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)   March 28, 2005
                                                  ------------------------------


                              SUNTRUST BANKS, INC.
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             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)



          GEORGIA                      001-08918                  58-1575035
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(STATE OR OTHER JURISDICTION          (COMMISSION               (IRS EMPLOYER
     OF INCORPORATION)                FILE NUMBER)           IDENTIFICATION NO.)



303 PEACHTREE ST., N.E., ATLANTA, GEORGIA                         30308
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 (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)                       (ZIP CODE)


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



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          (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 (see General Instruction A.2. below):

[ ]  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 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

ITEM 7.01 REGULATION FD DISCLOSURE.

     On October 1, 2004 SunTrust Banks, Inc. ("Registrant") filed a Form 8-K
under Item 8.01 thereof to report that it had completed its previously-announced
merger between Registrant and National Commerce Financial Corporation, effective
as of October 1, 2004. Attached hereto as Exhibit 99.1 is additional information
regarding the merger of National Commerce Financial Corporation with and into
Registrant and the proposed merger of National Bank of Commerce, NBC Bank, FSB
and SunTrust Bankcard, N.A. with and into SunTrust Bank.

     The information in the preceding paragraph, as well as Exhibit 99.1
referenced therein, shall not be deemed "filed" for purposes of Section 18 of
the Securities Exchange Act of 1934, nor shall it be deemed incorporated by
reference in any filing under the Securities Act of 1933.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS

     (c) Exhibits. The exhibit listed in the exhibit index is furnished pursuant
to Regulation FD as a part of this Current Report on Form 8-K and shall not be
deemed filed for purposes of Section 18 of the Securities and Exchange Act of
1934.


EXHIBIT
NUMBER      DESCRIPTION
-------     -----------
  99.1      Merger of National Commerce Financial Corporation with and into
            Registrant and the proposed merger of National Bank of Commerce, NBC
            Bank, FSB and SunTrust Bankcard, N.A. with and into SunTrust Bank
            and Unaudited Pro Forma Condensed Combined Financial Information.




                                    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: March 28, 2005               By: /s/ Kimberly N. Rhodes
                                       -----------------------------------------
                                       Kimberly N. Rhodes
                                       First Vice President and Senior Counsel -
                                       Corporate and Regulatory