SEC Form 4
FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
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 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
1. Name and Address of Reporting Person*
FURR RICHARD L
(Last) (First) (Middle)
111 CORCORAN STREET
(Street)
DURHAM NC 27701
(City) (State) (Zip)
2. Issuer Name and Ticker or Trading Symbol
SUNTRUST BANKS INC [ STI ] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director 10% Owner
X Officer (give title below) Other (specify below)
Executive Vice President
3. Date of Earliest Transaction (Month/Day/Year)
11/19/2004
4. If Amendment, Date of Original Filed (Month/Day/Year)
 6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 11/19/2004 M 4,854 A $20.63 70,915 D
Common Stock 11/19/2004 F 1,418 D $70.6 69,497 D
Common Stock 11/19/2004 M 529 A $26.32 70,026 D
Common Stock 11/19/2004 F 197 D $70.6 69,829 D
Common Stock 11/19/2004 M 6,104 A $32.76 75,933 D
Common Stock 11/19/2004 F 2,832 D $70.6 73,101 D
Common Stock 11/19/2004 M 3,250 A $46.12 76,351 D
Common Stock 11/19/2004 F 2,123 D $70.6 74,228 D
Common Stock 11/19/2004 M 2,001 A $49.97 76,229 D
Common Stock 11/19/2004 F 1,416 D $70.6 74,813 D
Common Stock 12,691 I NCF 401(k) Plan(1)
Common Stock 11,512 I Spouse
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Option(2) $20.63 11/19/2004 M 4,854 03/12/1997 03/12/2006 Common Stock 4,854 $20.63 0 D
Option(2) $26.32 11/19/2004 M 529 03/31/1997 03/31/2007 Common Stock 529 $26.32 17,164 D
Option(2) $32.76 11/19/2004 M 6,104 03/16/2002 03/16/2010 Common Stock 6,104 $32.76 0 D
Option(2) $46.12 11/19/2004 M 3,250 03/17/1999 03/17/2008 Common Stock 3,250 $46.12 0 D
Option(2) $48.33 10/01/2004 01/14/2013 Common Stock 2,069 2,069 D
Option(2) $52.09 10/01/2004 01/15/2012 Common Stock 1,919 1,919 D
Option(2) $32.76 03/16/2001 03/16/2010 Common Stock 17,122 17,122 D
Option(2) $35.58 08/01/2001 08/01/2010 Common Stock 8,351 8,351 D
Option(2) $45.84 03/22/1999 03/22/2009 Common Stock 17,693 17,693 D
Option(2) $46.12 03/05/1999 03/17/2008 Common Stock 14,443 14,443 D
Option(2) $48.33 01/14/2004 01/14/2013 Common Stock 21,045 21,045 D
Option(2) $52.09 01/15/2003 01/15/2012 Common Stock 17,893 17,893 D
Option(3) $49.97 11/19/2004 M 2,001 01/16/2004 01/16/2011 Common Stock 2,001 $49.97 0 D
Option(3) $31.93 07/05/2001 07/05/2010 Common Stock 49,530 49,530 D
Option(3) $49.97 01/16/2002 01/16/2011 Common Stock 16,622 16,622 D
Option(4) $56.17 10/01/2004 01/21/2014 Common Stock 20,456 20,456 D
Option(5) $71.24 10/01/2007 10/01/2014 Common Stock 18,000 18,000 D
Phantom Stock Units(6) (6) (6) (6) Common Stock 6,253 6,253 D
Explanation of Responses:
1. Acquired under the National Commerce Financial Corporation Investment Plan, which will be frozen on 12/31/04.
2. Granted pursuant to the National Commerce Financial Corporation Amended and Restated Long-Term Incentive Plan.
3. Granted pursuant to the National Commerce Financial Corporation 1994 Stock Plan, Amended and Restated.
4. Granted pursuant to the National Commerce Financial Corporation 2003 Stock and Incentive Plan.
5. Granted pursuant to SunTrust Banks, Inc.'s 2004 Stock Plan.
6. Acquired under the National Commerce Financial Corporation Equity Investment Plan, which will be frozen on 12/31/04. These securities convert to common stock on a one-for-one basis.
Remarks:
Margaret U. Hodgson, Attorney-in-Fact for Richard L. Furr 11/23/2004
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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