1,320
SPRINT CORPORATION SE       COM    852061506        105        4,000   SH    DEFINED     1        4,000
STEELCASE INC. CLASS        COM    858155401        219       12,857   SH    DEFINED             12,857
SUMMIT BANK CORPORATI       COM    866013105        270       18,000   SH    DEFINED     1       18,000
SUN MICROSYSTEMS, INC       COM    866810104        363       43,884   SH    DEFINED     2       43,484                         400
SUN MICROSYSTEMS, INC       COM    866810104        191       23,075   SH    DEFINED     2       12,300         9,975           800
SUN MICROSYSTEMS, INC       COM    866810104      1,912      231,157   SH    DEFINED     1      230,407                         750
SUN MICROSYSTEMS, INC       COM    866810104         82        9,952   SH    DEFINED     1        6,056         3,896
SUN MICROSYSTEMS, INC       COM    866810104        862      104,175   SH    DEFINED            104,175
SUN MICROSYSTEMS, INC       COM    866810104          1          100   SH    DEFINED                              100
SUNTRUST BANKS INC          COM    867914103      1,746       26,222   SH    DEFINED     2       26,222
SUNTRUST BANKS INC          COM    867914103        471        7,072   SH    DEFINED     2        3,500         3,140           432
SUNTRUST BANKS INC          COM    867914103     15,431      231,695   SH    DEFINED     1      231,695
SUNTRUST BANKS INC          COM    867914103        399        5,996   SH    DEFINED     1        1,000         4,996
SYNOVUS FINANCIAL COR       COM    87161C105     23,516      852,011   SH    DEFINED     1       15,650       716,268       120,093
SYNOVUS FINANCIAL COR       COM    87161C105    971,507   35,199,516   SH    DEFINED     1   34,437,627        37,150       724,739
SYNOVUS FINANCIAL COR       COM    87161C105        711       25,771   SH    DEFINED     2       25,771
SYNOVUS FINANCIAL COR       COM    87161C105     17,844      646,529   SH    DEFINED     2      498,774                     147,755
SYNOVUS FINANCIAL COR       COM    87161C105      3,738      135,448   SH    DEFINED             40,685        38,451        56,312
SYNOVUS FINANCIAL COR       COM    87161C105      8,152      295,367   SH    DEFINED            295,367
SYSCO CORP                  COM    871829107        252        9,850   SH    DEFINED     1        9,850
TECO ENERGY INC.            COM    872375100        496       18,295   SH    DEFINED     2       18,295
TECO ENERGY INC.            COM    872375100        198        7,300   SH    DEFINED     2        7,300
TARGET CORP                 COM    87612E106        418       13,160   SH    DEFINED     2       13,160
TARGET CORP                 COM    87612E106        578       18,200   SH    DEFINED     2        9,900         8,300
TARGET CORP                 COM    87612E106      4,974      156,670   SH    DEFINED     1      155,350                       1,320
TARGET CORP                 COM    87612E106          7          205   SH    DEFINED     1          205
TARGET CORP                 COM    87612E106        950       29,929   SH    DEFINED             29,929
TARGET CORP                 COM    87612E106         13          425   SH    DEFINED                              425
TELLABS, INC. DELEWAR       COM    879664100      1,853      187,520   SH    DEFINED     1      187,120                         400
TELLABS, INC. DELEWAR       COM    879664100         15        1,480   SH    DEFINED     1        1,480
TELLABS, INC. DELEWAR       COM    879664100        163       16,529   SH    DEFINED             16,529
TELLABS, INC. DELEWAR       COM    879664100          2          250   SH    DEFINED                              250
TEXACO INC                  COM    881694103        197        3,033   SH    DEFINED     2        3,033
TEXACO INC                  COM    881694103        228        3,502   SH    DEFINED     2                      3,502
TEXACO INC                  COM    881694103        425        6,539   SH    DEFINED     1        6,464                          75
TEXACO INC                  COM    881694103         91        1,400   SH    DEFINED     1          200         1,200
TEXACO INC                  COM    881694103        480        7,386   SH    DEFINED              7,386
TEXACO INC                  COM    881694103         60          925   SH    DEFINED                600           325
TEXAS INSTRUMENTS INC       COM    882508104        430       17,225   SH    DEFINED     2       17,225
TEXAS INSTRUMENTS INC       COM    882508104        180        7,200   SH    DEFINED     2        6,800           400
TEXAS INSTRUMENTS INC       COM    882508104      1,872       74,933   SH    DEFINED     1       73,333                       1,600
TEXAS INSTRUMENTS INC       COM    882508104         68        2,704   SH    DEFINED     1        1,054         1,650
TEXAS INSTRUMENTS INC       COM    882508104        259       10,375   SH    DEFINED             10,375
TORCHMARK CORPORATION       COM    891027104        312        8,008   SH    DEFINED     2                      8,008
TOTAL SYSTEM SERVICES       COM    891906109      5,924      239,175   SH    DEFINED     1                    232,440         6,735
TOTAL SYSTEM SERVICES       COM    891906109     45,511    1,837,333   SH    DEFINED     1    1,797,782                      39,551
TYCO INTERNATIONAL LI       COM    902124106      1,174       25,794   SH    DEFINED     2       25,594                         200
TYCO INTERNATIONAL LI       COM    902124106        496       10,900   SH    DEFINED     2        2,700         8,200
TYCO INTERNATIONAL LI       COM    902124106      5,564      122,277   SH    DEFINED     1      121,952                         325
TYCO INTERNATIONAL LI       COM    902124106        182        4,000   SH    DEFINED     1        4,000
TYCO INTERNATIONAL LI       COM    902124106        639       14,038   SH    DEFINED             14,038
TYCO INTERNATIONAL LI       COM    902124106          2           50   SH    DEFINED                               50
U S BANCORP DEL COM         COM    902973304        662       29,838   SH    DEFINED     1       29,838
U S BANCORP DEL COM         COM    902973304        116        5,239   SH    DEFINED     1                      4,560           679
UNITED TECHNOLOGIES C       COM    913017109        258        5,551   SH    DEFINED     2        5,551
UNITED TECHNOLOGIES C       COM    913017109         56        1,200   SH    DEFINED     2                      1,200
UNITED TECHNOLOGIES C       COM    913017109      3,582       77,025   SH    DEFINED     1       77,025
UNITED TECHNOLOGIES C       COM    913017109         12          250   SH    DEFINED     1          100           150
UNITED TECHNOLOGIES C       COM    913017109        326        7,018   SH    DEFINED              6,643                         375
VERIZON COMMUNICATION       COM    92343V104      2,035       37,603   SH    DEFINED     2       37,403                         200
VERIZON COMMUNICATION       COM    92343V104        621       11,476   SH    DEFINED     2        4,400         6,440           636
VERIZON COMMUNICATION       COM    92343V104     10,650      196,815   SH    DEFINED     1      196,188                         627
VERIZON COMMUNICATION       COM    92343V104      1,467       27,120   SH    DEFINED     1       10,283        15,499         1,338
VERIZON COMMUNICATION       COM    92343V104        693       12,807   SH    DEFINED             12,807
VERIZON COMMUNICATION       COM    92343V104        126        2,332   SH    DEFINED              2,332
VIVENDI UNIVERSAL SPO       COM    92851S204        208        4,480   SH    DEFINED     2        4,480
VIVENDI UNIVERSAL SPO       COM    92851S204        149        3,215   SH    DEFINED     2                      3,215
VODAFONE GROUP PLC SP       COM    92857W100        321       14,627   SH    DEFINED     1       14,627
VODAFONE GROUP PLC SP       COM    92857W100         30        1,360   SH    DEFINED     1                      1,360
WACHOVIA CORP 2ND NEW       COM    929903102        172        5,554   SH    DEFINED     2        5,554
WACHOVIA CORP 2ND NEW       COM    929903102        322       10,400   SH    DEFINED     2          400        10,000
WACHOVIA CORP 2ND NEW       COM    929903102      3,413      110,083   SH    DEFINED     1      109,233                         850
WACHOVIA CORP 2ND NEW       COM    929903102        766       24,720   SH    DEFINED     1        5,000         9,852         9,868
WAL-MART STORES, INC.       COM    931142103      3,219       65,032   SH    DEFINED     2       64,732                         300
WAL-MART STORES, INC.       COM    931142103        648       13,100   SH    DEFINED     2        5,200         7,900
WAL-MART STORES, INC.       COM    931142103      5,424      109,569   SH    DEFINED     1      109,469                         100
WAL-MART STORES, INC.       COM    931142103        797       16,101   SH    DEFINED     1        7,185         7,696         1,220
WAL-MART STORES, INC.       COM    931142103      2,647       53,480   SH    DEFINED             53,480
WALGREEN COMPANY            COM    931422109        348       10,110   SH    DEFINED     2       10,110
WALGREEN COMPANY            COM    931422109         86        2,500   SH    DEFINED     2                      2,500
WASHINGTON MUTUAL, IN       COM    939322103         35          900   SH    DEFINED     2          900
WASHINGTON MUTUAL, IN       COM    939322103        266        6,925   SH    DEFINED     2                      6,925
WELLPOINT HEALTH NETW       COM    94973H108        350        3,210   SH    DEFINED     1        3,210
WELLS FARGO & COMPANY       COM    949746101        202        4,550   SH    DEFINED     2        4,550
WELLS FARGO & COMPANY       COM    949746101         91        2,050   SH    DEFINED     2                      2,050
WELLS FARGO & COMPANY       COM    949746101        213        4,800   SH    DEFINED              4,800
WEYERHAEUSER CO             COM    962166104        392        8,053   SH    DEFINED     1        8,053
WEYERHAEUSER CO             COM    962166104        111        2,286   SH    DEFINED     1          330           325         1,631
WINN-DIXIE STORES, IN       COM    974280109         99        8,632   SH    DEFINED     2        8,632
WINN-DIXIE STORES, IN       COM    974280109        366       31,996   SH    DEFINED     2       31,996
WINN-DIXIE STORES, IN       COM    974280109        364       31,832   SH    DEFINED     1       31,832
WINN-DIXIE STORES, IN       COM    974280109         59        5,159   SH    DEFINED              5,159
WINN-DIXIE STORES, IN       COM    974280109         60        5,200   SH    DEFINED              5,200
WORLDCOM INC. GA NEW        COM    98157D106        446       29,675   SH    DEFINED     2       29,175                         500
WORLDCOM INC. GA NEW        COM    98157D106        276       18,321   SH    DEFINED     2       10,300         8,021
WORLDCOM INC. GA NEW        COM    98157D106      2,899      192,740   SH    DEFINED     1      190,840                       1,900
WORLDCOM INC. GA NEW        COM    98157D106          5          345   SH    DEFINED     1                        345
WORLDCOM INC. GA NEW        COM    98157D106        452       30,042   SH    DEFINED             30,042
WORLDCOM INC. GA NEW        COM    98157D106          6          404   SH    DEFINED                              404
XEROX CORP                  COM    984121103        140       18,067   SH    DEFINED     1       18,067
XEROX CORP                  COM    984121103          4          455   SH    DEFINED     1                        320           135