CAROLINA SOUTHERN BANK

                Special Meeting of Shareholders, __________, 2001

           THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS


        The undersigned shareholder(s) of Carolina Southern Bank ("Carolina
Southern"), a South Carolina banking corporation, hereby acknowledges receipt of
the proxy statement/prospectus dated____________, 2000 and hereby appoints
Ernest R. Kluttz and Thomas H. Lyles, and each of them, proxies and attorneys-
in-fact, with full power to each of substitution, on behalf and in the name of
the undersigned, to represent and vote as designated below all of the Carolina
Southern common shares that the undersigned held of record at _______ Eastern
Time on ________________, 2000, at the Special Meeting of Shareholders of
Carolina Southern, to be held in the James Barrett Community Room at the Main
Branch of the Spartanburg County Library, 151 South Church Street, Spartanburg,
South Carolina, on January __, 2001 at 10:00 a.m., or any adjournment or
postponement thereof, on the following matters:

        I.   APPROVAL OF MERGER AGREEMENT

                Proposal to approve and adopt the Agreement and Plan of Merger
dated as of September 18, 2000, by and between Carolina Southern and The
National Bank of South Carolina and joined into by Synovus Financial Corp., as
described in the accompanying proxy statement/prospectus dated
_________________, 2000.


        _        FOR           _        AGAINST       _          ABSTAIN

        II.  In their discretion, upon such other matter or matters which may
properly come before the meeting or any adjournment or postponement thereof (the
Board of Directors is not aware of any matter other than Proposal I which is to
be presented for action at the Special Meeting).

        PLEASE COMPLETE, DATE, SIGN AND RETURN THIS PROXY PROMPTLY. This Proxy,
when properly executed, will be voted in accordance with the directions given by
the undersigned shareholder. If no direction is made, it will be voted FOR the
approval of the Agreement and Plan of Merger. This Proxy should be marked,
dated, and signed by the shareholder(s) exactly as his or her name appears
hereon, and returned promptly in the enclosed envelope. Persons
signing in a fiduciary capacity should so indicate. If shares are held
by joint tenants or as community property, both should sign.


                                     Dated:                         , 2000
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Name of Shareholder                                 Signature


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No. of Shares                                       Signature


                                  Exhibit 99.1