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



                                  July 5, 2000
                          ----------------------------
                            (Earliest Event Reported)



                             Synovus Financial Corp.
                           ---------------------------
                          (Exact Name of Registrant as
                            Specified in its Charter)


   Georgia                         1-10312                       58-1134883
--------------                 ---------------                ---------------
(State of                     (Commission File                 (IRS Employer
  Incorporation)               Number)                          Identification
                                                                Number)


              901 Front Avenue, Suite 301, Columbus, Georgia 31901
              -----------------------------------------------------
                    (Address of principal executive offices)


                                 (706) 649-2267
                      -------------------------------------
                         (Registrant's Telephone Number)


          -------------------------------------------------------------
          (Former name or former address, if changed since last report)





Item 5.           Other Events.
------            -------------

         On July 5, 2000, Total System Services, Inc. ("TSYS"), an 80.8 percent
owned subsidiary of Synovus Financial Corp. ("Registrant"), announced that it
expects its 2000 net income to exceed its 1999 net income by 25% and expects
its earnings per share to be $.44.

         A copy of TSYS' press release regarding the announcement referenced
above is attached hereto as Exhibit 99.1 and by this reference is hereby
incorporated by reference into this Form 8-K and made a part hereof.

Intem 7.     Financial Statements. Pro Forma Financial Information and Exhibits.
--------     -------------------------------------------------------------------

         (a) Financial Statements - None.

         (b) Pro Forma Financial Information - None.

         (c) Exhibits

             99.1 - TSYS' press release, July 5, 2000.




                                    Signature


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

                                         SYNOVUS FINANCIAL CORP.
                                         ("Registrant")


Dated: July 5, 2000                      By:/s/Kathleen Moates
       -------------                        ------------------------------------
                                         Kathleen Moates
                                         Senior Deputy General Counsel












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