UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 13F Form 13F COVER PAGE Report for the Calendar Year or Quarter Ended: December 31, 2001 Check here if Amendment [ ]: Amendment Number: This Amendment (Check only one): [ ] is a restatement. [ ] adds new holdings entries. Institutional Investment Manager Filing this Report: Name: Synovus Financial Corp. Address: 901 Front Avenue, Suite 202 Columbus, GA 31901 Form 13F File Number: 28-4762 The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: Garilou Page Title: Vice President Phone: 706-649-4793 Signature, Place, and Date of Signing: /s/Garilou Page Columbus, GA February 5, 2002 [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: 759 Form 13F Information Table Value Total: 2,315,941 (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 ABBOTT LABS COM 002824100 3,479 62,400 SH DEFINED 1 62,400 ABBOTT LABS COM 002824100 1,371 24,583 SH DEFINED 2 24,583 ABBOTT LABS COM 002824100 446 8,000 SH DEFINED 2 8,000 ABBOTT LABS COM 002824100 2,348 42,110 SH DEFINED 1 41,810 300 ABBOTT LABS COM 002824100 567 10,170 SH DEFINED 1 3,400 6,770 ABBOTT LABS COM 002824100 1,002 17,967 SH DEFINED 17,967 ABBOTT LABS COM 002824100 3 50 SH DEFINED 50 ACCESS ANYTIME BANCORP COM 00431F105 41 5,160 SH DEFINED 5,160 AFLAC, INCORPORATED COM 001055102 12 503 SH DEFINED 503 AFLAC, INCORPORATED COM 001055102 3,853 156,900 SH DEFINED 1 156,900 AFLAC, INCORPORATED COM 001055102 510 20,750 SH DEFINED 2 20,750 AFLAC, INCORPORATED COM 001055102 20 800 SH DEFINED 2 800 AFLAC, INCORPORATED COM 001055102 23,187 944,088 SH DEFINED 1 940,798 3,290 AFLAC, INCORPORATED COM 001055102 4,709 191,722 SH DEFINED 1 24,648 167,074 AGERE SYSTEM, INC. COM 00845V100 57 10,000 SH DEFINED 1 10,000 AGILENT TECHNOLOGIES, I COM 00846U101 196 6,872 SH DEFINED 1 6,872 AGILENT TECHNOLOGIES, I COM 00846U101 10 343 SH DEFINED 1 108 235 ALCOA INC COM 013817101 564 15,870 SH DEFINED 1 15,870 ALCOA INC COM 013817101 253 7,106 SH DEFINED 1 2,306 4,800 ALLIANCE BANCORP OF NEW COM 01852Q109 36 3,000 SH DEFINED 3,000 ALLSTATE CORPORATION COM 020002101 353 10,476 SH DEFINED 10,476 ALLTEL CORPORATION COM 020039103 322 5,216 SH DEFINED 2 5,216 ALLTEL CORPORATION COM 020039103 105 1,703 SH DEFINED 2 1,400 200 103 ALLTEL CORPORATION COM 020039103 414 6,711 SH DEFINED 1 6,391 320 ALLTEL CORPORATION COM 020039103 302 4,896 SH DEFINED 4,896 AMERICAN INTERNATION COM 026874107 4,391 55,300 SH DEFINED 1 55,300 AMERICAN BANK WATERBURY COM 024CSH983 47 1,496 SH DEFINED 1,496 AMERICAN ELECTRIC POWER COM 025537101 275 6,318 SH DEFINED 2 6,318 AMERICAN ELECTRIC POWER COM 025537101 35 800 SH DEFINED 2 800 AMERICAN ELECTRIC POWER COM 025537101 450 10,336 SH DEFINED 1 10,336 AMERICAN ELECTRIC POWER COM 025537101 120 2,759 SH DEFINED 1 2,759 AMERICAN EXPRESS COMPAN COM 025816109 451 12,631 SH DEFINED 1 12,631 AMERICAN EXPRESS COMPAN COM 025816109 526 14,750 SH DEFINED 1 8,000 2,100 4,650 AMERICAN GENERAL AIRCRA COM 026358994 0 13,000 SH DEFINED 1 13,000 AMERICAN HOME PRODUCT COM 026609107 2,356 38,400 SH DEFINED 1 38,400 AMERICAN HOME PRODUCTS COM 026609107 1,087 17,720 SH DEFINED 2 17,720 AMERICAN HOME PRODUCTS COM 026609107 945 15,400 SH DEFINED 2 14,200 1,200 AMERICAN HOME PRODUCTS COM 026609107 3,965 64,618 SH DEFINED 1 63,888 730 AMERICAN HOME PRODUCTS COM 026609107 233 3,800 SH DEFINED 1 3,800 AMERICAN HOME PRODUCTS COM 026609107 912 14,856 SH DEFINED 14,856 AMERICAN HOME PRODUCTS COM 026609107 5 75 SH DEFINED 75 AMERICAN INTERNATIONAL COM 026874107 1,273 16,038 SH DEFINED 2 16,038 AMERICAN INTERNATIONAL COM 026874107 270 3,404 SH DEFINED 2 150 3,254 AMERICAN INTERNATIONAL COM 026874107 2,168 27,304 SH DEFINED 1 27,079 225 AMERICAN INTERNATIONAL COM 026874107 869 10,940 SH DEFINED 10,940 AMERICAN INTERNATIONAL COM 026874107 12 154 SH DEFINED 154 AMERICANWEST BANCORPORA COM 03058P109 27 2,195 SH DEFINED 2,195 AMGEN INC COM 031162100 288 5,100 SH DEFINED 2 5,100 AMGEN INC COM 031162100 135 2,400 SH DEFINED 2 2,400 AMGEN INC COM 031162100 830 14,706 SH DEFINED 1 14,706 AMGEN INC COM 031162100 694 12,305 SH DEFINED 1 12,305 AMGEN INC COM 031162100 420 7,445 SH DEFINED 7,445 AMGEN INC COM 031162100 29 520 SH DEFINED 520 AMSOUTH BANCORP COM COM 032165102 77 4,100 SH DEFINED 4,100 AMSOUTH BANCORPORATION COM 032165102 19 1,010 SH DEFINED 1,010 AMSOUTH BANCORPORATION COM 032165102 279 14,785 SH DEFINED 14,785 ANHEUSER BUSCH CO INC COM 035229103 2,197 48,600 SH DEFINED 1 48,600 ANHEUSER BUSCH COMPANIE COM 035229103 535 11,830 SH DEFINED 2 11,830 ANHEUSER BUSCH COMPANIE COM 035229103 271 6,000 SH DEFINED 2 4,800 1,200 ANHEUSER BUSCH COMPANIE COM 035229103 471 10,410 SH DEFINED 1 10,135 275 ANHEUSER BUSCH COMPANIE COM 035229103 447 9,888 SH DEFINED 1 8,150 1,738 AOL TIME WARNER COM 00184A105 2,770 86,300 SH DEFINED 1 86,300 AOL TIME WARNER INC COM 00184A105 8 250 SH DEFINED 250 AOL TIME WARNER, INC COM 00184A105 538 16,775 SH DEFINED 2 16,775 AOL TIME WARNER, INC COM 00184A105 138 4,313 SH DEFINED 2 4,175 138 AOL TIME WARNER, INC COM 00184A105 1,718 53,506 SH DEFINED 1 53,506 AOL TIME WARNER, INC COM 00184A105 242 7,554 SH DEFINED 1 6,015 1,539 AOL TIME WARNER, INC COM 00184A105 391 12,172 SH DEFINED 12,172 AOL TIME WARNER, INC COM 00184A105 2 50 SH DEFINED 50 APPLIED MATERIALS INC COM 038222105 428 10,665 SH DEFINED 1 10,665 APPLIED MATERIALS INC COM 038222105 9 225 SH DEFINED 1 225 APPLIED MATERIALS INC C COM 038222105 44 1,100 SH DEFINED 1,100 ARCH COAL, INC. COM 039380100 282 12,442 SH DEFINED 2 12,442 ARCHER-DANIELS-MIDLAND COM 039483102 174 12,102 SH DEFINED 1 12,102 ASHLAND INC COM 044204105 3,196 69,355 SH DEFINED 2 69,355 AT&T CORP COM 001957109 505 27,842 SH DEFINED 2 27,842 AT&T CORP COM 001957109 200 11,048 SH DEFINED 2 11,048 AT&T CORP COM 001957109 1,087 59,933 SH DEFINED 1 58,933 1,000 AT&T CORP COM 001957109 360 19,841 SH DEFINED 1 16,257 3,059 525 AT&T CORP COM 001957109 665 36,659 SH DEFINED 36,659 AT&T CORP COM 001957109 34 1,860 SH DEFINED 1,350 510 AT&T CORP. COM 001957109 21 1,150 SH DEFINED 1,150 AT&T WIRELESS GROUP COM 00209A106 5 370 SH DEFINED 370 AT&T WIRELESS SERVICES COM 00209A106 147 10,219 SH DEFINED 2 10,219 AT&T WIRELESS SERVICES COM 00209A106 51 3,552 SH DEFINED 2 3,552 AT&T WIRELESS SERVICES COM 00209A106 259 18,052 SH DEFINED 1 17,948 104 AT&T WIRELESS SERVICES COM 00209A106 92 6,381 SH DEFINED 1 5,231 982 168 AT&T WIRELESS SERVICES COM 00209A106 163 11,334 SH DEFINED 11,334 AT&T WIRELESS SERVICES COM 00209A106 9 597 SH DEFINED 434 163 AUTO DATA PROCESS COM 053015103 2,014 34,200 SH DEFINED 1 34,200 AUTOMATIC DATA PROCESSI COM 053015103 1,333 22,626 SH DEFINED 2 22,626 AUTOMATIC DATA PROCESSI COM 053015103 459 7,800 SH DEFINED 2 300 7,500 AUTOMATIC DATA PROCESSI COM 053015103 1,651 28,037 SH DEFINED 1 28,037 AUTOMATIC DATA PROCESSI COM 053015103 259 4,400 SH DEFINED 1 4,400 AUTOMATIC DATA PROCESSI COM 053015103 252 4,282 SH DEFINED 4,282 AUTOMATIC DATA PROCESSI COM 053015103 1 25 SH DEFINED 25 AVAYA INC COM 053499109 4 333 SH DEFINED 333 AVERY DENNISON CORPORAT COM 053611109 284 5,032 SH DEFINED 2 5,032 BANCFIRST CORP COM 05945f103 28 800 SH DEFINED 800 BANK OF AMERICA CORP COM 060505104 5,731 91,033 SH DEFINED 2 91,033 BANK OF AMERICA CORP COM 060505104 3,691 58,635 SH DEFINED 2 840 55,538 2,257 BANK OF AMERICA CORP COM 060505104 6,953 110,451 SH DEFINED 1 89,798 20,653 BANK OF AMERICA CORP COM 060505104 747 11,866 SH DEFINED 1 1,488 8,531 1,847 BANK OF AMERICA CORP COM 060505104 3,262 51,818 SH DEFINED 51,818 BANK ONE CORPORATION COM 06423A103 94 2,400 SH DEFINED 2 2,400 BANK ONE CORPORATION COM 06423A103 187 4,783 SH DEFINED 2 4,783 BANK ONE CORPORATION COM 06423A103 254 6,496 SH DEFINED 1 6,496 BANK ONE CORPORATION COM 06423A103 36 912 SH DEFINED 1 912 BAR HARBOUR BANKSHARES COM 066849100 19 1,050 SH DEFINED 1,050 BAXTER INTERNATIONAL COM 071813109 783 14,600 SH DEFINED 1 14,600 BAXTER INTERNATIONAL, I COM 071813109 179 3,338 SH DEFINED 2 3,338 BAXTER INTERNATIONAL, I COM 071813109 161 3,000 SH DEFINED 2 3,000 BAXTER INTERNATIONAL, I COM 071813109 391 7,288 SH DEFINED 1 7,288 BAXTER INTERNATIONAL, I COM 071813109 139 2,600 SH DEFINED 1 1,000 1,600 BB & T CORPORATION COM 054937107 1,335 36,967 SH DEFINED 1 35,487 1,480 BB & T CORPORATION COM 054937107 790 21,871 SH DEFINED 21,871 BELLSOUTH CORPORATION COM 079860102 3,389 88,823 SH DEFINED 2 88,823 BELLSOUTH CORPORATION COM 079860102 670 17,550 SH DEFINED 2 6,100 11,450 BELLSOUTH CORPORATION COM 079860102 4,380 114,803 SH DEFINED 1 106,893 7,910 BELLSOUTH CORPORATION COM 079860102 2,718 71,244 SH DEFINED 1 6,291 60,804 4,149 BELLSOUTH CORPORATION COM 079860102 772 20,249 SH DEFINED 20,069 180 BELLSOUTH CORPORATION COM 079860102 314 8,220 SH DEFINED 2,400 5,820 BERKSHIRE HATHAWAY, INC COM 084670108 2,873 38 SH DEFINED 1 38 BIOGEN INC COM 090597105 40 700 SH DEFINED 1 700 BIOGEN INC COM 090597105 172 3,000 SH DEFINED 1 3,000 BNC CORP INC COM 055936108 25 3,400 SH DEFINED 3,400 BOLLINGER INDUSTRIES IN COM 097676100 3 28,000 SH DEFINED 1 28,000 BOLLINGER INDUSTRIES IN COM 097676993 45 110,000 SH DEFINED 1 110,000 BOSTONFED BANCORP INC COM 101178101 55 2,300 SH DEFINED 2,300 BP P.L.C. COM 055622104 494 10,632 SH DEFINED 2 10,632 BP P.L.C. COM 055622104 264 5,680 SH DEFINED 2 3,896 1,784 BP P.L.C. COM 055622104 2,575 55,370 SH DEFINED 1 53,152 2,218 BP P.L.C. COM 055622104 441 9,480 SH DEFINED 1 4,950 4,530 BP P.L.C. COM 055622104 251 5,386 SH DEFINED 5,288 98 BP P.L.C. COM 055622104 364 7,832 SH DEFINED 7,832 BRISTOL-MYERS SQUIBB CO COM 110122108 1,763 34,577 SH DEFINED 2 34,577 BRISTOL-MYERS SQUIBB CO COM 110122108 733 14,380 SH DEFINED 2 14,380 BRISTOL-MYERS SQUIBB CO COM 110122108 1,722 33,755 SH DEFINED 1 33,055 700 BRISTOL-MYERS SQUIBB CO COM 110122108 889 17,423 SH DEFINED 1 7,830 6,668 2,925 BRISTOL-MYERS SQUIBB CO COM 110122108 1,230 24,117 SH DEFINED 24,117 BRISTOL-MYERS SQUIBB CO COM 110122108 61 1,200 SH DEFINED 1,200 C & F FINANCIAL CORP COM 12466Q104 7 360 SH DEFINED 360 CALIFORNIA INDEP BANCSH COM 991300104 51 2,234 SH DEFINED 2,234 CAMDEN NATL CORP COM 133034108 22 1,200 SH DEFINED 1,200 CANADIAN NATIONAL COM 136375102 805 16,680 SH DEFINED 1 16,680 CANADIAN NATIONAL RAI COM 136375102 2,194 45,450 SH DEFINED 1 45,450 CAPITAL CITY BANK GROUP COM 139674105 492 20,296 SH DEFINED 1 20,296 CAPITAL CROSSING B COM 140071101 35 1,925 SH DEFINED 1,925 CAPITAL MANAGEMENT ASSO COM M00101366 2,150 1 SH DEFINED 1 1 CASCADE BANCORP COM 147154108 31 1,940 SH DEFINED 1,940 CATHAY BANCORP INC COM 149150104 91 1,420 SH DEFINED 1,420 CBNY INVT SVCS CORP RTS COM 14984C997 0 500 SH DEFINED 500 CCBT BANCORP INC COM 12500Q102 33 1,400 SH DEFINED 1,400 CENDANT CORP COM 151313103 78 4,000 SH DEFINED 4,000 CERTEGY INC. COM 156880106 278 8,135 SH DEFINED 1 8,135 CERTEGY INC. COM 156880106 171 5,000 SH DEFINED 1 3,000 2,000 CHEVRONTEXACO CORPORATI COM 166764100 2,558 28,549 SH DEFINED 2 28,549 CHEVRONTEXACO CORPORATI COM 166764100 663 7,396 SH DEFINED 2 1,500 5,896 CHEVRONTEXACO CORPORATI COM 166764100 1,860 20,756 SH DEFINED 1 20,404 352 CHEVRONTEXACO CORPORATI COM 166764100 390 4,348 SH DEFINED 1 2,576 1,372 400 CHEVRONTEXACO CORPORATI COM 166764100 663 7,398 SH DEFINED 7,198 200 CHEVRONTEXACO CORPORATI COM 166764100 135 1,511 SH DEFINED 462 1,049 CHITTENDEN CORP COM 170228100 26 936 SH DEFINED 936 CHUBB CORPORATION COM 171232101 1,316 19,079 SH DEFINED 1 19,079 CHUBB CORPORATION COM 171232101 5,716 82,844 SH DEFINED 1 1,744 81,100 CISCO SYS INC COM 17275R102 53 2,900 SH DEFINED 2,900 CISCO SYSTEMS COM 17275R102 1,042 57,555 SH DEFINED 2 57,555 CISCO SYSTEMS COM 17275R102 144 7,975 SH DEFINED 2 600 7,375 CISCO SYSTEMS COM 17275R102 2,519 139,104 SH DEFINED 1 135,479 3,625 CISCO SYSTEMS COM 17275R102 301 16,616 SH DEFINED 1 6,826 9,790 CISCO SYSTEMS COM 17275R102 1,321 72,964 SH DEFINED 72,964 CISCO SYSTEMS COM 17275R102 5 283 SH DEFINED 283 CISCO SYSTEMS INC COM 17275R102 2,934 162,000 SH DEFINED 1 162,000 CITIGROUP COM 172967101 5,235 103,700 SH DEFINED 1 103,700 CITIGROUP INC COM 172967101 43 850 SH DEFINED 850 CITIGROUP INCORPORATED COM 172967101 1,149 22,768 SH DEFINED 2 22,768 CITIGROUP INCORPORATED COM 172967101 234 4,642 SH DEFINED 2 200 4,442 CITIGROUP INCORPORATED COM 172967101 3,251 64,409 SH DEFINED 1 63,210 1,199 CITIGROUP INCORPORATED COM 172967101 1,527 30,255 SH DEFINED 1 10,669 19,313 273 CITIGROUP INCORPORATED COM 172967101 1,464 28,999 SH DEFINED 28,451 548 CITIGROUP INCORPORATED COM 172967101 42 823 SH DEFINED 823 CITIZENS COMMUNICATIONS COM 17453B101 201 18,851 SH DEFINED 1 18,851 CITY NATIONAL CORP COM 178566105 79 1,690 SH DEFINED 1,690 CLOROX COMPANY COM 189054109 269 6,800 SH DEFINED 1 6,800 CLOROX COMPANY COM 189054109 24 596 SH DEFINED 1 596 COCA COLA CO. COM 191216100 85 1,806 SH DEFINED 1,806 COCA COLA COMPANY COM 191216100 98,610 2,091,402 SH DEFINED 2 2,089,589 1,813 COCA COLA COMPANY COM 191216100 4,250 90,147 SH DEFINED 2 75,000 15,147 COCA COLA COMPANY COM 191216100 440,469 9,341,871 SH DEFINED 1 9,299,256 42,615 COCA COLA COMPANY COM 191216100 26,862 569,712 SH DEFINED 1 80,375 477,486 11,851 COCA COLA COMPANY COM 191216100 1,662 35,254 SH DEFINED 35,254 COCA COLA COMPANY COM 191216100 18 392 SH DEFINED 392 COCA-COLA COMPANY COM 191216100 3,301 70,000 SH DEFINED 1 70,000 COCA-COLA ENTERPRISES I COM 191219104 26,181 1,382,312 SH DEFINED 1 1,382,312 COLGATE PALMOLIVE CO COM 194162103 3,962 68,600 SH DEFINED 1 68,600 COLGATE-PALMOLIVE COMPA COM 194162103 1,478 25,587 SH DEFINED 2 25,587 COLGATE-PALMOLIVE COMPA COM 194162103 46 800 SH DEFINED 2 400 400 COLGATE-PALMOLIVE COMPA COM 194162103 1,827 31,645 SH DEFINED 1 31,445 200 COLGATE-PALMOLIVE COMPA COM 194162103 793 13,728 SH DEFINED 13,728 COLGATE-PALMOLIVE COMPA COM 194162103 9 150 SH DEFINED 150 COLUMBIA BANCORP COM 197227101 37 2,254 SH DEFINED 2,254 COMCAST CORPORATION CLA COM 200300200 229 6,350 SH DEFINED 2 6,350 COMMUNITY BK SYS COM 203607106 47 1,810 SH DEFINED 1,810 COMPAQ COMPUTER CORP COM 204493100 195 19,940 SH DEFINED 1 19,152 788 COMPAQ COMPUTER CORP COM 204493100 59 6,060 SH DEFINED 1 4,000 2,060 COMPASS BANCSHARES INC. COM 20449H109 797 28,147 SH DEFINED 28,147 COMPASS BANKSHARES COM 20449H109 14 495 SH DEFINED 495 CONOCO INC CL B COM 208251504 105 3,700 SH DEFINED 1 3,700 CONOCO INC. COMMON STOC COM 208251504 337 11,900 SH DEFINED 2 11,900 CONOCO INC. COMMON STOC COM 208251504 6 200 SH DEFINED 2 200 CONOCO INC. COMMON STOC COM 208251504 749 26,455 SH DEFINED 1 26,455 CONOCO INC. COMMON STOC COM 208251504 283 10,000 SH DEFINED 1 10,000 CONSOLIDATED EDISON INC COM 209115104 226 5,598 SH DEFINED 2 5,598 CONSOLIDATED EDISON INC COM 209115104 52 1,300 SH DEFINED 2 1,300 CORPAS INVESTMENTS, INC COM 21986N103 0 13,333 SH DEFINED 1 13,333 COUSINS PROPERTIES INCO COM 222795106 91 3,750 SH DEFINED 1 3,750 COUSINS PROPERTIES INCO COM 222795106 207 8,500 SH DEFINED 1 3,000 5,500 CVB FINANCIAL CORP COM 126600105 109 4,638 SH DEFINED 4,638 DARDEN RESTAURANTS INC COM 237194105 1,344 37,952 SH DEFINED 1 37,952 DARDEN RESTAURANTS INC COM 237194105 216 6,100 SH DEFINED 1 6,100 DELL COMPUTER COM 247025109 20 750 SH DEFINED 750 DELL COMPUTER CORP COM 247025109 2,713 99,800 SH DEFINED 1 99,800 DELL COMPUTER CORPORATI COM 247025109 1,052 38,716 SH DEFINED 1 37,716 1,000 DELL COMPUTER CORPORATI COM 247025109 38 1,400 SH DEFINED 1 1,400 DEVELOPERS-INVESTORS,IN COM 232990AA9 456 450,000 SH DEFINED 1 DISNEY (WALT) COMPANY COM 254687106 978 47,200 SH DEFINED 1 47,200 DU PONT (E I) DE NEMO COM 263534109 1,688 39,700 SH DEFINED 1 39,700 DUKE ENERGY CORPORATION COM 264399106 326 8,300 SH DEFINED 2 8,300 DUKE ENERGY CORPORATION COM 264399106 160 4,070 SH DEFINED 2 400 3,670 DUKE ENERGY CORPORATION COM 264399106 302 7,694 SH DEFINED 1 7,694 DUKE ENERGY CORPORATION COM 264399106 287 7,300 SH DEFINED 1 4,000 3,300 DUKE ENERGY CORPORATION COM 264399106 613 15,606 SH DEFINED 15,606 DUKE ENERGY CORPORATION COM 264399106 16 400 SH DEFINED 400 E. I. DUPONT DE NEMOURS COM 263534109 404 9,500 SH DEFINED 2 9,500 E. I. DUPONT DE NEMOURS COM 263534109 40 950 SH DEFINED 2 950 E. I. DUPONT DE NEMOURS COM 263534109 1,419 33,387 SH DEFINED 1 33,047 340 E. I. DUPONT DE NEMOURS COM 263534109 627 14,760 SH DEFINED 1 5,755 9,005 E. I. DUPONT DE NEMOURS COM 263534109 2,391 56,239 SH DEFINED 56,239 E. I. DUPONT DE NEMOURS COM 263534109 23 550 SH DEFINED 550 EARTHLINK INC COM 270321102 12 1,000 SH DEFINED 1,000 EL PASO CORP COM 28336L109 2,183 48,926 SH DEFINED 1 48,926 EL PASO CORPORATION COM 28336L109 1,381 30,951 SH DEFINED 1 30,951 EL PASO CORPORATION COM 28336L109 29 644 SH DEFINED 1 644 EL PASO CORPORATION COM 28336L109 241 5,400 SH DEFINED 5,400 EL PASO CORPORATION COM 28336L109 1 25 SH DEFINED 25 ELECTR DATA SYS COM 285661104 3,969 57,900 SH DEFINED 1 57,900 ELECTRONIC DATA SYSTEMS COM 285661104 462 6,742 SH DEFINED 2 6,742 ELECTRONIC DATA SYSTEMS COM 285661104 27 400 SH DEFINED 2 400 ELECTRONIC DATA SYSTEMS COM 285661104 2,607 38,033 SH DEFINED 1 34,748 3,285 ELECTRONIC DATA SYSTEMS COM 285661104 743 10,844 SH DEFINED 10,844 ELECTRONIC DATA SYSTEMS COM 285661104 14 200 SH DEFINED 200 EMC CORP COM 268648102 611 45,430 SH DEFINED 2 45,430 EMC CORP COM 268648102 79 5,875 SH DEFINED 2 5,875 EMC CORP COM 268648102 949 70,640 SH DEFINED 1 70,540 100 EMC CORP COM 268648102 17 1,265 SH DEFINED 1 1,075 190 EMC CORP/MA COM 268648102 1,681 125,050 SH DEFINED 1 125,050 EMERSON ELECTRIC CO. COM 291011104 263 4,600 SH DEFINED 2 4,600 EMERSON ELECTRIC CO. COM 291011104 274 4,800 SH DEFINED 2 4,800 EMERSON ELECTRIC CO. COM 291011104 1,066 18,670 SH DEFINED 1 18,670 EMERSON ELECTRIC CO. COM 291011104 171 3,000 SH DEFINED 1 3,000 ENERGEN CORPORATION COM 29265N108 40 1,608 SH DEFINED 1,608 ENERGEN CORPORATION COM 29265N108 614 24,905 SH DEFINED 24,905 ENRON CORPORATION COM 293561106 30 49,469 SH DEFINED 48,669 800 ENVIRO-ENERGY CORPORATI COM 29403E101 0 16,600 SH DEFINED 1 16,600 EQUIFAX, INCORPORATED COM 294429105 586 24,270 SH DEFINED 1 24,270 EQUIFAX, INCORPORATED COM 294429105 242 10,000 SH DEFINED 1 6,000 4,000 EXCHANGE BANK SANTA ROS COM 301227203 23 300 SH DEFINED 300 EXXON MOBIL CORPORATI COM 30231G102 4,271 108,684 SH DEFINED 1 108,684 EXXON MOBIL CORPORATION COM 30231G102 6,128 155,930 SH DEFINED 2 155,930 EXXON MOBIL CORPORATION COM 30231G102 2,032 51,710 SH DEFINED 2 2,776 45,734 3,200 EXXON MOBIL CORPORATION COM 30231G102 10,353 263,445 SH DEFINED 1 255,061 8,384 EXXON MOBIL CORPORATION COM 30231G102 3,087 78,546 SH DEFINED 1 8,070 59,628 10,848 EXXON MOBIL CORPORATION COM 30231G102 7,293 185,574 SH DEFINED 184,774 800 EXXON MOBIL CORPORATION COM 30231G102 148 3,775 SH DEFINED 3,775 FANNIE MAE COM 313586109 882 11,089 SH DEFINED 2 11,089 FANNIE MAE COM 313586109 209 2,625 SH DEFINED 2 2,625 FANNIE MAE COM 313586109 3,617 45,503 SH DEFINED 1 45,053 450 FANNIE MAE COM 313586109 271 3,403 SH DEFINED 1 420 2,800 183 FANNIE MAE COM 313586109 916 11,518 SH DEFINED 11,518 FANNIE MAE COM 313586109 15 191 SH DEFINED 191 FANNIE MAE COM 313586109 5,056 63,600 SH DEFINED 1 63,600 FIFTH THIRD BANCORP COM 316773100 282 4,600 SH DEFINED 2 4,600 FIRST BANCORP N C COM 318910106 56 2,492 SH DEFINED 2,492 FIRST FINANCIAL CORP COM 320221104 66 2,100 SH DEFINED 2,100 FIRST KEYSTONE FIN INC COM 320655103 39 2,800 SH DEFINED 2,800 FIRST MIDWEST BANCORP I COM 320867104 15 500 SH DEFINED 500 FIRST NATIONAL CORP COM 320942105 21 1,100 SH DEFINED 1,100 FIRST OAK BROOK BCSHS I COM 335847208 68 2,800 SH DEFINED 2,800 FIRST OF LONG ISLAND CO COM 320734106 23 600 SH DEFINED 600 FIRST STATE BANCORP COM 336453105 10 490 SH DEFINED 490 FIRST TENNESSEE NATIONA COM 337162101 716 19,744 SH DEFINED 1 19,744 FIRST TENNESSEE NATL COM 337162101 54 1,500 SH DEFINED 1,500 FLEET BOSTON FINANCIA COM 339030108 4,252 116,500 SH DEFINED 1 116,500 FLEETBOSTON FINANCIAL C COM 339030108 212 5,800 SH DEFINED 2 5,800 FLEETBOSTON FINANCIAL C COM 339030108 39 1,060 SH DEFINED 2 300 760 FLEETBOSTON FINANCIAL C COM 339030108 2,282 62,511 SH DEFINED 1 62,161 350 FLEETBOSTON FINANCIAL C COM 339030108 63 1,730 SH DEFINED 1 900 830 FLEETBOSTON FINANCIAL C COM 339030108 612 16,777 SH DEFINED 16,777 FLEETBOSTON FINANCIAL C COM 339030108 5 125 SH DEFINED 125 FLORIDA EAST COAST INDU COM 340632207 5 234 SH DEFINED 234 FLOWERS FOODS, INC. 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