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, 2001

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                    February 5, 2002
[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:            759

Form 13F Information Table Value Total:      2,315,941
                                           (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                               Shares   Sh/Put
Name                      of                    Value        or        Prn   Investment  Other             Voting Authority
of Issuer                 Class    Cusip       (x$1000)      Prn Amt  Call   Discretion  Managers   Sole       Shared         None
                                                                                                
ABBOTT LABS                COM     002824100    3,479        62,400    SH     DEFINED     1           62,400
ABBOTT LABS                COM     002824100    1,371        24,583    SH     DEFINED     2           24,583
ABBOTT LABS                COM     002824100      446         8,000    SH     DEFINED     2                       8,000
ABBOTT LABS                COM     002824100    2,348        42,110    SH     DEFINED     1           41,810                   300
ABBOTT LABS                COM     002824100      567        10,170    SH     DEFINED     1            3,400      6,770
ABBOTT LABS                COM     002824100    1,002        17,967    SH     DEFINED                 17,967
ABBOTT LABS                COM     002824100        3            50    SH     DEFINED                                50
ACCESS ANYTIME BANCORP     COM     00431F105       41         5,160    SH     DEFINED                                        5,160
AFLAC, INCORPORATED        COM     001055102       12           503    SH     DEFINED                                          503
AFLAC, INCORPORATED        COM     001055102    3,853       156,900    SH     DEFINED     1          156,900
AFLAC, INCORPORATED        COM     001055102      510        20,750    SH     DEFINED     2           20,750
AFLAC, INCORPORATED        COM     001055102       20           800    SH     DEFINED     2                         800
AFLAC, INCORPORATED        COM     001055102   23,187       944,088    SH     DEFINED     1          940,798                 3,290
AFLAC, INCORPORATED        COM     001055102    4,709       191,722    SH     DEFINED     1           24,648    167,074
AGERE SYSTEM, INC.         COM     00845V100       57        10,000    SH     DEFINED     1           10,000
AGILENT TECHNOLOGIES, I    COM     00846U101      196         6,872    SH     DEFINED     1            6,872
AGILENT TECHNOLOGIES, I    COM     00846U101       10           343    SH     DEFINED     1              108        235
ALCOA INC                  COM     013817101      564        15,870    SH     DEFINED     1           15,870
ALCOA INC                  COM     013817101      253         7,106    SH     DEFINED     1                       2,306      4,800
ALLIANCE BANCORP OF NEW    COM     01852Q109       36         3,000    SH     DEFINED                                        3,000
ALLSTATE CORPORATION       COM     020002101      353        10,476    SH     DEFINED                 10,476
ALLTEL CORPORATION         COM     020039103      322         5,216    SH     DEFINED     2            5,216
ALLTEL CORPORATION         COM     020039103      105         1,703    SH     DEFINED     2            1,400        200        103
ALLTEL CORPORATION         COM     020039103      414         6,711    SH     DEFINED     1            6,391                   320
ALLTEL CORPORATION         COM     020039103      302         4,896    SH     DEFINED                  4,896
AMERICAN  INTERNATION      COM     026874107    4,391        55,300    SH     DEFINED     1           55,300
AMERICAN BANK WATERBURY    COM     024CSH983       47         1,496    SH     DEFINED                                        1,496
AMERICAN ELECTRIC POWER    COM     025537101      275         6,318    SH     DEFINED     2            6,318
AMERICAN ELECTRIC POWER    COM     025537101       35           800    SH     DEFINED     2                         800
AMERICAN ELECTRIC POWER    COM     025537101      450        10,336    SH     DEFINED     1           10,336
AMERICAN ELECTRIC POWER    COM     025537101      120         2,759    SH     DEFINED     1                       2,759
AMERICAN EXPRESS COMPAN    COM     025816109      451        12,631    SH     DEFINED     1           12,631
AMERICAN EXPRESS COMPAN    COM     025816109      526        14,750    SH     DEFINED     1            8,000      2,100      4,650
AMERICAN GENERAL AIRCRA    COM     026358994        0        13,000    SH     DEFINED     1           13,000
AMERICAN HOME PRODUCT      COM     026609107    2,356        38,400    SH     DEFINED     1           38,400
AMERICAN HOME PRODUCTS     COM     026609107    1,087        17,720    SH     DEFINED     2           17,720
AMERICAN HOME PRODUCTS     COM     026609107      945        15,400    SH     DEFINED     2                      14,200      1,200
AMERICAN HOME PRODUCTS     COM     026609107    3,965        64,618    SH     DEFINED     1           63,888                   730
AMERICAN HOME PRODUCTS     COM     026609107      233         3,800    SH     DEFINED     1                       3,800
AMERICAN HOME PRODUCTS     COM     026609107      912        14,856    SH     DEFINED                 14,856
AMERICAN HOME PRODUCTS     COM     026609107        5            75    SH     DEFINED                                75
AMERICAN INTERNATIONAL     COM     026874107    1,273        16,038    SH     DEFINED     2           16,038
AMERICAN INTERNATIONAL     COM     026874107      270         3,404    SH     DEFINED     2              150      3,254
AMERICAN INTERNATIONAL     COM     026874107    2,168        27,304    SH     DEFINED     1           27,079                   225
AMERICAN INTERNATIONAL     COM     026874107      869        10,940    SH     DEFINED                 10,940
AMERICAN INTERNATIONAL     COM     026874107       12           154    SH     DEFINED                               154
AMERICANWEST BANCORPORA    COM     03058P109       27         2,195    SH     DEFINED                                        2,195
AMGEN INC                  COM     031162100      288         5,100    SH     DEFINED     2            5,100
AMGEN INC                  COM     031162100      135         2,400    SH     DEFINED     2                       2,400
AMGEN INC                  COM     031162100      830        14,706    SH     DEFINED     1           14,706
AMGEN INC                  COM     031162100      694        12,305    SH     DEFINED     1           12,305
AMGEN INC                  COM     031162100      420         7,445    SH     DEFINED                  7,445
AMGEN INC                  COM     031162100       29           520    SH     DEFINED                               520
AMSOUTH BANCORP COM        COM     032165102       77         4,100    SH     DEFINED                                        4,100
AMSOUTH BANCORPORATION     COM     032165102       19         1,010    SH     DEFINED                  1,010
AMSOUTH BANCORPORATION     COM     032165102      279        14,785    SH     DEFINED                            14,785
ANHEUSER BUSCH CO INC      COM     035229103    2,197        48,600    SH     DEFINED     1           48,600
ANHEUSER BUSCH COMPANIE    COM     035229103      535        11,830    SH     DEFINED     2           11,830
ANHEUSER BUSCH COMPANIE    COM     035229103      271         6,000    SH     DEFINED     2                       4,800      1,200
ANHEUSER BUSCH COMPANIE    COM     035229103      471        10,410    SH     DEFINED     1           10,135                   275
ANHEUSER BUSCH COMPANIE    COM     035229103      447         9,888    SH     DEFINED     1            8,150                 1,738
AOL TIME WARNER            COM     00184A105    2,770        86,300    SH     DEFINED     1           86,300
AOL TIME WARNER INC        COM     00184A105        8           250    SH     DEFINED                                          250
AOL TIME WARNER, INC       COM     00184A105      538        16,775    SH     DEFINED     2           16,775
AOL TIME WARNER, INC       COM     00184A105      138         4,313    SH     DEFINED     2                       4,175        138
AOL TIME WARNER, INC       COM     00184A105    1,718        53,506    SH     DEFINED     1           53,506
AOL TIME WARNER, INC       COM     00184A105      242         7,554    SH     DEFINED     1            6,015                 1,539
AOL TIME WARNER, INC       COM     00184A105      391        12,172    SH     DEFINED                 12,172
AOL TIME WARNER, INC       COM     00184A105        2            50    SH     DEFINED                                50
APPLIED MATERIALS INC      COM     038222105      428        10,665    SH     DEFINED     1           10,665
APPLIED MATERIALS INC      COM     038222105        9           225    SH     DEFINED     1              225
APPLIED MATERIALS INC C    COM     038222105       44         1,100    SH     DEFINED                                        1,100
ARCH COAL, INC.            COM     039380100      282        12,442    SH     DEFINED     2           12,442
ARCHER-DANIELS-MIDLAND     COM     039483102      174        12,102    SH     DEFINED     1           12,102
ASHLAND INC                COM     044204105    3,196        69,355    SH     DEFINED     2           69,355
AT&T CORP                  COM     001957109      505        27,842    SH     DEFINED     2           27,842
AT&T CORP                  COM     001957109      200        11,048    SH     DEFINED     2                      11,048
AT&T CORP                  COM     001957109    1,087        59,933    SH     DEFINED     1           58,933                 1,000
AT&T CORP                  COM     001957109      360        19,841    SH     DEFINED     1           16,257      3,059        525
AT&T CORP                  COM     001957109      665        36,659    SH     DEFINED                 36,659
AT&T CORP                  COM     001957109       34         1,860    SH     DEFINED                  1,350        510
AT&T CORP.                 COM     001957109       21         1,150    SH     DEFINED                                        1,150
AT&T WIRELESS GROUP        COM     00209A106        5           370    SH     DEFINED                                          370
AT&T WIRELESS SERVICES     COM     00209A106      147        10,219    SH     DEFINED     2           10,219
AT&T WIRELESS SERVICES     COM     00209A106       51         3,552    SH     DEFINED     2                       3,552
AT&T WIRELESS SERVICES     COM     00209A106      259        18,052    SH     DEFINED     1           17,948                   104
AT&T WIRELESS SERVICES     COM     00209A106       92         6,381    SH     DEFINED     1            5,231        982        168
AT&T WIRELESS SERVICES     COM     00209A106      163        11,334    SH     DEFINED                 11,334
AT&T WIRELESS SERVICES     COM     00209A106        9           597    SH     DEFINED                    434        163
AUTO DATA PROCESS          COM     053015103    2,014        34,200    SH     DEFINED     1           34,200
AUTOMATIC DATA PROCESSI    COM     053015103    1,333        22,626    SH     DEFINED     2           22,626
AUTOMATIC DATA PROCESSI    COM     053015103      459         7,800    SH     DEFINED     2              300      7,500
AUTOMATIC DATA PROCESSI    COM     053015103    1,651        28,037    SH     DEFINED     1           28,037
AUTOMATIC DATA PROCESSI    COM     053015103      259         4,400    SH     DEFINED     1                                  4,400
AUTOMATIC DATA PROCESSI    COM     053015103      252         4,282    SH     DEFINED                  4,282
AUTOMATIC DATA PROCESSI    COM     053015103        1            25    SH     DEFINED                                25
AVAYA INC                  COM     053499109        4           333    SH     DEFINED                                          333
AVERY DENNISON CORPORAT    COM     053611109      284         5,032    SH     DEFINED     2                       5,032
BANCFIRST CORP             COM     05945f103       28           800    SH     DEFINED                                          800
BANK OF AMERICA CORP       COM     060505104    5,731        91,033    SH     DEFINED     2           91,033
BANK OF AMERICA CORP       COM     060505104    3,691        58,635    SH     DEFINED     2              840     55,538      2,257
BANK OF AMERICA CORP       COM     060505104    6,953       110,451    SH     DEFINED     1           89,798                20,653
BANK OF AMERICA CORP       COM     060505104      747        11,866    SH     DEFINED     1            1,488      8,531      1,847
BANK OF AMERICA CORP       COM     060505104    3,262        51,818    SH     DEFINED                 51,818
BANK ONE CORPORATION       COM     06423A103       94         2,400    SH     DEFINED     2            2,400
BANK ONE CORPORATION       COM     06423A103      187         4,783    SH     DEFINED     2                       4,783
BANK ONE CORPORATION       COM     06423A103      254         6,496    SH     DEFINED     1            6,496
BANK ONE CORPORATION       COM     06423A103       36           912    SH     DEFINED     1                         912
BAR HARBOUR BANKSHARES     COM     066849100       19         1,050    SH     DEFINED                                        1,050
BAXTER INTERNATIONAL       COM     071813109      783        14,600    SH     DEFINED     1           14,600
BAXTER INTERNATIONAL, I    COM     071813109      179         3,338    SH     DEFINED     2            3,338
BAXTER INTERNATIONAL, I    COM     071813109      161         3,000    SH     DEFINED     2                       3,000
BAXTER INTERNATIONAL, I    COM     071813109      391         7,288    SH     DEFINED     1            7,288
BAXTER INTERNATIONAL, I    COM     071813109      139         2,600    SH     DEFINED     1                       1,000      1,600
BB & T CORPORATION         COM     054937107    1,335        36,967    SH     DEFINED     1           35,487                 1,480
BB & T CORPORATION         COM     054937107      790        21,871    SH     DEFINED                 21,871
BELLSOUTH CORPORATION      COM     079860102    3,389        88,823    SH     DEFINED     2           88,823
BELLSOUTH CORPORATION      COM     079860102      670        17,550    SH     DEFINED     2            6,100     11,450
BELLSOUTH CORPORATION      COM     079860102    4,380       114,803    SH     DEFINED     1          106,893                 7,910
BELLSOUTH CORPORATION      COM     079860102    2,718        71,244    SH     DEFINED     1            6,291     60,804      4,149
BELLSOUTH CORPORATION      COM     079860102      772        20,249    SH     DEFINED                 20,069                   180
BELLSOUTH CORPORATION      COM     079860102      314         8,220    SH     DEFINED                  2,400      5,820
BERKSHIRE HATHAWAY, INC    COM     084670108    2,873            38    SH     DEFINED     1               38
BIOGEN INC                 COM     090597105       40           700    SH     DEFINED     1              700
BIOGEN INC                 COM     090597105      172         3,000    SH     DEFINED     1            3,000
BNC CORP INC               COM     055936108       25         3,400    SH     DEFINED                                        3,400
BOLLINGER INDUSTRIES IN    COM     097676100        3        28,000    SH     DEFINED     1           28,000
BOLLINGER INDUSTRIES IN    COM     097676993       45       110,000    SH     DEFINED     1          110,000
BOSTONFED BANCORP INC      COM     101178101       55         2,300    SH     DEFINED                                        2,300
BP P.L.C.                  COM     055622104      494        10,632    SH     DEFINED     2           10,632
BP P.L.C.                  COM     055622104      264         5,680    SH     DEFINED     2            3,896      1,784
BP P.L.C.                  COM     055622104    2,575        55,370    SH     DEFINED     1           53,152                 2,218
BP P.L.C.                  COM     055622104      441         9,480    SH     DEFINED     1                       4,950      4,530
BP P.L.C.                  COM     055622104      251         5,386    SH     DEFINED                  5,288                    98
BP P.L.C.                  COM     055622104      364         7,832    SH     DEFINED                             7,832
BRISTOL-MYERS SQUIBB CO    COM     110122108    1,763        34,577    SH     DEFINED     2           34,577
BRISTOL-MYERS SQUIBB CO    COM     110122108      733        14,380    SH     DEFINED     2                      14,380
BRISTOL-MYERS SQUIBB CO    COM     110122108    1,722        33,755    SH     DEFINED     1           33,055        700
BRISTOL-MYERS SQUIBB CO    COM     110122108      889        17,423    SH     DEFINED     1            7,830      6,668      2,925
BRISTOL-MYERS SQUIBB CO    COM     110122108    1,230        24,117    SH     DEFINED                 24,117
BRISTOL-MYERS SQUIBB CO    COM     110122108       61         1,200    SH     DEFINED                             1,200
C & F FINANCIAL CORP       COM     12466Q104        7           360    SH     DEFINED                                          360
CALIFORNIA INDEP BANCSH    COM     991300104       51         2,234    SH     DEFINED                                        2,234
CAMDEN NATL CORP           COM     133034108       22         1,200    SH     DEFINED                                        1,200
CANADIAN NATIONAL          COM     136375102      805        16,680    SH     DEFINED     1           16,680
CANADIAN NATIONAL RAI      COM     136375102    2,194        45,450    SH     DEFINED     1           45,450
CAPITAL CITY BANK GROUP    COM     139674105      492        20,296    SH     DEFINED     1           20,296
CAPITAL CROSSING B         COM     140071101       35         1,925    SH     DEFINED                                        1,925
CAPITAL MANAGEMENT ASSO    COM     M00101366    2,150             1    SH     DEFINED     1                1
CASCADE BANCORP            COM     147154108       31         1,940    SH     DEFINED                                        1,940
CATHAY BANCORP INC         COM     149150104       91         1,420    SH     DEFINED                                        1,420
CBNY INVT SVCS CORP RTS    COM     14984C997        0           500    SH     DEFINED                                          500
CCBT BANCORP INC           COM     12500Q102       33         1,400    SH     DEFINED                                        1,400
CENDANT CORP               COM     151313103       78         4,000    SH     DEFINED                                        4,000
CERTEGY INC.               COM     156880106      278         8,135    SH     DEFINED     1            8,135
CERTEGY INC.               COM     156880106      171         5,000    SH     DEFINED     1            3,000                 2,000
CHEVRONTEXACO CORPORATI    COM     166764100    2,558        28,549    SH     DEFINED     2           28,549
CHEVRONTEXACO CORPORATI    COM     166764100      663         7,396    SH     DEFINED     2            1,500      5,896
CHEVRONTEXACO CORPORATI    COM     166764100    1,860        20,756    SH     DEFINED     1           20,404                   352
CHEVRONTEXACO CORPORATI    COM     166764100      390         4,348    SH     DEFINED     1            2,576      1,372        400
CHEVRONTEXACO CORPORATI    COM     166764100      663         7,398    SH     DEFINED                  7,198                   200
CHEVRONTEXACO CORPORATI    COM     166764100      135         1,511    SH     DEFINED                    462      1,049
CHITTENDEN CORP            COM     170228100       26           936    SH     DEFINED                                          936
CHUBB CORPORATION          COM     171232101    1,316        19,079    SH     DEFINED     1           19,079
CHUBB CORPORATION          COM     171232101    5,716        82,844    SH     DEFINED     1                       1,744     81,100
CISCO SYS INC              COM     17275R102       53         2,900    SH     DEFINED                                        2,900
CISCO SYSTEMS              COM     17275R102    1,042        57,555    SH     DEFINED     2           57,555
CISCO SYSTEMS              COM     17275R102      144         7,975    SH     DEFINED     2              600      7,375
CISCO SYSTEMS              COM     17275R102    2,519       139,104    SH     DEFINED     1          135,479                 3,625
CISCO SYSTEMS              COM     17275R102      301        16,616    SH     DEFINED     1            6,826      9,790
CISCO SYSTEMS              COM     17275R102    1,321        72,964    SH     DEFINED                 72,964
CISCO SYSTEMS              COM     17275R102        5           283    SH     DEFINED                               283
CISCO SYSTEMS INC          COM     17275R102    2,934       162,000    SH     DEFINED     1          162,000
CITIGROUP                  COM     172967101    5,235       103,700    SH     DEFINED     1          103,700
CITIGROUP INC              COM     172967101       43           850    SH     DEFINED                                          850
CITIGROUP INCORPORATED     COM     172967101    1,149        22,768    SH     DEFINED     2           22,768
CITIGROUP INCORPORATED     COM     172967101      234         4,642    SH     DEFINED     2              200      4,442
CITIGROUP INCORPORATED     COM     172967101    3,251        64,409    SH     DEFINED     1           63,210                 1,199
CITIGROUP INCORPORATED     COM     172967101    1,527        30,255    SH     DEFINED     1           10,669     19,313        273
CITIGROUP INCORPORATED     COM     172967101    1,464        28,999    SH     DEFINED                 28,451                   548
CITIGROUP INCORPORATED     COM     172967101       42           823    SH     DEFINED                               823
CITIZENS COMMUNICATIONS    COM     17453B101      201        18,851    SH     DEFINED     1           18,851
CITY NATIONAL CORP         COM     178566105       79         1,690    SH     DEFINED                                        1,690
CLOROX COMPANY             COM     189054109      269         6,800    SH     DEFINED     1            6,800
CLOROX COMPANY             COM     189054109       24           596    SH     DEFINED     1                                    596
COCA COLA CO.              COM     191216100       85         1,806    SH     DEFINED                                        1,806
COCA COLA COMPANY          COM     191216100   98,610     2,091,402    SH     DEFINED     2        2,089,589                 1,813
COCA COLA COMPANY          COM     191216100    4,250        90,147    SH     DEFINED     2           75,000     15,147
COCA COLA COMPANY          COM     191216100  440,469     9,341,871    SH     DEFINED     1        9,299,256                42,615
COCA COLA COMPANY          COM     191216100   26,862       569,712    SH     DEFINED     1           80,375    477,486     11,851
COCA COLA COMPANY          COM     191216100    1,662        35,254    SH     DEFINED                 35,254
COCA COLA COMPANY          COM     191216100       18           392    SH     DEFINED                               392
COCA-COLA COMPANY          COM     191216100    3,301        70,000    SH     DEFINED     1           70,000
COCA-COLA ENTERPRISES I    COM     191219104   26,181     1,382,312    SH     DEFINED     1        1,382,312
COLGATE PALMOLIVE CO       COM     194162103    3,962        68,600    SH     DEFINED     1           68,600
COLGATE-PALMOLIVE COMPA    COM     194162103    1,478        25,587    SH     DEFINED     2           25,587
COLGATE-PALMOLIVE COMPA    COM     194162103       46           800    SH     DEFINED     2              400        400
COLGATE-PALMOLIVE COMPA    COM     194162103    1,827        31,645    SH     DEFINED     1           31,445                   200
COLGATE-PALMOLIVE COMPA    COM     194162103      793        13,728    SH     DEFINED                 13,728
COLGATE-PALMOLIVE COMPA    COM     194162103        9           150    SH     DEFINED                               150
COLUMBIA BANCORP           COM     197227101       37         2,254    SH     DEFINED                                        2,254
COMCAST CORPORATION CLA    COM     200300200      229         6,350    SH     DEFINED     2            6,350
COMMUNITY BK SYS           COM     203607106       47         1,810    SH     DEFINED                                        1,810
COMPAQ COMPUTER CORP       COM     204493100      195        19,940    SH     DEFINED     1           19,152                   788
COMPAQ COMPUTER CORP       COM     204493100       59         6,060    SH     DEFINED     1            4,000      2,060
COMPASS BANCSHARES INC.    COM     20449H109      797        28,147    SH     DEFINED                            28,147
COMPASS BANKSHARES         COM     20449H109       14           495    SH     DEFINED                                          495
CONOCO INC CL B            COM     208251504      105         3,700    SH     DEFINED     1            3,700
CONOCO INC. COMMON STOC    COM     208251504      337        11,900    SH     DEFINED     2           11,900
CONOCO INC. COMMON STOC    COM     208251504        6           200    SH     DEFINED     2                         200
CONOCO INC. COMMON STOC    COM     208251504      749        26,455    SH     DEFINED     1           26,455
CONOCO INC. COMMON STOC    COM     208251504      283        10,000    SH     DEFINED     1           10,000
CONSOLIDATED EDISON INC    COM     209115104      226         5,598    SH     DEFINED     2            5,598
CONSOLIDATED EDISON INC    COM     209115104       52         1,300    SH     DEFINED     2                       1,300
CORPAS INVESTMENTS, INC    COM     21986N103        0        13,333    SH     DEFINED     1           13,333
COUSINS PROPERTIES INCO    COM     222795106       91         3,750    SH     DEFINED     1            3,750
COUSINS PROPERTIES INCO    COM     222795106      207         8,500    SH     DEFINED     1            3,000      5,500
CVB FINANCIAL CORP         COM     126600105      109         4,638    SH     DEFINED                                        4,638
DARDEN RESTAURANTS INC     COM     237194105    1,344        37,952    SH     DEFINED     1           37,952
DARDEN RESTAURANTS INC     COM     237194105      216         6,100    SH     DEFINED     1                       6,100
DELL COMPUTER              COM     247025109       20           750    SH     DEFINED                                          750
DELL COMPUTER CORP         COM     247025109    2,713        99,800    SH     DEFINED     1           99,800
DELL COMPUTER CORPORATI    COM     247025109    1,052        38,716    SH     DEFINED     1           37,716                 1,000
DELL COMPUTER CORPORATI    COM     247025109       38         1,400    SH     DEFINED     1            1,400
DEVELOPERS-INVESTORS,IN    COM     232990AA9      456       450,000    SH     DEFINED     1
DISNEY (WALT) COMPANY      COM     254687106      978        47,200    SH     DEFINED     1           47,200
DU PONT (E I) DE NEMO      COM     263534109    1,688        39,700    SH     DEFINED     1           39,700
DUKE ENERGY CORPORATION    COM     264399106      326         8,300    SH     DEFINED     2            8,300
DUKE ENERGY CORPORATION    COM     264399106      160         4,070    SH     DEFINED     2              400      3,670
DUKE ENERGY CORPORATION    COM     264399106      302         7,694    SH     DEFINED     1            7,694
DUKE ENERGY CORPORATION    COM     264399106      287         7,300    SH     DEFINED     1            4,000      3,300
DUKE ENERGY CORPORATION    COM     264399106      613        15,606    SH     DEFINED                 15,606
DUKE ENERGY CORPORATION    COM     264399106       16           400    SH     DEFINED                               400
E. I. DUPONT DE NEMOURS    COM     263534109      404         9,500    SH     DEFINED     2            9,500
E. I. DUPONT DE NEMOURS    COM     263534109       40           950    SH     DEFINED     2                         950
E. I. DUPONT DE NEMOURS    COM     263534109    1,419        33,387    SH     DEFINED     1           33,047                   340
E. I. DUPONT DE NEMOURS    COM     263534109      627        14,760    SH     DEFINED     1            5,755      9,005
E. I. DUPONT DE NEMOURS    COM     263534109    2,391        56,239    SH     DEFINED                 56,239
E. I. DUPONT DE NEMOURS    COM     263534109       23           550    SH     DEFINED                               550
EARTHLINK INC              COM     270321102       12         1,000    SH     DEFINED                                        1,000
EL PASO CORP               COM     28336L109    2,183        48,926    SH     DEFINED     1           48,926
EL PASO CORPORATION        COM     28336L109    1,381        30,951    SH     DEFINED     1           30,951
EL PASO CORPORATION        COM     28336L109       29           644    SH     DEFINED     1                                    644
EL PASO CORPORATION        COM     28336L109      241         5,400    SH     DEFINED                  5,400
EL PASO CORPORATION        COM     28336L109        1            25    SH     DEFINED                                25
ELECTR DATA SYS            COM     285661104    3,969        57,900    SH     DEFINED     1           57,900
ELECTRONIC DATA SYSTEMS    COM     285661104      462         6,742    SH     DEFINED     2            6,742
ELECTRONIC DATA SYSTEMS    COM     285661104       27           400    SH     DEFINED     2              400
ELECTRONIC DATA SYSTEMS    COM     285661104    2,607        38,033    SH     DEFINED     1           34,748                 3,285
ELECTRONIC DATA SYSTEMS    COM     285661104      743        10,844    SH     DEFINED                 10,844
ELECTRONIC DATA SYSTEMS    COM     285661104       14           200    SH     DEFINED                               200
EMC CORP                   COM     268648102      611        45,430    SH     DEFINED     2           45,430
EMC CORP                   COM     268648102       79         5,875    SH     DEFINED     2                       5,875
EMC CORP                   COM     268648102      949        70,640    SH     DEFINED     1           70,540                   100
EMC CORP                   COM     268648102       17         1,265    SH     DEFINED     1            1,075        190
EMC CORP/MA                COM     268648102    1,681       125,050    SH     DEFINED     1          125,050
EMERSON ELECTRIC CO.       COM     291011104      263         4,600    SH     DEFINED     2            4,600
EMERSON ELECTRIC CO.       COM     291011104      274         4,800    SH     DEFINED     2                       4,800
EMERSON ELECTRIC CO.       COM     291011104    1,066        18,670    SH     DEFINED     1           18,670
EMERSON ELECTRIC CO.       COM     291011104      171         3,000    SH     DEFINED     1            3,000
ENERGEN CORPORATION        COM     29265N108       40         1,608    SH     DEFINED                  1,608
ENERGEN CORPORATION        COM     29265N108      614        24,905    SH     DEFINED                            24,905
ENRON CORPORATION          COM     293561106       30        49,469    SH     DEFINED                 48,669                   800
ENVIRO-ENERGY CORPORATI    COM     29403E101        0        16,600    SH     DEFINED     1           16,600
EQUIFAX, INCORPORATED      COM     294429105      586        24,270    SH     DEFINED     1           24,270
EQUIFAX, INCORPORATED      COM     294429105      242        10,000    SH     DEFINED     1            6,000                 4,000
EXCHANGE BANK SANTA ROS    COM     301227203       23           300    SH     DEFINED                                          300
EXXON MOBIL CORPORATI      COM     30231G102    4,271       108,684    SH     DEFINED     1          108,684
EXXON MOBIL CORPORATION    COM     30231G102    6,128       155,930    SH     DEFINED     2          155,930
EXXON MOBIL CORPORATION    COM     30231G102    2,032        51,710    SH     DEFINED     2            2,776     45,734      3,200
EXXON MOBIL CORPORATION    COM     30231G102   10,353       263,445    SH     DEFINED     1          255,061                 8,384
EXXON MOBIL CORPORATION    COM     30231G102    3,087        78,546    SH     DEFINED     1            8,070     59,628     10,848
EXXON MOBIL CORPORATION    COM     30231G102    7,293       185,574    SH     DEFINED                184,774                   800
EXXON MOBIL CORPORATION    COM     30231G102      148         3,775    SH     DEFINED                             3,775
FANNIE MAE                 COM     313586109      882        11,089    SH     DEFINED     2           11,089
FANNIE MAE                 COM     313586109      209         2,625    SH     DEFINED     2                       2,625
FANNIE MAE                 COM     313586109    3,617        45,503    SH     DEFINED     1           45,053                   450
FANNIE MAE                 COM     313586109      271         3,403    SH     DEFINED     1              420      2,800        183
FANNIE MAE                 COM     313586109      916        11,518    SH     DEFINED                 11,518
FANNIE MAE                 COM     313586109       15           191    SH     DEFINED                               191
FANNIE MAE                 COM     313586109    5,056        63,600    SH     DEFINED     1           63,600
FIFTH THIRD BANCORP        COM     316773100      282         4,600    SH     DEFINED     2            4,600
FIRST BANCORP N C          COM     318910106       56         2,492    SH     DEFINED                                        2,492
FIRST FINANCIAL CORP       COM     320221104       66         2,100    SH     DEFINED                                        2,100
FIRST KEYSTONE FIN INC     COM     320655103       39         2,800    SH     DEFINED                                        2,800
FIRST MIDWEST BANCORP I    COM     320867104       15           500    SH     DEFINED                                          500
FIRST NATIONAL CORP        COM     320942105       21         1,100    SH     DEFINED                                        1,100
FIRST OAK BROOK BCSHS I    COM     335847208       68         2,800    SH     DEFINED                                        2,800
FIRST OF LONG ISLAND CO    COM     320734106       23           600    SH     DEFINED                                          600
FIRST STATE BANCORP        COM     336453105       10           490    SH     DEFINED                                          490
FIRST TENNESSEE NATIONA    COM     337162101      716        19,744    SH     DEFINED     1                      19,744
FIRST TENNESSEE NATL       COM     337162101       54         1,500    SH     DEFINED                                        1,500
FLEET BOSTON FINANCIA      COM     339030108    4,252       116,500    SH     DEFINED     1          116,500
FLEETBOSTON FINANCIAL C    COM     339030108      212         5,800    SH     DEFINED     2            5,800
FLEETBOSTON FINANCIAL C    COM     339030108       39         1,060    SH     DEFINED     2                         300        760
FLEETBOSTON FINANCIAL C    COM     339030108    2,282        62,511    SH     DEFINED     1           62,161                   350
FLEETBOSTON FINANCIAL C    COM     339030108       63         1,730    SH     DEFINED     1                         900        830
FLEETBOSTON FINANCIAL C    COM     339030108      612        16,777    SH     DEFINED                 16,777
FLEETBOSTON FINANCIAL C    COM     339030108        5           125    SH     DEFINED                               125
FLORIDA EAST COAST INDU    COM     340632207        5           234    SH     DEFINED                                          234
FLOWERS FOODS, INC.        COM     343498101      524        13,137    SH     DEFINED     1           13,137
FMS FINANCIAL CORP         COM     302509104        6           720    SH     DEFINED                                          720
FORD MOTOR CO              COM     345370860       17         1,059    SH     DEFINED                                        1,059
FORD MOTOR COMPANY NEW     COM     345370860      727        46,236    SH     DEFINED     1           44,960                 1,276
FORD MOTOR COMPANY NEW     COM     345370860       52         3,330    SH     DEFINED     1                       3,330
FORD MOTOR COMPANY NEW     COM     345370860      324        20,621    SH     DEFINED                 20,621
FORD MOTOR COMPANY NEW     COM     345370860        2           100    SH     DEFINED                               100
FPL GROUP, INC.            COM     302571104      160         2,840    SH     DEFINED     2            2,840
FPL GROUP, INC.            COM     302571104       56         1,000    SH     DEFINED     2              500        500
FRANKLIN BANK NA           COM     352456107       32         1,816    SH     DEFINED                                        1,816
G A FINANCIAL INC          COM     361437106       40         2,400    SH     DEFINED                                        2,400
GANNETT COMPANY, INC.      COM     364730101      168         2,500    SH     DEFINED     2            2,500
GANNETT COMPANY, INC.      COM     364730101       54           800    SH     DEFINED     2                         800
GBC BANCORP CALIF          COM     361475106       20           680    SH     DEFINED                                          680
GENENTECH, INC             COM     368710406      336         6,200    SH     DEFINED     2            6,200
GENENTECH, INC             COM     368710406       11           200    SH     DEFINED     2                         200
GENERAL DYNAMICS CORP      COM     369550108      130         1,638    SH     DEFINED     1              300                 1,338
GENERAL DYNAMICS CORP      COM     369550108      101         1,274    SH     DEFINED     1                                  1,274
GENERAL ELECTRIC CO        COM     369604103       73         1,823    SH     DEFINED                                        1,823
GENERAL ELECTRIC COMPAN    COM     369604103    8,785       219,188    SH     DEFINED     2          219,188
GENERAL ELECTRIC COMPAN    COM     369604103    3,373        84,147    SH     DEFINED     2           20,500     60,047      3,600
GENERAL ELECTRIC COMPAN    COM     369604103   16,255       405,563    SH     DEFINED     1          379,119                26,444
GENERAL ELECTRIC COMPAN    COM     369604103    6,719       167,638    SH     DEFINED     1           26,500    105,573     35,565
GENERAL ELECTRIC COMPAN    COM     369604103    5,087       126,921    SH     DEFINED                126,921
GENERAL ELECTRIC COMPAN    COM     369604103      132         3,296    SH     DEFINED                  2,400        896
GENERAL MILLS, INC.        COM     370334104    8,520       163,821    SH     DEFINED     1          163,821
GENERAL MILLS, INC.        COM     370334104    1,076        20,688    SH     DEFINED     1                      20,688
GENERAL MOTORS CORPORAT    COM     370442105      244         5,020    SH     DEFINED     1            5,020
GENERAL MOTORS CORPORAT    COM     370442105       38           788    SH     DEFINED     1              190                   598
GENL ELECTRIC              COM     369604103    6,455       161,049    SH     DEFINED     1          161,049
GENUINE PARTS COMPANY      COM     372460105    5,891       160,511    SH     DEFINED     1          160,511
GENUINE PARTS COMPANY      COM     372460105      161         4,386    SH     DEFINED     1            1,686      2,700
GILLETTE CO                COM     375766102      814        24,365    SH     DEFINED     2           24,365
GILLETTE CO                COM     375766102      147         4,400    SH     DEFINED     2            3,200      1,200
GILLETTE CO                COM     375766102       84         2,524    SH     DEFINED     1            2,524
GILLETTE CO                COM     375766102      548        16,393    SH     DEFINED     1            5,000      8,193      3,200
GLAXO SMITHKLINE PLC SP    COM     37733W105      452         9,065    SH     DEFINED     2            9,065
GLAXO SMITHKLINE PLC SP    COM     37733W105      235         4,718    SH     DEFINED     2            3,824        894
GOLDFIELD CORP(NEVADA)     COM     381370105       78       150,000    SH     DEFINED                150,000
GREATER BAY BANCORP        COM     391648102      203         7,103    SH     DEFINED                                        7,103
GROVE INVESTMENT CO PAR    COM     M00015517      335       334,694    SH     DEFINED     1          334,694
H J HEINZ COMPANY          COM     423074103      313         7,600    SH     DEFINED     2            7,600
H J HEINZ COMPANY          COM     423074103        8           200    SH     DEFINED     2                         200
H J HEINZ COMPANY          COM     423074103      127         3,080    SH     DEFINED     1            3,080
H J HEINZ COMPANY          COM     423074103      123         3,000    SH     DEFINED     1            3,000
HALLIBURTON COMPANY        COM     406216101       82         6,276    SH     DEFINED     1            6,276
HALLIBURTON COMPANY        COM     406216101      131        10,000    SH     DEFINED     1           10,000
HANMI FINL CORP            COM     410495105       36         2,479    SH     DEFINED                                        2,479
HCA INC                    COM     404119109    1,198        31,085    SH     DEFINED     1           31,085
HCA INC                    COM     404119109       20           512    SH     DEFINED                                          512
HEALTHSOUTH CORP           COM     421924101       30         2,000    SH     DEFINED                                        2,000
HERSHEY FOODS CORP         COM     427866108      217         3,200    SH     DEFINED                  3,200
HEWLETT PACKARD CO         COM     428236103      301        14,650    SH     DEFINED     2           14,650
HEWLETT PACKARD CO         COM     428236103      134         6,500    SH     DEFINED     2            1,600      4,900
HEWLETT PACKARD CO         COM     428236103      638        31,071    SH     DEFINED     1           29,886                 1,185
HEWLETT PACKARD CO         COM     428236103       37         1,810    SH     DEFINED     1              194      1,236        380
HEWLETT PACKARD CO         COM     428236103      697        33,942    SH     DEFINED                 33,942
HEWLETT PACKARD CO         COM     428236103       10           474    SH     DEFINED                               474
HILL FARMS, L.L.C.         COM     M00101929      444        10,000    SH     DEFINED                 10,000
HOME DEPOT INC             COM     437076102    4,423        86,700    SH     DEFINED     1           86,700
HOME DEPOT INCORPORATED    COM     437076102    1,486        29,126    SH     DEFINED     2           29,126
HOME DEPOT INCORPORATED    COM     437076102      619        12,140    SH     DEFINED     2            5,350      6,790
HOME DEPOT INCORPORATED    COM     437076102    5,283       103,559    SH     DEFINED     1          100,159                 3,400
HOME DEPOT INCORPORATED    COM     437076102      560        10,976    SH     DEFINED     1            5,610      3,135      2,231
HOME DEPOT INCORPORATED    COM     437076102    1,751        34,323    SH     DEFINED                 33,756                   567
HOME DEPOT INCORPORATED    COM     437076102       55         1,086    SH     DEFINED                             1,086
HONEYWELL INTERNATIONAL    COM     438516106      728        21,529    SH     DEFINED     1           21,529
HONEYWELL INTERNATIONAL    COM     438516106       17           504    SH     DEFINED     1              364        140
IBM CORPORATION            COM     459200101    1,947        16,100    SH     DEFINED     1           16,100
ILLINOIS TOOL WORKS, IN    COM     452308109      440         6,500    SH     DEFINED     2            6,500
ILLINOIS TOOL WORKS, IN    COM     452308109       91         1,350    SH     DEFINED     2              200      1,150
ILLINOIS TOOL WORKS, IN    COM     452308109      666         9,828    SH     DEFINED                  9,828
ILLINOIS TOOL WORKS, IN    COM     452308109       18           265    SH     DEFINED                               265
INTEL CORP                 COM     458140100    5,101       162,200    SH     DEFINED     1          162,200
INTEL CORP                 COM     458140100       39         1,252    SH     DEFINED                                        1,252
INTEL CORPORATION          COM     458140100    2,998        95,320    SH     DEFINED     2           95,320
INTEL CORPORATION          COM     458140100      910        28,940    SH     DEFINED     2           14,840     14,100
INTEL CORPORATION          COM     458140100    5,919       188,219    SH     DEFINED     1          174,356                13,863
INTEL CORPORATION          COM     458140100      705        22,425    SH     DEFINED     1            1,018     19,446      1,961
INTEL CORPORATION          COM     458140100    1,821        57,917    SH     DEFINED                 57,917
INTEL CORPORATION          COM     458140100       82         2,600    SH     DEFINED                             2,600
INTERNATIONAL BUSINESS     COM     459200101    1,599        13,222    SH     DEFINED     2           13,222
INTERNATIONAL BUSINESS     COM     459200101      583         4,818    SH     DEFINED     2            1,693      3,125
INTERNATIONAL BUSINESS     COM     459200101    3,901        32,249    SH     DEFINED     1           31,109                 1,140
INTERNATIONAL BUSINESS     COM     459200101      690         5,708    SH     DEFINED     1            1,600        195      3,913
INTERNATIONAL BUSINESS     COM     459200101      919         7,596    SH     DEFINED                  6,922                   674
INTERNATIONAL BUSINESS     COM     459200101        9            74    SH     DEFINED                                74
INTERNATIONAL PAPER C      COM     460146103    1,989        49,300    SH     DEFINED     1           49,300
INTERNATIONAL PAPER COM    COM     460146103      848        21,016    SH     DEFINED     1           21,016
INTERNATIONAL PAPER COM    COM     460146103      340         8,426    SH     DEFINED     1            7,426      1,000
INTUIT INC                 COM     461202103      770        18,000    SH     DEFINED     1           18,000
IPSWICH BANCSHARES INC     COM     462633108       39         3,050    SH     DEFINED                                        3,050
ITLA CAPITAL CORP          COM     450565106       56         2,650    SH     DEFINED                                        2,650
J P MORGAN CHASE & CO.     COM     46625H100      203         5,577    SH     DEFINED     2            5,577
J P MORGAN CHASE & CO.     COM     46625H100      170         4,668    SH     DEFINED     2              300      4,368
J P MORGAN CHASE & CO.     COM     46625H100      331         9,106    SH     DEFINED     1            9,106
J P MORGAN CHASE & CO.     COM     46625H100      365        10,030    SH     DEFINED     1            8,550                 1,480
J. ALEXANDER CORPORATIO    COM     466096104       49        22,080    SH     DEFINED     1           22,080
JOHNSON & JOHNS            COM     478160104    4,805        81,300    SH     DEFINED     1           81,300
JOHNSON & JOHNSON          COM     478160104      987        16,700    SH     DEFINED     2           16,700
JOHNSON & JOHNSON          COM     478160104      831        14,060    SH     DEFINED     2              400     13,660
JOHNSON & JOHNSON          COM     478160104    8,558       144,798    SH     DEFINED     1          143,898                   900
JOHNSON & JOHNSON          COM     478160104    5,069        85,778    SH     DEFINED     1              800     83,414      1,564
JOHNSON & JOHNSON          COM     478160104    1,965        33,248    SH     DEFINED                 33,248
JOHNSON & JOHNSON          COM     478160104       34           580    SH     DEFINED                               580
KELLOGG COMPANY            COM     487836108      781        25,956    SH     DEFINED     1           25,956
KIMBERLY CLARK CORP        COM     494368103      643        10,750    SH     DEFINED     2           10,750
KIMBERLY CLARK CORP        COM     494368103      282         4,724    SH     DEFINED     2              200      3,900        624
KIMBERLY CLARK CORP        COM     494368103    1,613        26,970    SH     DEFINED     1           26,770                   200
KIMBERLY CLARK CORP        COM     494368103       74         1,230    SH     DEFINED     1                       1,230
LEDGER CAP CORP COM        COM     523283109        0         1,600    SH     DEFINED                                        1,600
LEHMAN BROTHERS HOLDING    COM     524908100      535         8,005    SH     DEFINED     1            8,005
LEHMAN BROTHERS HOLDING    COM     524908100       61           920    SH     DEFINED     1              920
LILLY, ELI & CO            COM     532457108      281         3,575    SH     DEFINED     2            3,575
LILLY, ELI & CO            COM     532457108      453         5,771    SH     DEFINED     2              500      5,271
LILLY, ELI & CO            COM     532457108      242         3,087    SH     DEFINED     1            2,987                   100
LILLY, ELI & CO            COM     532457108       42           540    SH     DEFINED     1                                    540
LILLY, ELI & CO            COM     532457108      652         8,300    SH     DEFINED                  8,300
LILLY, ELI & CO            COM     532457108       94         1,200    SH     DEFINED                             1,200
LOCKHEED MARTIN CORPORA    COM     539830109      233         5,000    SH     DEFINED     1            5,000
LONG ISLAND FINANCIAL C    COM     542669106       24         1,500    SH     DEFINED                                        1,500
LOWES COMPANIES INC        COM     548661107      162         3,500    SH     DEFINED     2            3,500
LOWES COMPANIES INC        COM     548661107      246         5,300    SH     DEFINED     2            4,300      1,000
LOWES COMPANIES INC        COM     548661107      888        19,135    SH     DEFINED     1           16,745                 2,390
LOWES COMPANIES INC        COM     548661107      492        10,600    SH     DEFINED     1                      10,600
LOWES COMPANIES INC        COM     548661107      832        17,930    SH     DEFINED                 17,930
LOWES COMPANIES INC        COM     548661107        5           100    SH     DEFINED                               100
LUCENT TECH INC            COM     549463107       17         2,725    SH     DEFINED                                        2,725
LUCENT TECHNOLOGIES INC    COM     549463107      133        21,145    SH     DEFINED     2           21,145
LUCENT TECHNOLOGIES INC    COM     549463107       54         8,604    SH     DEFINED     2                       8,044        560
LUCENT TECHNOLOGIES INC    COM     549463107      242        38,348    SH     DEFINED     1           37,173                 1,175
LUCENT TECHNOLOGIES INC    COM     549463107      194        30,810    SH     DEFINED     1           25,800      2,938      2,072
LUCENT TECHNOLOGIES INC    COM     549463107      110        17,384    SH     DEFINED                 17,384
LUCENT TECHNOLOGIES INC    COM     549463107       10         1,555    SH     DEFINED                  1,164        391
M B N A CORP               COM     55262L100       35         1,000    SH     DEFINED                                        1,000
M C B FINANCIAL CORP       COM     55264A995       68         5,040    SH     DEFINED                                        5,040
MAHASKA INVESTMENT CO      COM     559809108       35         3,006    SH     DEFINED                                        3,006
MANULIFE FINANCIAL CORP    COM     56501R106    4,030       154,637    SH     DEFINED     1          154,637
MARRIOTT INTERNATIONAL     COM     571903202      492        12,100    SH     DEFINED     1           12,100
MARSH & MCLENNAN COMPAN    COM     571748102      212         1,975    SH     DEFINED     1            1,975
MARSHALL & ILSLEY CORP     COM     571834100       40           631    SH     DEFINED                                          631
MCDONALDS CORP             COM     580135101      368        13,900    SH     DEFINED     2           13,900
MCDONALDS CORP             COM     580135101      201         7,600    SH     DEFINED     2                       7,600
MCDONALDS CORP             COM     580135101      158         5,974    SH     DEFINED     1            4,974                 1,000
MCDONALDS CORP             COM     580135101      212         8,000    SH     DEFINED     1            8,000
MCDONALDS CORP             COM     580135101       77         2,900    SH     DEFINED                                        2,900
MCGRAW HILL COMPANIES I    COM     580645109      945        15,502    SH     DEFINED     1           13,944                 1,558
MEDTRONIC INC              COM     585055106      955        18,650    SH     DEFINED     2           18,650
MEDTRONIC INC              COM     585055106       82         1,600    SH     DEFINED     2              200      1,400
MEDTRONIC INC              COM     585055106    2,982        58,232    SH     DEFINED     1           55,912                 2,320
MEDTRONIC INC              COM     585055106       66         1,280    SH     DEFINED     1              955        325
MEDTRONIC INC              COM     585055106      909        17,750    SH     DEFINED                 17,511                   239
MEDTRONIC INC              COM     585055106       38           739    SH     DEFINED                               739
MEDTRONIC INC              COM     585055106    3,226        63,000    SH     DEFINED     1           63,000
MERCHANTS BANCSHARES IN    COM     588448100      360        15,000    SH     DEFINED     2                      15,000
MERCK & CO., INC           COM     589331107    5,221        88,800    SH     DEFINED     1           88,800
MERCK & CO., INC           COM     589331107    3,911        66,510    SH     DEFINED     2           66,510
MERCK & CO., INC           COM     589331107      685        11,648    SH     DEFINED     2            1,800      9,848
MERCK & CO., INC           COM     589331107    7,085       120,491    SH     DEFINED     1          116,872                 3,619
MERCK & CO., INC           COM     589331107    2,081        35,395    SH     DEFINED     1            9,406      6,069     19,920
MERCK & CO., INC           COM     589331107    1,664        28,298    SH     DEFINED                 27,802                   496
MERCK & CO., INC           COM     589331107       10           175    SH     DEFINED                               175
MERRILL LYNCH AND CO, I    COM     590188108      373         7,156    SH     DEFINED     1            6,580                   576
MERRILL LYNCH AND CO, I    COM     590188108      122         2,350    SH     DEFINED     1                       2,350
MERRILL LYNCH AND CO, I    COM     590188108      293         5,614    SH     DEFINED                  5,614
MERRILL LYNCH AND CO, I    COM     590188108       25           480    SH     DEFINED                               480
MICROSOFT CORPORATION      COM     594918104    4,522        68,250    SH     DEFINED     1           68,250
MICROSOFT CORPORATION      COM     594918104       33           500    SH     DEFINED                                          500
MICROSOFT CORPORATION      COM     594918104    2,794        42,176    SH     DEFINED     2           42,176
MICROSOFT CORPORATION      COM     594918104      765        11,550    SH     DEFINED     2              800     10,750
MICROSOFT CORPORATION      COM     594918104    5,353        80,802    SH     DEFINED     1           75,677                 5,125
MICROSOFT CORPORATION      COM     594918104      552         8,338    SH     DEFINED     1            6,283        370      1,685
MICROSOFT CORPORATION      COM     594918104    1,993        30,081    SH     DEFINED                 30,081
MICROSOFT CORPORATION      COM     594918104       49           740    SH     DEFINED                               740
MID-AMERICA APARTMENTS     COM     M00090627      495        32,847    SH     DEFINED     1           32,847
MID-AMERICA APARTMENTS     COM     M00090627       81         5,368    SH     DEFINED     1            5,368
MID-AMERICAN APARTMENT     COM     59522J103       39         1,500    SH     DEFINED     1            1,500
MID-AMERICAN APARTMENT     COM     59522J103      184         7,000    SH     DEFINED     1            7,000
MINNESOTA MINING & MANU    COM     604059105      343         2,900    SH     DEFINED     2            2,900
MINNESOTA MINING & MANU    COM     604059105      307         2,600    SH     DEFINED     2                       2,600
MINNESOTA MINING & MANU    COM     604059105    1,698        14,361    SH     DEFINED     1           14,361
MINNESOTA MINING & MANU    COM     604059105      355         3,000    SH     DEFINED     1            2,000        800        200
MIRANT CORPORATION         COM     604675108      469        29,246    SH     DEFINED     1           28,849                   397
MIRANT CORPORATION         COM     604675108       33         2,079    SH     DEFINED     1               97      1,982
MODIS PROFESSIONAL SCER    COM     607830106       71        10,000    SH     DEFINED     1           10,000
MORGAN STANLEY DEAN WIT    COM     617446448      197         3,525    SH     DEFINED     2            3,525
MORGAN STANLEY DEAN WIT    COM     617446448      132         2,360    SH     DEFINED     2                       2,360
MORGAN STANLEY DEAN WIT    COM     617446448    2,107        37,659    SH     DEFINED     1           37,059                   600
MORGAN STANLEY DEAN WIT    COM     617446448      131         2,350    SH     DEFINED     1                       2,350
MORGAN STANLEY DEAN WIT    COM     617446448    1,072        19,171    SH     DEFINED                 19,171
MORGAN STANLEY DEAN WIT    COM     617446448        4            75    SH     DEFINED                                75
MORGAN STANLY DEAN WI      COM     617446448    3,888        69,500    SH     DEFINED     1           69,500
MOTOROLA INC               COM     620076109    1,208        80,400    SH     DEFINED     1           80,400
MOTOROLA, INC              COM     620076109      362        24,072    SH     DEFINED     2           24,072
MOTOROLA, INC              COM     620076109        8           500    SH     DEFINED     2                         500
MOTOROLA, INC              COM     620076109      790        52,619    SH     DEFINED     1           51,194                 1,425
MOTOROLA, INC              COM     620076109        2           165    SH     DEFINED     1                         165
MOTOROLA, INC              COM     620076109      367        24,410    SH     DEFINED                 24,410
MOTOROLA, INC              COM     620076109       11           725    SH     DEFINED                               725
NATIONAL COMMERCE FINAN    COM     63545P104       31         1,209    SH     DEFINED                                        1,209
NEXTEL COMM INC            COM     65332V103       11         1,000    SH     DEFINED                                        1,000
NOKIA CORP                 COM     654902204       41         1,675    SH     DEFINED                                        1,675
NOKIA CORP-SPONSORED AM    COM     654902204      383        15,595    SH     DEFINED     1           15,595
NOKIA CORP-SPONSORED AM    COM     654902204       10           410    SH     DEFINED     1              410
NORFOLK SOUTHERN CORPOR    COM     655844108      245        13,353    SH     DEFINED     1           13,353
NORFOLK SOUTHERN CORPOR    COM     655844108       55         3,000    SH     DEFINED     1                                  3,000
NORFOLK SOUTHERN CORPOR    COM     655844108      530        28,932    SH     DEFINED                 28,932
NORTEL NETWORKS CORP. N    COM     656568102      115        15,460    SH     DEFINED     2           15,460
NORTEL NETWORKS CORP. N    COM     656568102       10         1,400    SH     DEFINED     2                       1,400
NORTEL NETWORKS CORP. N    COM     656568102      153        20,499    SH     DEFINED     1           20,499
NORTEL NETWORKS CORP. N    COM     656568102       17         2,225    SH     DEFINED     1              460        765      1,000
NORTH FORK BANCORP INC     COM     659424105      202         6,318    SH     DEFINED                                        6,318
NORTH VALLEY BANCORP       COM     66304M105       41         3,000    SH     DEFINED                                        3,000
NORTHERN EMPIRE BANCSHS    COM     665112108      158         7,012    SH     DEFINED                                        7,012
NORTHRIM BK ALASKA         COM     666764105       33         2,291    SH     DEFINED                                        2,291
ORACLE CORPORATION         COM     68389X105    2,997       217,048    SH     DEFINED     1          217,048
ORACLE CORPORATION         COM     68389X105      743        53,790    SH     DEFINED     2           53,790
ORACLE CORPORATION         COM     68389X105       50         3,600    SH     DEFINED     2                       3,600
ORACLE CORPORATION         COM     68389X105    3,487       252,520    SH     DEFINED     1          241,585                10,935
ORACLE CORPORATION         COM     68389X105      548        39,679    SH     DEFINED     1           23,065     12,552      4,062
ORACLE CORPORATION         COM     68389X105      794        57,476    SH     DEFINED                 56,277                 1,199
ORACLE CORPORATION         COM     68389X105        3           250    SH     DEFINED                               250
ORACLE CORPORATION         COM     68389X105       35         2,500    SH     DEFINED                                        2,500
PAB BANKSHARES, INC.       COM     69313P101      918        91,742    SH     DEFINED     1           91,592                   150
PACIFIC CREST CAPITAL I    COM     694166109       65         3,100    SH     DEFINED                                        3,100
PARKVALE FINANCIAL CORP    COM     701492100        7           312    SH     DEFINED                                          312
PEOPLES BANCSHARES INC     COM     709795108       32         1,500    SH     DEFINED                                        1,500
PEPSICO, INC.              COM     713448108      907        18,618    SH     DEFINED     2           18,618
PEPSICO, INC.              COM     713448108      204         4,200    SH     DEFINED     2                       4,200
PEPSICO, INC.              COM     713448108      182         3,732    SH     DEFINED     1            3,732
PEPSICO, INC.              COM     713448108      321         6,600    SH     DEFINED     1            6,000        600
PEPSICO, INC.              COM     713448108      527        10,830    SH     DEFINED                 10,830
PEPSICO, INC.              COM     713448108       20           420    SH     DEFINED                               420
PERKINELMER, INC.          COM     714046109      210         6,000    SH     DEFINED     1            6,000
PERPETUAL FED SAVINGS B    COM     714273109        7           420    SH     DEFINED                                          420
PFIZER INC                 COM     717081103    2,818        70,704    SH     DEFINED     2           70,704
PFIZER INC                 COM     717081103      535        13,425    SH     DEFINED     2              300     11,025      2,100
PFIZER INC                 COM     717081103    7,308       183,393    SH     DEFINED     1          178,653                 4,740
PFIZER INC                 COM     717081103    1,259        31,582    SH     DEFINED     1           13,257     15,846      2,479
PFIZER INC                 COM     717081103    3,858        96,807    SH     DEFINED                 96,207                   600
PFIZER INC                 COM     717081103       50         1,263    SH     DEFINED                             1,263
PFIZER INC                 COM     717081103    4,670       117,200    SH     DEFINED     1          117,200
PFIZER INC                 COM     717081103       30           750    SH     DEFINED                                          750
PHILIP MORRIS COMPANIES    COM     718154107    1,836        40,050    SH     DEFINED     2           40,050
PHILIP MORRIS COMPANIES    COM     718154107      360         7,853    SH     DEFINED     2              800      7,053
PHILIP MORRIS COMPANIES    COM     718154107      224         4,890    SH     DEFINED     1            4,890
PHILIP MORRIS COMPANIES    COM     718154107      234         5,100    SH     DEFINED     1                         300      4,800
PHILIP MORRIS COMPANIES    COM     718154107       27           580    SH     DEFINED                                          580
PPG INDUSTRIES, INC        COM     693506107       83         1,600    SH     DEFINED     2            1,600
PPG INDUSTRIES, INC        COM     693506107      212         4,100    SH     DEFINED     2                       4,100
PPG INDUSTRIES, INC        COM     693506107      331         6,400    SH     DEFINED     1            6,400
PPG INDUSTRIES, INC        COM     693506107      207         4,000    SH     DEFINED     1            4,000
PREFERRED LAND CORP (GE    COM     629994104        0        15,000    SH     DEFINED     1           15,000
PREPAID LEGAL SERVICES     COM     740065107      534        24,369    SH     DEFINED     1           24,369
PRICE T ROWE GROUP INCO    COM     74144T108        7           200    SH     DEFINED     2              200
PRICE T ROWE GROUP INCO    COM     74144T108      219         6,300    SH     DEFINED     2                       6,300
PRICE T ROWE GROUP INCO    COM     74144T108      235         6,774    SH     DEFINED                  6,774
PROCTER & GAMBLE CO        COM     742718109    3,363        42,500    SH     DEFINED     1           42,500
PROCTOR & GAMBLE           COM     742718109    2,160        27,299    SH     DEFINED     2           27,299
PROCTOR & GAMBLE           COM     742718109      388         4,900    SH     DEFINED     2              600      4,300
PROCTOR & GAMBLE           COM     742718109    2,796        35,333    SH     DEFINED     1           34,683                   650
PROCTOR & GAMBLE           COM     742718109       16           200    SH     DEFINED     1                         200
PROCTOR & GAMBLE           COM     742718109    1,144        14,454    SH     DEFINED                 14,454
PROCTOR & GAMBLE           COM     742718109       30           385    SH     DEFINED                               385
PROGRESS ENERGY INC        COM     743263105      248         5,498    SH     DEFINED     1            5,498
PROGRESS ENERGY INC        COM     743263105       63         1,399    SH     DEFINED     1                       1,399
PROVIDIAN FINANCIAL COR    COM     74406A102       50        14,037    SH     DEFINED                 14,037
QUALCOMM INC               COM     747525103       30           600    SH     DEFINED                                          600
QWEST COMMUNICATIONS, I    COM     749121109      114         8,067    SH     DEFINED     1            4,937                 3,130
QWEST COMMUNICATIONS, I    COM     749121109       88         6,262    SH     DEFINED     1            6,262
RAYMOND JAMES ADVISORY     COM     M00115523    2,146             1    SH     DEFINED     1                1
REGIONS FINANCIAL CORP     COM     758940100    1,501        50,134    SH     DEFINED     1           50,134
REPUBLIC BANCSHARES INC    COM     759929102       43         3,303    SH     DEFINED                                        3,303
ROUSE COMPANY              COM     779273101    2,415        82,465    SH     DEFINED     2           82,465
ROYAL BANCSHARES OF PA     COM     780081105       75         3,716    SH     DEFINED                                        3,716
ROYAL DUTCH PETROLEUM C    COM     780257804      157         3,200    SH     DEFINED     2            3,200
ROYAL DUTCH PETROLEUM C    COM     780257804      216         4,400    SH     DEFINED     2                       4,400
ROYAL DUTCH PETROLEUM C    COM     780257804    1,667        34,005    SH     DEFINED     1           30,805                 3,200
ROYAL DUTCH PETROLEUM C    COM     780257804      216         4,400    SH     DEFINED     1                       4,400
ROYAL DUTCH PETROLEUM C    COM     780257804      292         5,959    SH     DEFINED                  5,959
ROYAL DUTCH PETROLEUM C    COM     780257804        8           173    SH     DEFINED                               173
ROYAL DUTCH PETRO-NY       COM     780257804    2,592        52,875    SH     DEFINED     1           52,875
S1 CORPORATION             COM     78463B101       16         1,000    SH     DEFINED                                        1,000
SANFILIPPO JOHN B & SON    COM     800422107      384        72,110    SH     DEFINED                 72,110
SARA LEE CORPORATION       COM     803111103      216         9,727    SH     DEFINED     2            9,727
SARA LEE CORPORATION       COM     803111103       64         2,900    SH     DEFINED     2                       2,900
SARA LEE CORPORATION       COM     803111103      593        26,686    SH     DEFINED     1           26,686
SARA LEE CORPORATION       COM     803111103      349        15,695    SH     DEFINED     1            8,000                 7,695
SBC COMMUNICATIONS IN      COM     78387G103    4,055       103,519    SH     DEFINED     1          103,519
SBC COMMUNICATIONS, INC    COM     78387G103    2,004        51,167    SH     DEFINED     2           51,167
SBC COMMUNICATIONS, INC    COM     78387G103      324         8,273    SH     DEFINED     2              400      7,873
SBC COMMUNICATIONS, INC    COM     78387G103    3,861        98,583    SH     DEFINED     1           94,348                 4,235
SBC COMMUNICATIONS, INC    COM     78387G103      916        23,395    SH     DEFINED     1           12,958      8,743      1,694
SBC COMMUNICATIONS, INC    COM     78387G103    1,369        34,959    SH     DEFINED                 34,959
SBC COMMUNICATIONS, INC    COM     78387G103       36           910    SH     DEFINED                               910
SCHERING PLOUGH CORP.      COM     806605101      509        14,200    SH     DEFINED     2           14,200
SCHERING PLOUGH CORP.      COM     806605101      158         4,400    SH     DEFINED     2                       4,400
SCHERING PLOUGH CORP.      COM     806605101    2,211        61,754    SH     DEFINED     1           61,679                    75
SCHERING PLOUGH CORP.      COM     806605101      215         6,000    SH     DEFINED     1            6,000
SCHERING PLOUGH CORP.      COM     806605101    1,367        38,160    SH     DEFINED                 38,160
SCHLUMBERGER LTD           COM     806857108      613        11,162    SH     DEFINED     2           11,162
SCHLUMBERGER LTD           COM     806857108      132         2,400    SH     DEFINED     2                       2,400
SCHLUMBERGER LTD           COM     806857108    2,731        49,691    SH     DEFINED     1           49,566                   125
SCHLUMBERGER LTD           COM     806857108      195         3,545    SH     DEFINED     1            3,545
SCHLUMBERGER LTD           COM     806857108      666        12,114    SH     DEFINED                 11,667                   447
SCHLUMBERGER LTD           COM     806857108       10           175    SH     DEFINED                               175
SCHLUMBERGER LTD           COM     806857108    3,234        58,850    SH     DEFINED     1           58,850
SCHOLASTIC CORPORATION     COM     807066105      408         8,102    SH     DEFINED     1            8,102
SEARS ROEBUCK & CO         COM     812387108      269         5,651    SH     DEFINED                  5,651
SERVICEMASTER CO           COM     81760N109      681        49,333    SH     DEFINED     1                      49,333
SHONEYS INC                COM     825039100        3        10,000    SH     DEFINED                                       10,000
SHONEYS,INC.               COM     825039100      136       503,100    SH     DEFINED     1          503,100
SHONEYS,INC.               COM     825039100        0         1,080    SH     DEFINED     1            1,080
SONOCO PRODUCTS COMPANY    COM     835495102      297        11,180    SH     DEFINED                 11,180
SOUTHERN CO                COM     842587107    3,975       156,800    SH     DEFINED     1          156,800
SOUTHERN COMPANY           COM     842587107      483        19,070    SH     DEFINED     2           19,070
SOUTHERN COMPANY           COM     842587107      342        13,490    SH     DEFINED     2                      13,490
SOUTHERN COMPANY           COM     842587107    3,992       157,472    SH     DEFINED     1          156,472                 1,000
SOUTHERN COMPANY           COM     842587107      336        13,238    SH     DEFINED     1            8,248      4,990
SOUTHERN COMPANY           COM     842587107      694        27,373    SH     DEFINED                 27,373
SOUTHERN COMPANY           COM     842587107      170         6,705    SH     DEFINED                             6,705
SOUTHTRUST CORPORATIO      COM     844730101    2,934       118,950    SH     DEFINED     1          118,950
SOUTHTRUST CORPORATION     COM     844730101      437        17,700    SH     DEFINED     2           17,700
SOUTHTRUST CORPORATION     COM     844730101       12           500    SH     DEFINED     2                         500
SOUTHTRUST CORPORATION     COM     844730101    2,480       100,516    SH     DEFINED     1          100,516
SOUTHTRUST CORPORATION     COM     844730101      332        13,446    SH     DEFINED     1                      13,446
SPRINGWOOD RES INC         COM     851903104        0        30,000    SH     DEFINED     2           30,000
SPRINT CORPORATION SERI    COM     852061506      235         9,618    SH     DEFINED     1            8,298                 1,320
SPRINT CORPORATION SERI    COM     852061506       98         4,000    SH     DEFINED     1            4,000
SPRINT, CORP               COM     852061100      375        18,689    SH     DEFINED     1           14,589                 4,100
SPRINT, CORP               COM     852061100      161         8,000    SH     DEFINED     1            8,000
ST JOE PAPER               COM     790148100       28         1,015    SH     DEFINED                                        1,015
STANDARD AND POORS TRUS    COM     78462F103      408         3,568    SH     DEFINED                  3,568
STEELCASE INC. CLASS B     COM     858155401      219        12,857    SH     DEFINED                 12,857
STERLING FINL CORP         COM     859319105        7           484    SH     DEFINED                                          484
STRATEGIC TECHNOLOGIES,    COM     786991109        0        38,000    SH     DEFINED     1           38,000
SUMMIT BANK CORPORATION    COM     866013105      250        18,000    SH     DEFINED     1           18,000
SUN MICROSYSTEMS INC       COM     866810104    1,796       146,000    SH     DEFINED     1          146,000
SUN MICROSYSTEMS INC       COM     866810104       20         1,600    SH     DEFINED                                        1,600
SUN MICROSYSTEMS, INC.     COM     866810104      552        44,884    SH     DEFINED     2           44,884
SUN MICROSYSTEMS, INC.     COM     866810104      102         8,275    SH     DEFINED     2                       7,475        800
SUN MICROSYSTEMS, INC.     COM     866810104    1,557       126,617    SH     DEFINED     1          125,867                   750
SUN MICROSYSTEMS, INC.     COM     866810104      122         9,952    SH     DEFINED     1            6,056      3,896
SUN MICROSYSTEMS, INC.     COM     866810104    1,232       100,153    SH     DEFINED                100,153
SUN MICROSYSTEMS, INC.     COM     866810104        2           200    SH     DEFINED                               200
SUNTRUST BANKS INC         COM     867914103    1,838        29,322    SH     DEFINED     2           29,322
SUNTRUST BANKS INC         COM     867914103      224         3,572    SH     DEFINED     2                       3,140        432
SUNTRUST BANKS INC         COM     867914103   14,670       233,967    SH     DEFINED     1          233,967
SUNTRUST BANKS INC         COM     867914103      376         5,996    SH     DEFINED     1            1,000      4,996
SYNOVUS FINANCIAL CORP.    COM     87161C105   16,196       646,529    SH     DEFINED     2          646,529
SYNOVUS FINANCIAL CORP.    COM     87161C105      646        25,771    SH     DEFINED     2           25,771
SYNOVUS FINANCIAL CORP.    COM     87161C105  887,757    35,439,389    SH     DEFINED     1       34,737,114     37,150    665,125
SYNOVUS FINANCIAL CORP.    COM     87161C105   21,330       851,486    SH     DEFINED     1           15,650    715,743    120,093
SYNOVUS FINANCIAL CORP.    COM     87161C105    4,132       164,933    SH     DEFINED                 70,170     38,451     56,312
SYNOVUS FINANCIAL CORP.    COM     87161C105    5,299       211,542    SH     DEFINED                211,542
SYSCO CORP                 COM     871829107      302        11,500    SH     DEFINED     1           11,500
TARGET CORP                COM     87612E106    1,215        29,600    SH     DEFINED     2           29,600
TARGET CORP                COM     87612E106      419        10,200    SH     DEFINED     2              700      9,500
TARGET CORP                COM     87612E106    3,746        91,260    SH     DEFINED     1           89,940                 1,320
TARGET CORP                COM     87612E106        8           205    SH     DEFINED     1              205
TARGET CORP                COM     87612E106    1,251        30,479    SH     DEFINED                 30,479
TARGET CORP                COM     87612E106       22           525    SH     DEFINED                               525
TARGET CORP                COM     87612E106    5,595       136,300    SH     DEFINED     1          136,300
TECO ENERGY INC.           COM     872375100      450        17,162    SH     DEFINED     2           17,162
TECO ENERGY INC.           COM     872375100      192         7,300    SH     DEFINED     2            7,300
TELLABS INC                COM     879664100    2,060       137,700    SH     DEFINED     1          137,700
TELLABS, INC. DELEWARE     COM     879664100      990        66,180    SH     DEFINED     1           65,780                   400
TELLABS, INC. DELEWARE     COM     879664100       22         1,480    SH     DEFINED     1            1,480
TELLABS, INC. DELEWARE     COM     879664100      237        15,847    SH     DEFINED                 15,847
TELLABS, INC. DELEWARE     COM     879664100        4           250    SH     DEFINED                               250
TEXAS INSTRUMENTS INC      COM     882508104      464        16,575    SH     DEFINED     2           16,575
TEXAS INSTRUMENTS INC      COM     882508104       11           400    SH     DEFINED     2                         400
TEXAS INSTRUMENTS INC      COM     882508104      814        29,070    SH     DEFINED     1           27,470                 1,600
TEXAS INSTRUMENTS INC      COM     882508104       79         2,804    SH     DEFINED     1            1,154      1,650
TEXAS INSTRUMENTS INC      COM     882508104      291        10,375    SH     DEFINED                 10,375
THE QUINCY STATE BANK      COM     M00081717    6,954        84,562    SH     DEFINED     2           84,562
THE QUINCY STATE BANK      COM     M00081733    3,967       154,027    SH     DEFINED     2          154,027
TOMPKINS TRUST CO INC      COM     890110109      100         2,475    SH     DEFINED                                        2,475
TORCHMARK CORPORATION      COM     891027104      315         8,008    SH     DEFINED     2                       8,008
TORCHMARK CORPORATION      COM     891027104      882        22,437    SH     DEFINED     1           22,437
TOTAL SYSTEM SERVICES,     COM     891906109   40,794     1,926,074    SH     DEFINED     1        1,886,523                39,551
TOTAL SYSTEM SERVICES,     COM     891906109    5,059       238,840    SH     DEFINED     1                     232,440      6,400
TOTAL SYSTEM SERVICES,     COM     891906109       32         1,500    SH     DEFINED                                        1,500
TOTAL TECHNOLOGY PARTNE    COM     M00114963      502     1,300,000    SH     DEFINED     1        1,300,000
TRICON GLOBAL RESTAUR      COM     895953107    1,432        29,100    SH     DEFINED     1           29,100
TYCO INTERNATIONAL LIMI    COM     902124106    1,608        27,294    SH     DEFINED     2           27,294
TYCO INTERNATIONAL LIMI    COM     902124106      436         7,400    SH     DEFINED     2              200      7,200
TYCO INTERNATIONAL LIMI    COM     902124106    3,575        60,702    SH     DEFINED     1           60,127                   575
TYCO INTERNATIONAL LIMI    COM     902124106      849        14,413    SH     DEFINED                 14,413
TYCO INTERNATIONAL LIMI    COM     902124106        6           100    SH     DEFINED                               100
TYCO INTERNATIONAL LIMI    COM     902124106    5,955       101,100    SH     DEFINED     1          101,100
TYCO INTERNATIONAL LIMI    COM     902124106       29           500    SH     DEFINED                                          500
U S BANCORP DEL COM        COM     902973304       10           489    SH     DEFINED                                          489
U S BANCORP DEL COM        COM     902973304      640        30,558    SH     DEFINED     1           30,558
U S BANCORP DEL COM        COM     902973304      110         5,239    SH     DEFINED     1                       4,560        679
UNITED TECHNOLOGIES C      COM     913017109    3,597        55,650    SH     DEFINED     1           55,650
UNITED TECHNOLOGIES COR    COM     913017109      389         6,026    SH     DEFINED     2            6,026
UNITED TECHNOLOGIES COR    COM     913017109       65         1,000    SH     DEFINED     2                       1,000
UNITED TECHNOLOGIES COR    COM     913017109    2,330        36,055    SH     DEFINED     1           35,830                   225
UNITED TECHNOLOGIES COR    COM     913017109       16           250    SH     DEFINED     1              100        150
UNITED TECHNOLOGIES COR    COM     913017109      468         7,243    SH     DEFINED                  6,868                   375
UNITED TECHNOLOGIES COR    COM     913017109        3            50    SH     DEFINED                                50
VERIZON COMMUNICATION      COM     92343V104    3,600        75,862    SH     DEFINED     1           75,862
VERIZON COMMUNICATIONS     COM     92343V104    2,085        43,931    SH     DEFINED     2           43,931
VERIZON COMMUNICATIONS     COM     92343V104      410         8,643    SH     DEFINED     2              900      7,107        636
VERIZON COMMUNICATIONS     COM     92343V104    7,069       148,937    SH     DEFINED     1          148,310                   627
VERIZON COMMUNICATIONS     COM     92343V104    1,278        26,920    SH     DEFINED     1           10,083     15,499      1,338
VERIZON COMMUNICATIONS     COM     92343V104      610        12,857    SH     DEFINED                 12,857
VERIZON COMMUNICATIONS     COM     92343V104      113         2,382    SH     DEFINED                  2,332         50
VIACOM INC NON-VOTING C    COM     925524308       22           496    SH     DEFINED     1              496
VIACOM INC NON-VOTING C    COM     925524308      383         8,680    SH     DEFINED     1            8,680
VIVENDI UNIVERSAL SPONS    COM     92851S204      241         4,480    SH     DEFINED     2            4,480
VIVENDI UNIVERSAL SPONS    COM     92851S204      161         3,000    SH     DEFINED     2                       3,000
VODAFONE GROUP PLC SPON    COM     92857W100      371        14,457    SH     DEFINED     1           14,457
VODAFONE GROUP PLC SPON    COM     92857W100       35         1,360    SH     DEFINED     1                       1,360
WACHOVIA CORP 2ND NEW      COM     929903102      174         5,554    SH     DEFINED     2            5,554
WACHOVIA CORP 2ND NEW      COM     929903102      326        10,400    SH     DEFINED     2              400     10,000
WACHOVIA CORP 2ND NEW      COM     929903102    3,300       105,244    SH     DEFINED     1          104,394                   850
WACHOVIA CORP 2ND NEW      COM     929903102      775        24,720    SH     DEFINED     1            5,000      9,852      9,868
WADDELL AND REED FINANC    COM     930059100      339        10,523    SH     DEFINED     1           10,523
WALGREEN COMPANY           COM     931422109      271         8,046    SH     DEFINED     2            8,046
WALGREEN COMPANY           COM     931422109       30           900    SH     DEFINED     2                         900
WAL-MART STORES            COM     931142103    3,833        66,600    SH     DEFINED     1           66,600
WAL-MART STORES, INC.      COM     931142103    4,027        69,982    SH     DEFINED     2           69,982
WAL-MART STORES, INC.      COM     931142103      432         7,500    SH     DEFINED     2                       7,500
WAL-MART STORES, INC.      COM     931142103    4,445        77,234    SH     DEFINED     1           77,134                   100
WAL-MART STORES, INC.      COM     931142103      927        16,101    SH     DEFINED     1            7,185      7,696      1,220
WAL-MART STORES, INC.      COM     931142103    3,095        53,780    SH     DEFINED                 53,780
WALT DISNEY COMPANY HOL    COM     254687106      828        39,960    SH     DEFINED     2           39,960
WALT DISNEY COMPANY HOL    COM     254687106      130         6,265    SH     DEFINED     2              400      5,865
WALT DISNEY COMPANY HOL    COM     254687106    1,528        73,758    SH     DEFINED     1           73,033                   725
WALT DISNEY COMPANY HOL    COM     254687106      185         8,935    SH     DEFINED     1            7,000      1,935
WALT DISNEY COMPANY HOL    COM     254687106      652        31,485    SH     DEFINED                 31,485
WALT DISNEY COMPANY HOL    COM     254687106       15           705    SH     DEFINED                               705
WASHINGTON MUTUAL, INC.    COM     939322103       29           900    SH     DEFINED     2              900
WASHINGTON MUTUAL, INC.    COM     939322103      226         6,925    SH     DEFINED     2                       6,925
WEBSTER FINANCIAL CORP     COM     947890109       38         1,216    SH     DEFINED                                        1,216
WELLPOINT HEALTH NETWOR    COM     94973H108      375         3,210    SH     DEFINED     1            3,210
WELLS FARGO & CO.          COM     949746101       15           334    SH     DEFINED                                          334
WEYERHAEUSER CO            COM     962166104      344         6,353    SH     DEFINED     1            6,353
WEYERHAEUSER CO            COM     962166104      124         2,286    SH     DEFINED     1              330        325      1,631
WILSHIRE ST BANK           COM     97200A101       10           660    SH     DEFINED                                          660
WINN-DIXIE STORES, INC.    COM     974280109      102         7,132    SH     DEFINED     2            7,132
WINN-DIXIE STORES, INC.    COM     974280109      456        31,996    SH     DEFINED     2           31,996
WINN-DIXIE STORES, INC.    COM     974280109      454        31,832    SH     DEFINED     1           31,832
WINN-DIXIE STORES, INC.    COM     974280109       74         5,159    SH     DEFINED                  5,159
WINN-DIXIE STORES, INC.    COM     974280109       74         5,200    SH     DEFINED                  5,200
WORLDCOM INC. GA NEW       COM     98157D106       33         2,342    SH     DEFINED                                        2,342
WORLDCOM INC. GA NEW       COM     98157D106      510        36,225    SH     DEFINED     2           36,225
WORLDCOM INC. GA NEW       COM     98157D106      100         7,135    SH     DEFINED     2                       7,135
WORLDCOM INC. GA NEW       COM     98157D106    1,508       107,130    SH     DEFINED     1          105,230                 1,900
WORLDCOM INC. GA NEW       COM     98157D106        5           345    SH     DEFINED     1                         345
WORLDCOM INC. GA NEW       COM     98157D106      390        27,667    SH     DEFINED                 27,667
WORLDCOM INC. GA NEW       COM     98157D106        6           404    SH     DEFINED                               404
WORLDCOM INC-MCI GROUP     COM     98157D304        1            97    SH     DEFINED                                           97
WORLDCOM INC-WORLDCOM      COM     98157D106    2,201       156,350    SH     DEFINED     1          156,350
ZIMMER HOLDINGS INC.       COM     98956P102       77         2,520    SH     DEFINED     1            2,520
ZIMMER HOLDINGS INC.       COM     98956P102      154         5,029    SH     DEFINED     1            4,083        666        280