8-K

UNITED STATES
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): October 14, 2004

SunTrust Banks, Inc.
(Exact name of registrant as specified in its charter)

Georgia				001-08918				58-1575035
(State or other jurisdiction of incorporation)				(Commission File Number)				IRS Employer 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

Not Applicable
(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

		Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

		Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

		Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 8.01.    Other Events

On October 14, 2004, SunTrust Banks, Inc. ("SunTrust" or the "Registrant") issued a press release announcing that it has received notice from the Securities and Exchange Commission (the "SEC") that the SEC is conducting an informal inquiry into the circumstances surrounding SunTrust's recent announcement that it expects to restate its financial statements for the first and second quarters of fiscal 2004 and related matters. A copy of this press release is being filed as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference into this Item 8.01.

Item 9.01.    Financial Statements and Exhibits

(c)    Exhibits.

99.1 Press release issued by SunTrust on October 14, 2004.

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: October 15, 2004

By:    /s/ Raymond D. Fortin                    

Raymond D. Fortin
Senior Vice President and General Counsel

EX-99.1

                                                                    Exhibit 99.1


                     SUNTRUST ANNOUNCES INFORMAL SEC INQUIRY


ATLANTA, Oct. 14 -- SunTrust Banks, Inc. (NYSE: STI) announced today that it has
received notice from the Securities and Exchange Commission (SEC) that the SEC
is conducting an informal inquiry into the circumstances surrounding SunTrust's
recent announcement that it expects to restate its financial statements for the
first and second quarters of fiscal 2004 and related matters. SunTrust intends
to cooperate and will provide information and documents to the SEC on a
voluntary basis.

SunTrust Banks, Inc., headquartered in Atlanta, is one of the nation's largest
commercial banking organizations. The company operates an extensive distribution
network primarily in Florida, Georgia, Maryland, North Carolina, South Carolina,
Tennessee, Virginia and the District of Columbia and also serves customers in
selected markets nationally. Its primary businesses include deposit, credit,
trust and investment services. Through various subsidiaries the company provides
credit cards, mortgage banking, insurance, brokerage and capital markets
services. SunTrust's Internet address is http://www.suntrust.com.


The information provided herein may contain forward-looking statements.
Statements that are not historical facts, including statements about SunTrust's
beliefs and expectations, are forward-looking statements. These statements are
based on beliefs and assumptions by SunTrust's management, and on information
currently available to such management. The forward-looking statements are
intended to be subject to the safe harbor protection provided by Section 27A of
the Securities Act of 1933 and Section 21E of the Securities Exchange Act of
1934. Forward-looking statements include statements preceded by, followed by or
that include the words "intends," "believes," "expects," "anticipates," "plans,"
"estimates," or similar expressions or future conditional verbs such as "will,"
"should," "would," and "could." Forward- looking statements speak only as of the
date they are made, and SunTrust undertakes no obligation to update publicly any
of them in light of new information or future events. Forward-looking statements
involve inherent risks and uncertainties. Management cautions that a number of
important factors could cause actual results to differ materially from those
contained in any forward-looking statement. Examples of such factors include,
but are not limited to: the results of the inquiry by the SEC, as described
above, and the results of the review being conducted by the Company's Audit
Committee in connection with the Company's 2004 financial results. For a more
thorough discussion of factors that could impact actual results, see the "A
Warning About Forward-Looking Information" section of SunTrust's 2003 annual
report filed on Form 10-K with the SEC. For further information regarding
SunTrust, please read the SunTrust reports filed with the SEC and available at
http://www.sec.gov.