13F-HR 1 dec13f.txt SYNOVUS FINANCIAL CORP.'S 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, 2000 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 January 29, 2001 [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: 599 Form 13F Information Table Value Total: 2,338,140 (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 AFLAC, INCORPORATED COM 001055102 7,054 97,718 SH DEFINED 1 13,791 83,927 AFLAC, INCORPORATED COM 001055102 29,326 406,240 SH SOLE 1 404,595 1,645 AT&T CORP COM 001957109 328 19,031 SH DEFINED 1 15,597 3,434 AT&T CORP COM 001957109 31 1,785 SH DEFINED 1,350 435 AT&T CORP COM 001957109 2,236 129,625 SH SOLE 1 129,425 200 AT&T CORP COM 001957109 273 15,814 SH SOLE 2 15,814 AT&T CORP COM 001957109 408 23,652 SH SOLE 23,652 ABBOTT LABS COM 002824100 165 3,400 SH DEFINED 1 3,400 ABBOTT LABS COM 002824100 394 8,140 SH SOLE 1 7,940 200 ABBOTT LABS COM 002824100 723 14,930 SH SOLE 14,930 AEGON N V AEGON AME COM 007924103 247 5,952 SH SOLE 5,952 AGILENT TECHNOLOGIE COM 00846U101 25 462 SH DEFINED 1 108 354 AGILENT TECHNOLOGIE COM 00846U101 4 70 SH DEFINED 70 AGILENT TECHNOLOGIE COM 00846U101 467 8,529 SH SOLE 1 8,346 183 AGILENT TECHNOLOGIE COM 00846U101 261 4,765 SH SOLE 4,765 AIR PRODUCTS & CHEM COM 009158106 1,494 36,440 SH SOLE 1 36,440 ALCOA INC COM 013817101 238 7,106 SH DEFINED 1 2,306 4,800 ALCOA INC COM 013817101 516 15,400 SH SOLE 1 15,400 ALLNETSERVICES COM COM 01976N107 1 10,000 SH SOLE 1 10,000 ALLSTATE CORPORATIO COM 020002101 456 10,476 SH SOLE 10,476 ALLTEL CORPORATION COM 020039103 419 6,711 SH SOLE 1 6,391 320 ALLTEL CORPORATION COM 020039103 346 5,546 SH SOLE 5,546 AMERICA ONLINE, INC COM 02364J104 65 1,875 SH DEFINED 1 1,710 125 40 AMERICA ONLINE, INC COM 02364J104 289 8,291 SH SOLE 1 6,291 2,000 AMERICAN ELECTRIC P COM 025537101 128 2,759 SH DEFINED 1 2,759 AMERICAN ELECTRIC P COM 025537101 251 5,400 SH SOLE 1 5,400 AMERICAN EXPRESS CO COM 025816109 536 9,750 SH DEFINED 1 3,000 2,100 4,650 AMERICAN EXPRESS CO COM 025816109 737 13,409 SH SOLE 1 13,409 U.S. GOVT SECURITIE COM 026300103 138 10,545 SH SOLE 10,545 AMERICAN HIGH-INCOM COM 026547109 308 25,332 SH SOLE 25,332 AMERICAN HOME PRODU COM 026609107 241 3,800 SH DEFINED 1 3,800 AMERICAN HOME PRODU COM 026609107 25 400 SH DEFINED 2 400 AMERICAN HOME PRODU COM 026609107 6,445 101,423 SH SOLE 1 100,693 730 AMERICAN HOME PRODU COM 026609107 415 6,526 SH SOLE 2 6,526 AMERICAN HOME PRODU COM 026609107 588 9,260 SH SOLE 9,260 AMERICAN INTERNATIO COM 026874107 28 287 SH DEFINED 2 287 AMERICAN INTERNATIO COM 026874107 13 129 SH DEFINED 129 AMERICAN INTERNATIO COM 026874107 1,555 15,772 SH SOLE 1 15,772 AMERICAN INTERNATIO COM 026874107 187 1,901 SH SOLE 2 1,901 AMERICAN INTERNATIO COM 026874107 311 3,159 SH SOLE 3,159 AMGEN INC COM 031162100 789 12,334 SH DEFINED 1 12,334 AMGEN INC COM 031162100 320 5,000 SH DEFINED 2 5,000 AMGEN INC COM 031162100 33 520 SH DEFINED 520 AMGEN INC COM 031162100 899 14,061 SH SOLE 1 14,061 AMGEN INC COM 031162100 409 6,400 SH SOLE 6,400 ANHEUSER BUSCH COMP COM 035229103 446 9,804 SH DEFINED 1 8,000 1,804 ANHEUSER BUSCH COMP COM 035229103 55 1,200 SH DEFINED 2 1,200 ANHEUSER BUSCH COMP COM 035229103 168 3,690 SH SOLE 1 3,690 ANHEUSER BUSCH COMP COM 035229103 364 8,000 SH SOLE 2 8,000 APPLIED MATERIALS I COM 038222105 2,717 71,150 SH SOLE 1 71,150 ARCHER-DANIELS-MIDL COM 039483102 316 21,050 SH DEFINED 1 21,050 AURA SYSTEMS INCORP COM 051526101 4 13,545 SH SOLE 1 13,545 AUTOMATIC DATA PROC COM 053015103 279 4,400 SH DEFINED 1 4,400 AUTOMATIC DATA PROC COM 053015103 431 6,800 SH DEFINED 2 6,300 500 AUTOMATIC DATA PROC COM 053015103 2,957 46,712 SH SOLE 1 46,712 AUTOMATIC DATA PROC COM 053015103 539 8,514 SH SOLE 2 8,514 BB & T CORPORATION COM 054937107 66 1,775 SH DEFINED 1 1,775 BB & T CORPORATION COM 054937107 287 7,681 SH DEFINED 7,681 BB & T CORPORATION COM 054937107 395 10,592 SH SOLE 1 9,112 1,480 BB & T CORPORATION COM 054937107 48 1,290 SH SOLE 1,290 BP AMOCO PLC SPONSO COM 055622104 504 10,533 SH DEFINED 1 5,650 4,883 BP AMOCO PLC SPONSO COM 055622104 386 8,070 SH DEFINED 2 8,070 BP AMOCO PLC SPONSO COM 055622104 4 92 SH DEFINED 92 BP AMOCO PLC SPONSO COM 055622104 371 7,740 SH DEFINED 7,740 BP AMOCO PLC SPONSO COM 055622104 4,489 93,758 SH SOLE 1 91,518 2,240 BP AMOCO PLC SPONSO COM 055622104 323 6,746 SH SOLE 2 6,746 BP AMOCO PLC SPONSO COM 055622104 251 5,236 SH SOLE 5,138 98 BUTLER FIFTH GENERA COM 056010309 16,573 225,631 SH SOLE 1 225,631 BANK OF AMERICA COR COM 060505104 423 9,221 SH DEFINED 1 168 5,236 3,817 BANK OF AMERICA COR COM 060505104 666 14,528 SH DEFINED 2 840 11,739 1,949 BANK OF AMERICA COR COM 060505104 640 13,953 SH DEFINED 13,953 BANK OF AMERICA COR COM 060505104 3,890 84,796 SH SOLE 1 81,670 3,126 BANK OF AMERICA COR COM 060505104 869 18,952 SH SOLE 2 18,952 BANK OF AMERICA COR COM 060505104 2,536 55,278 SH SOLE 53,806 1,472 BANK ONE CORPORATIO COM 06423A103 41 1,132 SH DEFINED 1 1,132 BANK ONE CORPORATIO COM 06423A103 539 14,714 SH SOLE 1 14,714 BANK OF SOUTH CAROL COM 065066102 131 10,151 SH DEFINED 10,151 BAXTER INTERNATIONA COM 071813109 115 1,300 SH DEFINED 1 500 800 BAXTER INTERNATIONA COM 071813109 1,454 16,469 SH SOLE 1 16,469 BELLSOUTH CORPORATI COM 079860102 2,906 70,987 SH DEFINED 1 5,691 61,872 3,424 BELLSOUTH CORPORATI COM 079860102 356 8,700 SH DEFINED 2 7,400 1,300 BELLSOUTH CORPORATI COM 079860102 107 2,620 SH DEFINED 2,400 220 BELLSOUTH CORPORATI COM 079860102 229 5,600 SH DEFINED 5,600 BELLSOUTH CORPORATI COM 079860102 7,161 174,924 SH SOLE 1 170,214 4,710 BELLSOUTH CORPORATI COM 079860102 2,838 69,322 SH SOLE 2 69,322 BELLSOUTH CORPORATI COM 079860102 882 21,534 SH SOLE 21,354 180 BERKSHIRE HATHAWAY, COM 084670108 1,420 20 SH SOLE 1 20 BOLLINGER INDUSTRIE COM 097676100 7 28,000 SH SOLE 1 28,000 BOLLINGER INDUSTRIE COM 097676993 45 110,000 SH SOLE 1 110,000 AMERICAN BOND FUND COM 097873103 187 14,598 SH SOLE 14,598 BRISTOL-MYERS SQUIB COM 110122108 1,275 17,243 SH DEFINED 1 7,650 6,668 2,925 BRISTOL-MYERS SQUIB COM 110122108 7,659 103,583 SH SOLE 1 102,263 700 620 BRISTOL-MYERS SQUIB COM 110122108 2,273 30,747 SH SOLE 2 30,747 BRISTOL-MYERS SQUIB COM 110122108 2,472 33,427 SH SOLE 33,427 BUILDING MATERIALS COM 120113105 85 10,000 SH DEFINED 1 10,000 CENTURY SOUTH BANKS COM 156683104 394 11,689 SH SOLE 1 11,689 CHASE MANHATTAN COR COM 16161A108 136 3,000 SH DEFINED 1 3,000 CHASE MANHATTAN COR COM 16161A108 180 3,967 SH SOLE 1 3,967 CHEVRON CORPORATION COM 166751107 310 3,670 SH DEFINED 1 2,622 1,048 CHEVRON CORPORATION COM 166751107 456 5,400 SH DEFINED 2 5,200 200 CHEVRON CORPORATION COM 166751107 3,952 46,809 SH SOLE 1 46,514 295 CHEVRON CORPORATION COM 166751107 1,337 15,832 SH SOLE 2 15,832 CHUBB CORPORATION COM 171232101 7,218 83,444 SH DEFINED 1 1,744 81,700 CHUBB CORPORATION COM 171232101 389 4,500 SH DEFINED 2 4,500 CHUBB CORPORATION COM 171232101 5,074 58,659 SH SOLE 1 58,499 160 CHUBB CORPORATION COM 171232101 30 350 SH SOLE 2 350 CISCO SYSTEMS COM 17275R102 252 6,588 SH DEFINED 1 1,198 5,390 CISCO SYSTEMS COM 17275R102 252 6,600 SH DEFINED 2 5,200 1,400 CISCO SYSTEMS COM 17275R102 6 158 SH DEFINED 158 CISCO SYSTEMS COM 17275R102 21 543 SH DEFINED 543 CISCO SYSTEMS COM 17275R102 3,736 97,684 SH SOLE 1 94,984 2,700 CISCO SYSTEMS COM 17275R102 446 11,663 SH SOLE 2 11,663 CISCO SYSTEMS COM 17275R102 1,679 43,904 SH SOLE 43,904 CISCO SYSTEMS COM 17275R102 661 17,268 SH SOLE 17,268 CITIGROUP INCORPORA COM 172967101 1,545 30,255 SH DEFINED 1 10,669 19,313 273 CITIGROUP INCORPORA COM 172967101 30 596 SH DEFINED 596 CITIGROUP INCORPORA COM 172967101 2,515 49,252 SH SOLE 1 48,178 1,074 CITIGROUP INCORPORA COM 172967101 1,019 19,948 SH SOLE 19,948 CLOROX COMPANY COM 189054109 21 596 SH DEFINED 1 596 CLOROX COMPANY COM 189054109 241 6,800 SH SOLE 1 6,800 COASTAL CORPORATION COM 190441105 3,727 42,197 SH SOLE 1 42,197 COCA COLA COMPANY COM 191216100 28,318 464,707 SH DEFINED 1 31,117 424,995 8,595 COCA COLA COMPANY COM 191216100 5,180 85,000 SH DEFINED 2 85,000 COCA COLA COMPANY COM 191216100 21 342 SH DEFINED 342 COCA COLA COMPANY COM 191216100 499,169 8,191,428 SH SOLE 1 8,146,402 45,026 COCA COLA COMPANY COM 191216100 126,152 2,070,167 SH SOLE 2 1,971,407 98,760 COCA COLA COMPANY COM 191216100 1,479 24,270 SH SOLE 24,270 COLGATE-PALMOLIVE C COM 194162103 349 5,400 SH DEFINED 2 5,400 COLGATE-PALMOLIVE C COM 194162103 3,487 54,013 SH SOLE 1 54,013 COLGATE-PALMOLIVE C COM 194162103 187 2,900 SH SOLE 2 2,900 COLGATE-PALMOLIVE C COM 194162103 607 9,400 SH SOLE 9,400 COMPAQ COMPUTER COR COM 204493100 91 6,060 SH DEFINED 1 4,000 2,060 COMPAQ COMPUTER COR COM 204493100 2,403 159,684 SH SOLE 1 158,001 1,683 CONAGRA FOODS INCOR COM 205887102 2,509 96,505 SH SOLE 1 96,505 CONOCO INCORPORATED COM 208251306 286 10,000 SH DEFINED 1 10,000 CONOCO CLASS B COM 208251405 1,934 66,825 SH SOLE 1 66,825 CORNING INCORPORATE COM 219350105 264 5,000 SH DEFINED 2 5,000 CORNING INCORPORATE COM 219350105 384 7,275 SH SOLE 7,275 CORPAS INVESTMENTS, COM 21986N103 3 13,333 SH SOLE 1 13,333 COUSINS PROPERTIES COM 222795106 84 3,000 SH DEFINED 1 3,000 COUSINS PROPERTIES COM 222795106 220 7,875 SH SOLE 1 7,875 COX COMMUNICATIONS, COM 224044107 207 4,450 SH DEFINED 1 4,450 DEVELOPERS-INVESTOR COM 232990AA9 456 450,000 SH SOLE 1 DARDEN RESTAURANTS COM 237194105 183 8,000 SH DEFINED 1 8,000 DARDEN RESTAURANTS COM 237194105 1,019 44,552 SH SOLE 1 44,552 DELL COMPUTER CORPO COM 247025109 24 1,400 SH DEFINED 1 1,400 DELL COMPUTER CORPO COM 247025109 1,302 74,636 SH SOLE 1 73,636 1,000 WALT DISNEY COMPANY COM 254687106 259 8,935 SH DEFINED 1 7,000 1,935 WALT DISNEY COMPANY COM 254687106 18 605 SH DEFINED 605 WALT DISNEY COMPANY COM 254687106 4,713 162,858 SH SOLE 1 162,158 700 WALT DISNEY COMPANY COM 254687106 1,087 37,560 SH SOLE 2 37,560 WALT DISNEY COMPANY COM 254687106 489 16,910 SH SOLE 16,910 E. I. DUPONT DE NEM COM 263534109 561 11,605 SH DEFINED 1 6,100 5,505 E. I. DUPONT DE NEM COM 263534109 14 300 SH DEFINED 2 300 E. I. DUPONT DE NEM COM 263534109 25 525 SH DEFINED 525 E. I. DUPONT DE NEM COM 263534109 1,809 37,445 SH SOLE 1 37,105 340 E. I. DUPONT DE NEM COM 263534109 204 4,229 SH SOLE 2 4,229 E. I. DUPONT DE NEM COM 263534109 2,442 50,554 SH SOLE 50,554 DUKE ENERGY CORPORA COM 264399106 490 5,750 SH DEFINED 1 2,000 3,750 DUKE ENERGY CORPORA COM 264399106 34 400 SH DEFINED 2 400 DUKE ENERGY CORPORA COM 264399106 17 200 SH DEFINED 200 DUKE ENERGY CORPORA COM 264399106 172 2,017 SH SOLE 1 2,017 DUKE ENERGY CORPORA COM 264399106 350 4,100 SH SOLE 2 4,100 DUKE ENERGY CORPORA COM 264399106 624 7,320 SH SOLE 7,320 EMC CORP COM 268648102 34 510 SH DEFINED 1 320 190 EMC CORP COM 268648102 366 5,500 SH DEFINED 2 5,000 500 EMC CORP COM 268648102 439 6,607 SH SOLE 1 6,607 EMC CORP COM 268648102 729 10,960 SH SOLE 2 10,960 EASTMAN KODAK CO. COM 277461109 198 5,020 SH DEFINED 1 4,000 300 720 EASTMAN KODAK CO. COM 277461109 119 3,027 SH SOLE 1 2,371 656 EATON VANCE MARATHO COM 27826L843 101 10,195 SH SOLE 1 10,195 EDISON INTERNATIONA COM 281020107 215 13,785 SH SOLE 2 13,785 EL PASO ENERGY CORP COM 283905107 355 4,960 SH SOLE 4,960 ELECTRONIC DATA SYS COM 285661104 23 400 SH DEFINED 2 400 ELECTRONIC DATA SYS COM 285661104 12 200 SH DEFINED 200 ELECTRONIC DATA SYS COM 285661104 4,757 82,365 SH SOLE 1 79,073 3,292 ELECTRONIC DATA SYS COM 285661104 380 6,586 SH SOLE 2 6,586 ELECTRONIC DATA SYS COM 285661104 358 6,201 SH SOLE 6,201 EMERSON ELECTRIC CO COM 291011104 249 3,160 SH DEFINED 1 3,000 160 EMERSON ELECTRIC CO COM 291011104 35 450 SH DEFINED 2 450 EMERSON ELECTRIC CO COM 291011104 4,977 63,152 SH SOLE 1 62,892 260 EMERSON ELECTRIC CO COM 291011104 283 3,594 SH SOLE 2 3,594 ENERGEN CORPORATION COM 29265N108 644 20,000 SH DEFINED 20,000 ENRON CORPORATION COM 293561106 4,254 51,179 SH SOLE 50,379 800 EQUIFAX, INCORPORAT COM 294429105 294 10,239 SH DEFINED 1 6,239 4,000 EQUIFAX, INCORPORAT COM 294429105 52 1,800 SH SOLE 1 1,600 200 EVERGREEN GEORGIA M COM 300237625 181 18,363 SH SOLE 1 18,363 EXXON MOBIL CORPORA COM 30231G102 3,403 39,141 SH DEFINED 1 3,435 30,714 4,992 EXXON MOBIL CORPORA COM 30231G102 531 6,112 SH DEFINED 2 5,056 1,056 EXXON MOBIL CORPORA COM 30231G102 68 777 SH DEFINED 777 EXXON MOBIL CORPORA COM 30231G102 148 1,698 SH DEFINED 1,698 EXXON MOBIL CORPORA COM 30231G102 13,157 151,341 SH SOLE 1 149,410 1,931 EXXON MOBIL CORPORA COM 30231G102 5,015 57,688 SH SOLE 2 57,688 EXXON MOBIL CORPORA COM 30231G102 7,228 83,136 SH SOLE 82,736 400 EXXON MOBIL CORPORA COM 30231G102 190 2,184 SH SOLE 2,184 FPL GROUP, INC. COM 302571104 226 3,150 SH SOLE 3,150 FANNIE MAE COM 313586109 295 3,403 SH DEFINED 1 420 2,800 183 FANNIE MAE COM 313586109 447 5,150 SH DEFINED 2 4,300 850 FANNIE MAE COM 313586109 12 141 SH DEFINED 141 FANNIE MAE COM 313586109 7,453 85,918 SH SOLE 1 85,618 300 FANNIE MAE COM 313586109 208 2,400 SH SOLE 2 2,400 FANNIE MAE COM 313586109 621 7,160 SH SOLE 7,160 FEDERATED HIGH YIEL COM 314197104 95 14,176 SH DEFINED 1 12,326 1,849 FEDERATED HIGH YIEL COM 314197104 1,917 286,476 SH SOLE 1 273,270 13,205 FEDERATED INCOME TR COM 314199100 136 13,291 SH SOLE 13,291 FEDERATED SHORT TER COM 31420C209 309 35,587 SH SOLE 1 35,587 FEDERATED FUND #09 COM 31428M100 172 16,442 SH DEFINED 1 882 15,559 FEDERATED FUND #09 COM 31428M100 153 14,693 SH SOLE 1 14,693 FEDERATED FUND #47 COM 31428P103 334 30,990 SH SOLE 1 30,990 FIDELITY INSTITUTIO COM 315809400 12 1,308 SH DEFINED 1 1,308 FIDELITY INSTITUTIO COM 315809400 338 36,532 SH SOLE 1 36,532 FIDELITY U.S. BOND COM 315911107 146 13,803 SH DEFINED 1 13,803 FIDELITY GOVERNMENT COM 316172105 156 15,824 SH SOLE 15,824 FIDELITY INCOME FUN COM 31617K204 117 10,894 SH DEFINED 1 10,894 FIDELITY INTERMEDIA COM 31617K303 150 15,561 SH DEFINED 1 11,442 4,119 FIRST AUSTRALIA PRI COM 318653102 57 14,222 SH SOLE 2 14,222 FIRST FINANCIAL HOL COM 320239106 262 13,326 SH DEFINED 13,326 FIRST TENNESSEE NAT COM 337162101 571 19,744 SH DEFINED 1 19,744 FIRST UNION CORPORA COM 337358105 718 25,808 SH DEFINED 1 5,000 20,808 FIRST UNION CORPORA COM 337358105 334 12,000 SH DEFINED 2 12,000 FIRST UNION CORPORA COM 337358105 663 23,837 SH SOLE 1 23,837 FLEETBOSTON FINANCI COM 339030108 65 1,730 SH DEFINED 1 900 830 FLEETBOSTON FINANCI COM 339030108 3,688 98,180 SH SOLE 1 98,080 100 FLOWERS INDUSTRIES, COM 343496105 963 61,134 SH SOLE 1 61,134 FORD MOTOR COMPANY COM 345370860 78 3,330 SH DEFINED 1 3,330 FORD MOTOR COMPANY COM 345370860 2 100 SH DEFINED 100 FORD MOTOR COMPANY COM 345370860 3,209 136,934 SH SOLE 1 135,833 1,101 FORD MOTOR COMPANY COM 345370860 260 11,092 SH SOLE 11,092 FRANKLIN TAX FREE T COM 354723702 148 14,095 SH DEFINED 14,095 FRANKLIN TAX FREE T COM 354723702 159 15,159 SH SOLE 1 15,159 GPU INCORPORATED COM 36225X100 33 900 SH DEFINED 2 900 GPU INCORPORATED COM 36225X100 258 7,000 SH SOLE 1 7,000 GPU INCORPORATED COM 36225X100 195 5,300 SH SOLE 2 5,300 GENERAL DYNAMICS CO COM 369550108 124 1,590 SH DEFINED 1 1,590 GENERAL DYNAMICS CO COM 369550108 151 1,940 SH SOLE 1 540 1,400 GENERAL ELECTRIC CO COM 369604103 7,997 166,829 SH DEFINED 1 23,055 106,548 37,226 GENERAL ELECTRIC CO COM 369604103 1,544 32,200 SH DEFINED 2 27,000 5,200 GENERAL ELECTRIC CO COM 369604103 153 3,196 SH DEFINED 2,400 796 GENERAL ELECTRIC CO COM 369604103 15 303 SH DEFINED 303 GENERAL ELECTRIC CO COM 369604103 17,991 375,288 SH SOLE 1 353,621 21,667 GENERAL ELECTRIC CO COM 369604103 7,878 164,343 SH SOLE 2 164,343 GENERAL ELECTRIC CO COM 369604103 5,828 121,578 SH SOLE 119,178 2,400 GENERAL ELECTRIC CO COM 369604103 199 4,148 SH SOLE 4,148 GENERAL MILLS, INC. COM 370334104 1,071 24,038 SH DEFINED 1 24,038 GENERAL MILLS, INC. COM 370334104 7,793 174,875 SH SOLE 1 174,875 GENERAL MOTORS CORP COM 370442105 81 1,588 SH DEFINED 1 190 800 598 GENERAL MOTORS CORP COM 370442105 166 3,265 SH SOLE 1 3,265 GENERAL MOTORS CORP COM 370442105 204 4,002 SH SOLE 4,002 GENUINE PARTS COMPA COM 372460105 115 4,386 SH DEFINED 1 1,686 2,700 GENUINE PARTS COMPA COM 372460105 1,158 44,234 SH SOLE 1 44,234 GEORGIA PACIFIC TIM COM 373298702 21 702 SH DEFINED 702 GEORGIA PACIFIC TIM COM 373298702 224 7,482 SH SOLE 7,412 70 GILLETTE CO COM 375766102 615 17,025 SH DEFINED 1 5,000 8,825 3,200 GILLETTE CO COM 375766102 123 3,400 SH DEFINED 2 3,200 200 GILLETTE CO COM 375766102 156 4,307 SH SOLE 1 2,764 1,543 GILLETTE CO COM 375766102 121 3,340 SH SOLE 2 3,340 THE GOVERNMENT SECU COM 383743580 98 278,592 SH SOLE 278,592 HCA-THE HEALTHCARE COM 404119109 1,394 31,685 SH SOLE 1 31,685 HALLIBURTON COMPANY COM 406216101 246 6,776 SH SOLE 1 6,776 H J HEINZ COMPANY COM 423074103 318 6,700 SH DEFINED 1 3,000 3,700 H J HEINZ COMPANY COM 423074103 9 200 SH DEFINED 2 200 H J HEINZ COMPANY COM 423074103 23 475 SH SOLE 1 475 H J HEINZ COMPANY COM 423074103 351 7,400 SH SOLE 2 7,400 HERSHEY FOODS CORP COM 427866108 206 3,200 SH SOLE 3,200 HEWLETT PACKARD CO COM 428236103 77 2,438 SH DEFINED 1 194 1,864 380 HEWLETT PACKARD CO COM 428236103 60 1,900 SH DEFINED 2 1,800 100 HEWLETT PACKARD CO COM 428236103 13 424 SH DEFINED 424 HEWLETT PACKARD CO COM 428236103 3,756 118,996 SH SOLE 1 117,936 1,060 HEWLETT PACKARD CO COM 428236103 413 13,100 SH SOLE 2 13,100 HEWLETT PACKARD CO COM 428236103 824 26,112 SH SOLE 26,112 HOME DEPOT INCORPOR COM 437076102 372 8,151 SH DEFINED 1 2,370 4,050 1,731 HOME DEPOT INCORPOR COM 437076102 534 11,690 SH DEFINED 2 11,150 540 HOME DEPOT INCORPOR COM 437076102 46 1,011 SH DEFINED 1,011 HOME DEPOT INCORPOR COM 437076102 6,440 140,965 SH SOLE 1 137,865 3,100 HOME DEPOT INCORPOR COM 437076102 496 10,851 SH SOLE 2 10,851 HOME DEPOT INCORPOR COM 437076102 1,247 27,296 SH SOLE 27,296 HONEYWELL INTERNATI COM 438516106 33 692 SH DEFINED 1 552 140 HONEYWELL INTERNATI COM 438516106 3,419 72,269 SH SOLE 1 71,099 1,170 HOUSEHOLD INTERNATI COM 441815107 83 1,500 SH DEFINED 1 1,500 HOUSEHOLD INTERNATI COM 441815107 130 2,364 SH SOLE 1 2,364 ILLINOIS TOOL WORKS COM 452308109 328 5,500 SH DEFINED 2 5,200 300 ILLINOIS TOOL WORKS COM 452308109 16 265 SH DEFINED 265 ILLINOIS TOOL WORKS COM 452308109 2,351 39,465 SH SOLE 1 39,175 290 ILLINOIS TOOL WORKS COM 452308109 158 2,650 SH SOLE 2 2,650 ILLINOIS TOOL WORKS COM 452308109 405 6,797 SH SOLE 6,797 IMPERIAL SUGAR CO. COM 453096109 8 10,000 SH DEFINED 1 10,000 INTEL CORPORATION COM 458140100 661 21,976 SH DEFINED 1 1,184 19,516 1,276 INTEL CORPORATION COM 458140100 667 22,200 SH DEFINED 2 21,400 800 INTEL CORPORATION COM 458140100 72 2,400 SH DEFINED 2,400 INTEL CORPORATION COM 458140100 6,423 213,648 SH SOLE 1 200,362 13,286 INTEL CORPORATION COM 458140100 1,761 58,576 SH SOLE 2 58,576 INTEL CORPORATION COM 458140100 1,133 37,695 SH SOLE 37,695 INTERNATIONAL BUSIN COM 459200101 495 5,823 SH DEFINED 1 1,200 695 3,928 INTERNATIONAL BUSIN COM 459200101 399 4,693 SH DEFINED 2 4,693 INTERNATIONAL BUSIN COM 459200101 4 49 SH DEFINED 49 INTERNATIONAL BUSIN COM 459200101 26 310 SH DEFINED 310 INTERNATIONAL BUSIN COM 459200101 5,198 61,152 SH SOLE 1 58,796 2,356 INTERNATIONAL BUSIN COM 459200101 312 3,674 SH SOLE 2 3,674 INTERNATIONAL BUSIN COM 459200101 414 4,874 SH SOLE 3,982 892 INTERNATIONAL BUSIN COM 459200101 205 2,416 SH SOLE 1,983 433 INTERNATIONAL PAPER COM 460146103 344 8,426 SH DEFINED 1 7,426 1,000 INTERNATIONAL PAPER COM 460146103 58 1,420 SH SOLE 1 1,420 INTUIT INC COM 461202103 710 18,000 SH DEFINED 1 18,000 JANUS FLEXIBLE INCO COM 471023606 109 11,966 SH DEFINED 1 6,084 5,881 JEFFERSON-PILOT COR COM 475070108 399 5,334 SH SOLE 5,334 JOHNSON & JOHNSON COM 478160104 4,464 42,489 SH DEFINED 1 41,707 782 JOHNSON & JOHNSON COM 478160104 21 200 SH DEFINED 2 200 JOHNSON & JOHNSON COM 478160104 25 240 SH DEFINED 240 JOHNSON & JOHNSON COM 478160104 9,539 90,794 SH SOLE 1 90,794 JOHNSON & JOHNSON COM 478160104 318 3,025 SH SOLE 2 3,025 JOHNSON & JOHNSON COM 478160104 1,145 10,900 SH SOLE 10,900 KELLOGG COMPANY COM 487836108 781 29,752 SH SOLE 1 29,752 KEMPER INSURED CORP COM 487903239 18 74,975 SH SOLE 1 74,975 KEMPER INSURED CORP COM 487903312 14 20,262 SH SOLE 1 20,262 KIMBERLY CLARK CORP COM 494368103 87 1,230 SH DEFINED 1 1,230 KIMBERLY CLARK CORP COM 494368103 87 1,224 SH DEFINED 2 200 400 624 KIMBERLY CLARK CORP COM 494368103 5,318 75,236 SH SOLE 1 74,636 600 KIMBERLY CLARK CORP COM 494368103 346 4,900 SH SOLE 2 4,900 LEHMAN BROTHERS HOL COM 524908100 62 920 SH DEFINED 1 920 LEHMAN BROTHERS HOL COM 524908100 372 5,500 SH SOLE 1 5,500 LIBERTY-STEIN ROE I COM 53127P101 133 14,172 SH DEFINED 1 14,172 LILLY, ELI & CO COM 532457108 777 8,350 SH SOLE 8,350 LOWES COMPANIES INC COM 548661107 236 5,300 SH DEFINED 1 5,300 LOWES COMPANIES INC COM 548661107 3,492 78,465 SH SOLE 1 77,270 1,195 LOWES COMPANIES INC COM 548661107 218 4,900 SH SOLE 4,900 LUCENT TECHNOLOGIES COM 549463107 201 14,882 SH DEFINED 1 10,000 3,262 1,620 LUCENT TECHNOLOGIES COM 549463107 154 11,416 SH DEFINED 2 10,500 356 560 LUCENT TECHNOLOGIES COM 549463107 21 1,555 SH DEFINED 1,164 391 LUCENT TECHNOLOGIES COM 549463107 505 37,407 SH SOLE 1 36,907 500 LUCENT TECHNOLOGIES COM 549463107 180 13,313 SH SOLE 2 13,313 LUCENT TECHNOLOGIES COM 549463107 239 17,701 SH SOLE 17,701 MFS GEORGIA MUNICIP COM 55273N756 274 25,427 SH SOLE 1 25,427 MFS MUN SER TR COM 55273N863 211 17,513 SH SOLE 17,513 MFS MUNICIPAL HIGH COM 552984304 130 15,909 SH SOLE 1 15,909 MANULIFE FINANCIAL COM 56501R106 4,926 157,001 SH SOLE 1 157,001 MARSH & MCLENNAN CO COM 571748102 350 2,995 SH SOLE 1 2,995 MARRIOTT INTERNATIO COM 571903202 35 825 SH DEFINED 2 400 425 MARRIOTT INTERNATIO COM 571903202 3,928 92,975 SH SOLE 1 92,975 MARRIOTT INTERNATIO COM 571903202 287 6,800 SH SOLE 2 6,800 MCDONALDS CORP COM 580135101 272 8,000 SH DEFINED 1 8,000 MCDONALDS CORP COM 580135101 7 200 SH DEFINED 2 200 MCDONALDS CORP COM 580135101 279 8,215 SH SOLE 1 7,215 1,000 MCDONALDS CORP COM 580135101 242 7,112 SH SOLE 2 7,112 MCGRAW HILL COMPANI COM 580645109 926 15,802 SH SOLE 1 14,180 1,622 MEDTRONIC INC COM 585055106 53 885 SH DEFINED 1 560 325 MEDTRONIC INC COM 585055106 314 5,200 SH DEFINED 2 5,200 MEDTRONIC INC COM 585055106 40 664 SH DEFINED 664 MEDTRONIC INC COM 585055106 6,793 112,520 SH SOLE 1 111,050 1,470 MEDTRONIC INC COM 585055106 532 8,806 SH SOLE 2 8,806 MEDTRONIC INC COM 585055106 699 11,585 SH SOLE 11,585 MERCHANTS BANCSHARE COM 588448100 243 10,000 SH DEFINED 2 10,000 MERCK & CO., INC COM 589331107 3,920 41,868 SH DEFINED 1 9,880 12,044 19,944 MERCK & CO., INC COM 589331107 632 6,750 SH DEFINED 2 5,600 1,150 MERCK & CO., INC COM 589331107 9 100 SH DEFINED 100 MERCK & CO., INC COM 589331107 12,666 135,280 SH SOLE 1 132,223 3,057 MERCK & CO., INC COM 589331107 3,945 42,131 SH SOLE 2 42,131 MERCK & CO., INC COM 589331107 2,434 25,995 SH SOLE 25,995 MERRILL LYNCH AND C COM 590188108 33 480 SH DEFINED 480 MERRILL LYNCH AND C COM 590188108 322 4,724 SH SOLE 4,724 MICROSOFT CORPORATI COM 594918104 269 6,198 SH DEFINED 1 4,293 220 1,685 MICROSOFT CORPORATI COM 594918104 33 750 SH DEFINED 2 750 MICROSOFT CORPORATI COM 594918104 27 615 SH DEFINED 615 MICROSOFT CORPORATI COM 594918104 3,472 80,048 SH SOLE 1 74,973 5,075 MICROSOFT CORPORATI COM 594918104 668 15,402 SH SOLE 2 15,402 MICROSOFT CORPORATI COM 594918104 980 22,600 SH SOLE 22,600 MINNESOTA MINING & COM 604059105 337 2,800 SH DEFINED 1 2,000 800 MINNESOTA MINING & COM 604059105 1,022 8,478 SH SOLE 1 8,478 MINNESOTA MINING & COM 604059105 418 3,470 SH SOLE 3,470 MOODYS CORP COM 615369105 262 10,200 SH SOLE 10,200 J. P. MORGAN & CO., COM 616880100 248 1,500 SH DEFINED 1 1,500 J. P. MORGAN & CO., COM 616880100 397 2,400 SH SOLE 1 2,400 MORGAN STANLEY DEAN COM 617446448 266 3,353 SH SOLE 1 3,303 50 MORGAN STANLEY DEAN COM 617446448 1,037 13,091 SH SOLE 13,091 MOTOROLA, INC COM 620076109 11 519 SH DEFINED 1 354 165 MOTOROLA, INC COM 620076109 205 10,100 SH DEFINED 2 10,100 MOTOROLA, INC COM 620076109 15 725 SH DEFINED 725 MOTOROLA, INC COM 620076109 4,033 199,157 SH SOLE 1 197,907 1,250 MOTOROLA, INC COM 620076109 161 7,972 SH SOLE 2 7,972 MOTOROLA, INC COM 620076109 243 11,980 SH SOLE 11,980 PREFERRED LAND CORP COM 629994104 0 15,000 SH SOLE 1 15,000 NASDAQ 100 TRUST UN COM 631100104 347 5,940 SH DEFINED 1 5,940 NASDAQ 100 TRUST UN COM 631100104 1 20 SH SOLE 1 20 NATIONS FD TR COM 638579250 100 10,359 SH SOLE 1 10,359 NOKIA CORP-SPONSORE COM 654902204 27 610 SH DEFINED 1 610 NOKIA CORP-SPONSORE COM 654902204 349 8,015 SH SOLE 1 8,015 NORFOLK SOUTHERN CO COM 655844108 96 7,200 SH DEFINED 1 4,200 3,000 NORFOLK SOUTHERN CO COM 655844108 164 12,350 SH SOLE 1 12,350 NORFOLK SOUTHERN CO COM 655844108 511 38,367 SH SOLE 38,367 NORTEL NETWORKS COR COM 656568102 110 3,436 SH DEFINED 1 770 1,365 1,301 NORTEL NETWORKS COR COM 656568102 196 6,100 SH DEFINED 2 6,000 100 NORTEL NETWORKS COR COM 656568102 1,119 34,909 SH SOLE 1 34,909 NORTEL NETWORKS COR COM 656568102 147 4,600 SH SOLE 2 4,600 NUVEEN PERFORMANCE COM 67062P108 257 19,496 SH SOLE 1 19,496 NUVEEN FLAGSHIP MUL COM 67065P600 151 14,055 SH SOLE 1 14,055 ORACLE CORPORATION COM 68389X105 1,134 39,023 SH DEFINED 1 25,465 10,672 2,886 ORACLE CORPORATION COM 68389X105 244 8,400 SH DEFINED 2 7,600 800 ORACLE CORPORATION COM 68389X105 12,233 420,913 SH SOLE 1 410,128 10,785 ORACLE CORPORATION COM 68389X105 860 29,580 SH SOLE 2 29,580 ORACLE CORPORATION COM 68389X105 886 30,493 SH SOLE 30,493 PAB BANKSHARES, INC COM 69313P101 987 105,292 SH SOLE 1 105,142 150 PIMCO FUNDS LOW DUR COM 693390304 1,046 105,695 SH SOLE 1 105,695 PIMCO FUNDS LOW DUR COM 693390304 130 13,171 SH SOLE 13,171 PIMCO FUNDS PACIFIC COM 693390551 287 28,384 SH SOLE 28,384 PPG INDUSTRIES, INC COM 693506107 185 4,000 SH DEFINED 1 4,000 PPG INDUSTRIES, INC COM 693506107 296 6,400 SH SOLE 1 6,400 PEPSICO, INC. COM 713448108 327 6,600 SH DEFINED 1 6,000 600 PEPSICO, INC. COM 713448108 21 420 SH DEFINED 420 PEPSICO, INC. COM 713448108 164 3,306 SH SOLE 1 3,306 PEPSICO, INC. COM 713448108 984 19,850 SH SOLE 19,850 PFIZER INC COM 717081103 1,162 25,262 SH DEFINED 1 14,007 7,841 3,414 PFIZER INC COM 717081103 37 800 SH DEFINED 2 800 PFIZER INC COM 717081103 47 1,011 SH DEFINED 1,011 PFIZER INC COM 717081103 5,450 118,473 SH SOLE 1 113,501 4,972 PFIZER INC COM 717081103 2,501 54,380 SH SOLE 2 54,380 PFIZER INC COM 717081103 4,303 93,547 SH SOLE 92,947 600 PHARMACIA CORPORATI COM 71713U102 206 3,381 SH SOLE 1 2,761 620 PHARMACIA CORPORATI COM 71713U102 549 9,000 SH SOLE 9,000 PHILIP MORRIS COMPA COM 718154107 224 5,100 SH DEFINED 1 300 4,800 PHILIP MORRIS COMPA COM 718154107 31 700 SH DEFINED 2 400 300 PHILIP MORRIS COMPA COM 718154107 828 18,820 SH SOLE 1 18,820 PHILIP MORRIS COMPA COM 718154107 1,296 29,450 SH SOLE 2 29,450 PREPAID LEGAL SERVI COM 740065107 621 24,369 SH SOLE 1 24,369 T. ROWE PRICE ASSOC COM 741477103 295 6,774 SH SOLE 6,774 PROCTOR & GAMBLE COM 742718109 39 500 SH DEFINED 1 500 PROCTOR & GAMBLE COM 742718109 16 200 SH DEFINED 2 200 PROCTOR & GAMBLE COM 742718109 28 360 SH DEFINED 360 PROCTOR & GAMBLE COM 742718109 3,815 48,640 SH SOLE 1 48,165 475 PROCTOR & GAMBLE COM 742718109 1,294 16,499 SH SOLE 2 16,499 PROCTOR & GAMBLE COM 742718109 472 6,021 SH SOLE 6,021 PROGRESS ENERGY INC COM 743263105 69 1,399 SH DEFINED 1 1,399 PROGRESS ENERGY INC COM 743263105 271 5,499 SH SOLE 1 5,499 PROVIDIAN FINANCIAL COM 74406A102 50 866 SH DEFINED 1 866 PROVIDIAN FINANCIAL COM 74406A102 220 3,818 SH SOLE 1 3,818 PROVIDIAN FINANCIAL COM 74406A102 604 10,502 SH SOLE 10,502 QUALCOMM CORP COM 747525103 5 60 SH DEFINED 1 60 QUALCOMM CORP COM 747525103 210 2,550 SH SOLE 1 2,150 400 QWEST COMMUNICATION COM 749121109 327 7,991 SH DEFINED 1 6,262 1,729 QWEST COMMUNICATION COM 749121109 238 5,826 SH SOLE 1 4,826 1,000 REGIONS FINANCIAL C COM 758940100 420 15,362 SH SOLE 1 15,362 RELIANT ENERGY INC. COM 75952J108 2,529 58,395 SH SOLE 1 58,395 T ROWE PRICE SPECTR COM 779906106 158 14,644 SH DEFINED 1 14,644 T ROWE PRICE SPECTR COM 779906106 103 9,607 SH SOLE 1 9,607 ROYAL DUTCH PETROLE COM 780257804 315 5,200 SH DEFINED 1 5,200 ROYAL DUTCH PETROLE COM 780257804 277 4,575 SH SOLE 1 4,575 SBC COMMUNICATIONS, COM 78387G103 1,205 25,238 SH DEFINED 1 12,458 9,427 3,353 SBC COMMUNICATIONS, COM 78387G103 81 1,700 SH DEFINED 2 300 1,400 SBC COMMUNICATIONS, COM 78387G103 40 835 SH DEFINED 835 SBC COMMUNICATIONS, COM 78387G103 6,745 141,247 SH SOLE 1 136,824 4,423 SBC COMMUNICATIONS, COM 78387G103 600 12,556 SH SOLE 2 12,556 SBC COMMUNICATIONS, COM 78387G103 1,086 22,742 SH SOLE 22,742 STRATEGIC TECHNOLOG COM 786991109 0 38,000 SH SOLE 1 38,000 ST PAUL COMPANIES, COM 792860108 396 7,292 SH SOLE 1 7,292 SARA LEE CORPORATIO COM 803111103 319 13,000 SH DEFINED 1 8,000 5,000 SARA LEE CORPORATIO COM 803111103 3,286 133,781 SH SOLE 1 133,031 750 SARA LEE CORPORATIO COM 803111103 271 11,030 SH SOLE 11,030 SCHERING PLOUGH COR COM 806605101 2,134 37,600 SH DEFINED 1 1,000 36,600 SCHERING PLOUGH COR COM 806605101 2,854 50,288 SH SOLE 1 50,288 SCHERING PLOUGH COR COM 806605101 1,207 21,266 SH SOLE 2 21,266 SCHERING PLOUGH COR COM 806605101 1,975 34,800 SH SOLE 34,800 SCHLUMBERGER LTD COM 806857108 29 365 SH DEFINED 1 365 SCHLUMBERGER LTD COM 806857108 48 600 SH DEFINED 2 200 400 SCHLUMBERGER LTD COM 806857108 10 125 SH DEFINED 125 SCHLUMBERGER LTD COM 806857108 3,766 47,110 SH SOLE 1 47,060 50 SCHLUMBERGER LTD COM 806857108 709 8,867 SH SOLE 2 8,867 SCHLUMBERGER LTD COM 806857108 556 6,960 SH SOLE 6,960 SCHOLASTIC CORPORAT COM 807066105 359 4,051 SH SOLE 1 4,051 SEAGRAM LIMITED COM 811850106 283 5,600 SH SOLE 2 5,600 SERVICEMASTER CO COM 81760N109 567 49,333 SH DEFINED 1 49,333 SMITHKLINE BEECHAM COM 832378301 236 3,800 SH DEFINED 2 3,800 SMITHKLINE BEECHAM COM 832378301 261 4,200 SH SOLE 2 4,200 SONOCO PRODUCTS COM COM 835495102 242 11,180 SH DEFINED 11,180 SOUTHERN COMPANY COM 842587107 601 18,090 SH DEFINED 1 8,100 9,990 SOUTHERN COMPANY COM 842587107 4,088 122,957 SH SOLE 1 122,957 SOUTHERN COMPANY COM 842587107 311 9,362 SH SOLE 2 9,362 SOUTHERN COMPANY COM 842587107 213 6,400 SH SOLE 4,400 2,000 SOUTHTRUST CORPORAT COM 844730101 274 6,723 SH DEFINED 1 6,723 SOUTHTRUST CORPORAT COM 844730101 407 10,000 SH DEFINED 2 10,000 SOUTHTRUST CORPORAT COM 844730101 291 7,158 SH SOLE 1 7,158 SOUTHTRUST CORPORAT COM 844730101 163 4,000 SH SOLE 2 4,000 SPRINT, CORP COM 852061100 163 8,000 SH DEFINED 1 8,000 SPRINT, CORP COM 852061100 1,598 78,659 SH SOLE 1 74,559 4,100 SPRINT CORPORATION COM 852061506 82 4,000 SH DEFINED 1 4,000 SPRINT CORPORATION COM 852061506 197 9,618 SH SOLE 1 8,298 1,320 STATE STREET CORPOR COM 857477103 6 47 SH DEFINED 47 STATE STREET CORPOR COM 857477103 271 2,180 SH SOLE 1 2,180 STATE STREET CORPOR COM 857477103 273 2,200 SH SOLE 2,200 STEELCASE INC. CLAS COM 858155401 219 12,857 SH SOLE 12,857 SUMMIT BANK CORPORA COM 866013105 248 15,000 SH SOLE 1 15,000 SUN MICROSYSTEMS, I COM 866810104 53 1,908 SH DEFINED 1 1,312 596 SUN MICROSYSTEMS, I COM 866810104 201 7,200 SH DEFINED 2 6,300 100 800 SUN MICROSYSTEMS, I COM 866810104 112 4,000 SH DEFINED 4,000 SUN MICROSYSTEMS, I COM 866810104 2,307 82,757 SH SOLE 1 82,632 125 SUN MICROSYSTEMS, I COM 866810104 241 8,634 SH SOLE 2 8,634 SUN MICROSYSTEMS, I COM 866810104 2,194 78,691 SH SOLE 78,691 SUNTRUST BANKS INC COM 867914103 441 6,996 SH DEFINED 1 1,000 5,996 SUNTRUST BANKS INC COM 867914103 248 3,932 SH DEFINED 2 3,500 432 SUNTRUST BANKS INC COM 867914103 14,910 236,661 SH SOLE 1 236,661 SUNTRUST BANKS INC COM 867914103 277 4,400 SH SOLE 2 4,400 SYNOVUS FINANCIAL C COM 87161C105 384,477 14,272,920 SH DEFINED 1 22,293 776,111 13,474,516 SYNOVUS FINANCIAL C COM 87161C105 694 25,771 SH DEFINED 2 25,771 SYNOVUS FINANCIAL C COM 87161C105 15,329 569,057 SH DEFINED 12,487 499,258 57,312 SYNOVUS FINANCIAL C COM 87161C105 560,294 20,799,785 SH SOLE 1 19,942,777 37,150 819,858 SYNOVUS FINANCIAL C COM 87161C105 19,657 729,741 SH SOLE 2 521,986 207,755 SYNOVUS FINANCIAL C COM 87161C105 7,650 283,976 SH SOLE 283,976 SYNOVUS FINANCIAL C COM 87161C105 1,643 60,988 SH SOLE 60,988 SYSCO CORP COM 871829107 320 10,650 SH SOLE 1 10,650 TECO ENERGY INC. COM 872375100 236 7,300 SH DEFINED 2 7,300 TECO ENERGY INC. COM 872375100 795 24,570 SH SOLE 2 24,570 TARGET CORP COM 87612E106 310 9,600 SH DEFINED 2 9,600 TARGET CORP COM 87612E106 14 425 SH DEFINED 425 TARGET CORP COM 87612E106 4,787 148,422 SH SOLE 1 146,502 1,920 TARGET CORP COM 87612E106 255 7,898 SH SOLE 2 7,898 TARGET CORP COM 87612E106 508 15,750 SH SOLE 15,750 TELLABS, INC. DELEW COM 879664100 14 250 SH DEFINED 250 TELLABS, INC. DELEW COM 879664100 3,044 53,870 SH SOLE 1 53,795 75 TELLABS, INC. DELEW COM 879664100 387 6,850 SH SOLE 6,850 TEXACO INC COM 881694103 87 1,400 SH DEFINED 1 200 1,200 TEXACO INC COM 881694103 57 925 SH DEFINED 600 325 TEXACO INC COM 881694103 367 5,909 SH SOLE 1 5,859 50 TEXACO INC COM 881694103 385 6,200 SH SOLE 6,200 TEXAS INSTRUMENTS I COM 882508104 56 1,191 SH DEFINED 1 1,191 TEXAS INSTRUMENTS I COM 882508104 336 7,100 SH DEFINED 2 6,800 300 TEXAS INSTRUMENTS I COM 882508104 6,723 141,915 SH SOLE 1 140,315 1,600 TEXAS INSTRUMENTS I COM 882508104 339 7,150 SH SOLE 2 7,150 TEXAS INSTRUMENTS I COM 882508104 528 11,150 SH SOLE 11,150 TIME WARNER INC COM 887315109 209 4,000 SH DEFINED 1 3,000 1,000 TIME WARNER INC COM 887315109 36 680 SH SOLE 1 680 TIME WARNER INC COM 887315109 251 4,800 SH SOLE 4,800 TOTAL SYSTEM SERVIC COM 891906109 6,165 275,535 SH DEFINED 1 268,665 6,870 TOTAL SYSTEM SERVIC COM 891906109 28,412 1,269,825 SH SOLE 1 1,230,274 39,551 TYCO INTERNATIONAL COM 902124106 2,503 45,105 SH SOLE 1 45,105 TYCO INTERNATIONAL COM 902124106 316 5,694 SH SOLE 2 5,694 UNITED STATES BANCO COM 902973106 724 24,801 SH SOLE 1 24,801 USAA TAX-EXEMPT FUN COM 903289106 151 11,346 SH SOLE 2 11,346 UNION PLANTERS CORP COM 908068109 14 400 SH DEFINED 1 400 UNION PLANTERS CORP COM 908068109 220 6,150 SH SOLE 1 6,150 UNITED TECHNOLOGIES COM 913017109 20 250 SH DEFINED 1 100 150 UNITED TECHNOLOGIES COM 913017109 2,672 33,983 SH SOLE 1 33,983 UNITED TECHNOLOGIES COM 913017109 330 4,200 SH SOLE 4,200 UNITEDHEALTH GROUP COM 91324P102 4,585 74,700 SH SOLE 1 73,580 1,120 VAN KAMPEN MERRIT V COM 921132106 126 10,000 SH DEFINED 10,000 VANGUARD ADMIRAL FU COM 921932208 242 23,862 SH DEFINED 1 23,862 VANGUARD BOND INDEX COM 921937108 190 19,086 SH DEFINED 1 19,086 VANGUARD FIXED SECU COM 922031307 246 24,003 SH DEFINED 1 21,054 2,949 VANGUARD FIXED SECU COM 922031307 864 84,359 SH DEFINED 2 84,359 VANGUARD FIXED SECU COM 922031307 408 39,832 SH SOLE 1 39,832 VANGUARD FIXED SECU COM 922031307 3,323 324,491 SH SOLE 2 319,228 5,263 VANGUARD FIXED SECU COM 922031307 106 10,341 SH SOLE 10,341 VANGUARD FIXED INCO COM 922031406 196 18,438 SH DEFINED 1 18,438 VANGUARD MUNICIPAL COM 922907209 55 4,109 SH DEFINED 1 4,109 VANGUARD MUNICIPAL COM 922907209 51 3,819 SH DEFINED 3,819 VANGUARD MUNICIPAL COM 922907209 1,573 118,501 SH SOLE 1 113,397 5,103 VANGUARD MUNICIPAL COM 922907209 1,936 145,900 SH SOLE 145,900 VANGUARD MUNICIPAL COM 922907209 122 9,217 SH SOLE 9,217 VERIZON COMMUNICATI COM 92343V104 1,138 22,705 SH DEFINED 1 11,059 10,308 1,338 VERIZON COMMUNICATI COM 92343V104 388 7,732 SH DEFINED 2 6,400 1,332 VERIZON COMMUNICATI COM 92343V104 117 2,332 SH DEFINED 2,332 VERIZON COMMUNICATI COM 92343V104 9,885 197,208 SH SOLE 1 196,536 672 VERIZON COMMUNICATI COM 92343V104 1,190 23,742 SH SOLE 2 23,742 VERIZON COMMUNICATI COM 92343V104 375 7,472 SH SOLE 7,472 VIACOM INC NON-VOTI COM 925524308 406 8,680 SH DEFINED 1 8,680 VIACOM INC NON-VOTI COM 925524308 66 1,408 SH SOLE 1 1,408 VLASSIC FOODS INTER COM 928559103 3 10,000 SH DEFINED 1 10,000 VODAFONE GROUP PLC COM 92857W100 92 2,560 SH DEFINED 1 2,560 VODAFONE GROUP PLC COM 92857W100 604 16,870 SH SOLE 1 16,870 WACHOVIA CORPORATIO COM 929771103 326 5,606 SH DEFINED 1 672 4,934 WACHOVIA CORPORATIO COM 929771103 244 4,200 SH DEFINED 2 4,200 WACHOVIA CORPORATIO COM 929771103 25 425 SH DEFINED 425 WACHOVIA CORPORATIO COM 929771103 4,938 84,953 SH SOLE 1 84,528 425 WACHOVIA CORPORATIO COM 929771103 49 850 SH SOLE 2 850 WACHOVIA CORPORATIO COM 929771103 200 3,448 SH SOLE 3,448 WACHOVIA MUN FDS COM 929902104 125 11,303 SH SOLE 11,303 WAL-MART STORES, IN COM 931142103 864 16,271 SH DEFINED 1 6,755 8,296 1,220 WAL-MART STORES, IN COM 931142103 319 6,000 SH DEFINED 2 5,200 800 WAL-MART STORES, IN COM 931142103 8 157 SH DEFINED 157 WAL-MART STORES, IN COM 931142103 4,040 76,043 SH SOLE 1 76,043 WAL-MART STORES, IN COM 931142103 2,904 54,662 SH SOLE 2 54,662 WAL-MART STORES, IN COM 931142103 709 13,350 SH SOLE 13,350 WAL-MART STORES, IN COM 931142103 1,828 34,413 SH SOLE 34,413 WALGREEN COMPANY COM 931422109 375 8,960 SH SOLE 2 8,960 WARBURG PINCUS GLOB COM 933907107 123 12,655 SH DEFINED 1 12,655 WELLPOINT HEALTH NE COM 94973H108 2,005 17,400 SH SOLE 1 17,400 WELLS FARGO & COMPA COM 949746101 180 3,240 SH DEFINED 1 3,240 WELLS FARGO & COMPA COM 949746101 144 2,580 SH SOLE 1 2,580 WELLS FARGO & COMPA COM 949746101 267 4,800 SH SOLE 4,800 WESTPOINT STEVENS I COM 961238102 86 11,492 SH SOLE 1 11,492 WEYERHAEUSER CO COM 962166104 116 2,286 SH DEFINED 1 330 325 1,631 WEYERHAEUSER CO COM 962166104 2,013 39,673 SH SOLE 1 39,673 WINN-DIXIE STORES, COM 974280109 620 31,996 SH DEFINED 2 31,996 WINN-DIXIE STORES, COM 974280109 657 33,890 SH SOLE 1 33,890 WINN-DIXIE STORES, COM 974280109 116 5,976 SH SOLE 2 5,976 WORLDCOM INC. GA NE COM 98157D106 6 457 SH DEFINED 1 457 WORLDCOM INC. GA NE COM 98157D106 123 8,750 SH DEFINED 2 8,300 450 WORLDCOM INC. GA NE COM 98157D106 1,246 88,581 SH SOLE 1 87,581 1,000 WORLDCOM INC. GA NE COM 98157D106 130 9,250 SH SOLE 2 9,250 XEROX CORP COM 984121103 2 455 SH DEFINED 1 320 135 XEROX CORP COM 984121103 101 21,747 SH SOLE 1 21,117 630 UBS AG COM H8920G155 4,938 30,221 SH SOLE 1 30,221 MITSUBISHI HEAVY IN COM J44002129 48 11,000 SH SOLE 1 11,000