8-K

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)    August 13, 2002

SunTrust Banks, Inc.

(Exact name of registrant as specified in its charter)

Georgia	001-08918	58-1575035
(State or other jurisdiction	(Commission	(IRS Employer
of incorporation)	File Number)	Identification No.)
303 Peachtree St., N.E., Atlanta, Georgia		30308
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code    (404) 588-7711

Item 9.    Regulation FD Disclosure

On August 13, 2002, SunTrust Banks, Inc. submitted to the Securities and Exchange Commission the Statements under Oath of Principal Executive Officer and Principal Financial Officer in accordance with the SEC’s June 27, 2002 Order requiring the filing of sworn statements pursuant to Section 21(a)(1) of the Securities and Exchange Act of 1934.

A copy of each statement is attached hereto as Exhibits 99.1 and 99.2.

SIGNATURE

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, thereunto duly authorized.

	SUNTRUST BANKS, INC.
	(Registrant)
Date: August 13, 2002	By:	/s/    JORGE ARRIETA
		Jorge Arrieta Senior Vice President and Controller

INDEX TO EXHIBITS

Exhibit No.	Description
99.1	Statement Under Oath of Principal Executive Officer Regarding Facts and Circumstances Relating to Exchange Act Filings
99.2	Statement Under Oath of Principal Financial Officer Regarding Facts and Circumstances Relating to Exchange Act Filings

EX-99.1

Exhibit 99.1

STATEMENT UNDER OATH OF PRINCIPAL EXECUTIVE

OFFICER REGARDING FACTS

AND CIRCUMSTANCES RELATING

TO EXCHANGE ACT FILINGS

I, L. Phillip Humann, state and attest that:

(1)    To the best of my knowledge, based upon a review of the covered reports of SunTrust Banks, Inc. and, except as corrected or supplemented in a subsequent covered report:

• no covered report contained an untrue statement of a material fact as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed); and

• no covered report omitted to state a material fact necessary to make the statements in the covered report, in light of the circumstances under which they were made, not misleading as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed).

(2)    I have reviewed the contents of this statement with SunTrust Banks, Inc.’s audit committee.

(3)    In this statement under oath, each of the following, if filed on or before the date of this statement, is a “covered report”:

• Annual Report on Form 10-K for the fiscal year ended December 31, 2001 filed with the Commission on March 15, 2002 of SunTrust Banks, Inc.;

• all reports on Form 10-Q, all reports on Form 8-K and all definitive proxy materials of SunTrust Banks, Inc. filed with the Commission subsequent to the filing of the Form 10-K identified above; and

• any amendments to any of the foregoing.

/S/    L. PHILLIP HUMANN Subscribed and sworn to

L. Phillip Humann before me this 13^th day of

Chairman of the Board, President August, 2002.

and Chief Executive Officer

August 13, 2002

/S/    G. LYNN PATTERSON

Notary Public

My Commission Expires: September 13, 2004

EX-99.2

Exhibit 99.2

STATEMENT UNDER OATH OF PRINCIPAL FINANCIAL

OFFICER REGARDING FACTS

AND CIRCUMSTANCES RELATING

TO EXCHANGE ACT FILINGS

I, John W. Spiegel, state and attest that:

(1)  To the best of my knowledge, based upon a review of the covered reports of SunTrust Banks, Inc. and, except as corrected or supplemented in a subsequent covered report:

· no covered report contained an untrue statement of a material fact as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed); and

· no covered report omitted to state a material fact necessary to make the statements in the covered report, in light of the circumstances under which they were made, not misleading as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed).

(2)  I have reviewed the contents of this statement with SunTrust Banks, Inc.’s audit committee.

(3)  In this statement under oath, each of the following, if filed on or before the date of this statement, is a “covered report”:

· Annual Report on Form 10-K for the fiscal year ended December 31, 2001 filed with the Commission on March 15, 2002 of SunTrust Banks, Inc.;

· all reports on Form 10-Q, all reports on Form 8-K and all definitive proxy materials of SunTrust Banks, Inc. filed with the Commission subsequent to the filing of the Form 10-K identified above; and

· any amendments to any of the foregoing.

/s/ JOHN W. SPIEGEL             Subscribed and sworn to

John W. Spiegel before me this 13^th day of

Chief Financial Officer and August, 2002.

Vice Chairman

August 13, 2002 /s/ G. LYNN PATTERSON            

Notary Public

My Commission Expires: September 13, 2004