8-K

                    SECURITIES AND EXCHANGE COMMISSION

                           WASHINGTON, DC 20549



                                 FORM 8-K

                              CURRENT REPORT



                    PURSUANT TO SECTION 13 OR 15(d) OF THE
                     SECURITIES AND EXCHANGE ACT OF 1934



   DATE OF REPORT (Date of earliest event reported) FEBRUARY 13, 2001
                         COMMISSION FILE NO. 1-7434




                             AFLAC INCORPORATED
            ------------------------------------------------------
            (Exact Name of Registrant as specified in its Charter)




        GEORGIA                                           58-1167100
- --------------------------------                  -------------------------
(State or other jurisdiction of                           (I.R.S. Employer
 incorporation or organization)                      Identification Number)




                   1932 WYNNTON ROAD, COLUMBUS, GEORGIA 31999
             -----------------------------------------------------
             (Address of principal executive offices and zip code)



     Registrant's telephone number, including area code:  (706) 323-3431












ITEM 5.  OTHER

     AFLAC Incorporated announced on February 13, 2001 that the board of
directors declared a two-for-one stock split.  The stock split will be
payable on March 16, 2001, to shareholders of record at the close of
business on February 27, 2001.  Shareholders will receive one additional
share for each share held on the record date.


ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS

     (a)  Financial statements:

          Not applicable.

     (b)  Pro forma financial information:

          Not applicable.

     (c)  Exhibits:

          99 - News release from AFLAC Incorporated dated February 13, 2001.






































                               SIGNATURES


     Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                        AFLAC INCORPORATED



Date:  February 13, 2001                /s/ Kriss Cloninger, III
      -------------------------        -----------------------------------
                                            KRISS CLONINGER, III
                                         Executive Vice President;
                                              Treasurer and
                                          Chief Financial Officer




Date:  February 13, 2001                /s/ Norman P. Foster
      -------------------------        -----------------------------------
                                            NORMAN P. FOSTER
                                         Executive Vice President,
                                            Corporate Finance


































EXHIBITS FILED WITH CURRENT FORM 8-K:

     99 - News release from AFLAC Incorporated dated February 13, 2001.

EX-99

                                EXHIBIT 99





































           AFLAC INCORPORATED DECLARES TWO-FOR-ONE STOCK SPLIT
                   INCREASES QUARTERLY CASH DIVIDEND


COLUMBUS, Georgia - February 13, 2001 -- The board of directors of AFLAC
Incorporated today declared a two-for-one stock split. The stock split will
be payable on March 16, 2001, to shareholders of record at the close of
business on February 27, 2001.  Shareholders will receive one additional
share for each share held on the record date.

The board of directors also approved a 16.3% increase in the quarterly cash
dividend from $.043 to $.05 per share, which reflects the pending stock
split.  The increase is effective with the second quarter dividend, which is
payable on June 1, 2001, to shareholders of record at the close of business
on May 17, 2001.  This marks the 19th consecutive year of cash dividend
increases.

Commenting on the board of directors' actions, President and Chief Executive
Officer Daniel P. Amos stated:  "I am very pleased with the board's decision
to declare a two-for-one stock split and increase the cash dividend.  It is
a strong indication about our optimism for the future growth of AFLAC.  We
just concluded the best year in our history and as we look ahead, we believe
AFLAC will continue to generate solid rates of growth. The fundamentals of
our business are strong, and we are very excited about the market for
supplement insurance in the United States and Japan.  In both countries,
there are tens of millions of workers who are potential customers.  With a
growing product line, expanding distribution system and increasing brand
awareness, I believe we are well positioned to tap into that market
potential.  As a result, we expect to increase operating earnings per share
at the high end of our 15% to 17% range in 2001, excluding the impact of
currency translation."

AFLAC Incorporated (NYSE - AFL) is an international holding company.  A
Fortune 500 company, AFLAC insures more than 40 million people worldwide.
It is the leading writer of supplemental insurance marketed at the worksite
in the United States, offering policies to employees at 171,600 payroll
accounts.  The company is also the largest foreign insurer in Japan,
insuring one out of four Japanese households. In January 2001, AFLAC was
included in Fortune magazine's list of "100 Best Companies to Work For in
America" for the third consecutive year.  In February 2001, Fortune magazine
also named AFLAC as the fifth most admired company in the life and health
insurance sector in its annual listing of "America's Most Admired
Companies."  AFLAC's Internet address is aflac.com.

Forward looking information: Certain statements contained in this press
release are "forward looking statements" within the meaning of the federal
securities laws.  Although the company believes that these statements are
reasonable, it can give no assurance that they will prove to be correct
because they are prospective in nature.  Actual future results may differ
materially from those discussed herein.  We caution readers that the
following factors, in addition to other factors mentioned from time to time
in our reports filed with the SEC, could cause actual results to differ
materially: regulatory developments, assessments for insurance company
insolvencies, competitive conditions, new products, ability to repatriate
profits from Japan, general economic conditions in the United States and
Japan, changes in U.S. and/or Japanese tax laws, adequacy of reserves,
credit and other risks associated with AFLAC's investment activities,
significant changes in interest rates, and fluctuations in foreign currency
exchange rates.

Analyst contact - Kenneth S. Janke Jr., (800) 235-2667 - option 3, FAX:
(706) 324-6330, or kjanke@aflac.com
Media contact - Kathelen V. Spencer, (706) 596-3789, FAX: (706) 323-1448, or
kspencer@aflac.com