-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, B8UVO7726bWZcWfSO3hUA9xIuKZhsgKELGLthgF+ll4VS1D0s+TRzF/1IxLPmRef eJCCq+OMsGYd3Cu9u9SBeg== /in/edgar/work/0000018349-00-500016/0000018349-00-500016.txt : 20001031 0000018349-00-500016.hdr.sgml : 20001031 ACCESSION NUMBER: 0000018349-00-500016 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20000930 FILED AS OF DATE: 20001030 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SYNOVUS FINANCIAL CORP CENTRAL INDEX KEY: 0000018349 STANDARD INDUSTRIAL CLASSIFICATION: [6021 ] IRS NUMBER: 581134883 STATE OF INCORPORATION: GA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: SEC FILE NUMBER: 028-04762 FILM NUMBER: 748742 BUSINESS ADDRESS: STREET 1: 901 FRONT AVENUE STREET 2: STE 301 CITY: COLUMBUS STATE: GA ZIP: 31901 BUSINESS PHONE: 7066492267 MAIL ADDRESS: STREET 1: P.O.BOX 120 CITY: COLUMBUS STATE: GA ZIP: 31902 FORMER COMPANY: FORMER CONFORMED NAME: CB&T BANCSHARES INC DATE OF NAME CHANGE: 19890912 13F-HR 1 snv.txt 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, 2000 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 October 30, 2000 [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: 621 Form 13F Information Table Value Total: 2,053,340 (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 Sh/Put Name of Value Shares or Prn Investment Other Voting Authority of Issuer Class Cusip (x$1000) Prn Amt Call Discretion Managers Sole Shared None ABBOTT LABS COM 002824100 162 3,400 SH DEFINED 1 3,400 ABBOTT LABS COM 002824100 454 9,540 SH SOLE 1 9,540 ABBOTT LABS COM 002824100 710 14,930 SH SOLE 14,930 AEGON N V AEGON AME COM 007924103 221 5,952 SH SOLE 5,952 AFLAC, INCORPORATED COM 001055102 6,236 96,496 SH DEFINED 1 13,791 82,705 AFLAC, INCORPORATED COM 001055102 26,368 408,010 SH SOLE 1 406,565 1,445 AGILENT TECHNOLOGIE COM 00846U101 23 462 SH DEFINED 1 108 354 AGILENT TECHNOLOGIE COM 00846U101 3 70 SH DEFINED 70 AGILENT TECHNOLOGIE COM 00846U101 216 4,423 SH SOLE 1 4,240 183 AGILENT TECHNOLOGIE COM 00846U101 233 4,765 SH SOLE 4,765 AIR PRODUCTS & CHEM COM 009158106 1,313 36,480 SH SOLE 1 36,240 240 ALCOA INC COM 013817101 180 7,106 SH DEFINED 1 2,306 4,800 ALCOA INC COM 013817101 402 15,900 SH SOLE 1 15,900 ALLNETSERVICES COM COM 01976N107 3 10,000 SH SOLE 1 10,000 ALLSTATE CORPORATIO COM 020002101 364 10,476 SH SOLE 10,476 ALLTEL CORPORATION COM 020039103 357 6,836 SH SOLE 1 6,516 320 ALLTEL CORPORATION COM 020039103 289 5,546 SH SOLE 5,546 AMERICA ONLINE, INC COM 02364J104 101 1,875 SH DEFINED 1 1,710 125 40 AMERICA ONLINE, INC COM 02364J104 493 9,175 SH SOLE 1 7,175 2,000 AMERICAN BOND FUND COM 097873103 187 14,598 SH SOLE 14,598 AMERICAN ELECTRIC P COM 025537101 104 2,659 SH DEFINED 1 2,659 AMERICAN ELECTRIC P COM 025537101 188 4,800 SH SOLE 1 4,800 AMERICAN EXPRESS CO COM 025816109 641 10,550 SH DEFINED 1 3,800 2,100 4,650 AMERICAN EXPRESS CO COM 025816109 848 13,959 SH SOLE 1 13,959 AMERICAN HIGH-INCOM COM 026547109 328 25,332 SH SOLE 25,332 AMERICAN HOME PRODU COM 026609107 304 5,380 SH DEFINED 1 3,800 1,580 AMERICAN HOME PRODU COM 026609107 5,767 102,186 SH SOLE 1 101,456 730 AMERICAN HOME PRODU COM 026609107 316 5,600 SH SOLE 2 5,600 AMERICAN HOME PRODU COM 026609107 491 8,700 SH SOLE 8,700 AMERICAN INTERNATIO COM 026874107 12 129 SH DEFINED 129 AMERICAN INTERNATIO COM 026874107 302 3,159 SH SOLE 3,159 AMGEN INC COM 031162100 861 12,334 SH DEFINED 1 12,334 AMGEN INC COM 031162100 489 7,000 SH DEFINED 2 7,000 AMGEN INC COM 031162100 36 520 SH DEFINED 520 AMGEN INC COM 031162100 948 13,576 SH SOLE 1 13,576 AMGEN INC COM 031162100 447 6,400 SH SOLE 6,400 AMSOUTH BANCORPORAT COM 032165102 400 32,036 SH SOLE 1 32,036 ANHEUSER BUSCH COMP COM 035229103 339 8,000 SH DEFINED 1 8,000 ANHEUSER BUSCH COMP COM 035229103 51 1,200 SH DEFINED 2 1,200 ANHEUSER BUSCH COMP COM 035229103 245 5,800 SH SOLE 1 5,800 ANHEUSER BUSCH COMP COM 035229103 339 8,000 SH SOLE 2 8,000 APPLIED MATERIALS I COM 038222105 3,427 57,775 SH SOLE 1 57,775 ARCHER-DANIELS-MIDL COM 039483102 182 21,050 SH DEFINED 1 21,050 ARCHER-DANIELS-MIDL COM 039483102 14 1,600 SH SOLE 1 1,600 AT&T CORP COM 001957109 559 19,031 SH DEFINED 1 15,597 3,434 AT&T CORP COM 001957109 52 1,785 SH DEFINED 1,350 435 AT&T CORP COM 001957109 3,023 102,922 SH SOLE 1 102,922 AT&T CORP COM 001957109 514 17,511 SH SOLE 2 17,511 AT&T CORP COM 001957109 650 22,131 SH SOLE 22,131 AUTOMATIC DATA PROC COM 053015103 294 4,400 SH DEFINED 1 4,400 AUTOMATIC DATA PROC COM 053015103 455 6,800 SH DEFINED 2 6,300 500 AUTOMATIC DATA PROC COM 053015103 2,474 36,989 SH SOLE 1 36,989 AUTOMATIC DATA PROC COM 053015103 528 7,900 SH SOLE 2 7,900 BANCORPSOUTH, INC COM 059692103 5,336 371,172 SH SOLE 1 371,172 BANK OF AMERICA COR COM 060505104 483 9,221 SH DEFINED 1 168 5,236 3,817 BANK OF AMERICA COR COM 060505104 761 14,528 SH DEFINED 2 840 11,739 1,949 BANK OF AMERICA COR COM 060505104 4,815 91,938 SH SOLE 1 88,734 3,204 BANK OF AMERICA COR COM 060505104 1,143 21,814 SH SOLE 2 21,814 BANK OF AMERICA COR COM 060505104 2,895 55,278 SH SOLE 53,806 1,472 BANK ONE CORPORATIO COM 06423A103 43 1,132 SH DEFINED 1 1,132 BANK ONE CORPORATIO COM 06423A103 646 16,984 SH SOLE 1 16,764 220 BAXTER INTERNATIONA COM 071813109 104 1,300 SH DEFINED 1 500 800 BAXTER INTERNATIONA COM 071813109 139 1,739 SH SOLE 1 1,739 BB & T CORPORATION COM 054937107 107 3,552 SH DEFINED 1 3,552 BB & T CORPORATION COM 054937107 287 9,541 SH SOLE 1 8,061 1,480 BELLSOUTH CORPORATI COM 079860102 2,930 72,351 SH DEFINED 1 7,455 61,472 3,424 BELLSOUTH CORPORATI COM 079860102 336 8,300 SH DEFINED 2 7,400 900 BELLSOUTH CORPORATI COM 079860102 106 2,620 SH DEFINED 2,400 220 BELLSOUTH CORPORATI COM 079860102 7,177 177,220 SH SOLE 1 172,510 4,710 BELLSOUTH CORPORATI COM 079860102 2,821 69,654 SH SOLE 2 69,654 BELLSOUTH CORPORATI COM 079860102 900 22,222 SH SOLE 22,042 180 BERKSHIRE HATHAWAY, COM 084670108 1,288 20 SH SOLE 1 20 BESTFOODS INCORPORA COM 08658U101 58 800 SH DEFINED 1 800 BESTFOODS INCORPORA COM 08658U101 29 400 SH DEFINED 2 400 BESTFOODS INCORPORA COM 08658U101 5,454 74,973 SH SOLE 1 72,323 2,650 BESTFOODS INCORPORA COM 08658U101 582 8,000 SH SOLE 2 8,000 BESTFOODS INCORPORA COM 08658U101 491 6,750 SH SOLE 6,050 700 BOLLINGER INDUSTRIE COM 097676100 11 28,000 SH SOLE 1 28,000 BOLLINGER INDUSTRIE COM 097676993 45 110,000 SH SOLE 1 110,000 BP AMOCO PLC SPONSO COM 055622104 564 10,643 SH DEFINED 1 5,750 4,893 BP AMOCO PLC SPONSO COM 055622104 428 8,070 SH DEFINED 2 8,070 BP AMOCO PLC SPONSO COM 055622104 5 92 SH DEFINED 92 BP AMOCO PLC SPONSO COM 055622104 4,943 93,256 SH SOLE 1 91,008 2,248 BP AMOCO PLC SPONSO COM 055622104 343 6,470 SH SOLE 2 6,470 BP AMOCO PLC SPONSO COM 055622104 272 5,136 SH SOLE 5,038 98 BRISTOL-MYERS SQUIB COM 110122108 1,104 19,203 SH DEFINED 1 8,650 6,668 3,885 BRISTOL-MYERS SQUIB COM 110122108 5,859 101,903 SH SOLE 1 100,583 700 620 BRISTOL-MYERS SQUIB COM 110122108 1,774 30,847 SH SOLE 2 30,847 BRISTOL-MYERS SQUIB COM 110122108 1,922 33,427 SH SOLE 33,427 BUILDING MATERIALS COM 120113105 89 10,000 SH DEFINED 1 10,000 BUTLER FIFTH GENERA COM 056010309 16,573 225,631 SH SOLE 1 225,631 CENTURY SOUTH BANKS COM 156683104 215 11,689 SH SOLE 1 11,689 CHASE MANHATTAN COR COM 16161A108 218 4,717 SH SOLE 1 4,717 CHEVRON CORPORATION COM 166751107 313 3,670 SH DEFINED 1 2,622 1,048 CHEVRON CORPORATION COM 166751107 443 5,200 SH DEFINED 2 5,200 CHEVRON CORPORATION COM 166751107 3,605 42,289 SH SOLE 1 41,994 295 CHEVRON CORPORATION COM 166751107 1,350 15,832 SH SOLE 2 15,832 CHUBB CORPORATION COM 171232101 6,603 83,444 SH DEFINED 1 1,744 81,700 CHUBB CORPORATION COM 171232101 356 4,500 SH DEFINED 2 4,500 CHUBB CORPORATION COM 171232101 3,474 43,909 SH SOLE 1 43,749 160 CHUBB CORPORATION COM 171232101 28 350 SH SOLE 2 350 CISCO SYSTEMS COM 17275R102 410 7,428 SH DEFINED 1 648 6,780 CISCO SYSTEMS COM 17275R102 431 7,800 SH DEFINED 2 6,400 1,400 CISCO SYSTEMS COM 17275R102 9 158 SH DEFINED 158 CISCO SYSTEMS COM 17275R102 3,775 68,323 SH SOLE 1 66,323 2,000 CISCO SYSTEMS COM 17275R102 518 9,375 SH SOLE 2 9,375 CISCO SYSTEMS COM 17275R102 2,381 43,104 SH SOLE 43,104 CITIGROUP INCORPORA COM 172967101 1,510 27,923 SH DEFINED 1 11,299 16,623 CITIGROUP INCORPORA COM 172967101 32 596 SH DEFINED 596 CITIGROUP INCORPORA COM 172967101 53 973 SH DEFINED 973 CITIGROUP INCORPORA COM 172967101 1,112 20,563 SH SOLE 1 19,563 999 CITIGROUP INCORPORA COM 172967101 1,059 19,590 SH SOLE 19,590 CITIGROUP INCORPORA COM 172967101 284 5,249 SH SOLE 3,095 2,153 CLOROX COMPANY COM 189054109 24 596 SH DEFINED 1 596 CLOROX COMPANY COM 189054109 269 6,800 SH SOLE 1 6,800 COASTAL CORPORATION COM 190441105 3,137 42,322 SH SOLE 1 42,322 COCA COLA COMPANY COM 191216100 26,088 473,257 SH DEFINED 1 46,213 416,723 10,321 COCA COLA COMPANY COM 191216100 4,686 85,000 SH DEFINED 2 85,000 COCA COLA COMPANY COM 191216100 19 342 SH DEFINED 342 COCA COLA COMPANY COM 191216100 450,288 8,168,488 SH SOLE 1 8,112,915 55,573 COCA COLA COMPANY COM 191216100 117,462 2,130,822 SH SOLE 2 2,029,862 100,960 COCA COLA COMPANY COM 191216100 1,319 23,930 SH SOLE 23,930 COLGATE-PALMOLIVE C COM 194162103 255 5,400 SH DEFINED 2 5,400 COLGATE-PALMOLIVE C COM 194162103 2,288 48,483 SH SOLE 1 48,483 COLGATE-PALMOLIVE C COM 194162103 146 3,100 SH SOLE 2 3,100 COLGATE-PALMOLIVE C COM 194162103 444 9,400 SH SOLE 9,400 COMPAQ COMPUTER COR COM 204493100 167 6,060 SH DEFINED 1 4,000 2,060 COMPAQ COMPUTER COR COM 204493100 4,476 162,659 SH SOLE 1 160,976 1,683 CONAGRA, INC. COM 205887102 1,926 96,005 SH SOLE 1 96,005 CONOCO CLASS B COM 208251405 714 26,500 SH SOLE 1 26,500 CONOCO INCORPORATED COM 208251306 261 10,000 SH DEFINED 1 10,000 CORNING INCORPORATE COM 219350105 683 2,300 SH DEFINED 2 2,300 CORNING INCORPORATE COM 219350105 416 1,400 SH SOLE 1 1,400 CORNING INCORPORATE COM 219350105 720 2,425 SH SOLE 2,425 CORPAS INVESTMENTS, COM 21986N103 20 13,333 SH SOLE 1 13,333 COUSINS PROPERTIES COM 222795106 86 2,000 SH DEFINED 1 2,000 COUSINS PROPERTIES COM 222795106 226 5,250 SH SOLE 1 5,250 CP&L ENERGY, INC. COM 12614C106 58 1,400 SH DEFINED 1 1,400 CP&L ENERGY, INC. COM 12614C106 229 5,500 SH SOLE 1 5,500 CUSTOM CAR CARE CO COM 126990100 0 20,000 SH SOLE 1 20,000 DARDEN RESTAURANTS COM 237194105 260 12,500 SH DEFINED 1 8,000 4,500 DARDEN RESTAURANTS COM 237194105 970 46,582 SH SOLE 1 46,582 DELL COMPUTER CORPO COM 247025109 99 3,200 SH DEFINED 1 3,200 DELL COMPUTER CORPO COM 247025109 1,117 36,250 SH SOLE 1 35,150 1,100 DEVELOPERS-INVESTOR COM 232990AA9 456 450,000 SH SOLE 1 DUKE ENERGY CORPORA COM 264399106 665 7,750 SH DEFINED 1 2,000 5,750 DUKE ENERGY CORPORA COM 264399106 34 400 SH DEFINED 2 400 DUKE ENERGY CORPORA COM 264399106 17 200 SH DEFINED 200 DUKE ENERGY CORPORA COM 264399106 171 1,993 SH SOLE 1 1,993 DUKE ENERGY CORPORA COM 264399106 352 4,100 SH SOLE 2 4,100 DUKE ENERGY CORPORA COM 264399106 628 7,320 SH SOLE 7,320 DUN AND BRADSTREET COM 26483B106 138 4,000 SH DEFINED 1 4,000 DUN AND BRADSTREET COM 26483B106 83 2,411 SH SOLE 1 2,411 DUN AND BRADSTREET COM 26483B106 349 10,125 SH SOLE 10,125 E. I. DUPONT DE NEM COM 263534109 491 12,005 SH DEFINED 1 6,100 5,505 400 E. I. DUPONT DE NEM COM 263534109 21 525 SH DEFINED 525 E. I. DUPONT DE NEM COM 263534109 1,463 35,800 SH SOLE 1 35,535 265 E. I. DUPONT DE NEM COM 263534109 2,037 49,839 SH SOLE 49,839 EARTH SCIENCES, INC COM 270312200 3 10,000 SH SOLE 1 10,000 EASTMAN KODAK CO. COM 277461109 205 5,020 SH DEFINED 1 4,000 300 720 EASTMAN KODAK CO. COM 277461109 158 3,877 SH SOLE 1 3,213 664 EATON VANCE MARATHO COM 27826L843 97 10,195 SH SOLE 1 10,195 ECHELON CORPORATION COM 27874N105 217 7,400 SH SOLE 1 7,400 EDISON INTERNATIONA COM 281020107 276 14,285 SH SOLE 2 14,285 EL PASO ENERGY CORP COM 283905107 306 4,960 SH SOLE 4,960 ELECTRONIC DATA SYS COM 285661104 75 1,800 SH DEFINED 1 1,800 ELECTRONIC DATA SYS COM 285661104 17 400 SH DEFINED 2 400 ELECTRONIC DATA SYS COM 285661104 8 200 SH DEFINED 200 ELECTRONIC DATA SYS COM 285661104 3,323 80,082 SH SOLE 1 76,857 3,225 ELECTRONIC DATA SYS COM 285661104 273 6,586 SH SOLE 2 6,586 ELECTRONIC DATA SYS COM 285661104 219 5,276 SH SOLE 5,276 EMC CORP COM 268648102 19 190 SH DEFINED 1 190 EMC CORP COM 268648102 866 8,700 SH DEFINED 2 8,200 500 EMC CORP COM 268648102 492 4,948 SH SOLE 1 4,948 EMC CORP COM 268648102 1,194 12,000 SH SOLE 2 12,000 EMERSON ELECTRIC CO COM 291011104 212 3,160 SH DEFINED 1 3,000 160 EMERSON ELECTRIC CO COM 291011104 20 300 SH DEFINED 2 300 EMERSON ELECTRIC CO COM 291011104 4,273 63,781 SH SOLE 1 63,521 260 EMERSON ELECTRIC CO COM 291011104 235 3,500 SH SOLE 2 3,500 ENRON CORPORATION COM 293561106 4,573 52,179 SH SOLE 51,379 800 EQUIFAX, INCORPORAT COM 294429105 276 10,239 SH DEFINED 1 6,239 4,000 EQUIFAX, INCORPORAT COM 294429105 113 4,200 SH SOLE 1 4,200 EVERGREEN GEORGIA M COM 300237625 178 18,363 SH SOLE 1 18,363 EXXON CORPORATION COM 302290101 201 2,536 SH SOLE 1 2,536 EXXON MOBIL CORPORA COM 30231G102 3,475 39,001 SH DEFINED 1 3,095 30,914 4,992 EXXON MOBIL CORPORA COM 30231G102 545 6,112 SH DEFINED 2 5,056 1,056 EXXON MOBIL CORPORA COM 30231G102 25 277 SH DEFINED 277 EXXON MOBIL CORPORA COM 30231G102 159 1,781 SH DEFINED 1,781 EXXON MOBIL CORPORA COM 30231G102 14,749 165,525 SH SOLE 1 163,636 1,889 EXXON MOBIL CORPORA COM 30231G102 5,069 56,890 SH SOLE 2 56,890 EXXON MOBIL CORPORA COM 30231G102 7,392 82,961 SH SOLE 82,561 400 EXXON MOBIL CORPORA COM 30231G102 248 2,778 SH SOLE 2,778 FANNIE MAE COM 313586109 136 1,900 SH DEFINED 1 1,500 400 FANNIE MAE COM 313586109 368 5,150 SH DEFINED 2 4,300 850 FANNIE MAE COM 313586109 10 141 SH DEFINED 141 FANNIE MAE COM 313586109 5,964 83,413 SH SOLE 1 83,163 250 FANNIE MAE COM 313586109 122 1,700 SH SOLE 2 1,700 FANNIE MAE COM 313586109 495 6,925 SH SOLE 6,925 FEDERATED FUND #09 COM 31428M100 170 16,419 SH DEFINED 1 1,007 15,412 FEDERATED FUND #09 COM 31428M100 151 14,578 SH SOLE 1 14,578 FEDERATED FUND #47 COM 31428P103 325 30,887 SH SOLE 1 30,887 FEDERATED HIGH YIEL COM 314197104 55 7,446 SH DEFINED 1 5,597 1,849 FEDERATED HIGH YIEL COM 314197104 2,149 289,169 SH SOLE 1 275,674 13,495 FEDERATED INCOME TR COM 314199100 323 32,191 SH SOLE 32,191 FEDERATED SHORT TER COM 31420C209 305 35,587 SH SOLE 1 35,587 FIDELITY GOVERNMENT COM 316172105 152 15,824 SH SOLE 15,824 FIDELITY INCOME FUN COM 31617K204 115 10,894 SH DEFINED 1 10,894 FIDELITY INSTITUTIO COM 315809400 11 1,220 SH DEFINED 1 1,220 FIDELITY INSTITUTIO COM 315809400 333 36,532 SH SOLE 1 36,532 FIDELITY INTERMEDIA COM 31617K303 146 15,561 SH DEFINED 1 11,442 4,119 FIDELITY U.S. BOND COM 315911107 143 13,803 SH DEFINED 1 13,803 FIRST AUSTRALIA PRI COM 318653102 60 14,222 SH SOLE 2 14,222 FIRST SOUTHEASTERN COM 303999106 0 12,108 SH SOLE 1 12,108 FIRST TENNESSEE NAT COM 337162101 402 19,744 SH DEFINED 1 19,744 FIRST UNION CORPORA COM 337358105 831 25,808 SH DEFINED 1 5,000 20,808 FIRST UNION CORPORA COM 337358105 386 12,000 SH DEFINED 2 12,000 FIRST UNION CORPORA COM 337358105 840 26,108 SH SOLE 1 26,108 FLEETBOSTON FINANCI COM 339030108 67 1,730 SH DEFINED 1 900 830 FLEETBOSTON FINANCI COM 339030108 3,673 94,180 SH SOLE 1 94,180 FLOWERS INDUSTRIES, COM 343496105 1,215 60,734 SH SOLE 1 60,734 FORD MOTOR COMPANY COM 345370860 85 3,330 SH DEFINED 1 3,330 FORD MOTOR COMPANY COM 345370860 3 100 SH DEFINED 100 FORD MOTOR COMPANY COM 345370860 3,399 133,284 SH SOLE 1 132,183 1,101 FORD MOTOR COMPANY COM 345370860 268 10,517 SH SOLE 10,517 FPL GROUP, INC. COM 302571104 207 3,150 SH SOLE 3,150 FRANKLIN CUSTODIAN COM 353496300 56 24,000 SH SOLE 1 24,000 FRANKLIN TAX FREE T COM 354723702 147 14,095 SH DEFINED 14,095 FRANKLIN TAX FREE T COM 354723702 168 16,075 SH SOLE 1 16,075 GENERAL DYNAMICS CO COM 369550108 123 1,960 SH DEFINED 1 1,960 GENERAL DYNAMICS CO COM 369550108 107 1,708 SH SOLE 1 300 1,408 GENERAL ELECTRIC CO COM 369604103 9,785 169,254 SH DEFINED 1 22,870 106,548 39,836 GENERAL ELECTRIC CO COM 369604103 1,908 33,000 SH DEFINED 2 28,500 4,500 GENERAL ELECTRIC CO COM 369604103 183 3,171 SH DEFINED 2,400 771 GENERAL ELECTRIC CO COM 369604103 35 600 SH DEFINED 600 GENERAL ELECTRIC CO COM 369604103 22,284 385,457 SH SOLE 1 364,345 21,112 GENERAL ELECTRIC CO COM 369604103 9,687 167,565 SH SOLE 2 167,565 GENERAL ELECTRIC CO COM 369604103 6,989 120,896 SH SOLE 118,496 2,400 GENERAL ELECTRIC CO COM 369604103 365 6,318 SH SOLE 6,318 GENERAL MILLS, INC. COM 370334104 1,677 47,238 SH DEFINED 1 24,350 22,888 GENERAL MILLS, INC. COM 370334104 5,406 152,295 SH SOLE 1 152,295 GENERAL MOTORS CORP COM 370442105 117 1,796 SH DEFINED 1 398 800 598 GENERAL MOTORS CORP COM 370442105 195 3,007 SH SOLE 1 3,007 GENERAL MOTORS CORP COM 370442105 260 4,002 SH SOLE 4,002 GENRAD, INCORPORATE COM 372447102 198 18,000 SH SOLE 1 18,000 GENUINE PARTS COMPA COM 372460105 84 4,386 SH DEFINED 1 1,686 2,700 GENUINE PARTS COMPA COM 372460105 844 44,274 SH SOLE 1 44,274 GEORGIA PACIFIC COR COM 373298108 33 1,404 SH DEFINED 1,404 GEORGIA PACIFIC COR COM 373298108 352 14,964 SH SOLE 14,824 140 GEORGIA PACIFIC TIM COM 373298702 19 702 SH DEFINED 702 GEORGIA PACIFIC TIM COM 373298702 201 7,482 SH SOLE 7,412 70 GILLETTE CO COM 375766102 575 18,625 SH DEFINED 1 6,600 8,825 3,200 GILLETTE CO COM 375766102 137 4,433 SH SOLE 1 3,090 1,343 GPU INCORPORATED COM 36225X100 29 900 SH DEFINED 2 900 GPU INCORPORATED COM 36225X100 250 7,700 SH SOLE 1 7,700 GPU INCORPORATED COM 36225X100 172 5,300 SH SOLE 2 5,300 H J HEINZ COMPANY COM 423074103 248 6,700 SH DEFINED 1 3,000 3,700 H J HEINZ COMPANY COM 423074103 7 200 SH DEFINED 2 200 H J HEINZ COMPANY COM 423074103 52 1,392 SH SOLE 1 1,392 H J HEINZ COMPANY COM 423074103 274 7,400 SH SOLE 2 7,400 HALLIBURTON COMPANY COM 406216101 69 1,415 SH DEFINED 2 1,175 240 HALLIBURTON COMPANY COM 406216101 332 6,776 SH SOLE 1 6,776 HALLIBURTON COMPANY COM 406216101 241 4,920 SH SOLE 2 4,920 HCA-THE HEALTHCARE COM 404119109 1,154 31,085 SH SOLE 1 31,085 HEWLETT PACKARD CO COM 428236103 168 1,719 SH DEFINED 1 597 932 190 HEWLETT PACKARD CO COM 428236103 93 950 SH DEFINED 2 900 50 HEWLETT PACKARD CO COM 428236103 21 212 SH DEFINED 212 HEWLETT PACKARD CO COM 428236103 5,480 56,209 SH SOLE 1 55,729 480 HEWLETT PACKARD CO COM 428236103 605 6,200 SH SOLE 2 6,200 HEWLETT PACKARD CO COM 428236103 1,246 12,781 SH SOLE 12,781 HOME DEPOT INCORPOR COM 437076102 499 9,431 SH DEFINED 1 3,420 4,280 1,731 HOME DEPOT INCORPOR COM 437076102 619 11,690 SH DEFINED 2 11,150 540 HOME DEPOT INCORPOR COM 437076102 54 1,011 SH DEFINED 1,011 HOME DEPOT INCORPOR COM 437076102 7,175 135,537 SH SOLE 1 133,187 2,350 HOME DEPOT INCORPOR COM 437076102 566 10,700 SH SOLE 2 10,700 HOME DEPOT INCORPOR COM 437076102 1,442 27,246 SH SOLE 27,246 HONEYWELL INTERNATI COM 438516106 25 692 SH DEFINED 1 552 140 HONEYWELL INTERNATI COM 438516106 12 330 SH DEFINED 330 HONEYWELL INTERNATI COM 438516106 2,671 74,967 SH SOLE 1 73,797 1,170 HONEYWELL INTERNATI COM 438516106 256 7,175 SH SOLE 7,175 HOUSEHOLD INTERNATI COM 441815107 85 1,500 SH DEFINED 1 1,500 HOUSEHOLD INTERNATI COM 441815107 171 3,014 SH SOLE 1 3,014 ILLINOIS TOOL WORKS COM 452308109 291 5,200 SH DEFINED 2 5,200 ILLINOIS TOOL WORKS COM 452308109 15 265 SH DEFINED 265 ILLINOIS TOOL WORKS COM 452308109 2,169 38,815 SH SOLE 1 38,525 290 ILLINOIS TOOL WORKS COM 452308109 134 2,400 SH SOLE 2 2,400 ILLINOIS TOOL WORKS COM 452308109 367 6,572 SH SOLE 6,572 IMPERIAL SUGAR CO. COM 453096109 11 10,000 SH DEFINED 1 10,000 INTEL CORPORATION COM 458140100 949 22,826 SH DEFINED 1 1,784 19,516 1,526 INTEL CORPORATION COM 458140100 923 22,200 SH DEFINED 2 21,400 800 INTEL CORPORATION COM 458140100 100 2,400 SH DEFINED 2,400 INTEL CORPORATION COM 458140100 8,544 205,560 SH SOLE 1 192,872 12,688 INTEL CORPORATION COM 458140100 2,375 57,150 SH SOLE 2 54,950 2,200 INTEL CORPORATION COM 458140100 1,549 37,275 SH SOLE 37,275 INTERNATIONAL BUSIN COM 459200101 728 6,466 SH DEFINED 1 1,200 695 4,571 INTERNATIONAL BUSIN COM 459200101 529 4,693 SH DEFINED 2 4,693 INTERNATIONAL BUSIN COM 459200101 6 49 SH DEFINED 49 INTERNATIONAL BUSIN COM 459200101 35 310 SH DEFINED 310 INTERNATIONAL BUSIN COM 459200101 5,401 47,952 SH SOLE 1 45,522 2,430 INTERNATIONAL BUSIN COM 459200101 412 3,654 SH SOLE 2 3,654 INTERNATIONAL BUSIN COM 459200101 507 4,499 SH SOLE 3,607 892 INTERNATIONAL BUSIN COM 459200101 370 3,288 SH SOLE 2,656 632 INTERNATIONAL PAPER COM 460146103 242 8,426 SH DEFINED 1 7,426 1,000 INTERNATIONAL PAPER COM 460146103 60 2,100 SH SOLE 1 2,100 INTUIT INC COM 461202103 1,026 18,000 SH DEFINED 1 18,000 J. P. MORGAN & CO., COM 616880100 245 1,500 SH DEFINED 1 1,500 J. P. MORGAN & CO., COM 616880100 392 2,400 SH SOLE 1 2,400 JANUS FLEXIBLE INCO COM 471023606 108 11,966 SH DEFINED 1 6,084 5,881 JDS UNIPHASE CORPOR COM 46612J101 284 3,000 SH SOLE 1 3,000 JEFFERSON-PILOT COR COM 475070108 362 5,334 SH SOLE 5,334 JOHNSON & JOHNSON COM 478160104 4,513 48,042 SH DEFINED 1 1,600 45,742 700 JOHNSON & JOHNSON COM 478160104 19 200 SH DEFINED 2 200 JOHNSON & JOHNSON COM 478160104 23 240 SH DEFINED 240 JOHNSON & JOHNSON COM 478160104 8,345 88,833 SH SOLE 1 88,833 JOHNSON & JOHNSON COM 478160104 256 2,725 SH SOLE 2 2,725 JOHNSON & JOHNSON COM 478160104 1,033 11,000 SH SOLE 11,000 KELLOGG COMPANY COM 487836108 720 29,752 SH SOLE 1 29,752 KEMPER INSURED CORP COM 487903239 19 74,975 SH SOLE 1 74,975 KEMPER INSURED CORP COM 487903312 14 20,262 SH SOLE 1 20,262 KIMBERLY CLARK CORP COM 494368103 69 1,230 SH DEFINED 1 1,230 KIMBERLY CLARK CORP COM 494368103 68 1,224 SH DEFINED 2 200 400 624 KIMBERLY CLARK CORP COM 494368103 4,328 77,536 SH SOLE 1 77,136 400 KIMBERLY CLARK CORP COM 494368103 240 4,300 SH SOLE 2 4,300 LEHMAN BROTHERS HOL COM 524908100 30 200 SH DEFINED 1 200 LEHMAN BROTHERS HOL COM 524908100 337 2,265 SH SOLE 1 2,265 LEXMARK INTERNATION COM 529771107 199 5,300 SH DEFINED 2 5,000 300 LEXMARK INTERNATION COM 529771107 109 2,900 SH SOLE 2 2,900 LIBERTY-STEIN ROE I COM 53127P101 129 13,908 SH DEFINED 1 13,908 LILLY, ELI & CO COM 532457108 673 8,300 SH SOLE 8,300 LOUISIANA PACIFIC C COM 546347105 8 900 SH DEFINED 900 LOUISIANA PACIFIC C COM 546347105 150 16,278 SH SOLE 16,278 LOWES COMPANIES INC COM 548661107 238 5,300 SH DEFINED 1 5,300 LOWES COMPANIES INC COM 548661107 3,475 77,438 SH SOLE 1 76,243 1,195 LUCENT TECHNOLOGIES COM 549463107 711 23,314 SH DEFINED 1 11,500 9,194 2,620 LUCENT TECHNOLOGIES COM 549463107 194 6,360 SH DEFINED 2 5,700 100 560 LUCENT TECHNOLOGIES COM 549463107 46 1,505 SH DEFINED 1,164 341 LUCENT TECHNOLOGIES COM 549463107 1,093 35,844 SH SOLE 1 35,344 500 LUCENT TECHNOLOGIES COM 549463107 334 10,963 SH SOLE 2 10,963 LUCENT TECHNOLOGIES COM 549463107 468 15,335 SH SOLE 15,335 MANULIFE FINANCIAL COM 56501R106 3,258 157,001 SH SOLE 1 157,001 MARRIOTT INTERNATIO COM 571903202 44 1,200 SH DEFINED 1 1,200 MARRIOTT INTERNATIO COM 571903202 285 7,825 SH DEFINED 2 7,400 425 MARRIOTT INTERNATIO COM 571903202 3,379 92,725 SH SOLE 1 92,725 MARRIOTT INTERNATIO COM 571903202 248 6,800 SH SOLE 2 6,800 MCDONALDS CORP COM 580135101 296 9,800 SH DEFINED 1 9,800 MCDONALDS CORP COM 580135101 6 200 SH DEFINED 2 200 MCDONALDS CORP COM 580135101 238 7,885 SH SOLE 1 7,285 600 MCDONALDS CORP COM 580135101 211 7,000 SH SOLE 2 7,000 MCGRAW HILL COMPANI COM 580645109 1,045 16,445 SH SOLE 1 14,815 1,630 MEDTRONIC INC COM 585055106 74 1,425 SH DEFINED 1 1,100 325 MEDTRONIC INC COM 585055106 321 6,200 SH DEFINED 2 6,200 MEDTRONIC INC COM 585055106 34 664 SH DEFINED 664 MEDTRONIC INC COM 585055106 26 510 SH DEFINED 510 MEDTRONIC INC COM 585055106 5,717 110,340 SH SOLE 1 108,870 1,470 MEDTRONIC INC COM 585055106 451 8,700 SH SOLE 2 8,700 MEDTRONIC INC COM 585055106 584 11,275 SH SOLE 11,275 MEDTRONIC INC COM 585055106 181 3,500 SH SOLE 1,792 1,708 MERCHANTS BANCSHARE COM 588448100 218 10,000 SH DEFINED 2 10,000 MERCK & CO., INC COM 589331107 3,118 41,884 SH DEFINED 1 9,880 12,044 19,960 MERCK & CO., INC COM 589331107 480 6,450 SH DEFINED 2 5,600 850 MERCK & CO., INC COM 589331107 7 100 SH DEFINED 100 MERCK & CO., INC COM 589331107 10,031 134,759 SH SOLE 1 131,894 2,865 MERCK & CO., INC COM 589331107 3,151 42,331 SH SOLE 2 42,331 MERCK & CO., INC COM 589331107 1,928 25,895 SH SOLE 25,895 MERCK & CO., INC COM 589331107 222 2,984 SH SOLE 2,041 943 MERRILL LYNCH AND C COM 590188108 32 480 SH DEFINED 480 MERRILL LYNCH AND C COM 590188108 294 4,460 SH SOLE 4,460 MFS GEORGIA MUNICIP COM 55273N756 264 25,427 SH SOLE 1 25,427 MFS MUN SER TR COM 55273N863 205 17,513 SH SOLE 17,513 MFS MUNICIPAL HIGH COM 552984304 130 15,909 SH SOLE 1 15,909 MICROSOFT CORPORATI COM 594918104 525 8,698 SH DEFINED 1 5,193 220 3,285 MICROSOFT CORPORATI COM 594918104 33 550 SH DEFINED 2 550 MICROSOFT CORPORATI COM 594918104 37 615 SH DEFINED 615 MICROSOFT CORPORATI COM 594918104 3,582 59,384 SH SOLE 1 54,384 5,000 MICROSOFT CORPORATI COM 594918104 846 14,030 SH SOLE 2 14,030 MICROSOFT CORPORATI COM 594918104 1,344 22,285 SH SOLE 22,285 MINNESOTA MINING & COM 604059105 255 2,800 SH DEFINED 1 2,000 800 MINNESOTA MINING & COM 604059105 800 8,778 SH SOLE 1 8,778 MINNESOTA MINING & COM 604059105 316 3,470 SH SOLE 3,470 MORGAN STANLEY DEAN COM 617446448 274 3,000 SH DEFINED 2 3,000 MORGAN STANLEY DEAN COM 617446448 1,170 12,801 SH SOLE 12,801 MOTOROLA, INC COM 620076109 51 1,719 SH DEFINED 1 1,554 165 MOTOROLA, INC COM 620076109 239 8,100 SH DEFINED 2 8,100 MOTOROLA, INC COM 620076109 20 675 SH DEFINED 675 MOTOROLA, INC COM 620076109 15 516 SH DEFINED 516 MOTOROLA, INC COM 620076109 5,631 190,880 SH SOLE 1 189,830 1,050 MOTOROLA, INC COM 620076109 191 6,472 SH SOLE 2 6,472 MOTOROLA, INC COM 620076109 308 10,425 SH SOLE 10,425 MOTOROLA, INC COM 620076109 197 6,669 SH SOLE 6,669 NASDAQ 100 TRUST UN COM 631100104 528 5,940 SH DEFINED 1 5,940 NATIONAL DEPENDENT COM 629005109 0 282,992 SH SOLE 1 282,992 NOKIA CORP-SPONSORE COM 654902204 24 610 SH DEFINED 1 610 NOKIA CORP-SPONSORE COM 654902204 325 8,130 SH SOLE 1 8,130 NORFOLK SOUTHERN CO COM 655844108 105 7,200 SH DEFINED 1 4,200 3,000 NORFOLK SOUTHERN CO COM 655844108 282 19,250 SH SOLE 1 19,250 NORFOLK SOUTHERN CO COM 655844108 561 38,367 SH SOLE 38,367 NORTEL NETWORKS COR COM 656568102 26 440 SH DEFINED 1 310 130 NORTEL NETWORKS COR COM 656568102 357 6,000 SH DEFINED 2 6,000 NORTEL NETWORKS COR COM 656568102 484 8,134 SH SOLE 1 8,134 NORTEL NETWORKS COR COM 656568102 167 2,800 SH SOLE 2 2,800 NUVEEN FLAGSHIP MUL COM 67065P600 146 14,055 SH SOLE 1 14,055 NUVEEN PERFORMANCE COM 67062P108 245 20,019 SH SOLE 1 20,019 ORACLE CORPORATION COM 68389X105 1,344 17,065 SH DEFINED 1 12,285 4,286 494 ORACLE CORPORATION COM 68389X105 299 3,800 SH DEFINED 2 3,800 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COM 713448108 354 7,700 SH DEFINED 1 7,100 600 PEPSICO, INC. COM 713448108 19 420 SH DEFINED 420 PEPSICO, INC. COM 713448108 101 2,196 SH SOLE 1 2,196 PEPSICO, INC. COM 713448108 913 19,850 SH SOLE 19,850 PFIZER INC COM 717081103 1,066 23,741 SH DEFINED 1 15,542 4,516 3,683 PFIZER INC COM 717081103 36 800 SH DEFINED 2 800 PFIZER INC COM 717081103 45 1,011 SH DEFINED 1,011 PFIZER INC COM 717081103 6,004 133,656 SH SOLE 1 129,206 4,450 PFIZER INC COM 717081103 2,223 49,494 SH SOLE 2 49,494 PFIZER INC COM 717081103 3,179 70,780 SH SOLE 70,180 600 PHARMACIA CORPORATI COM 71713U102 48 800 SH DEFINED 1 800 PHARMACIA CORPORATI COM 71713U102 234 3,881 SH SOLE 1 3,261 620 PHARMACIA CORPORATI COM 71713U102 542 9,000 SH SOLE 9,000 PHILIP MORRIS COMPA COM 718154107 150 5,100 SH DEFINED 1 300 4,800 PHILIP MORRIS COMPA COM 718154107 12 400 SH DEFINED 2 400 PHILIP MORRIS COMPA COM 718154107 489 16,600 SH SOLE 1 16,600 PHILIP MORRIS COMPA COM 718154107 1,002 34,050 SH SOLE 2 34,050 PIMCO FUNDS LOW DUR COM 693390304 317 32,127 SH SOLE 1 32,127 PIMCO FUNDS PACIFIC COM 693390551 180 18,304 SH SOLE 18,304 PPG INDUSTRIES, INC COM 693506107 159 4,000 SH DEFINED 1 4,000 PPG INDUSTRIES, INC COM 693506107 262 6,600 SH SOLE 1 6,600 PREFERRED LAND CORP COM 629994104 0 15,000 SH SOLE 1 15,000 PREPAID LEGAL SERVI COM 740065107 787 24,369 SH SOLE 1 24,369 PROCTOR & GAMBLE COM 742718109 74 1,100 SH DEFINED 1 600 500 PROCTOR & GAMBLE COM 742718109 24 360 SH DEFINED 360 PROCTOR & GAMBLE COM 742718109 3,184 47,529 SH SOLE 1 47,254 275 PROCTOR & GAMBLE COM 742718109 1,085 16,199 SH SOLE 2 16,199 PROCTOR & GAMBLE COM 742718109 375 5,596 SH SOLE 5,596 PROVIDIAN FINANCIAL COM 74406A102 76 601 SH DEFINED 1 601 PROVIDIAN FINANCIAL COM 74406A102 242 1,909 SH SOLE 1 1,909 PROVIDIAN FINANCIAL COM 74406A102 650 5,122 SH SOLE 5,122 PRUDENTIAL MUNI BON COM 74435L202 110 10,746 SH SOLE 1 10,746 PUTNAM TAX EXEMPT I COM 746870104 192 22,547 SH SOLE 1 22,547 QUALCOMM CORP COM 747525103 4 60 SH DEFINED 1 60 QUALCOMM CORP COM 747525103 197 2,758 SH SOLE 1 2,358 400 QWEST COMMUNICATION COM 749121109 385 7,991 SH DEFINED 1 6,262 1,729 QWEST COMMUNICATION COM 749121109 271 5,621 SH SOLE 1 4,621 1,000 REGIONS FINANCIAL C COM 758940100 333 14,662 SH SOLE 1 14,662 RELIANT ENERGY INC. COM 75952J108 2,696 57,970 SH SOLE 1 57,970 ROYAL DUTCH PETROLE COM 780257804 312 5,200 SH DEFINED 1 5,200 ROYAL DUTCH PETROLE COM 780257804 274 4,575 SH SOLE 1 4,575 SARA LEE CORPORATIO COM 803111103 264 13,000 SH DEFINED 1 8,000 5,000 SARA LEE CORPORATIO COM 803111103 2,351 115,722 SH SOLE 1 114,972 750 SARA LEE CORPORATIO COM 803111103 247 12,140 SH SOLE 12,140 SBC COMMUNICATIONS, COM 78387G103 1,299 26,038 SH DEFINED 1 12,458 10,227 3,353 SBC COMMUNICATIONS, COM 78387G103 65 1,300 SH DEFINED 2 300 1,000 SBC COMMUNICATIONS, COM 78387G103 42 835 SH DEFINED 835 SBC COMMUNICATIONS, COM 78387G103 8,030 161,001 SH SOLE 1 156,542 4,459 SBC COMMUNICATIONS, COM 78387G103 606 12,156 SH SOLE 2 12,156 SBC COMMUNICATIONS, COM 78387G103 1,160 23,268 SH SOLE 23,268 SCHERING PLOUGH COR COM 806605101 1,979 42,500 SH DEFINED 1 1,900 40,600 SCHERING PLOUGH COR COM 806605101 910 19,533 SH SOLE 1 19,533 SCHERING PLOUGH COR COM 806605101 1,083 23,266 SH SOLE 2 23,266 SCHERING PLOUGH COR COM 806605101 1,620 34,800 SH SOLE 34,800 SCHLUMBERGER LTD COM 806857108 49 600 SH DEFINED 2 200 400 SCHLUMBERGER LTD COM 806857108 10 125 SH DEFINED 125 SCHLUMBERGER LTD COM 806857108 3,832 46,550 SH SOLE 1 46,550 SCHLUMBERGER LTD COM 806857108 716 8,700 SH SOLE 2 8,700 SCHLUMBERGER LTD COM 806857108 558 6,785 SH SOLE 6,785 SCHOLASTIC CORPORAT COM 807066105 322 4,051 SH SOLE 1 4,051 SEAGRAM LIMITED COM 811850106 322 5,600 SH SOLE 2 5,600 SELIGMAN INCOME FUN COM 816338107 186 13,837 SH SOLE 13,837 SELIGMAN MUNICIPAL COM 816346811 274 35,795 SH SOLE 35,795 SERVICEMASTER CO COM 81760N109 487 49,333 SH DEFINED 1 49,333 SERVICEMASTER CO COM 81760N109 4 356 SH SOLE 1 356 SMITHKLINE BEECHAM COM 832378301 261 3,800 SH DEFINED 2 3,800 SMITHKLINE BEECHAM COM 832378301 288 4,200 SH SOLE 2 4,200 SONOCO PRODUCTS COM COM 835495102 202 11,180 SH DEFINED 11,180 SOUTHEASTERN FACTOR COM 784991101 0 14,700 SH SOLE 1 14,700 SOUTHERN COMPANY COM 842587107 441 13,590 SH DEFINED 1 4,100 9,490 SOUTHERN COMPANY COM 842587107 3,584 110,442 SH SOLE 1 110,442 SOUTHERN COMPANY COM 842587107 288 8,862 SH SOLE 2 8,862 SOUTHERN COMPANY COM 842587107 208 6,400 SH SOLE 4,400 2,000 SOUTHTRUST CORPORAT COM 844730101 8 241 SH DEFINED 1 241 SOUTHTRUST CORPORAT COM 844730101 314 10,000 SH DEFINED 2 10,000 SOUTHTRUST CORPORAT COM 844730101 209 6,658 SH SOLE 1 6,658 SOUTHTRUST CORPORAT COM 844730101 148 4,700 SH SOLE 2 4,700 SPRINT CORPORATION COM 852061506 141 4,000 SH DEFINED 1 4,000 SPRINT CORPORATION COM 852061506 338 9,618 SH SOLE 1 8,298 1,320 SPRINT, CORP COM 852061100 235 8,000 SH DEFINED 1 8,000 SPRINT, CORP COM 852061100 1,701 58,034 SH SOLE 1 53,934 4,100 ST PAUL COMPANIES, COM 792860108 369 7,322 SH SOLE 1 7,322 STANDARD AND POORS COM 78462F103 1,436 10,000 SH DEFINED 2 10,000 STATE STREET CORPOR COM 857477103 6 47 SH DEFINED 47 STATE STREET CORPOR COM 857477103 303 2,330 SH SOLE 1 2,330 STATE STREET CORPOR COM 857477103 286 2,200 SH SOLE 2,200 STEELCASE INC. CLAS COM 858155401 219 12,857 SH SOLE 12,857 STILLWELL FINANCIAL COM 860831106 209 4,800 SH SOLE 4,800 STRATEGIC TECHNOLOG COM 786991109 0 38,000 SH SOLE 1 38,000 SUMMIT BANK CORPORA COM 866013105 251 15,000 SH SOLE 1 15,000 SUN MICROSYSTEMS, I COM 866810104 80 684 SH DEFINED 1 386 298 SUN MICROSYSTEMS, I COM 866810104 531 4,550 SH DEFINED 2 4,150 400 SUN MICROSYSTEMS, I COM 866810104 12 107 SH DEFINED 107 SUN MICROSYSTEMS, I COM 866810104 3,288 28,166 SH SOLE 1 28,166 SUN MICROSYSTEMS, I COM 866810104 274 2,350 SH SOLE 2 2,350 SUN MICROSYSTEMS, I COM 866810104 4,631 39,664 SH SOLE 39,664 SUN MICROSYSTEMS, I COM 866810104 224 1,919 SH SOLE 1,919 SUNTRUST BANKS INC COM 867914103 349 6,996 SH DEFINED 1 1,000 5,996 SUNTRUST BANKS INC COM 867914103 196 3,932 SH DEFINED 2 3,500 432 SUNTRUST BANKS INC COM 867914103 11,712 234,824 SH SOLE 1 234,824 SUNTRUST BANKS INC COM 867914103 219 4,400 SH SOLE 2 4,400 SYNOVUS FINANCIAL C COM 87161C105 303,459 14,322,212 SH DEFINED 1 34,028 807,773 13,480,411 SYNOVUS FINANCIAL C COM 87161C105 546 25,771 SH DEFINED 2 25,771 SYNOVUS FINANCIAL C COM 87161C105 449,473 21,213,587 SH SOLE 1 20,291,606 37,150 884,831 SYNOVUS FINANCIAL C COM 87161C105 9,558 451,121 SH SOLE 2 451,121 SYNOVUS FINANCIAL C COM 87161C105 8,087 381,658 SH SOLE 381,658 SYNOVUS FINANCIAL C COM 87161C105 1,486 70,124 SH DEFINED 12,812 57,312 SYSCO CORP COM 871829107 207 4,475 SH SOLE 1 4,475 T ROWE PRICE SPECTR COM 779906106 156 14,644 SH DEFINED 1 14,644 T ROWE PRICE SPECTR COM 779906106 102 9,607 SH SOLE 1 9,607 T. ROWE PRICE ASSOC COM 741477103 318 6,774 SH SOLE 6,774 TARGET CORP COM 87612E106 246 9,600 SH DEFINED 2 9,600 TARGET CORP COM 87612E106 11 425 SH DEFINED 425 TARGET CORP COM 87612E106 3,718 145,087 SH SOLE 1 143,167 1,920 TARGET CORP COM 87612E106 179 7,000 SH SOLE 2 7,000 TARGET CORP COM 87612E106 352 13,725 SH SOLE 13,725 TECO ENERGY INC. COM 872375100 210 7,300 SH DEFINED 2 7,300 TECO ENERGY INC. COM 872375100 707 24,570 SH SOLE 2 24,570 TELLABS, INC. DELEW COM 879664100 29 600 SH DEFINED 1 600 TELLABS, INC. DELEW COM 879664100 12 250 SH DEFINED 250 TELLABS, INC. DELEW COM 879664100 1,326 27,760 SH SOLE 1 27,760 TELLABS, INC. DELEW COM 879664100 287 6,000 SH SOLE 6,000 TEXACO INC COM 881694103 74 1,400 SH DEFINED 1 200 1,200 TEXACO INC COM 881694103 49 925 SH DEFINED 600 325 TEXACO INC COM 881694103 247 4,707 SH SOLE 1 4,707 TEXACO INC COM 881694103 316 6,010 SH SOLE 6,010 TEXAS INSTRUMENTS I COM 882508104 44 931 SH DEFINED 1 931 TEXAS INSTRUMENTS I COM 882508104 332 7,000 SH DEFINED 2 6,800 200 TEXAS INSTRUMENTS I COM 882508104 6,592 139,136 SH SOLE 1 137,536 1,600 TEXAS INSTRUMENTS I COM 882508104 171 3,600 SH SOLE 2 3,600 TEXAS INSTRUMENTS I COM 882508104 528 11,150 SH SOLE 11,150 THE GOVERNMENT SECU COM 383743580 98 278,592 SH SOLE 278,592 TIME WARNER INC COM 887315109 235 3,000 SH DEFINED 1 3,000 TIME WARNER INC COM 887315109 50 640 SH SOLE 1 640 TOTAL SYSTEM SERVIC COM 891906109 4,713 280,347 SH DEFINED 1 1,500 271,977 6,870 TOTAL SYSTEM SERVIC COM 891906109 21,085 1,254,116 SH SOLE 1 1,214,565 39,551 TYCO INTERNATIONAL COM 902124106 1,764 34,005 SH SOLE 1 34,005 TYCO INTERNATIONAL COM 902124106 208 4,000 SH SOLE 2 4,000 U.S. GOVT SECURITIE COM 026300103 135 10,545 SH SOLE 10,545 UNION PLANTERS CORP COM 908068109 13 400 SH DEFINED 1 400 UNION PLANTERS CORP COM 908068109 203 6,150 SH SOLE 1 6,150 UNITED PARCEL SERVI COM 911312106 647 11,472 SH SOLE 1 11,472 UNITED TECHNOLOGIES COM 913017109 17 250 SH DEFINED 1 100 150 UNITED TECHNOLOGIES COM 913017109 1,916 27,613 SH SOLE 1 27,613 UNITED TECHNOLOGIES COM 913017109 291 4,200 SH SOLE 4,200 UNITEDHEALTH GROUP COM 91324P102 3,740 37,871 SH SOLE 1 37,311 560 USAA TAX-EXEMPT FUN COM 903289106 146 11,346 SH SOLE 2 11,346 VAN KAMPEN MERRIT V COM 921132106 126 10,000 SH DEFINED 10,000 VANGUARD ADMIRAL FU COM 921932208 238 23,862 SH DEFINED 1 23,862 VANGUARD BOND INDEX COM 921937108 186 19,086 SH DEFINED 1 19,086 VANGUARD FIXED INCO COM 922031406 195 18,438 SH DEFINED 1 18,438 VANGUARD FIXED SECU COM 922031307 239 23,753 SH DEFINED 1 20,803 2,949 VANGUARD FIXED SECU COM 922031307 849 84,359 SH DEFINED 2 84,359 VANGUARD FIXED SECU COM 922031307 401 39,832 SH SOLE 1 39,832 VANGUARD FIXED SECU COM 922031307 3,193 317,428 SH SOLE 2 312,165 5,263 VANGUARD FIXED SECU COM 922031307 104 10,341 SH SOLE 10,341 VANGUARD MUNICIPAL COM 922907209 53 4,109 SH DEFINED 1 4,109 VANGUARD MUNICIPAL COM 922907209 2,451 188,688 SH SOLE 1 183,585 5,103 VANGUARD MUNICIPAL COM 922907209 1,765 135,885 SH SOLE 135,885 VANGUARD MUNICIPAL COM 922907209 177 13,654 SH SOLE 13,654 VERIZON COMMUNICATI COM 92343V104 968 19,979 SH DEFINED 1 11,089 7,308 1,582 VERIZON COMMUNICATI COM 92343V104 375 7,732 SH DEFINED 2 6,400 1,332 VERIZON COMMUNICATI COM 92343V104 113 2,332 SH DEFINED 2,332 VERIZON COMMUNICATI COM 92343V104 9,694 200,138 SH SOLE 1 198,981 1,157 VERIZON COMMUNICATI COM 92343V104 1,132 23,376 SH SOLE 2 23,376 VERIZON COMMUNICATI COM 92343V104 343 7,088 SH SOLE 7,088 VIACOM INC NON-VOTI COM 925524308 508 8,680 SH DEFINED 1 8,680 VIACOM INC NON-VOTI COM 925524308 35 598 SH SOLE 1 598 VISTEON CORPORATION COM 92839U107 4 247 SH DEFINED 1 247 VISTEON CORPORATION COM 92839U107 151 9,960 SH SOLE 1 9,878 82 VLASSIC FOODS INTER COM 928559103 11 10,000 SH DEFINED 1 10,000 VODAFONE GROUP PLC COM 92857W100 95 2,560 SH DEFINED 1 2,560 VODAFONE GROUP PLC COM 92857W100 743 20,070 SH SOLE 1 20,070 WACHOVIA CORPORATIO COM 929771103 318 5,606 SH DEFINED 1 672 4,934 WACHOVIA CORPORATIO COM 929771103 238 4,200 SH DEFINED 2 4,200 WACHOVIA CORPORATIO COM 929771103 24 425 SH DEFINED 425 WACHOVIA CORPORATIO COM 929771103 4,759 83,955 SH SOLE 1 83,530 425 WACHOVIA CORPORATIO COM 929771103 60 1,050 SH SOLE 2 1,050 WACHOVIA CORPORATIO COM 929771103 180 3,173 SH SOLE 3,173 WACHOVIA MUN FDS COM 929902104 135 12,615 SH SOLE 12,615 WALGREEN COMPANY COM 931422109 333 8,774 SH SOLE 2 8,774 WAL-MART STORES, IN COM 931142103 752 15,626 SH DEFINED 1 6,110 8,296 1,220 WAL-MART STORES, IN COM 931142103 250 5,200 SH DEFINED 2 5,200 WAL-MART STORES, IN COM 931142103 8 157 SH DEFINED 157 WAL-MART STORES, IN COM 931142103 3,291 68,385 SH SOLE 1 68,385 WAL-MART STORES, IN COM 931142103 2,619 54,412 SH SOLE 2 54,412 WAL-MART STORES, IN COM 931142103 633 13,150 SH SOLE 13,150 WAL-MART STORES, IN COM 931142103 1,661 34,506 SH SOLE 34,506 WALT DISNEY COMPANY COM 254687106 372 9,735 SH DEFINED 1 7,800 1,935 WALT DISNEY COMPANY COM 254687106 21 555 SH DEFINED 555 WALT DISNEY COMPANY COM 254687106 5,023 131,314 SH SOLE 1 130,689 625 WALT DISNEY COMPANY COM 254687106 1,437 37,560 SH SOLE 2 37,560 WALT DISNEY COMPANY COM 254687106 630 16,470 SH SOLE 16,470 WARBURG PINCUS GLOB COM 933907107 123 12,655 SH DEFINED 1 12,655 WELLPOINT HEALTH NE COM 94973H108 1,656 17,250 SH SOLE 1 17,250 WELLS FARGO & COMPA COM 949746101 204 4,440 SH DEFINED 1 1,200 3,240 WELLS FARGO & COMPA COM 949746101 119 2,580 SH SOLE 1 2,580 WELLS FARGO & COMPA COM 949746101 221 4,800 SH SOLE 4,800 WESTPOINT STEVENS I COM 961238102 176 14,367 SH SOLE 1 14,367 WEYERHAEUSER CO COM 962166104 93 2,286 SH DEFINED 1 330 325 1,631 WEYERHAEUSER CO COM 962166104 243 6,000 SH DEFINED 2 6,000 WEYERHAEUSER CO COM 962166104 1,543 38,050 SH SOLE 1 38,050 WEYERHAEUSER CO COM 962166104 63 1,550 SH SOLE 2 1,550 WINN-DIXIE STORES, COM 974280109 460 31,996 SH DEFINED 2 31,996 WINN-DIXIE STORES, COM 974280109 487 33,890 SH SOLE 1 33,890 WINN-DIXIE STORES, COM 974280109 86 5,976 SH SOLE 2 5,976 WORLDCOM INC. GA NE COM 98157D106 305 10,042 SH DEFINED 1 10,042 WORLDCOM INC. GA NE COM 98157D106 1,869 61,518 SH SOLE 1 60,768 750 XEROX CORP COM 984121103 7 455 SH DEFINED 1 320 135 XEROX CORP COM 984121103 344 22,947 SH SOLE 1 22,317 630
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