Washington, D.C. 20549

                                    Form 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

                                  July 18, 2001
                            (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

              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 18, 2001, Synovus Financial Corp. ("Registrant") issued a press
release with respect to its second quarter 2001 earnings.

         A copy of Registrant's press release is attached hereto as Exhibit 99
and by this reference is hereby incorporated by reference into this Form 8-K and
made a part hereof.

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

         (a)      Financial Statements - None.

         (b)      Pro Forma Financial Information - None.

         (c)      Exhibits

                  99 - Registrant's press release, July 18, 2001.


         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.

Dated:   July 18, 2001                     By:/s/ Kathleen Moates
         ---------------                      --------------------------------
                                           Kathleen Moates
                                           Senior Deputy General Counsel