-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, Wx2C4JrkCRgZ0h+Gi5V0XdzXcX5JAvtbAjPlyGm+FvEW1k4n/bsH5cjifhVlzfIA HIIaM9neAUjgqiFHSIz8rQ== 0000018349-00-000001.txt : 20000202 0000018349-00-000001.hdr.sgml : 20000202 ACCESSION NUMBER: 0000018349-00-000001 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 19991231 FILED AS OF DATE: 20000112 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SYNOVUS FINANCIAL CORP CENTRAL INDEX KEY: 0000018349 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 581134883 STATE OF INCORPORATION: GA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: SEC FILE NUMBER: 028-04762 FILM NUMBER: 505898 BUSINESS ADDRESS: STREET 1: 901 FRONT AVENUE STREET 2: STE 301 CITY: COLUMBUS STATE: GA ZIP: 31901 BUSINESS PHONE: 7066492267 MAIL ADDRESS: STREET 1: P.O.BOX 120 CITY: COLUMBUS STATE: GA ZIP: 31902 FORMER COMPANY: FORMER CONFORMED NAME: CB&T BANCSHARES INC DATE OF NAME CHANGE: 19890912 13F-HR 1 13F UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 13F Form 13F COVER PAGE Report for the Calendar Year or Quarter Ended: December 31, 1999 Check here if Amendment [ ]: Amendment Number: This Amendment (Check only one): [ ] is a restatement. [ ] adds new holdings entries. Institutional Investment Manager Filing this Report: Name: Synovus Financial Corp. Address: 901 Front Avenue, Suite 202 Columbus, GA 31901 Form 13F File Number: 28-4762 The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: Garilou Page Title: Vice President Phone: 706-649-4793 Signature, Place, and Date of Signing: /s/Garilou Page Columbus, GA 1/12/2000 [Signature] [City, State] [Date] Report Type (Check only one): [X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.) [ ] 13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).) [ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).) Form 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 2 Form 13F Information Table Entry Total: 580 Form 13F Information Table Value Total: 1,884,096 (thousands) List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report. [If there are no entries in this list, state "NONE" and omit the column headings and list entries.] No. Form 13F File Number Name 1 28-4944 Synovus Trust Company 2 28-7448 Synovus Trust Company (Florida)
ITEM 1 ITEM 2 ITEM 3 ITEM 4 ITEM 5 ITEM 6 ITEM 7 ITEM 8 Title Sh/Put Name of Value Shares or Prn Investment Other Voting Authority of Issuer Class Cusip (x$1000) Prn Amt Call Discretion Managers Sole Shared None ABBOTT LABS COM 002824100 123 3,400 SH DEFINED 1 3,400 ABBOTT LABS COM 002824100 5 125 SH DEFINED 125 ABBOTT LABS COM 002824100 316 8,690 SH SOLE 1 8,690 ABBOTT LABS COM 002824100 476 13,100 SH SOLE 13,100 ADOBE SYSTEMS, INC COM 00724F101 262 3,900 SH DEFINED 2 3,900 AEGON N V AEGON AMER REG COM 007924103 284 2,973 SH SOLE 2,973 AFLAC, INCORPORATED COM 001055102 4,326 91,682 SH DEFINED 1 14,624 77,058 AFLAC, INCORPORATED COM 001055102 18,947 401,515 SH SOLE 1 400,595 920 AIM FDS GROUP COM 008879777 84 10,363 SH SOLE 1 10,363 AIR PRODUCTS & CHEMICALS INC COM 009158106 1,253 37,334 SH SOLE 1 37,094 240 ALCOA INC COM 013817101 295 3,553 SH DEFINED 1 1,153 2,400 ALCOA INC COM 013817101 924 11,130 SH SOLE 1 11,130 ALLSTATE CORPORATION COM 020002101 252 10,476 SH SOLE 10,476 ALLTEL CORPORATION COM 020039103 580 7,020 SH SOLE 1 6,700 320 ALLTEL CORPORATION COM 020039103 479 5,796 SH SOLE 5,796 AMERICA ONLINE, INC. COM 02364J104 33 440 SH DEFINED 1 440 AMERICA ONLINE, INC. COM 02364J104 490 6,460 SH SOLE 1 4,460 2,000 AMERICAN BOND FUND OF AMERICA #08 COM 097873103 189 14,598 SH SOLE 14,598 AMERICAN EXPRESS COMPANY COM 025816109 557 3,350 SH DEFINED 1 1,100 700 1,550 AMERICAN EXPRESS COMPANY COM 025816109 386 2,324 SH SOLE 1 2,324 AMERICAN HIGH-INCOME TRUST COM 026547109 351 25,332 SH SOLE 25,332 AMERICAN HOME PRODUCTS CORP. COM 026609107 149 3,800 SH DEFINED 1 3,800 AMERICAN HOME PRODUCTS CORP. COM 026609107 4,026 102,580 SH SOLE 1 101,850 730 AMERICAN HOME PRODUCTS CORP. COM 026609107 220 5,600 SH SOLE 2 5,600 AMERICAN HOME PRODUCTS CORP. COM 026609107 341 8,684 SH SOLE 8,684 AMERICAN INTERNATIONAL GROUP, INC COM 026874107 9 86 SH DEFINED 86 AMERICAN INTERNATIONAL GROUP, INC COM 026874107 228 2,107 SH SOLE 2,107 AMGEN INC COM 031162100 721 12,000 SH DEFINED 1 12,000 AMGEN INC COM 031162100 420 7,000 SH DEFINED 2 7,000 AMGEN INC COM 031162100 31 520 SH DEFINED 520 AMGEN INC COM 031162100 635 10,576 SH SOLE 1 10,576 AMGEN INC COM 031162100 384 6,400 SH SOLE 6,400 ANHEUSER BUSCH COMPANIES, INC. COM 035229103 284 4,000 SH DEFINED 1 4,000 ANHEUSER BUSCH COMPANIES, INC. COM 035229103 164 2,320 SH SOLE 1 2,320 ANHEUSER BUSCH COMPANIES, INC. COM 035229103 284 4,000 SH SOLE 2 4,000 APPLIED MATERIALS INC COM 038222105 3,547 27,995 SH SOLE 1 27,995 ARCHER-DANIELS-MIDLAND COMPANY COM 039483102 243 20,048 SH DEFINED 1 20,048 AT&T CORP COM 001957109 788 15,501 SH DEFINED 1 13,317 2,184 AT&T CORP COM 001957109 69 1,350 SH DEFINED 2 450 900 AT&T CORP COM 001957109 94 1,845 SH DEFINED 1,350 495 AT&T CORP COM 001957109 4,976 97,924 SH SOLE 1 97,924 AT&T CORP COM 001957109 739 14,541 SH SOLE 2 14,541 AT&T CORP COM 001957109 999 19,654 SH SOLE 19,654 ATLANTIC RICHFIELD COMPANY COM 048825103 112 1,300 SH DEFINED 1 1,300 ATLANTIC RICHFIELD COMPANY COM 048825103 3,149 36,408 SH SOLE 1 36,408 AUTOMATIC DATA PROCESSING, INC COM 053015103 237 4,400 SH DEFINED 1 4,400 AUTOMATIC DATA PROCESSING, INC COM 053015103 523 9,714 SH SOLE 1 9,714 BANK OF AMERICA CORP COM 060505104 180 3,581 SH DEFINED 1 168 1,886 1,527 BANK OF AMERICA CORP COM 060505104 651 12,979 SH DEFINED 2 840 12,139 BANK OF AMERICA CORP COM 060505104 6 112 SH DEFINED 112 BANK OF AMERICA CORP COM 060505104 4,857 96,777 SH SOLE 1 94,203 2,574 BANK OF AMERICA CORP COM 060505104 1,095 21,814 SH SOLE 2 21,814 BANK OF AMERICA CORP COM 060505104 2,669 53,178 SH SOLE 51,706 1,472 BANK ONE CORPORATION COM 06423A103 59 1,858 SH DEFINED 1 1,858 BANK ONE CORPORATION COM 06423A103 2,054 64,187 SH SOLE 1 63,967 220 BAXTER INTERNATIONAL, INC COM 071813109 82 1,300 SH DEFINED 1 500 800 BAXTER INTERNATIONAL, INC COM 071813109 129 2,049 SH SOLE 1 2,049 BELL ATLANTIC CORPORATION COM 077853109 485 7,878 SH DEFINED 1 6,672 1,206 BELL ATLANTIC CORPORATION COM 077853109 70 1,136 SH DEFINED 2 800 336 BELL ATLANTIC CORPORATION COM 077853109 108 1,748 SH DEFINED 1,600 148 BELL ATLANTIC CORPORATION COM 077853109 2,548 41,388 SH SOLE 1 41,388 BELL ATLANTIC CORPORATION COM 077853109 995 16,170 SH SOLE 2 16,170 BELL ATLANTIC CORPORATION COM 077853109 352 5,722 SH SOLE 5,722 BELLSOUTH CORPORATION COM 079860102 1,295 27,657 SH DEFINED 1 5,691 18,542 3,424 BELLSOUTH CORPORATION COM 079860102 782 16,700 SH DEFINED 2 15,800 900 BELLSOUTH CORPORATION COM 079860102 179 3,832 SH DEFINED 2,400 1,432 BELLSOUTH CORPORATION COM 079860102 8,602 183,750 SH SOLE 1 177,908 5,842 BELLSOUTH CORPORATION COM 079860102 3,263 69,698 SH SOLE 2 69,698 BELLSOUTH CORPORATION COM 079860102 1,056 22,568 SH SOLE 22,388 180 BERKSHIRE HATHAWAY, INCORPORATED COM 084670108 1,138 21 SH SOLE 1 21 BESTFOODS INCORPORATED COM 08658U101 147 2,800 SH DEFINED 2 2,800 BESTFOODS INCORPORATED COM 08658U101 3,803 72,357 SH SOLE 1 69,873 2,484 BESTFOODS INCORPORATED COM 08658U101 421 8,000 SH SOLE 2 8,000 BESTFOODS INCORPORATED COM 08658U101 304 5,775 SH SOLE 5,075 700 BLACKROCK 1999 TERM TRUST INC COM 09247T100 96 9,450 SH DEFINED 1 5,500 3,950 BLACKROCK 1999 TERM TRUST INC COM 09247T100 513 50,668 SH SOLE 1 49,668 1,000 BLACKROCK BROAD INVESTMENT GRADE COM 09247Q106 203 17,825 SH DEFINED 1 17,825 BP AMOCO PLC SPONSORED COM 055622104 458 7,718 SH DEFINED 1 4,590 3,128 BP AMOCO PLC SPONSORED COM 055622104 479 8,070 SH DEFINED 2 8,070 BP AMOCO PLC SPONSORED COM 055622104 11 184 SH DEFINED 184 BP AMOCO PLC SPONSORED COM 055622104 2,455 41,390 SH SOLE 1 33,000 8,390 BP AMOCO PLC SPONSORED COM 055622104 306 5,158 SH SOLE 2 5,158 BP AMOCO PLC SPONSORED COM 055622104 257 4,332 SH SOLE 4,332 BRISTOL-MYERS SQUIBB COMPANY COM 110122108 929 14,478 SH DEFINED 1 4,650 7,028 2,800 BRISTOL-MYERS SQUIBB COMPANY COM 110122108 83 1,300 SH DEFINED 2 500 800 BRISTOL-MYERS SQUIBB COMPANY COM 110122108 5,639 87,853 SH SOLE 1 86,533 700 620 BRISTOL-MYERS SQUIBB COMPANY COM 110122108 1,937 30,180 SH SOLE 2 30,180 BRISTOL-MYERS SQUIBB COMPANY COM 110122108 1,999 31,137 SH SOLE 31,137 BUILDING MATERIALS HOLDING CORP COM 120113105 103 10,000 SH DEFINED 1 10,000 BUTLER FIFTH GENERATION INC. COM 056010309 8,144 169,769 SH SOLE 1 169,769 CAPITAL MANAGEMENT ASSOCIATES COM M00101366 4,153 1 SH SOLE 1 1 CARNIVAL CORP CL A COM 143658102 325 6,800 SH DEFINED 2 6,800 CARNIVAL CORP CL A COM 143658102 184 3,850 SH SOLE 2 3,850 CAROLINA POWER & LIGHT CO. COM 144141108 140 4,600 SH DEFINED 1 4,600 CAROLINA POWER & LIGHT CO. COM 144141108 170 5,600 SH SOLE 1 5,600 CATERPILLAR, INC. COM 149123101 267 5,680 SH DEFINED 1 1,180 4,500 CATERPILLAR, INC. COM 149123101 36 775 SH SOLE 1 775 CBS CORPORATION COM 12490K107 512 8,000 SH DEFINED 1 8,000 CBS CORPORATION COM 12490K107 21 325 SH SOLE 1 325 CENTURY SOUTH BANKS INCORPORATED COM 156683104 262 11,689 SH SOLE 1 11,689 CHEVRON CORPORATION COM 166751107 451 5,210 SH DEFINED 1 2,622 1,688 900 CHEVRON CORPORATION COM 166751107 251 2,900 SH DEFINED 2 2,900 CHEVRON CORPORATION COM 166751107 3,698 42,694 SH SOLE 1 42,399 295 CHEVRON CORPORATION COM 166751107 1,416 16,352 SH SOLE 2 16,352 CHEVRON CORPORATION COM 166751107 215 2,480 SH SOLE 2,280 200 CHUBB CORPORATION COM 171232101 4,733 84,044 SH DEFINED 1 1,744 82,300 CHUBB CORPORATION COM 171232101 2,524 44,829 SH SOLE 1 44,669 160 CISCO SYSTEMS COM 17275R102 396 3,700 SH DEFINED 1 3,700 CISCO SYSTEMS COM 17275R102 439 4,100 SH DEFINED 2 4,100 CISCO SYSTEMS COM 17275R102 6 54 SH DEFINED 54 CISCO SYSTEMS COM 17275R102 1,682 15,703 SH SOLE 1 14,703 1,000 CISCO SYSTEMS COM 17275R102 337 3,150 SH SOLE 2 3,150 CISCO SYSTEMS COM 17275R102 2,238 20,891 SH SOLE 20,891 CITIGROUP INCORPORATED COM 172967101 495 8,881 SH DEFINED 1 7,800 1,081 CITIGROUP INCORPORATED COM 172967101 23 410 SH DEFINED 410 CITIGROUP INCORPORATED COM 172967101 41 730 SH DEFINED 730 CITIGROUP INCORPORATED COM 172967101 484 8,692 SH SOLE 1 7,942 750 CITIGROUP INCORPORATED COM 172967101 764 13,720 SH SOLE 13,720 CITIGROUP INCORPORATED COM 172967101 173 3,115 SH SOLE 1,500 1,615 CLOROX COMPANY COM 189054109 30 596 SH DEFINED 1 596 CLOROX COMPANY COM 189054109 343 6,800 SH SOLE 1 6,800 COASTAL CORPORATION COM 190441105 1,350 38,095 SH SOLE 1 38,095 COCA COLA COMPANY COM 191216100 26,727 458,827 SH DEFINED 1 42,291 408,545 7,991 COCA COLA COMPANY COM 191216100 6,839 117,400 SH DEFINED 2 117,400 COCA COLA COMPANY COM 191216100 17 292 SH DEFINED 292 COCA COLA COMPANY COM 191216100 495,360 8,504,036 SH SOLE 1 8,460,909 43,127 COCA COLA COMPANY COM 191216100 129,453 2,222,374 SH SOLE 2 2,121,214 101,160 COCA COLA COMPANY COM 191216100 644 11,050 SH SOLE 11,050 COLGATE-PALMOLIVE COMPANY COM 194162103 250 3,840 SH DEFINED 2 3,840 COLGATE-PALMOLIVE COMPANY COM 194162103 9 146 SH DEFINED 146 COLGATE-PALMOLIVE COMPANY COM 194162103 3,167 48,726 SH SOLE 1 48,726 COLGATE-PALMOLIVE COMPANY COM 194162103 143 2,200 SH SOLE 2 2,200 COLGATE-PALMOLIVE COMPANY COM 194162103 459 7,065 SH SOLE 7,065 COLUMBIA/HCA HEALTHCARE CORPORATION COM 197677107 1,721 58,716 SH SOLE 1 58,716 COMPAQ COMPUTER CORP COM 204493100 259 9,560 SH DEFINED 1 4,000 2,060 3,500 COMPAQ COMPUTER CORP COM 204493100 4,579 169,191 SH SOLE 1 167,508 1,683 CONAGRA, INC. COM 205887102 2,191 96,555 SH SOLE 1 96,555 CONOCO INCORPORATED COM 208251306 248 10,000 SH DEFINED 1 10,000 CONSECO INCORPORATED COM 208464107 267 14,975 SH SOLE 14,975 CORNING INCORPORATED COM 219350105 297 2,300 SH DEFINED 2 2,300 CORNING INCORPORATED COM 219350105 297 2,300 SH SOLE 2,300 COSTCO WBSL CORPORATION NEW COM 22160K105 329 3,600 SH DEFINED 2 3,600 COX COMMUNICATIONS, INC. COM 224044107 229 4,450 SH DEFINED 1 4,450 CUSTOM CAR CARE CO (WORTHLESS) COM 126990100 - 20,000 SH SOLE 1 20,000 DARDEN RESTAURANTS INC COM 237194105 302 16,680 SH DEFINED 1 16,680 DARDEN RESTAURANTS INC COM 237194105 643 35,482 SH SOLE 1 35,482 DAYTON HUDSON CORPORATION COM 239753106 15 200 SH DEFINED 1 200 DAYTON HUDSON CORPORATION COM 239753106 338 4,600 SH DEFINED 2 4,600 DAYTON HUDSON CORPORATION COM 239753106 5,124 69,768 SH SOLE 1 68,808 960 DAYTON HUDSON CORPORATION COM 239753106 73 1,000 SH SOLE 2 1,000 DAYTON HUDSON CORPORATION COM 239753106 439 5,975 SH SOLE 5,975 DEERE AND CO COM 244199105 257 5,933 SH SOLE 1 5,933 DELL COMPUTER CORPORATION COM 247025109 71 1,400 SH DEFINED 1 1,400 DELL COMPUTER CORPORATION COM 247025109 210 4,117 SH SOLE 1 2,205 1,912 DEVELOPERS-INVESTORS,INC COM 232990AA9 456 450,000 SH SOLE 1 DOW CHEMICAL COMPANY COM 260543103 80 600 SH DEFINED 1 600 DOW CHEMICAL COMPANY COM 260543103 204 1,527 SH SOLE 1 1,527 DUKE ENERGY CORPORATION COM 264399106 784 15,650 SH DEFINED 1 2,000 8,650 5,000 DUKE ENERGY CORPORATION COM 264399106 20 400 SH DEFINED 2 400 DUKE ENERGY CORPORATION COM 264399106 10 200 SH DEFINED 200 DUKE ENERGY CORPORATION COM 264399106 115 2,293 SH SOLE 1 2,293 DUKE ENERGY CORPORATION COM 264399106 221 4,400 SH SOLE 2 4,400 DUKE ENERGY CORPORATION COM 264399106 397 7,916 SH SOLE 7,916 DUN AND BRADSTREET NEW COM 26483B106 280 9,500 SH SOLE 9,500 E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 1,015 15,412 SH DEFINED 1 7,292 5,320 2,800 E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 99 1,500 SH DEFINED 2 1,500 E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 2,238 33,979 SH SOLE 1 33,714 265 E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 270 4,100 SH SOLE 2 4,100 E. I. DUPONT DE NEMOURS & COMPANY COM 263534109 3,230 49,034 SH SOLE 49,034 EARTH SCIENCES, INC. COM 270312200 2 10,000 SH SOLE 1 10,000 EASTMAN KODAK CO. COM 277461109 333 5,020 SH DEFINED 1 4,000 300 720 EASTMAN KODAK CO. COM 277461109 229 3,453 SH SOLE 1 2,915 538 EATON VANCE MARATHON GEORGIA COM 27826L843 94 10,195 SH SOLE 1 10,195 EDISON INTERNATIONAL COM 281020107 21 800 SH DEFINED 2 800 EDISON INTERNATIONAL COM 281020107 413 15,785 SH SOLE 2 15,785 ELECTRONIC DATA SYSTEMS CORP COM 285661104 3,345 49,979 SH SOLE 1 46,920 3,059 ELECTRONIC DATA SYSTEMS CORP COM 285661104 258 3,851 SH SOLE 3,851 EMC CORP COM 268648102 448 4,100 SH DEFINED 2 4,100 EMC CORP COM 268648102 656 6,000 SH SOLE 2 6,000 EMERSON ELECTRIC CO. COM 291011104 195 3,400 SH DEFINED 1 3,000 400 EMERSON ELECTRIC CO. COM 291011104 3,431 59,796 SH SOLE 1 59,536 260 ENRON CORPORATION COM 293561106 244 5,500 SH DEFINED 2 5,500 ENRON CORPORATION COM 293561106 2,420 54,529 SH SOLE 53,729 800 EQUIFAX, INCORPORATED COM 294429105 236 10,000 SH DEFINED 1 6,000 4,000 EQUIFAX, INCORPORATED COM 294429105 104 4,400 SH SOLE 1 4,400 EVERGREEN FUNDS VALUE PORTFOLIO COM 300237799 236 11,419 SH SOLE 11,419 EXXON MOBIL CORPORATION COM 30231G102 1,332 16,531 SH DEFINED 1 3,095 7,244 6,192 EXXON MOBIL CORPORATION COM 30231G102 936 11,624 SH DEFINED 2 10,432 1,192 EXXON MOBIL CORPORATION COM 30231G102 38 477 SH DEFINED 477 EXXON MOBIL CORPORATION COM 30231G102 172 2,137 SH DEFINED 2,137 EXXON MOBIL CORPORATION COM 30231G102 11,670 144,858 SH SOLE 1 140,560 4,298 EXXON MOBIL CORPORATION COM 30231G102 3,982 49,422 SH SOLE 2 49,422 EXXON MOBIL CORPORATION COM 30231G102 6,389 79,301 SH SOLE 78,901 400 EXXON MOBIL CORPORATION COM 30231G102 219 2,721 SH SOLE 2,721 FANNIE MAE COM 313586109 72 1,160 SH DEFINED 1 1,160 FANNIE MAE COM 313586109 297 4,750 SH DEFINED 2 4,300 450 FANNIE MAE COM 313586109 6 91 SH DEFINED 91 FANNIE MAE COM 313586109 4,041 64,716 SH SOLE 1 64,466 250 FANNIE MAE COM 313586109 131 2,100 SH SOLE 2 2,100 FANNIE MAE COM 313586109 425 6,800 SH SOLE 6,800 FEDERATED FUND #09 U.S. GOVERNMENT COM 31428M100 159 15,368 SH DEFINED 1 15,368 FEDERATED FUND #09 U.S. GOVERNMENT COM 31428M100 157 15,165 SH SOLE 1 15,115 49 FEDERATED FUND #47 U.S. GOVERNMENT COM 31428P103 107 10,299 SH DEFINED 1 10,299 FEDERATED FUND #47 U.S. GOVERNMENT COM 31428P103 344 33,256 SH SOLE 1 33,256 FEDERATED GNMA TRUST FUND #16 COM 314184102 106 9,829 SH DEFINED 1 2,770 7,059 FEDERATED GNMA TRUST FUND #16 COM 314184102 29 2,673 SH SOLE 1 2,673 FEDERATED HIGH YIELD TRUST COM 314197104 1,379 166,905 SH SOLE 1 153,409 13,495 FEDERATED INCOME TRUST FUND #36 COM 314199100 318 32,191 SH SOLE 32,191 FEDERATED SHORT TERM INC FUND #65 COM 31420C209 157 18,422 SH DEFINED 1 18,422 FEDERATED SHORT TERM INC FUND #65 COM 31420C209 348 40,917 SH SOLE 1 40,917 FIDELITY GOVERNMENT INCOME FUND COM 316172105 148 15,844 SH SOLE 15,844 FIDELITY INCOME FUND MORTGAGE COM 31617K204 113 10,894 SH DEFINED 1 10,894 FIDELITY INSTITUTIONAL SHORT COM 315809400 16 1,711 SH DEFINED 1 1,711 FIDELITY INSTITUTIONAL SHORT COM 315809400 1,373 151,383 SH SOLE 1 149,751 1,632 FIDELITY INTERMEDIATE GOV'T COM 31617K303 145 15,561 SH DEFINED 1 11,442 4,119 FIDELITY U.S. BOND INDEX COM 315911107 141 13,803 SH DEFINED 1 13,803 FIRST SOUTHEASTERN CORPORATION COM 303999106 - 12,108 SH SOLE 1 12,108 FIRST TENNESSEE NATIONAL CORP COM 337162101 563 19,744 SH DEFINED 1 19,744 FIRST UNION CORPORATION COM 337358105 399 12,125 SH DEFINED 1 12,125 FIRST UNION CORPORATION COM 337358105 710 21,557 SH SOLE 1 21,557 FLEETBOSTON FINANCIAL CORP COM 339030108 31 900 SH DEFINED 1 900 FLEETBOSTON FINANCIAL CORP COM 339030108 3,246 93,236 SH SOLE 1 93,236 FLOWERS INDUSTRIES, INC. COM 343496105 180 11,300 SH DEFINED 1 11,300 FLOWERS INDUSTRIES, INC. COM 343496105 1,074 67,378 SH SOLE 1 67,378 FORD MOTOR COMPANY COM 345370100 120 2,256 SH DEFINED 1 2,256 FORD MOTOR COMPANY COM 345370100 3,932 73,751 SH SOLE 1 73,121 630 FORD MOTOR COMPANY COM 345370100 250 4,680 SH SOLE 4,680 FRANKLIN CUSTODIAN FUNDS COM 353496607 90 13,750 SH DEFINED 1 2,366 11,383 FRANKLIN CUSTODIAN FUNDS COM 353496607 51 7,799 SH SOLE 1 7,799 FRANKLIN CUSTODIAN FUNDS, FUND #109 COM 353496300 21 9,882 SH DEFINED 1 9,882 FRANKLIN CUSTODIAN FUNDS, FUND #109 COM 353496300 21 9,944 SH SOLE 1 9,944 FRANKLIN TAX FREE TRUST HIGH COM 354723702 148 14,095 SH DEFINED 14,095 FRANKLIN TAX FREE TRUST HIGH COM 354723702 167 15,925 SH SOLE 1 15,925 GANNETT COMPANY, INC. COM 364730101 347 4,255 SH SOLE 1 4,255 GENERAL ELECTRIC COMPANY COM 369604103 4,932 31,871 SH DEFINED 1 6,850 13,901 11,120 GENERAL ELECTRIC COMPANY COM 369604103 1,981 12,800 SH DEFINED 2 9,400 3,400 GENERAL ELECTRIC COMPANY COM 369604103 179 1,157 SH DEFINED 800 357 GENERAL ELECTRIC COMPANY COM 369604103 31 200 SH DEFINED 200 GENERAL ELECTRIC COMPANY COM 369604103 20,029 129,427 SH SOLE 1 123,016 6,411 GENERAL ELECTRIC COMPANY COM 369604103 8,469 54,730 SH SOLE 2 54,730 GENERAL ELECTRIC COMPANY COM 369604103 6,150 39,742 SH SOLE 38,942 800 GENERAL ELECTRIC COMPANY COM 369604103 223 1,441 SH SOLE 1,441 GENERAL MILLS, INC. COM 370334104 1,664 46,544 SH DEFINED 1 46,544 GENERAL MILLS, INC. COM 370334104 4,554 127,389 SH SOLE 1 127,389 GENERAL MOTORS CORPORATION COM 370442105 291 4,002 SH SOLE 4,002 GENUINE PARTS COMPANY COM 372460105 109 4,386 SH DEFINED 1 1,686 2,700 GENUINE PARTS COMPANY COM 372460105 1,163 46,862 SH SOLE 1 46,862 GEORGIA PACIFIC CORPORATION COM 373298108 71 1,404 SH DEFINED 1,404 GEORGIA PACIFIC CORPORATION COM 373298108 759 14,964 SH SOLE 14,824 140 GEORGIA PACIFIC TIMBER GROUP COM 373298702 17 702 SH DEFINED 702 GEORGIA PACIFIC TIMBER GROUP COM 373298702 184 7,482 SH SOLE 7,412 70 GILLETTE CO COM 375766102 701 17,025 SH DEFINED 1 5,000 8,825 3,200 GILLETTE CO COM 375766102 297 7,200 SH DEFINED 2 7,200 GILLETTE CO COM 375766102 12 280 SH DEFINED 280 GILLETTE CO COM 375766102 416 10,112 SH SOLE 1 8,769 1,343 GILLETTE CO COM 375766102 286 6,940 SH SOLE 2 6,940 GILLETTE CO COM 375766102 217 5,267 SH SOLE 3,095 2,172 GPU INCORPORATED COM 36225X100 1,405 47,240 SH SOLE 1 47,240 GRAND PRIX LIMITED PARTNERSHIP COM M00015681 463 47 SH SOLE 1 47 GROVE INVESTMENT CO PARTNERSHIP COM M00015517 332 331,551 SH SOLE 1 331,551 GTE CORPORATION COM 362320103 348 4,933 SH DEFINED 1 1,647 3,181 105 GTE CORPORATION COM 362320103 42 600 SH DEFINED 2 400 200 GTE CORPORATION COM 362320103 42 600 SH DEFINED 600 GTE CORPORATION COM 362320103 9,590 135,913 SH SOLE 1 134,801 325 787 GTE CORPORATION COM 362320103 339 4,800 SH SOLE 2 4,800 GTE CORPORATION COM 362320103 206 2,921 SH SOLE 2,921 H J HEINZ COMPANY COM 423074103 207 5,200 SH DEFINED 1 1,500 3,700 H J HEINZ COMPANY COM 423074103 63 1,575 SH SOLE 1 1,575 H J HEINZ COMPANY COM 423074103 295 7,400 SH SOLE 2 7,400 HALLIBURTON COMPANY COM 406216101 64 1,600 SH DEFINED 1 1,600 HALLIBURTON COMPANY COM 406216101 352 8,752 SH SOLE 1 8,752 HEWLETT PACKARD CO COM 428236103 468 4,114 SH DEFINED 1 97 1,017 3,000 HEWLETT PACKARD CO COM 428236103 91 800 SH DEFINED 2 800 HEWLETT PACKARD CO COM 428236103 21 187 SH DEFINED 187 HEWLETT PACKARD CO COM 428236103 6,515 57,271 SH SOLE 1 56,791 480 HEWLETT PACKARD CO COM 428236103 489 4,300 SH SOLE 2 4,300 HEWLETT PACKARD CO COM 428236103 1,385 12,176 SH SOLE 12,176 HOME DEPOT INCORPORATED COM 437076102 432 6,286 SH DEFINED 1 2,370 2,185 1,731 HOME DEPOT INCORPORATED COM 437076102 780 11,340 SH DEFINED 2 10,950 390 HOME DEPOT INCORPORATED COM 437076102 65 944 SH DEFINED 944 HOME DEPOT INCORPORATED COM 437076102 34 487 SH DEFINED 487 HOME DEPOT INCORPORATED COM 437076102 9,147 133,040 SH SOLE 1 130,889 2,151 HOME DEPOT INCORPORATED COM 437076102 358 5,200 SH SOLE 2 5,200 HOME DEPOT INCORPORATED COM 437076102 1,447 21,054 SH SOLE 21,054 HOME DEPOT INCORPORATED COM 437076102 186 2,709 SH SOLE 1,227 1,482 HONEYWELL INTERNATIONAL INC. COM 438516106 16 280 SH DEFINED 1 280 HONEYWELL INTERNATIONAL INC. COM 438516106 16 280 SH DEFINED 280 HONEYWELL INTERNATIONAL INC. COM 438516106 3,433 59,505 SH SOLE 1 58,635 870 HONEYWELL INTERNATIONAL INC. COM 438516106 310 5,370 SH SOLE 5,370 ILLINOIS TOOL WORKS, INCORPORATED COM 452308109 16 240 SH DEFINED 240 ILLINOIS TOOL WORKS, INCORPORATED COM 452308109 2,585 38,265 SH SOLE 1 37,975 290 ILLINOIS TOOL WORKS, INCORPORATED COM 452308109 391 5,787 SH SOLE 5,787 IMPERIAL SUGAR CO. NEW COM 453096109 33 10,000 SH DEFINED 1 10,000 INTEL CORPORATION COM 458140100 645 7,838 SH DEFINED 1 4,300 3,538 INTEL CORPORATION COM 458140100 873 10,600 SH DEFINED 2 10,600 INTEL CORPORATION COM 458140100 99 1,200 SH DEFINED 1,200 INTEL CORPORATION COM 458140100 8,045 97,736 SH SOLE 1 91,986 5,750 INTEL CORPORATION COM 458140100 2,576 31,300 SH SOLE 2 30,100 1,200 INTEL CORPORATION COM 458140100 1,376 16,715 SH SOLE 16,715 INTERNATIONAL BUSINESS MACHINES COM 459200101 499 4,628 SH DEFINED 1 1,200 500 2,928 INTERNATIONAL BUSINESS MACHINES COM 459200101 280 2,593 SH DEFINED 2 2,593 INTERNATIONAL BUSINESS MACHINES COM 459200101 3 24 SH DEFINED 24 INTERNATIONAL BUSINESS MACHINES COM 459200101 24 225 SH DEFINED 225 INTERNATIONAL BUSINESS MACHINES COM 459200101 4,876 45,202 SH SOLE 1 43,066 2,136 INTERNATIONAL BUSINESS MACHINES COM 459200101 92 854 SH SOLE 2 854 INTERNATIONAL BUSINESS MACHINES COM 459200101 475 4,399 SH SOLE 3,207 1,192 INTERNATIONAL BUSINESS MACHINES COM 459200101 238 2,202 SH SOLE 1,570 632 INTERNATIONAL PAPER COMPANY COM 460146103 476 8,426 SH DEFINED 1 7,426 1,000 INTERNATIONAL PAPER COMPANY COM 460146103 118 2,089 SH SOLE 1 2,089 INTUIT INC COM 461202103 1,079 18,000 SH DEFINED 1 18,000 J. P. MORGAN & CO., INC. COM 616880100 190 1,500 SH DEFINED 1 1,500 J. P. MORGAN & CO., INC. COM 616880100 248 1,960 SH SOLE 1 1,960 JANUS FLEXIBLE INCOME FUND #49 COM 471023606 112 11,966 SH DEFINED 1 6,084 5,881 JDS UNIPHASE CORPORATION COM 46612J101 484 3,000 SH SOLE 1 3,000 JEFFERSON-PILOT CORPORATION COM 475070108 27 389 SH DEFINED 389 JEFFERSON-PILOT CORPORATION COM 475070108 397 5,814 SH SOLE 5,814 JOHNSON & JOHNSON COM 478160104 529 5,669 SH DEFINED 1 5,669 JOHNSON & JOHNSON COM 478160104 22 240 SH DEFINED 240 JOHNSON & JOHNSON COM 478160104 7,427 79,650 SH SOLE 1 79,650 JOHNSON & JOHNSON COM 478160104 832 8,920 SH SOLE 8,920 KANSAS CITY SOUTHERN INDUSTRIES INC COM 485170104 213 2,850 SH SOLE 1 2,850 KANSAS CITY SOUTHERN INDUSTRIES INC COM 485170104 201 2,700 SH SOLE 2,700 KELLOGG COMPANY COM 487836108 1,003 32,540 SH SOLE 1 32,540 KEMPER INSURED CORPORATE TRUST COM 487903239 23 94,636 SH SOLE 1 94,636 KEMPER INSURED CORPORATE TRUST COM 487903312 14 20,262 SH SOLE 1 20,262 KIMBERLY CLARK CORP COM 494368103 39 590 SH DEFINED 1 190 400 KIMBERLY CLARK CORP COM 494368103 16 240 SH DEFINED 240 KIMBERLY CLARK CORP COM 494368103 5,081 77,650 SH SOLE 1 77,250 400 KIMBERLY CLARK CORP COM 494368103 211 3,225 SH SOLE 3,225 KLA TENCOR CORPORATION COM 482480100 200 1,800 SH DEFINED 2 1,800 KOHLS CORPORATION COM 500255104 303 4,200 SH DEFINED 2 4,200 LEXINGTON RAMIREZ GLOBAL INCOME COM 529534109 160 16,927 SH DEFINED 1 16,927 LILLY, ELI & CO COM 532457108 27 400 SH DEFINED 2 400 LILLY, ELI & CO COM 532457108 193 2,900 SH SOLE 2 1,800 1,100 LILLY, ELI & CO COM 532457108 552 8,300 SH SOLE 8,300 LOUISIANA PACIFIC CORP COM 546347105 13 900 SH DEFINED 900 LOUISIANA PACIFIC CORP COM 546347105 229 16,278 SH SOLE 16,278 LOWES COMPANIES INC COM 548661107 4,390 73,468 SH SOLE 1 72,498 970 LOWES COMPANIES INC COM 548661107 221 3,700 SH SOLE 3,700 LUCENT TECHNOLOGIES INCORPORATED COM 549463107 1,088 14,508 SH DEFINED 1 10,000 2,388 2,120 LUCENT TECHNOLOGIES INCORPORATED COM 549463107 292 3,888 SH DEFINED 2 3,888 LUCENT TECHNOLOGIES INCORPORATED COM 549463107 126 1,674 SH DEFINED 1,164 510 LUCENT TECHNOLOGIES INCORPORATED COM 549463107 1,961 26,148 SH SOLE 1 25,648 500 LUCENT TECHNOLOGIES INCORPORATED COM 549463107 715 9,534 SH SOLE 2 9,534 LUCENT TECHNOLOGIES INCORPORATED COM 549463107 996 13,276 SH SOLE 13,276 MARRIOTT INTERNATIONAL CL A (NEW) COM 571903202 2,927 92,723 SH SOLE 1 92,723 MCDONALDS CORP COM 580135101 323 8,000 SH DEFINED 1 8,000 MCDONALDS CORP COM 580135101 445 11,040 SH SOLE 1 10,440 600 MCDONALDS CORP COM 580135101 460 11,400 SH SOLE 2 11,400 MCGRAW HILL COMPANIES INC COM 580645109 1,390 22,551 SH SOLE 1 21,087 1,464 MCI WORLDCOM INC. COM 55268B106 24 457 SH DEFINED 1 457 MCI WORLDCOM INC. COM 55268B106 461 8,695 SH SOLE 1 7,945 750 MEDIAONE GROUP INCORPORATED COM 58440J104 184 2,400 SH DEFINED 1 2,400 MEDIAONE GROUP INCORPORATED COM 58440J104 111 1,448 SH SOLE 1 1,448 MEDTRONIC INC COM 585055106 364 10,000 SH DEFINED 2 10,000 MEDTRONIC INC COM 585055106 24 664 SH DEFINED 664 MEDTRONIC INC COM 585055106 3,661 100,485 SH SOLE 1 99,215 1,270 MEDTRONIC INC COM 585055106 240 6,580 SH SOLE 2 6,580 MEDTRONIC INC COM 585055106 371 10,190 SH SOLE 10,190 MERCK & CO., INC COM 589331107 2,362 35,152 SH DEFINED 1 9,056 5,416 20,680 MERCK & CO., INC COM 589331107 440 6,550 SH DEFINED 2 6,200 350 MERCK & CO., INC COM 589331107 7 100 SH DEFINED 100 MERCK & CO., INC COM 589331107 7,427 110,543 SH SOLE 1 108,169 2,374 MERCK & CO., INC COM 589331107 2,802 41,701 SH SOLE 2 41,701 MERCK & CO., INC COM 589331107 1,490 22,180 SH SOLE 22,180 MFS GEORGIA MUNICIPAL BOND FUND COM 55273N756 257 25,427 SH SOLE 1 25,427 MFS MUN SER TR COM 55273N863 200 17,513 SH SOLE 17,513 MFS MUNICIPAL HIGH INCOME FD CL A COM 552984304 129 15,742 SH SOLE 1 15,742 MICROSOFT CORPORATION COM 594918104 322 2,760 SH DEFINED 1 2,700 60 MICROSOFT CORPORATION COM 594918104 397 3,400 SH DEFINED 2 3,400 MICROSOFT CORPORATION COM 594918104 72 615 SH DEFINED 615 MICROSOFT CORPORATION COM 594918104 3,318 28,416 SH SOLE 1 22,430 5,986 MICROSOFT CORPORATION COM 594918104 1,471 12,600 SH SOLE 2 12,600 MICROSOFT CORPORATION COM 594918104 2,040 17,475 SH SOLE 17,475 MID-AMERICA APARTMENTS COM M00090627 139 5,368 SH DEFINED 1 5,368 MID-AMERICA APARTMENTS COM M00090627 327 16,669 SH SOLE 1 16,669 MINNESOTA MINING & MANUFACTURING COM 604059105 274 2,800 SH DEFINED 1 2,000 800 MINNESOTA MINING & MANUFACTURING COM 604059105 872 8,906 SH SOLE 1 8,906 MINNESOTA MINING & MANUFACTURING COM 604059105 367 3,750 SH SOLE 3,750 MONSANTO CO. COM 611662107 319 9,000 SH SOLE 9,000 MORGAN STANLEY DEAN WITTER & CO. COM 617446448 214 1,500 SH DEFINED 2 1,500 MORGAN STANLEY DEAN WITTER & CO. COM 617446448 890 6,233 SH SOLE 6,233 MOTOROLA, INC COM 620076109 398 2,700 SH DEFINED 2 2,700 MOTOROLA, INC COM 620076109 8,695 59,046 SH SOLE 1 58,696 350 MOTOROLA, INC COM 620076109 116 789 SH SOLE 2 789 MOTOROLA, INC COM 620076109 250 1,700 SH SOLE 1,700 MOTOROLA, INC COM 620076109 231 1,566 SH SOLE 1,566 NATIONAL DEPENDENT CARE,INC. COM 629005109 - 282,992 SH SOLE 1 282,992 NOKIA CORP-SPONSORED AMERICAN COM 654902204 344 1,800 SH SOLE 1 1,800 NORFOLK SOUTHERN CORPORATION COM 655844108 256 12,500 SH DEFINED 1 5,400 7,100 NORFOLK SOUTHERN CORPORATION COM 655844108 6 270 SH DEFINED 270 NORFOLK SOUTHERN CORPORATION COM 655844108 474 23,117 SH SOLE 1 23,117 NORFOLK SOUTHERN CORPORATION COM 655844108 796 38,817 SH SOLE 38,817 NORTEL NETWORKS CORP COM 656569100 303 3,000 SH DEFINED 2 3,000 NUVEEN FLAGSHIP MULTISTATE TR III COM 67065P600 142 14,055 SH SOLE 1 14,055 NUVEEN GEORGIA PREMIUM INCOME COM 67060F102 133 10,518 SH SOLE 1 10,518 NUVEEN PERFORMANCE PLUS MUNICIPAL COM 67062P108 244 21,019 SH SOLE 1 21,019 OMNICOM GROUP, INC. COM 681919106 280 2,800 SH DEFINED 2 2,800 OMNICOM GROUP, INC. COM 681919106 80 800 SH SOLE 2 800 ORACLE CORPORATION COM 68389X105 2,003 17,876 SH DEFINED 1 12,210 1,919 3,747 ORACLE CORPORATION COM 68389X105 50 447 SH DEFINED 447 ORACLE CORPORATION COM 68389X105 17,081 152,427 SH SOLE 1 149,862 2,565 ORACLE CORPORATION COM 68389X105 765 6,825 SH SOLE 2 6,825 ORACLE CORPORATION COM 68389X105 767 6,847 SH SOLE 6,847 ORACLE CORPORATION COM 68389X105 231 2,057 SH SOLE 1,000 1,057 PAB BANKSHARES, INC. COM 69313P101 1 75 SH DEFINED 1 75 PAB BANKSHARES, INC. COM 69313P101 1,469 110,342 SH SOLE 1 110,342 PAINE WEBBER GROUP INC COM 695629105 2,355 60,680 SH SOLE 1 60,680 PELOTA PARTNERS A FLORIDA GENERAL COM M00022638 80 80,000 SH SOLE 1 80,000 PEPSICO, INC. COM 713448108 233 6,600 SH DEFINED 1 6,000 600 PEPSICO, INC. COM 713448108 19 540 SH DEFINED 540 PEPSICO, INC. COM 713448108 100 2,834 SH SOLE 1 2,834 PEPSICO, INC. COM 713448108 669 18,970 SH SOLE 18,970 PFIZER INC COM 717081103 586 18,069 SH DEFINED 1 12,000 5,816 253 PFIZER INC COM 717081103 29 885 SH DEFINED 885 PFIZER INC COM 717081103 2,730 84,161 SH SOLE 1 80,341 3,820 PFIZER INC COM 717081103 597 18,400 SH SOLE 2 18,400 PFIZER INC COM 717081103 773 23,830 SH SOLE 23,230 600 PHILIP MORRIS COMPANIES INC COM 718154107 161 7,000 SH DEFINED 1 1,000 1,200 4,800 PHILIP MORRIS COMPANIES INC COM 718154107 9 400 SH DEFINED 2 400 PHILIP MORRIS COMPANIES INC COM 718154107 356 15,494 SH SOLE 1 15,494 PHILIP MORRIS COMPANIES INC COM 718154107 1,003 43,630 SH SOLE 2 41,830 1,800 PIMCO FUNDS PACIFIC MANAGEMENT COM 693390551 204 21,183 SH SOLE 21,183 PPG INDUSTRIES, INC COM 693506107 250 4,000 SH DEFINED 1 4,000 PPG INDUSTRIES, INC COM 693506107 499 7,969 SH SOLE 1 7,969 PREFERRED LAND CORP (GEORGIA) COM 629994104 - 15,000 SH SOLE 1 15,000 PREMIER BANCSHARES INCORPORATED COM 739909109 141 10,350 SH SOLE 1 10,350 PREPAID LEGAL SERVICES INCORPORATED COM 740065107 731 30,469 SH SOLE 1 30,469 PROCTOR & GAMBLE COM 742718109 131 1,200 SH DEFINED 1 200 1,000 PROCTOR & GAMBLE COM 742718109 279 2,550 SH DEFINED 2 2,100 450 PROCTOR & GAMBLE COM 742718109 9 85 SH DEFINED 85 PROCTOR & GAMBLE COM 742718109 38 350 SH DEFINED 350 PROCTOR & GAMBLE COM 742718109 4,566 41,674 SH SOLE 1 41,399 275 PROCTOR & GAMBLE COM 742718109 1,823 16,639 SH SOLE 2 16,639 PROCTOR & GAMBLE COM 742718109 517 4,721 SH SOLE 4,721 PROCTOR & GAMBLE COM 742718109 175 1,597 SH SOLE 806 791 PROVIDIAN FINANCIAL CORPORATION COM 74406A102 466 5,122 SH SOLE 5,122 PUTNAM TAX EXEMPT INCOME FUND COM 746870104 189 22,547 SH SOLE 1 22,547 QUALCOMM CORP COM 747525103 881 5,000 SH DEFINED 1 5,000 QUALCOMM CORP COM 747525103 389 2,208 SH SOLE 1 1,808 400 REGIONS FINANCIAL CORP COM 758940100 346 13,785 SH SOLE 1 13,785 RELIANT ENERGY INC. COM 75952J108 9 400 SH DEFINED 1 400 RELIANT ENERGY INC. COM 75952J108 1,311 57,320 SH SOLE 1 57,320 ROCKWELL INTERNATIONAL CORPORATION COM 773903109 232 4,856 SH SOLE 1 4,856 ROYAL DUTCH PETROLEUM COMPANY NEW COM 780257804 170 2,800 SH DEFINED 1 2,800 ROYAL DUTCH PETROLEUM COMPANY NEW COM 780257804 285 4,699 SH SOLE 1 4,699 SARA LEE CORPORATION COM 803111103 287 13,000 SH DEFINED 1 8,000 5,000 SARA LEE CORPORATION COM 803111103 11 480 SH DEFINED 480 SARA LEE CORPORATION COM 803111103 2,543 115,278 SH SOLE 1 114,528 750 SARA LEE CORPORATION COM 803111103 326 14,790 SH SOLE 14,790 SBC COMMUNICATIONS, INC. COM 78387G103 1,082 22,193 SH DEFINED 1 12,458 9,581 154 SBC COMMUNICATIONS, INC. COM 78387G103 146 3,000 SH DEFINED 2 300 2,700 SBC COMMUNICATIONS, INC. COM 78387G103 54 1,105 SH DEFINED 1,105 SBC COMMUNICATIONS, INC. COM 78387G103 7,953 163,137 SH SOLE 1 159,457 3,680 SBC COMMUNICATIONS, INC. COM 78387G103 532 10,904 SH SOLE 2 10,904 SBC COMMUNICATIONS, INC. COM 78387G103 1,075 22,053 SH SOLE 22,053 SCANA CORPORATION COM 805898103 17 642 SH DEFINED 642 SCANA CORPORATION COM 805898103 191 7,097 SH SOLE 6,697 400 SCHERING PLOUGH CORP. COM 806605101 68 1,600 SH DEFINED 1 1,000 600 SCHERING PLOUGH CORP. COM 806605101 4 104 SH DEFINED 104 SCHERING PLOUGH CORP. COM 806605101 836 19,728 SH SOLE 1 19,728 SCHERING PLOUGH CORP. COM 806605101 949 22,400 SH SOLE 2 22,400 SCHERING PLOUGH CORP. COM 806605101 1,475 34,800 SH SOLE 34,800 SCHLUMBERGER LTD COM 806857108 157 2,800 SH DEFINED 1 2,800 SCHLUMBERGER LTD COM 806857108 2,548 45,393 SH SOLE 1 45,393 SCHLUMBERGER LTD COM 806857108 255 4,550 SH SOLE 2 4,550 SCHLUMBERGER LTD COM 806857108 373 6,650 SH SOLE 6,650 SCHOLASTIC CORPORATION COM 807066105 252 4,051 SH SOLE 1 4,051 SEAGRAM LIMITED COM 811850106 251 5,600 SH SOLE 2 5,600 SELIGMAN INCOME FUND, INC. COM 816338107 243 17,917 SH SOLE 17,917 SELIGMAN MUNICIPAL SOUTH CAROLINA COM 816346811 1,148 156,589 SH SOLE 156,589 SMITHKLINE BEECHAM PLC CLASS A COM 832378301 244 3,800 SH DEFINED 2 3,800 SMITHKLINE BEECHAM PLC CLASS A COM 832378301 269 4,200 SH SOLE 2 4,200 SONOCO PRODUCTS COMPANY COM 835495102 254 11,180 SH DEFINED 11,180 SOUTHEASTERN FACTOR & FINANCE COM 784991101 - 14,700 SH SOLE 1 14,700 SOUTHERN COMPANY COM 842587107 319 13,590 SH DEFINED 1 4,100 9,490 SOUTHERN COMPANY COM 842587107 1,887 80,278 SH SOLE 1 80,278 SPRINT CORPORATION SERIES I PCS COM 852061506 205 2,000 SH DEFINED 1 2,000 SPRINT CORPORATION SERIES I PCS COM 852061506 327 3,192 SH SOLE 1 2,532 660 SPRINT, CORP COM 852061100 539 8,000 SH DEFINED 1 8,000 SPRINT, CORP COM 852061100 1,034 15,368 SH SOLE 1 10,128 5,240 SPRINT, CORP COM 852061100 269 4,000 SH SOLE 4,000 ST PAUL COMPANIES, INC. COM 792860108 214 6,367 SH SOLE 1 6,367 STEELCASE INC. CLASS B COM 858155401 154 12,857 SH SOLE 12,857 STEIN ROE INCOME TR COM 858420102 120 13,027 SH DEFINED 1 13,027 STRATEGIC TECHNOLOGIES, INC COM 786991109 - 38,000 SH SOLE 1 38,000 SUN MICROSYSTEMS, INC. COM 866810104 310 4,000 SH DEFINED 2 4,000 SUN MICROSYSTEMS, INC. COM 866810104 878 11,339 SH SOLE 1 11,339 SUN MICROSYSTEMS, INC. COM 866810104 2,623 33,870 SH SOLE 33,870 SUNTRUST BANKS INC COM 867914103 586 8,512 SH DEFINED 1 1,000 5,612 1,900 SUNTRUST BANKS INC COM 867914103 241 3,500 SH DEFINED 2 3,500 SUNTRUST BANKS INC COM 867914103 17,322 251,720 SH SOLE 1 251,720 SUNTRUST BANKS INC COM 867914103 303 4,400 SH SOLE 2 4,400 SYNOVUS FINANCIAL CORP. COM 87161C105 285,432 4,361,371 SH DEFINED 1 12,897 829,419 13,519,055 SYNOVUS FINANCIAL CORP. COM 87161C105 669 33,646 SH DEFINED 2 33,646 SYNOVUS FINANCIAL CORP. COM 87161C105 432,690 21,770,571 SH SOLE 1 20,655,395 37,150 1,078,026 SYNOVUS FINANCIAL CORP. COM 87161C105 8,004 402,710 SH SOLE 2 402,710 SYNOVUS FINANCIAL CORP. COM 87161C105 7,000 318,540 SH SOLE 318,540 SYNOVUS FINANCIAL CORP. COM 87161C105 3,335 167,795 SH SOLE 110,483 57,312 T ROWE PRICE SPECTRUM INCOME FUND COM 779906106 157 14,644 SH DEFINED 1 14,644 TECO ENERGY INC. COM 872375100 184 9,900 SH DEFINED 2 9,900 TECO ENERGY INC. COM 872375100 726 39,100 SH SOLE 2 39,100 TELLABS, INC. DELEWARE COM 879664100 209 3,250 SH SOLE 3,250 TEXACO INC COM 881694103 114 2,100 SH DEFINED 1 200 1,900 TEXACO INC COM 881694103 33 600 SH DEFINED 600 TEXACO INC COM 881694103 276 5,073 SH SOLE 1 5,073 TEXACO INC COM 881694103 314 5,785 SH SOLE 5,785 TEXAS INSTRUMENTS INC COM 882508104 387 4,000 SH DEFINED 1 4,000 TEXAS INSTRUMENTS INC COM 882508104 319 3,300 SH DEFINED 2 3,300 TEXAS INSTRUMENTS INC COM 882508104 6,349 65,711 SH SOLE 1 64,911 800 TEXAS INSTRUMENTS INC COM 882508104 354 3,665 SH SOLE 3,665 THE GOVERNMENT SECURITIES INCOME COM 383743580 11 278,592 SH SOLE 278,592 TIME WARNER INC COM 887315109 217 3,000 SH DEFINED 1 3,000 TIME WARNER INC COM 887315109 202 2,800 SH DEFINED 2 2,800 TIME WARNER INC COM 887315109 19 260 SH SOLE 1 260 TIME WARNER INC COM 887315109 145 2,000 SH SOLE 2 2,000 TOTAL SYSTEM SERVICES, INC. COM 891906109 4,775 292,719 SH DEFINED 1 1,750 285,569 5,400 TOTAL SYSTEM SERVICES, INC. COM 891906109 20,612 1,263,558 SH SOLE 1 1,221,007 42,551 TYCO INTERNATIONAL LIMITED (NEW) COM 902124106 290 7,430 SH SOLE 1 7,430 TYCO INTERNATIONAL LIMITED (NEW) COM 902124106 218 5,600 SH SOLE 2 5,600 U S WEST INCORPORATED NEW COM 91273H101 249 3,465 SH DEFINED 1 2,465 1,000 U S WEST INCORPORATED NEW COM 91273H101 250 3,472 SH SOLE 1 3,472 U.S. GOVT SECURITIES FUND #22 COM 026300103 131 10,545 SH SOLE 10,545 UNION PLANTERS CORP COM 908068109 252 6,379 SH SOLE 1 6,379 UNITED HEALTHCARE CORPORATION COM 910581107 2,055 38,676 SH SOLE 1 38,116 560 UNITED TECHNOLOGIES CORP COM 913017109 16 250 SH DEFINED 1 100 150 UNITED TECHNOLOGIES CORP COM 913017109 277 4,264 SH SOLE 1 4,264 UNITED TECHNOLOGIES CORP COM 913017109 273 4,200 SH SOLE 4,200 VANGUARD ADMIRAL FUNDS COM 921932208 236 23,862 SH DEFINED 1 23,862 VANGUARD BOND INDEX TOTAL BOND COM 921937108 182 19,086 SH DEFINED 1 19,086 VANGUARD FIXED INCOME SHORT TERM COM 922031406 194 18,438 SH DEFINED 1 18,438 VANGUARD FIXED INCOME SHORT TERM COM 922031406 - - SH SOLE 1 VANGUARD FIXED SECURITIES FUND - COM 922031307 117 11,902 SH DEFINED 1 8,952 2,949 VANGUARD FIXED SECURITIES FUND - COM 922031307 143 14,497 SH DEFINED 2 14,497 VANGUARD FIXED SECURITIES FUND - COM 922031307 908 92,115 SH SOLE 1 92,115 VANGUARD FIXED SECURITIES FUND - COM 922031307 2,913 295,394 SH SOLE 2 290,131 5,263 VANGUARD MUNICIPAL BOND INTERMED. COM 922907209 1,604 125,581 SH SOLE 1 124,421 1,160 VANGUARD MUNICIPAL BOND INTERMED. COM 922907209 1,148 89,923 SH SOLE 89,923 VLASSIC FOODS INTERNATIONAL COM 928559103 85 15,000 SH DEFINED 1 15,000 VODAFONE AIRTOUCH PUBLIC LIMITED CO COM 92857T107 127 2,560 SH DEFINED 1 2,560 VODAFONE AIRTOUCH PUBLIC LIMITED CO COM 92857T107 1,067 21,555 SH SOLE 1 21,555 WACHOVIA CORPORATION COM 929771103 544 8,006 SH DEFINED 1 672 7,334 WACHOVIA CORPORATION COM 929771103 5,647 83,049 SH SOLE 1 83,049 WALGREEN COMPANY COM 931422109 176 6,000 SH DEFINED 2 6,000 WALGREEN COMPANY COM 931422109 303 10,350 SH SOLE 2 10,350 WAL-MART STORES, INC. COM 931142103 1,010 14,616 SH DEFINED 1 6,000 8,421 195 WAL-MART STORES, INC. COM 931142103 359 5,200 SH DEFINED 2 5,200 WAL-MART STORES, INC. COM 931142103 6 90 SH DEFINED 90 WAL-MART STORES, INC. COM 931142103 2,960 42,814 SH SOLE 1 42,814 WAL-MART STORES, INC. COM 931142103 3,817 55,212 SH SOLE 2 55,212 WAL-MART STORES, INC. COM 931142103 897 12,978 SH SOLE 12,978 WALT DISNEY COMPANY HOLDING CO. COM 254687106 250 8,545 SH DEFINED 1 7,000 1,545 WALT DISNEY COMPANY HOLDING CO. COM 254687106 18 600 SH DEFINED 2 600 WALT DISNEY COMPANY HOLDING CO. COM 254687106 16 555 SH DEFINED 555 WALT DISNEY COMPANY HOLDING CO. COM 254687106 3,506 119,850 SH SOLE 1 119,850 WALT DISNEY COMPANY HOLDING CO. COM 254687106 1,099 37,560 SH SOLE 2 37,560 WALT DISNEY COMPANY HOLDING CO. COM 254687106 445 15,215 SH SOLE 15,215 WARBURG PINCUS GLOBAL FIXED INCOME COM 933907107 126 12,655 SH DEFINED 1 12,655 WARNER LAMBERT CO COM 934488107 115 1,400 SH DEFINED 1 1,400 WARNER LAMBERT CO COM 934488107 4 46 SH DEFINED 46 WARNER LAMBERT CO COM 934488107 1,571 19,171 SH SOLE 1 19,171 WARNER LAMBERT CO COM 934488107 914 11,152 SH SOLE 2 11,152 WARNER LAMBERT CO COM 934488107 1,198 14,620 SH SOLE 14,620 WASHINGTON MUTUAL, INC. COM 939322103 1,795 69,368 SH SOLE 1 69,368 WELLS FARGO & COMPANY NEW COM 949746101 226 5,600 SH DEFINED 1 3,600 2,000 WELLS FARGO & COMPANY NEW COM 949746101 226 5,590 SH SOLE 1 5,590 WESTPOINT STEVENS INC COM 961238102 424 24,217 SH SOLE 1 24,217 WEYERHAEUSER CO COM 962166104 2,374 33,060 SH SOLE 1 33,060 WINN-DIXIE STORES, INC. COM 974280109 1,044 43,596 SH DEFINED 2 43,596 WINN-DIXIE STORES, INC. COM 974280109 124 5,200 SH DEFINED 5,200 WINN-DIXIE STORES, INC. COM 974280109 811 33,890 SH SOLE 1 33,890 WINN-DIXIE STORES, INC. COM 974280109 1,095 45,736 SH SOLE 2 45,736 WINN-DIXIE STORES, INC. COM 974280109 278 11,627 SH SOLE 11,627 WISCONSIN ENERGY CORP COM 976657106 69 3,600 SH DEFINED 1 3,600 WISCONSIN ENERGY CORP COM 976657106 163 8,450 SH SOLE 1 8,450 XEROX CORP COM 984121103 7 320 SH DEFINED 1 320 XEROX CORP COM 984121103 2,113 93,140 SH SOLE 1 92,510 630 YAHOO! INCORPORATED COM 984332106 65 150 SH DEFINED 1 150 YAHOO! INCORPORATED COM 984332106 476 1,100 SH DEFINED 2 1,100 YAHOO! INCORPORATED COM 984332106 186 430 SH SOLE 1 430
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