UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    Form 13F

                               Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: March 31, 2002

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                    May  9, 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:            780

Form 13F Information Table Value Total:      2,726,770
                                           (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        3,503       66,600   SH    DEFINED      1      66,600
ABBOTT LABS                    COM  002824100        1,439       27,358   SH    DEFINED      2      27,358
ABBOTT LABS                    COM  002824100          473        9,000   SH    DEFINED      2                9,000
ABBOTT LABS                    COM  002824100        2,559       48,648   SH    DEFINED      1      48,448                  200
ABBOTT LABS                    COM  002824100          553       10,520   SH    DEFINED      1       3,750    6,770
ABBOTT LABS                    COM  002824100        1,091       20,739   SH    DEFINED             20,739
ABBOTT LABS                    COM  002824100            3           50   SH    DEFINED                          50
ACCESS ANYTIME BANCORP         COM  00431F105           45        5,160   SH    DEFINED                                   5,160
AFLAC, INCORPORATED            COM  001055102           15          504   SH    DEFINED                                     504
AFLAC, INCORPORATED            COM  001055102        4,977      168,700   SH    DEFINED      1     168,700
AFLAC, INCORPORATED            COM  001055102          898       30,450   SH    DEFINED      2      30,450
AFLAC, INCORPORATED            COM  001055102           50        1,685   SH    DEFINED      2                1,685
AFLAC, INCORPORATED            COM  001055102       27,464      930,979   SH    DEFINED      1     927,689                3,290
AFLAC, INCORPORATED            COM  001055102        5,510      186,792   SH    DEFINED      1      25,038  161,754
AFLAC, INCORPORATED            COM  001055102          390       13,237   SH    DEFINED             13,237
AFLAC, INCORPORATED            COM  001055102            3          100   SH    DEFINED                         100
AGERE SYSTEM, INC.             COM  00845V100           39       10,000   SH    DEFINED      1      10,000
AGILENT TECHNOLOGIES, IN       COM  00846U101          233        6,667   SH    DEFINED      1       6,667
AGILENT TECHNOLOGIES, IN       COM  00846U101           11          307   SH    DEFINED      1          72      235
ALCOA INC                      COM  013817101          560       14,840   SH    DEFINED      1      14,840
ALCOA INC                      COM  013817101          268        7,106   SH    DEFINED      1                2,306       4,800
ALLIANCE BANCORP OF NEW ENG    COM  01852Q109           43        3,000   SH    DEFINED                                   3,000
ALLSTATE CORPORATION           COM  020002101          396       10,476   SH    DEFINED             10,476
ALLTEL CORPORATION             COM  020039103          290        5,216   SH    DEFINED      2       5,216
ALLTEL CORPORATION             COM  020039103           95        1,703   SH    DEFINED      2       1,400      200         103
ALLTEL CORPORATION             COM  020039103          321        5,784   SH    DEFINED      1       5,534                  250
ALLTEL CORPORATION             COM  020039103          272        4,896   SH    DEFINED              4,896
AMERICAN ELECTRIC POWER,       COM  025537101          282        6,129   SH    DEFINED      2       6,129
AMERICAN ELECTRIC POWER,       COM  025537101           42          914   SH    DEFINED      2         114      800
AMERICAN ELECTRIC POWER,       COM  025537101          476       10,336   SH    DEFINED      1      10,336
AMERICAN ELECTRIC POWER,       COM  025537101          127        2,759   SH    DEFINED      1                2,759
AMERICAN EXPRESS COMPANY       COM  025816109          466       11,381   SH    DEFINED      1      11,381
AMERICAN EXPRESS COMPANY       COM  025816109          604       14,750   SH    DEFINED      1       8,000    2,100       4,650
AMERICAN GENERAL AIRCRAF       COM  026358994            0       13,000   SH    DEFINED      1      13,000
AMERICAN INTERNATIONAL G       COM  026874107        1,629       22,576   SH    DEFINED      2      22,126                  450
AMERICAN INTERNATIONAL G       COM  026874107          295        4,094   SH    DEFINED      2                4,094
AMERICAN INTERNATIONAL G       COM  026874107        2,282       31,632   SH    DEFINED      1      31,307                  325
AMERICAN INTERNATIONAL G       COM  026874107           20          275   SH    DEFINED      1         275
AMERICAN INTERNATIONAL G       COM  026874107          881       12,210   SH    DEFINED             12,210
AMERICAN INTERNATIONAL G       COM  026874107           11          154   SH    DEFINED                         154
AMERICAN INTERNATIONAL GRO     COM  026874107        4,552       63,100   SH    DEFINED      1      63,100
AMERICANWEST BANCORPORATION    COM  03058P109           30        2,414   SH    DEFINED                                   2,414
AMGEN INC                      COM  031162100          304        5,100   SH    DEFINED      2       5,100
AMGEN INC                      COM  031162100          151        2,535   SH    DEFINED      2                2,535
AMGEN INC                      COM  031162100          611       10,240   SH    DEFINED      1      10,240
AMGEN INC                      COM  031162100          734       12,305   SH    DEFINED      1      12,305
AMGEN INC                      COM  031162100          449        7,517   SH    DEFINED              7,517
AMGEN INC                      COM  031162100           31          520   SH    DEFINED                         520
AMGEN INC                      COM  031162100           54          900   SH    DEFINED                                     900
AMSOUTH BANCORPORATION         COM  032165102          482       21,907   SH    DEFINED             21,907
AMSOUTH BANCORPORATION         COM  032165102          325       14,785   SH    DEFINED                      14,785
ANCHOR BANCORP WIS INC         COM  032839102           35        1,760   SH    DEFINED                                   1,760
ANHEUSER BUSCH COMPANIES       COM  035229103          632       12,100   SH    DEFINED      2      12,100
ANHEUSER BUSCH COMPANIES       COM  035229103          313        6,000   SH    DEFINED      2                4,800       1,200
ANHEUSER BUSCH COMPANIES       COM  035229103          752       14,415   SH    DEFINED      1      14,140                  275
ANHEUSER BUSCH COMPANIES       COM  035229103          533       10,218   SH    DEFINED      1       8,480                1,738
ANHEUSER BUSCH COMPANIES       COM  035229103          306        5,859   SH    DEFINED              5,859
ANHEUSER BUSCH COMPANIES       COM  035229103        2,735       52,400   SH    DEFINED      1      52,400
AOL TIME WARNER INC            COM  00184A105        3,600      152,200   SH    DEFINED      1     152,200
AOL TIME WARNER INC            COM  00184A105           12          500   SH    DEFINED                                     500
AOL TIME WARNER, INC           COM  00184A105          684       28,940   SH    DEFINED      2      28,440                  500
AOL TIME WARNER, INC           COM  00184A105          133        5,613   SH    DEFINED      2                5,475         138
AOL TIME WARNER, INC           COM  00184A105        1,822       77,043   SH    DEFINED      1      77,043
AOL TIME WARNER, INC           COM  00184A105          190        8,019   SH    DEFINED      1       6,480                1,539
AOL TIME WARNER, INC           COM  00184A105          609       25,748   SH    DEFINED             25,748
AOL TIME WARNER, INC           COM  00184A105           13          550   SH    DEFINED                         550
APPLIED MATERIALS INC          COM  038222105          322        5,925   SH    DEFINED      1       5,925
APPLIED MATERIALS INC          COM  038222105           12          225   SH    DEFINED      1         225
ARCH COAL, INC.                COM  039380100          650       30,408   SH    DEFINED      2      30,408
ARCHER-DANIELS-MIDLAND C       COM  039483102          169       12,102   SH    DEFINED      1      12,102
ASHLAND INC                    COM  044204105        7,777      170,880   SH    DEFINED      2     170,880
AT&T CORP                      COM  001957109          425       27,056   SH    DEFINED      2      27,056
AT&T CORP                      COM  001957109          192       12,243   SH    DEFINED      2         450   11,793
AT&T CORP                      COM  001957109          685       43,650   SH    DEFINED      1      42,650                1,000
AT&T CORP                      COM  001957109          301       19,181   SH    DEFINED      1      15,597    3,059         525
AT&T CORP                      COM  001957109          319       20,316   SH    DEFINED             20,316
AT&T CORP                      COM  001957109           29        1,860   SH    DEFINED              1,350      510
AT&T CORP.                     COM  001957109           18        1,150   SH    DEFINED                                   1,150
AT&T WIRELESS SERVICES I       COM  00209A106           83        9,220   SH    DEFINED      2       9,220
AT&T WIRELESS SERVICES I       COM  00209A106           55        6,095   SH    DEFINED      2                6,095
AT&T WIRELESS SERVICES I       COM  00209A106          118       13,188   SH    DEFINED      1      13,084                  104
AT&T WIRELESS SERVICES I       COM  00209A106           55        6,169   SH    DEFINED      1       5,019      982         168
AUTOMATIC DATA PROCESSIN       COM  053015103        1,401       24,046   SH    DEFINED      2      23,746                  300
AUTOMATIC DATA PROCESSIN       COM  053015103          465        7,985   SH    DEFINED      2         300    7,685
AUTOMATIC DATA PROCESSIN       COM  053015103          975       16,735   SH    DEFINED      1      16,735
AUTOMATIC DATA PROCESSIN       COM  053015103          265        4,550   SH    DEFINED      1         150                4,400
AUTOMATIC DATA PROCESSIN       COM  053015103          404        6,941   SH    DEFINED              6,941
AUTOMATIC DATA PROCESSIN       COM  053015103            1           25   SH    DEFINED                          25
AUTOMATIC DATA PROCESSIN       COM  053015103          658       11,300   SH    DEFINED      1      11,300
AVERY DENNISON CORPORATI       COM  053611109          307        5,032   SH    DEFINED      2                5,032
BANCFIRST CORP                 COM  05945f103           31          800   SH    DEFINED                                     800
BANK OF AMERICA CORP           COM  060505104        7,450      109,526   SH    DEFINED      2     109,526
BANK OF AMERICA CORP           COM  060505104        4,484       65,920   SH    DEFINED      2               63,663       2,257
BANK OF AMERICA CORP           COM  060505104        7,571      111,303   SH    DEFINED      1      91,135               20,168
BANK OF AMERICA CORP           COM  060505104          930       13,666   SH    DEFINED      1       1,488   10,331       1,847
BANK OF AMERICA CORP           COM  060505104        3,467       50,963   SH    DEFINED             50,963
BANK OF AMERICA CORP           COM  060505104          173        2,544   SH    DEFINED                       2,544
BANK ONE CORPORATION           COM  06423A103          100        2,400   SH    DEFINED      2       2,400
BANK ONE CORPORATION           COM  06423A103          133        3,183   SH    DEFINED      2                3,183
BANK ONE CORPORATION           COM  06423A103          271        6,496   SH    DEFINED      1       6,496
BANK ONE CORPORATION           COM  06423A103           38          912   SH    DEFINED      1                  912
BAR HARBOUR BANKSHARES         COM  066849100            4          250   SH    DEFINED                                     250
BAXTER INTERNATIONAL, IN       COM  071813109        2,387       40,100   SH    DEFINED      1      40,100
BAXTER INTERNATIONAL, IN       COM  071813109          345        5,788   SH    DEFINED      2       5,788
BAXTER INTERNATIONAL, IN       COM  071813109          179        3,000   SH    DEFINED      2                3,000
BAXTER INTERNATIONAL, IN       COM  071813109          728       12,233   SH    DEFINED      1      12,233
BAXTER INTERNATIONAL, IN       COM  071813109          174        2,915   SH    DEFINED      1         315    1,000       1,600
BAXTER INTERNATIONAL, IN       COM  071813109          482        8,103   SH    DEFINED              8,103
BB & T CORPORATION             COM  054937107        1,405       36,867   SH    DEFINED      1      35,387                1,480
BB & T CORPORATION             COM  054937107          764       20,041   SH    DEFINED             20,041
BELLSOUTH CORPORATION          COM  079860102        3,206       86,980   SH    DEFINED      2      86,530                  450
BELLSOUTH CORPORATION          COM  079860102          765       20,760   SH    DEFINED      2       6,880   13,880
BELLSOUTH CORPORATION          COM  079860102        3,861      104,760   SH    DEFINED      1      96,850                7,910
BELLSOUTH CORPORATION          COM  079860102        1,874       50,844   SH    DEFINED      1       6,291   40,404       4,149
BELLSOUTH CORPORATION          COM  079860102          788       21,387   SH    DEFINED             21,207                  180
BELLSOUTH CORPORATION          COM  079860102          303        8,220   SH    DEFINED              2,400    5,820
BERKSHIRE HATHAWAY INC         COM  084670207          154           65   SH    DEFINED      2          65
BERKSHIRE HATHAWAY INC         COM  084670207           59           25   SH    DEFINED      2                   25
BERKSHIRE HATHAWAY INC         COM  084670108        2,702           38   SH    DEFINED      1          38
BMC SOFTWARE INC               COM  055921100           19        1,000   SH    DEFINED                                   1,000
BNC CORP INC                   COM  055936108           28        3,400   SH    DEFINED                                   3,400
BOLLINGER INDUSTRIES INC       COM  097676100           21      138,000   SH    DEFINED      1     138,000
BOSTONFED BANCORP INC          COM  101178101           58        2,300   SH    DEFINED                                   2,300
BP P.L.C.                      COM  055622104          213        4,016   SH    DEFINED              4,016
BP P.L.C.                      COM  055622104          816       15,372   SH    DEFINED      2      15,372
BP P.L.C.                      COM  055622104          116        2,180   SH    DEFINED      2         396    1,784
BP P.L.C.                      COM  055622104        2,553       48,070   SH    DEFINED      1      46,334                1,736
BP P.L.C.                      COM  055622104          503        9,480   SH    DEFINED      1                4,950       4,530
BP P.L.C.                      COM  055622104          285        5,367   SH    DEFINED              5,269                   98
BP P.L.C.                      COM  055622104          416        7,832   SH    DEFINED                       7,832
BRISTOL MYERS SQUIBB COM       COM  110122108        1,458       36,000   SH    DEFINED      1      36,000
BRISTOL-MYERS SQUIBB COM       COM  110122108        1,412       34,877   SH    DEFINED      2      34,877
BRISTOL-MYERS SQUIBB COM       COM  110122108          582       14,380   SH    DEFINED      2               14,380
BRISTOL-MYERS SQUIBB COM       COM  110122108        1,245       30,736   SH    DEFINED      1      30,036      700
BRISTOL-MYERS SQUIBB COM       COM  110122108          702       17,333   SH    DEFINED      1       7,740    6,668       2,925
BRISTOL-MYERS SQUIBB COM       COM  110122108          985       24,324   SH    DEFINED             24,324
BRISTOL-MYERS SQUIBB COM       COM  110122108           49        1,200   SH    DEFINED                       1,200
BUSINESS BANCORP NEW           COM  12323X102           84        5,928   SH    DEFINED                                   5,928
C & F FINANCIAL CORP           COM  12466Q104            8          360   SH    DEFINED                                     360
CAMDEN NATL CORP               COM  133034108           28        1,200   SH    DEFINED                                   1,200
CANADIAN NATIONAL              COM  136375102          966       19,345   SH    DEFINED      1      19,345
CANADIAN NATIONAL              COM  136375102            9          175   SH    DEFINED      1         175
CANADIAN NATIONAL              COM  136375102        2,406       48,150   SH    DEFINED      1      48,150
CAPITAL CITY BANK GROUP        COM  139674105          307       11,361   SH    DEFINED      1      11,361
CAPITAL CROSSING B             COM  140071101           43        1,925   SH    DEFINED                                   1,925
CASCADE BANCORP                COM  147154108           36        1,940   SH    DEFINED                                   1,940
CATHAY BANCORP INC             COM  149150104          102        1,420   SH    DEFINED                                   1,420
CCBT BANCORP INC               COM  12500Q102           38        1,400   SH    DEFINED                                   1,400
CENDANT CORP                   COM  151313103          129        6,702   SH    DEFINED                                   6,702
CERTEGY INC.                   COM  156880106          323        8,135   SH    DEFINED      1       8,135
CERTEGY INC.                   COM  156880106          199        5,000   SH    DEFINED      1       3,000                2,000
CHEVRONTEXACO CORPORATIO       COM  166764100        2,501       27,702   SH    DEFINED      2      27,502                  200
CHEVRONTEXACO CORPORATIO       COM  166764100          680        7,537   SH    DEFINED      2       1,500    6,037
CHEVRONTEXACO CORPORATIO       COM  166764100        1,697       18,800   SH    DEFINED      1      18,448                  352
CHEVRONTEXACO CORPORATIO       COM  166764100          365        4,038   SH    DEFINED      1       2,266    1,372         400
CHEVRONTEXACO CORPORATIO       COM  166764100          277        3,065   SH    DEFINED              2,865                  200
CHEVRONTEXACO CORPORATIO       COM  166764100          136        1,511   SH    DEFINED                462    1,049
CHITTENDEN CORP                COM  170228100           27          936   SH    DEFINED                                     936
CHUBB CORPORATION              COM  171232101        1,380       18,879   SH    DEFINED      1      18,879
CHUBB CORPORATION              COM  171232101        5,756       78,744   SH    DEFINED      1                1,744      77,000
CISCO SYS INC                  COM  17275R102           61        3,600   SH    DEFINED                                   3,600
CISCO SYSTEMS                  COM  17275R102        1,164       68,730   SH    DEFINED      2      67,730                1,000
CISCO SYSTEMS                  COM  17275R102          165        9,725   SH    DEFINED      2         600    9,125
CISCO SYSTEMS                  COM  17275R102        2,438      143,999   SH    DEFINED      1     140,374                3,625
CISCO SYSTEMS                  COM  17275R102          282       16,676   SH    DEFINED      1       6,886    9,790
CISCO SYSTEMS                  COM  17275R102        1,421       83,942   SH    DEFINED             83,942
CISCO SYSTEMS                  COM  17275R102           13          783   SH    DEFINED                         783
CISCO SYSTEMS                  COM  17275R102        2,958      174,700   SH    DEFINED      1     174,700
CITIGROUP INCORPORATED         COM  172967101           42          850   SH    DEFINED                                     850
CITIGROUP INCORPORATED         COM  172967101        1,348       27,212   SH    DEFINED      2      27,212
CITIGROUP INCORPORATED         COM  172967101          292        5,902   SH    DEFINED      2                5,902
CITIGROUP INCORPORATED         COM  172967101        3,298       66,598   SH    DEFINED      1      65,399                1,199
CITIGROUP INCORPORATED         COM  172967101        1,490       30,085   SH    DEFINED      1      10,499   19,313         273
CITIGROUP INCORPORATED         COM  172967101        1,483       29,948   SH    DEFINED             29,400                  548
CITIGROUP INCORPORATED         COM  172967101           32          646   SH    DEFINED                         646
CITIGROUP INCORPORATED         COM  172967101        5,437      109,800   SH    DEFINED      1     109,800
CITIZENS COMMUNICATIONS        COM  17453B101          198       18,429   SH    DEFINED      1      18,429
CITY NATIONAL CORP             COM  178566105           89        1,690   SH    DEFINED                                   1,690
CLOROX COMPANY                 COM  189054109            9          200   SH    DEFINED      2         200
CLOROX COMPANY                 COM  189054109          201        4,600   SH    DEFINED      2         600    4,000
COCA COLA COMPANY              COM  191216100           94        1,806   SH    DEFINED                                   1,806
COCA COLA COMPANY              COM  191216100      109,139    2,088,385   SH    DEFINED      2   2,087,185                1,200
COCA COLA COMPANY              COM  191216100        4,722       90,347   SH    DEFINED      2      75,000   15,347
COCA COLA COMPANY              COM  191216100      480,742    9,199,050   SH    DEFINED      1   9,157,003               42,047
COCA COLA COMPANY              COM  191216100       29,614      566,672   SH    DEFINED      1      80,230  474,841      11,601
COCA COLA COMPANY              COM  191216100        1,848       35,354   SH    DEFINED             35,354
COCA COLA COMPANY              COM  191216100           20          392   SH    DEFINED                         392
COCA-COLA COMPANY              COM  191216100        3,658       70,000   SH    DEFINED      1      70,000
COCA-COLA ENTERPRISES IN       COM  191219104       23,973    1,276,517   SH    DEFINED      1   1,276,517
COCA-COLA ENTERPRISES IN       COM  191219104        2,671      142,210   SH    DEFINED            142,210
COCA-COLA ENTERPRISES IN       COM  191219104          644       34,302   SH    DEFINED                      34,302
COLGATE PALMOLIVE COMPAN       COM  194162103        4,161       72,800   SH    DEFINED      1      72,800
COLGATE-PALMOLIVE COMPAN       COM  194162103        1,503       26,292   SH    DEFINED      2      26,292
COLGATE-PALMOLIVE COMPAN       COM  194162103           56          985   SH    DEFINED      2         400      585
COLGATE-PALMOLIVE COMPAN       COM  194162103        2,064       36,111   SH    DEFINED      1      35,911                  200
COLGATE-PALMOLIVE COMPAN       COM  194162103           17          295   SH    DEFINED      1         295
COLGATE-PALMOLIVE COMPAN       COM  194162103          946       16,554   SH    DEFINED             16,554
COLGATE-PALMOLIVE COMPAN       COM  194162103            9          150   SH    DEFINED                         150
COLONIAL PROPERTIES TRUS       COM  195872106           26          744   SH    DEFINED      1         744
COLONIAL PROPERTIES TRUS       COM  195872106          189        5,500   SH    DEFINED      1                5,500
COLUMBIA BANCORP               COM  197227101           39        2,254   SH    DEFINED                                   2,254
COMMUNITY BK SYS               COM  203607106           55        1,810   SH    DEFINED                                   1,810
COMPAQ COMPUTER CORP           COM  204493100          154       14,729   SH    DEFINED      1      13,941                  788
COMPAQ COMPUTER CORP           COM  204493100           63        6,060   SH    DEFINED      1       4,000    2,060
COMPAQ COMPUTERS               COM  204493100           21        2,000   SH    DEFINED                                   2,000
COMPASS BANCSHARES INC.        COM  20449H109          869       28,147   SH    DEFINED                      28,147
COMPASS BANKSHARES             COM  20449H109           15          495   SH    DEFINED                                     495
CONOCO INC. COMMON STOCK       COM  208251504          356       12,200   SH    DEFINED      2      12,200
CONOCO INC. COMMON STOCK       COM  208251504           13          450   SH    DEFINED      2                  450
CONOCO INC. COMMON STOCK       COM  208251504          733       25,115   SH    DEFINED      1      25,115
CONOCO INC. COMMON STOCK       COM  208251504          292       10,000   SH    DEFINED      1      10,000
CONOCO INCORPORATED            COM  208251504        1,567       53,700   SH    DEFINED      1      53,700
CONSOLIDATED EDISON INCO       COM  209115104          226        5,398   SH    DEFINED      2       5,398
CONSOLIDATED EDISON INCO       COM  209115104           54        1,300   SH    DEFINED      2                1,300
CORPAS INVESTMENTS, INC.       COM  21986N103            0       13,333   SH    DEFINED      1      13,333
COUSINS PROPERTIES INCOR       COM  222795106           98        3,750   SH    DEFINED      1       3,750
COUSINS PROPERTIES INCOR       COM  222795106          391       15,000   SH    DEFINED      1       3,000   12,000
CVB FINANCIAL CORP             COM  126600105          117        5,796   SH    DEFINED                                   5,796
DARDEN RESTAURANTS INC         COM  237194105        1,522       37,502   SH    DEFINED      1      37,502
DARDEN RESTAURANTS INC         COM  237194105          248        6,100   SH    DEFINED      1                6,100
DELL COMPUTER CORPORATION      COM  247025109           20          750   SH    DEFINED                                     750
DELL COMPUTER CORPORATION      COM  247025109          195        7,480   SH    DEFINED      2       7,480
DELL COMPUTER CORPORATION      COM  247025109           14          525   SH    DEFINED      2                  525
DELL COMPUTER CORPORATION      COM  247025109        1,085       41,559   SH    DEFINED      1      40,559                1,000
DELL COMPUTER CORPORATION      COM  247025109           12          460   SH    DEFINED      1         460
DELL COMPUTER CORPORATION      COM  247025109          411       15,752   SH    DEFINED             15,752
DELL COMPUTER CORPORATION      COM  247025109            1           50   SH    DEFINED                          50
DELL COMPUTER CORPORATION      COM  247025109        2,778      106,400   SH    DEFINED      1     106,400
DEVELOPERS-INVESTORS,INC       COM  232990AA9          456      450,000   SH    DEFINED      1
DISNEY                         COM  254687106           69        3,000   SH    DEFINED                                   3,000
DISNEY (WALT) COMPANY          COM  254687106        1,089       47,200   SH    DEFINED      1      47,200
DUKE ENERGY CORPORATION        COM  264399106          304        8,033   SH    DEFINED      2       8,033
DUKE ENERGY CORPORATION        COM  264399106          154        4,070   SH    DEFINED      2         400    3,670
DUKE ENERGY CORPORATION        COM  264399106          227        5,994   SH    DEFINED      1       5,994
DUKE ENERGY CORPORATION        COM  264399106          276        7,300   SH    DEFINED      1       4,000    3,300
DUKE ENERGY CORPORATION        COM  264399106          629       16,634   SH    DEFINED             16,234      400
DUPONT (EI) DE NEMOURS & C     COM  263534109        2,009       42,600   SH    DEFINED      1      42,600
E M C CORP                     COM  268648102           38        3,200   SH    DEFINED                                   3,200
E. I. DUPONT DE NEMOURS        COM  263534109          460        9,760   SH    DEFINED      2       9,760
E. I. DUPONT DE NEMOURS        COM  263534109           50        1,070   SH    DEFINED      2                1,070
E. I. DUPONT DE NEMOURS        COM  263534109        1,606       34,062   SH    DEFINED      1      33,722                  340
E. I. DUPONT DE NEMOURS        COM  263534109          679       14,405   SH    DEFINED      1       5,400    9,005
E. I. DUPONT DE NEMOURS        COM  263534109        2,668       56,590   SH    DEFINED             56,590
E. I. DUPONT DE NEMOURS        COM  263534109           26          550   SH    DEFINED                         550
EARTHLINK INC                  COM  270321102           10        1,000   SH    DEFINED                                   1,000
EL PASO CORPORATION            COM  28336L109        1,445       32,828   SH    DEFINED      1      32,828
EL PASO CORPORATION            COM  28336L109           38          869   SH    DEFINED      1         225                  644
EL PASO CORPORATION            COM  28336L109          362        8,227   SH    DEFINED              8,227
EL PASO CORPORATION            COM  28336L109            1           25   SH    DEFINED                          25
EL PASO CORPORATION            COM  28336L109        2,291       52,026   SH    DEFINED      1      52,026
ELECTRONIC DATA SYSTEMS        COM  285661104          419        7,221   SH    DEFINED      2       7,221
ELECTRONIC DATA SYSTEMS        COM  285661104           23          400   SH    DEFINED      2         400
ELECTRONIC DATA SYSTEMS        COM  285661104        2,160       37,245   SH    DEFINED      1      33,960                3,285
ELECTRONIC DATA SYSTEMS        COM  285661104           11          195   SH    DEFINED      1         195
ELECTRONIC DATA SYSTEMS        COM  285661104          674       11,622   SH    DEFINED             11,622
ELECTRONIC DATA SYSTEMS        COM  285661104           12          200   SH    DEFINED                         200
ELECTRONIC DATA SYSTEMS CO     COM  285661104        3,514       60,600   SH    DEFINED      1      60,600
EMC CORP                       COM  268648102          679       56,940   SH    DEFINED      2      55,940                1,000
EMC CORP                       COM  268648102           78        6,525   SH    DEFINED      2                6,525
EMC CORP                       COM  268648102          968       81,195   SH    DEFINED      1      81,095                  100
EMC CORP                       COM  268648102           15        1,285   SH    DEFINED      1       1,095      190
EMC CORP                       COM  268648102          283       23,764   SH    DEFINED             23,764
EMC CORP                       COM  268648102            1           75   SH    DEFINED                          75
EMC CORP                       COM  268648102        1,630      136,750   SH    DEFINED      1     136,750
EMERSON ELECTRIC CO.           COM  291011104          264        4,600   SH    DEFINED      2       4,600
EMERSON ELECTRIC CO.           COM  291011104          275        4,800   SH    DEFINED      2                4,800
EMERSON ELECTRIC CO.           COM  291011104          898       15,640   SH    DEFINED      1      15,640
EMERSON ELECTRIC CO.           COM  291011104          172        3,000   SH    DEFINED      1       3,000
ENERGEN CORPORATION            COM  29265N108           43        1,608   SH    DEFINED              1,608
ENERGEN CORPORATION            COM  29265N108          659       24,905   SH    DEFINED                      24,905
ENRON CORPORATION              COM  293561106            9       49,069   SH    DEFINED             48,269                  800
ENVIRO-ENERGY CORPORATIO       COM  29403E101            2       16,600   SH    DEFINED      1      16,600
EQUIFAX, INCORPORATED          COM  294429105          726       24,270   SH    DEFINED      1      24,270
EQUIFAX, INCORPORATED          COM  294429105          299       10,000   SH    DEFINED      1       6,000                4,000
EXCHANGE BANK SANTA ROSA CALIF COM  301227203           24          300   SH    DEFINED                                     300
EXXON MOBIL CORPORATION        COM  30231G102        6,966      158,922   SH    DEFINED      2     157,422                1,500
EXXON MOBIL CORPORATION        COM  30231G102        2,719       62,025   SH    DEFINED      2       2,776   56,049       3,200
EXXON MOBIL CORPORATION        COM  30231G102       11,206      255,661   SH    DEFINED      1     247,477                8,184
EXXON MOBIL CORPORATION        COM  30231G102        3,440       78,481   SH    DEFINED      1       8,005   59,628      10,848
EXXON MOBIL CORPORATION        COM  30231G102        8,138      185,676   SH    DEFINED            184,876                  800
EXXON MOBIL CORPORATION        COM  30231G102          181        4,125   SH    DEFINED                       4,125
EXXON MOBIL CORPORATION        COM  30231G102        5,105      116,484   SH    DEFINED      1     116,484
FANNIE MAE                     COM  313586109        1,022       12,789   SH    DEFINED      2      12,289                  500
FANNIE MAE                     COM  313586109          210        2,625   SH    DEFINED      2                2,625
FANNIE MAE                     COM  313586109        3,697       46,285   SH    DEFINED      1      45,835                  450
FANNIE MAE                     COM  313586109          115        1,443   SH    DEFINED      1         360      900         183
FANNIE MAE                     COM  313586109        1,041       13,034   SH    DEFINED             13,034
FANNIE MAE                     COM  313586109           15          191   SH    DEFINED                         191
FANNIE MAE                     COM  313586109        5,440       68,100   SH    DEFINED      1      68,100
FIFTH THIRD BANCORP            COM  316773100          310        4,600   SH    DEFINED      2       4,600
FIRST BANCORP N C              COM  318910106           57        2,492   SH    DEFINED                                   2,492
FIRST FINANCIAL CORP           COM  320221104           68        2,100   SH    DEFINED                                   2,100
FIRST KEYSTONE FIN INC         COM  320655103           21        1,400   SH    DEFINED                                   1,400
FIRST MIDWEST BANCORP INC      COM  320867104           15          500   SH    DEFINED                                     500
FIRST NATIONAL CORP            COM  320942105           28        1,100   SH    DEFINED                                   1,100
FIRST OAK BROOK BCSHS INC      COM  335847208           87        2,800   SH    DEFINED                                   2,800
FIRST OF LONG ISLAND CORP      COM  320734106           23          600   SH    DEFINED                                     600
FIRST STATE BANCORP            COM  336453105           11          490   SH    DEFINED                                     490
FIRST TENNESSEE NATIONAL       COM  337162101          692       19,744   SH    DEFINED      1               19,744
FIRSTFED AMERICA BANCORP INC   COM  337929103           26        1,107   SH    DEFINED                                   1,107
FLAG FINANCIAL CORPORATI       COM  33832H107          206       20,718   SH    DEFINED      1      20,718
FLEET BOSTON FINANCIAL COR     COM  339030108        4,389      125,400   SH    DEFINED      1     125,400
FLEETBOSTON FINANCIAL CO       COM  339030108          203        5,790   SH    DEFINED      2       5,790
FLEETBOSTON FINANCIAL CO       COM  339030108           48        1,385   SH    DEFINED      2                  625         760
FLEETBOSTON FINANCIAL CO       COM  339030108        2,368       67,659   SH    DEFINED      1      67,309                  350
FLEETBOSTON FINANCIAL CO       COM  339030108           85        2,440   SH    DEFINED      1         710      900         830
FLEETBOSTON FINANCIAL CO       COM  339030108          689       19,683   SH    DEFINED             19,683
FLEETBOSTON FINANCIAL CO       COM  339030108            4          125   SH    DEFINED                         125
FLORIDA EAST COAST INDUSTRIES  COM  340632207            6          234   SH    DEFINED                                     234
FLOWERS FOODS, INC.            COM  343498101          540       21,209   SH    DEFINED      1      21,209
FMS FINANCIAL CORP             COM  302509104            8          720   SH    DEFINED                                     720
FORD MOTOR CO                  COM  345370860           18        1,066   SH    DEFINED                                   1,066
FORD MOTOR COMPANY NEW         COM  345370860          671       40,681   SH    DEFINED      1      39,405                1,276
FORD MOTOR COMPANY NEW         COM  345370860           55        3,330   SH    DEFINED      1                3,330
FORD MOTOR COMPANY NEW         COM  345370860          376       22,794   SH    DEFINED             22,794
FORD MOTOR COMPANY NEW         COM  345370860            2          100   SH    DEFINED                         100
FPL GROUP, INC.                COM  302571104          230        3,865   SH    DEFINED      2       3,540                  325
FPL GROUP, INC.                COM  302571104           30          500   SH    DEFINED      2                  500
FRANKLIN BANK NA               COM  352456107           33        1,816   SH    DEFINED                                   1,816
G A FINANCIAL INC              COM  361437106           19        1,100   SH    DEFINED                                   1,100
GANNETT COMPANY, INC.          COM  364730101          171        2,250   SH    DEFINED      2       2,250
GANNETT COMPANY, INC.          COM  364730101           61          800   SH    DEFINED      2                  800
GBC BANCORP CALIF              COM  361475106           23          680   SH    DEFINED                                     680
GENENTECH, INC                 COM  368710406          368        7,300   SH    DEFINED      2       7,300
GENENTECH, INC                 COM  368710406           10          200   SH    DEFINED      2                  200
GENERAL DYNAMICS CORP          COM  369550108          154        1,638   SH    DEFINED      1         300                1,338
GENERAL DYNAMICS CORP          COM  369550108          120        1,274   SH    DEFINED      1                            1,274
GENERAL ELECTRIC CO            COM  369604103           68        1,826   SH    DEFINED                                   1,826
GENERAL ELECTRIC COMPANY       COM  369604103        8,687      231,958   SH    DEFINED      2     229,958                2,000
GENERAL ELECTRIC COMPANY       COM  369604103        4,068      108,634   SH    DEFINED      2      20,500   84,534       3,600
GENERAL ELECTRIC COMPANY       COM  369604103       15,244      407,045   SH    DEFINED      1     382,203               24,842
GENERAL ELECTRIC COMPANY       COM  369604103        6,109      163,123   SH    DEFINED      1      23,645  105,373      34,105
GENERAL ELECTRIC COMPANY       COM  369604103        4,761      127,137   SH    DEFINED            127,137
GENERAL ELECTRIC COMPANY       COM  369604103          137        3,646   SH    DEFINED              2,400    1,246
GENERAL ELECTRIC COMPANY       COM  369604103        6,968      186,049   SH    DEFINED      1     186,049
GENERAL MILLS, INC.            COM  370334104        7,862      160,933   SH    DEFINED      1     160,933
GENERAL MILLS, INC.            COM  370334104        1,011       20,688   SH    DEFINED      1               20,688
GENERAL MOTORS CORPORATI       COM  370442105          313        5,180   SH    DEFINED      1       5,180
GENERAL MOTORS CORPORATI       COM  370442105           48          788   SH    DEFINED      1         190                  598
GENUINE PARTS COMPANY          COM  372460105        5,877      159,841   SH    DEFINED      1     159,841
GENUINE PARTS COMPANY          COM  372460105          161        4,386   SH    DEFINED      1       1,686    2,700
GILLETTE CO                    COM  375766102          824       24,215   SH    DEFINED      2      24,215
GILLETTE CO                    COM  375766102          150        4,400   SH    DEFINED      2       3,200    1,200
GILLETTE CO                    COM  375766102          118        3,456   SH    DEFINED      1       3,456
GILLETTE CO                    COM  375766102          558       16,393   SH    DEFINED      1       5,000    8,193       3,200
GLAXO SMITHKLINE PLC SPO       COM  37733W105          568       12,093   SH    DEFINED      2      12,093
GLAXO SMITHKLINE PLC SPO       COM  37733W105           42          894   SH    DEFINED      2                  894
GOLDFIELD CORP(NEVADA)         COM  381370105           81      150,000   SH    DEFINED            150,000
GREATER BAY BANCORP            COM  391648102          116        3,413   SH    DEFINED                                   3,413
H J HEINZ COMPANY              COM  423074103          315        7,600   SH    DEFINED      2       7,600
H J HEINZ COMPANY              COM  423074103           21          500   SH    DEFINED      2                  500
HALLIBURTON COMPANY            COM  406216101          104        6,064   SH    DEFINED      1       6,064
HALLIBURTON COMPANY            COM  406216101          171       10,000   SH    DEFINED      1      10,000
HANMI FINL CORP                COM  410495105           42        2,479   SH    DEFINED                                   2,479
HCA INC                        COM  404119109        1,370       31,085   SH    DEFINED      1      31,085
HCA INC                        COM  404119109           23          512   SH    DEFINED                                     512
HEALTHSOUTH CORP               COM  421924101           29        2,000   SH    DEFINED                                   2,000
HERSHEY FOODS CORP             COM  427866108          219        3,200   SH    DEFINED              3,200
HEWLETT PACKARD CO             COM  428236103          220       12,250   SH    DEFINED      2      12,250
HEWLETT PACKARD CO             COM  428236103          117        6,500   SH    DEFINED      2       1,600    4,900
HEWLETT PACKARD CO             COM  428236103          480       26,777   SH    DEFINED      1      25,592                1,185
HEWLETT PACKARD CO             COM  428236103           29        1,616   SH    DEFINED      1                1,236         380
HEWLETT PACKARD CO             COM  428236103          362       20,187   SH    DEFINED             20,187
HEWLETT PACKARD CO             COM  428236103           44        2,474   SH    DEFINED                       2,474
HOME DEPOT INCORPORATED        COM  437076102        1,874       38,551   SH    DEFINED      2      37,951                  600
HOME DEPOT INCORPORATED        COM  437076102          606       12,465   SH    DEFINED      2       5,350    7,115
HOME DEPOT INCORPORATED        COM  437076102        5,128      105,488   SH    DEFINED      1     102,051                3,437
HOME DEPOT INCORPORATED        COM  437076102          535       11,016   SH    DEFINED      1       5,650    3,135       2,231
HOME DEPOT INCORPORATED        COM  437076102        1,894       38,968   SH    DEFINED             38,401                  567
HOME DEPOT INCORPORATED        COM  437076102           63        1,286   SH    DEFINED                       1,286
HOME DEPOT INCORPORATED        COM  437076102        5,624      115,700   SH    DEFINED      1     115,700
HONEYWELL INTERNATIONAL        COM  438516106          759       19,837   SH    DEFINED      1      19,837
HONEYWELL INTERNATIONAL        COM  438516106            5          140   SH    DEFINED      1                  140
ILLINOIS TOOL WORKS, INC       COM  452308109          463        6,400   SH    DEFINED      2       6,400
ILLINOIS TOOL WORKS, INC       COM  452308109           98        1,350   SH    DEFINED      2         200    1,150
ILLINOIS TOOL WORKS, INC       COM  452308109          306        4,223   SH    DEFINED              4,223
ILLINOIS TOOL WORKS, INC       COM  452308109           19          265   SH    DEFINED                         265
INTEL CORPORATION              COM  458140100           15          502   SH    DEFINED                                     502
INTEL CORPORATION              COM  458140100        3,373      110,920   SH    DEFINED      2     107,320    2,800         800
INTEL CORPORATION              COM  458140100          465       15,300   SH    DEFINED      2         800   14,500
INTEL CORPORATION              COM  458140100        5,753      189,182   SH    DEFINED      1     175,459               13,723
INTEL CORPORATION              COM  458140100          679       22,340   SH    DEFINED      1         933   19,446       1,961
INTEL CORPORATION              COM  458140100        1,811       59,569   SH    DEFINED             58,369    1,200
INTEL CORPORATION              COM  458140100          103        3,400   SH    DEFINED                       3,400
INTEL CORPORATION              COM  458140100        5,261      173,000   SH    DEFINED      1     173,000
INTERNATIONAL BUSINESS M       COM  459200101        1,475       14,187   SH    DEFINED      2      13,987                  200
INTERNATIONAL BUSINESS M       COM  459200101          647        6,218   SH    DEFINED      2       1,693    4,525
INTERNATIONAL BUSINESS M       COM  459200101        3,183       30,605   SH    DEFINED      1      29,895                  710
INTERNATIONAL BUSINESS M       COM  459200101          601        5,783   SH    DEFINED      1       1,675      195       3,913
INTERNATIONAL BUSINESS M       COM  459200101          829        7,975   SH    DEFINED              7,408                  567
INTERNATIONAL BUSINESS M       COM  459200101           34          324   SH    DEFINED                         324
INTERNATIONAL BUSINESS M       COM  459200101        1,976       19,000   SH    DEFINED      1      19,000
INTERNATIONAL PAPER COMP       COM  460146103        1,043       24,253   SH    DEFINED      1      24,253
INTERNATIONAL PAPER COMP       COM  460146103          371        8,631   SH    DEFINED      1       7,631    1,000
INTERNATIONAL PAPER COMP       COM  460146103          247        5,740   SH    DEFINED              5,740
INTERNATIONAL PAPER COMP       COM  460146103            1           25   SH    DEFINED                          25
INTERNATIONAL PAPER COMP       COM  460146103        2,249       52,300   SH    DEFINED      1      52,300
INTUIT INC                     COM  461202103          690       18,000   SH    DEFINED      1      18,000
IPSWICH BANCSHARES INC         COM  462633108           13          650   SH    DEFINED                                     650
ITLA CAPITAL CORP              COM  450565106           66        2,650   SH    DEFINED                                   2,650
J P MORGAN CHASE & CO.         COM  46625H100          165        4,627   SH    DEFINED      2       4,627
J P MORGAN CHASE & CO.         COM  46625H100          231        6,468   SH    DEFINED      2         300    6,168
J P MORGAN CHASE & CO.         COM  46625H100          261        7,314   SH    DEFINED      1       7,314
J P MORGAN CHASE & CO.         COM  46625H100          358       10,030   SH    DEFINED      1       8,550                1,480
J P MORGAN CHASE & CO.         COM  46625H100          213        5,962   SH    DEFINED              5,809                  153
J. ALEXANDER CORPORATION       COM  466096104           81       22,080   SH    DEFINED      1      22,080
JOHNSON & JOHNSON              COM  478160104        1,572       24,210   SH    DEFINED      2      24,210
JOHNSON & JOHNSON              COM  478160104          920       14,160   SH    DEFINED      2         400   13,760
JOHNSON & JOHNSON              COM  478160104        9,724      149,708   SH    DEFINED      1     148,708                1,000
JOHNSON & JOHNSON              COM  478160104        5,599       86,198   SH    DEFINED      1       1,220   83,414       1,564
JOHNSON & JOHNSON              COM  478160104        2,186       33,664   SH    DEFINED             33,664
JOHNSON & JOHNSON              COM  478160104           60          930   SH    DEFINED                         930
JOHNSON & JOHNSON              COM  478160104        5,605       86,300   SH    DEFINED      1      86,300
JOHNSON CONTROLS INCORPO       COM  478366107          172        1,950   SH    DEFINED      2       1,700                  250
JOHNSON CONTROLS INCORPO       COM  478366107           35          400   SH    DEFINED      2                  400
KELLOGG COMPANY                COM  487836108          863       25,706   SH    DEFINED      1      25,706
KIMBERLY CLARK CORP            COM  494368103          708       10,950   SH    DEFINED      2       9,950                1,000
KIMBERLY CLARK CORP            COM  494368103          305        4,724   SH    DEFINED      2         200    3,900         624
KIMBERLY CLARK CORP            COM  494368103        1,488       23,017   SH    DEFINED      1      22,817                  200
KIMBERLY CLARK CORP            COM  494368103           80        1,230   SH    DEFINED      1                1,230
KINDER MORGAN EGY PTNS L       COM  494550106          238        7,200   SH    DEFINED      2       7,200
LEHMAN BROTHERS HOLDINGS       COM  524908100          345        5,340   SH    DEFINED      1       5,340
LEHMAN BROTHERS HOLDINGS       COM  524908100           26          400   SH    DEFINED      1         400
LILLY, ELI & CO                COM  532457108          272        3,575   SH    DEFINED      2       3,575
LILLY, ELI & CO                COM  532457108          478        6,271   SH    DEFINED      2         500    5,771
LILLY, ELI & CO                COM  532457108          228        2,987   SH    DEFINED      1       2,987
LILLY, ELI & CO                COM  532457108           41          540   SH    DEFINED      1                              540
LILLY, ELI & CO                COM  532457108          632        8,300   SH    DEFINED              8,300
LILLY, ELI & CO                COM  532457108           91        1,200   SH    DEFINED                       1,200
LONG ISLAND FINANCIAL CORP     COM  542669106           27        1,500   SH    DEFINED                                   1,500
LOWES COMPANIES INC            COM  548661107          274        6,300   SH    DEFINED      2       6,300
LOWES COMPANIES INC            COM  548661107          217        5,000   SH    DEFINED      2       4,000    1,000
LOWES COMPANIES INC            COM  548661107          648       14,905   SH    DEFINED      1      12,515                2,390
LOWES COMPANIES INC            COM  548661107          461       10,600   SH    DEFINED      1               10,600
LOWES COMPANIES INC            COM  548661107          380        8,730   SH    DEFINED              8,730
LOWES COMPANIES INC            COM  548661107            4          100   SH    DEFINED                         100
LUCENT TECHNOLOGIES INCO       COM  549463107           96       20,253   SH    DEFINED      2      20,253
LUCENT TECHNOLOGIES INCO       COM  549463107           44        9,204   SH    DEFINED      2                8,644         560
LUCENT TECHNOLOGIES INCO       COM  549463107          129       27,171   SH    DEFINED      1      26,496                  675
LUCENT TECHNOLOGIES INCO       COM  549463107          146       30,810   SH    DEFINED      1      25,800    2,938       2,072
LUCENT TECHNOLOGIES INCO       COM  549463107           71       15,044   SH    DEFINED             15,044
LUCENT TECHNOLOGIES INCO       COM  549463107            7        1,555   SH    DEFINED              1,164      391
M B N A CORP                   COM  55262L100           39        1,000   SH    DEFINED                                   1,000
MAHASKA INVESTMENT CO          COM  559809108           18        1,340   SH    DEFINED                                   1,340
MANULIFE FINANCIAL CORPO       COM  56501R106        4,198      152,937   SH    DEFINED      1     152,937
MARRIOTT INTERNATIONAL C       COM  571903202          390        8,675   SH    DEFINED      1       8,675
MARSHALL & ILSLEY CORP         COM  571834100           39          631   SH    DEFINED                                     631
MBNA CORP                      COM  55262L100          247        6,400   SH    DEFINED      2       5,650                  750
MBNA CORP                      COM  55262L100           52        1,350   SH    DEFINED      2                1,350
MCDONALDS CORP                 COM  580135101          386       13,900   SH    DEFINED      2      13,900
MCDONALDS CORP                 COM  580135101          211        7,600   SH    DEFINED      2                7,600
MCDONALDS CORP                 COM  580135101          175        6,311   SH    DEFINED      1       5,291                1,020
MCDONALDS CORP                 COM  580135101          222        8,000   SH    DEFINED      1       8,000
MCDONALDS CORP                 COM  580135101           80        2,900   SH    DEFINED                                   2,900
MCGRAW HILL COMPANIES IN       COM  580645109          968       14,187   SH    DEFINED      1      12,629                1,558
MCGRAW HILL COMPANIES IN       COM  580645109          464        6,800   SH    DEFINED              6,800
MEDTRONIC INC                  COM  585055106        1,009       22,320   SH    DEFINED      2      22,320
MEDTRONIC INC                  COM  585055106           84        1,850   SH    DEFINED      2         200    1,650
MEDTRONIC INC                  COM  585055106        2,841       62,832   SH    DEFINED      1      60,387                2,445
MEDTRONIC INC                  COM  585055106           48        1,070   SH    DEFINED      1         745      325
MEDTRONIC INC                  COM  585055106          865       19,127   SH    DEFINED             18,888                  239
MEDTRONIC INC                  COM  585055106           33          739   SH    DEFINED                         739
MEDTRONIC INCORPORATED         COM  585055106        3,070       67,900   SH    DEFINED      1      67,900
MERCHANTS BANCSHARES INC       COM  588448100          420       15,000   SH    DEFINED      2               15,000
MERCK & CO., INC               COM  589331107        4,125       71,636   SH    DEFINED      2      71,236                  400
MERCK & CO., INC               COM  589331107          720       12,505   SH    DEFINED      2       1,800   10,705
MERCK & CO., INC               COM  589331107        7,037      122,211   SH    DEFINED      1     118,592                3,619
MERCK & CO., INC               COM  589331107        1,938       33,655   SH    DEFINED      1       8,676    5,919      19,060
MERCK & CO., INC               COM  589331107        1,763       30,623   SH    DEFINED             30,127                  496
MERCK & CO., INC               COM  589331107           17          300   SH    DEFINED                         300
MERCK & COMPANY INCORPORAT     COM  589331107        5,816      101,000   SH    DEFINED      1     101,000
MERRILL LYNCH AND CO, IN       COM  590188108          325        5,876   SH    DEFINED      1       5,300                  576
MERRILL LYNCH AND CO, IN       COM  590188108          130        2,350   SH    DEFINED      1                2,350
MERRILL LYNCH AND CO, IN       COM  590188108          309        5,586   SH    DEFINED              5,586
MERRILL LYNCH AND CO, IN       COM  590188108           27          480   SH    DEFINED                         480
MICROSOFT CORPORATION          COM  594918104        5,117       84,850   SH    DEFINED      1      84,850
MICROSOFT CORPORATION          COM  594918104           30          500   SH    DEFINED                                     500
MICROSOFT CORPORATION          COM  594918104        3,010       49,910   SH    DEFINED      2      49,510                  400
MICROSOFT CORPORATION          COM  594918104          736       12,200   SH    DEFINED      2         600   11,600
MICROSOFT CORPORATION          COM  594918104        5,098       84,522   SH    DEFINED      1      79,397                5,125
MICROSOFT CORPORATION          COM  594918104          450        7,458   SH    DEFINED      1       5,403      370       1,685
MICROSOFT CORPORATION          COM  594918104        1,903       31,546   SH    DEFINED             31,546
MICROSOFT CORPORATION          COM  594918104           45          740   SH    DEFINED                         740
MID-AMERICAN APARTMENT C       COM  59522J103           39        1,500   SH    DEFINED      1       1,500
MID-AMERICAN APARTMENT C       COM  59522J103          183        7,000   SH    DEFINED      1       7,000
MINNESOTA MINING & MANUF       COM  604059105          391        3,400   SH    DEFINED      2       2,900                  500
MINNESOTA MINING & MANUF       COM  604059105          299        2,600   SH    DEFINED      2                2,600
MINNESOTA MINING & MANUF       COM  604059105        1,629       14,161   SH    DEFINED      1      14,161
MINNESOTA MINING & MANUF       COM  604059105          345        3,000   SH    DEFINED      1       2,000      800         200
MIRANT CORPORATION             COM  604675108           87        6,026   SH    DEFINED      2       6,026
MIRANT CORPORATION             COM  604675108           62        4,307   SH    DEFINED      2                4,307
MIRANT CORPORATION             COM  604675108          522       36,090   SH    DEFINED      1      35,693                  397
MIRANT CORPORATION             COM  604675108           30        2,079   SH    DEFINED      1          97    1,982
MORGAN STANLEY DEAN WITT       COM  617446448          260        4,535   SH    DEFINED      2       4,235                  300
MORGAN STANLEY DEAN WITT       COM  617446448          146        2,550   SH    DEFINED      2                2,550
MORGAN STANLEY DEAN WITT       COM  617446448        2,518       43,931   SH    DEFINED      1      43,331                  600
MORGAN STANLEY DEAN WITT       COM  617446448          161        2,805   SH    DEFINED      1         455    2,350
MORGAN STANLEY DEAN WITT       COM  617446448        1,176       20,513   SH    DEFINED             20,513
MORGAN STANLEY DEAN WITT       COM  617446448            4           75   SH    DEFINED                          75
MORGAN STANLEY DEAN WITT       COM  617446448        4,591       80,100   SH    DEFINED      1      80,100
MOTOROLA, INC                  COM  620076109        1,265       89,100   SH    DEFINED      1      89,100
MOTOROLA, INC                  COM  620076109          355       24,992   SH    DEFINED      2      24,992
MOTOROLA, INC                  COM  620076109            7          500   SH    DEFINED      2                  500
MOTOROLA, INC                  COM  620076109          857       60,339   SH    DEFINED      1      58,914                1,425
MOTOROLA, INC                  COM  620076109           15        1,045   SH    DEFINED      1         880      165
MOTOROLA, INC                  COM  620076109          431       30,348   SH    DEFINED             30,348
MOTOROLA, INC                  COM  620076109           10          725   SH    DEFINED                         725
MPS GROUP INC.                 COM  553409103           88       10,000   SH    DEFINED      1      10,000
NATIONAL COMMERCE FINANCIAL CO COM  63545P104           34        1,209   SH    DEFINED                                   1,209
NEXTEL COMM INC                COM  65332V103            5        1,000   SH    DEFINED                                   1,000
NOKIA CORP                     COM  654902204           35        1,675   SH    DEFINED                                   1,675
NOKIA CORP-SPONSORED AME       COM  654902204          240       11,550   SH    DEFINED      1      11,550
NOKIA CORP-SPONSORED AME       COM  654902204            0            0   SH    DEFINED      1
NORFOLK SOUTHERN CORPORA       COM  655844108          316       13,180   SH    DEFINED      1      13,180
NORFOLK SOUTHERN CORPORA       COM  655844108           72        3,000   SH    DEFINED      1                            3,000
NORFOLK SOUTHERN CORPORA       COM  655844108          693       28,932   SH    DEFINED             28,932
NORTEL NETWORKS CORP. NE       COM  656568102           69       15,460   SH    DEFINED      2      15,460
NORTEL NETWORKS CORP. NE       COM  656568102            6        1,400   SH    DEFINED      2                1,400
NORTEL NETWORKS CORP. NE       COM  656568102           53       11,824   SH    DEFINED      1      11,824
NORTEL NETWORKS CORP. NE       COM  656568102            8        1,765   SH    DEFINED      1                  765       1,000
NORTH FORK BANCORP INC         COM  659424105          225        6,318   SH    DEFINED                                   6,318
NORTH VALLEY BANCORP           COM  66304M105           49        3,000   SH    DEFINED                                   3,000
NORTHERN EMPIRE BANCSHS        COM  665112108          183        7,012   SH    DEFINED                                   7,012
NORTHRIM BK ALASKA             COM  666764105           34        2,291   SH    DEFINED                                   2,291
ORACLE CORPORATION             COM  68389X105          875       68,395   SH    DEFINED      2      68,395
ORACLE CORPORATION             COM  68389X105           54        4,250   SH    DEFINED      2                4,250
ORACLE CORPORATION             COM  68389X105        3,230      252,365   SH    DEFINED      1     241,430               10,935
ORACLE CORPORATION             COM  68389X105          488       38,089   SH    DEFINED      1      21,475   12,552       4,062
ORACLE CORPORATION             COM  68389X105          769       60,109   SH    DEFINED             58,910                1,199
ORACLE CORPORATION             COM  68389X105           19        1,450   SH    DEFINED                       1,450
ORACLE CORPORATION             COM  68389X105        2,966      231,748   SH    DEFINED      1     231,748
ORACLE CORPORATION             COM  68389X105           51        4,000   SH    DEFINED                                   4,000
PAB BANKSHARES, INC.           COM  69313P101          857       89,742   SH    DEFINED      1      89,592                  150
PACIFIC CREST CAPITAL INC      COM  694166109           76        3,100   SH    DEFINED                                   3,100
PARKVALE FINANCIAL CORP        COM  701492100            8          312   SH    DEFINED                                     312
PEPSICO INCORPORATED           COM  713448108        1,334       25,900   SH    DEFINED      1      25,900
PEPSICO, INC.                  COM  713448108        1,175       22,818   SH    DEFINED      2      21,818                1,000
PEPSICO, INC.                  COM  713448108          268        5,200   SH    DEFINED      2                5,200
PEPSICO, INC.                  COM  713448108          216        4,201   SH    DEFINED      1       4,201
PEPSICO, INC.                  COM  713448108          340        6,600   SH    DEFINED      1       6,000      600
PEPSICO, INC.                  COM  713448108          677       13,144   SH    DEFINED             12,844      300
PEPSICO, INC.                  COM  713448108            6          120   SH    DEFINED                         120
PERPETUAL FED SAVINGS BANK     COM  714273109            7          420   SH    DEFINED                                     420
PFIZER INC                     COM  717081103        3,125       78,629   SH    DEFINED      2      78,429                  200
PFIZER INC                     COM  717081103          625       15,725   SH    DEFINED      2               13,625       2,100
PFIZER INC                     COM  717081103        7,404      186,315   SH    DEFINED      1     181,575                4,740
PFIZER INC                     COM  717081103        1,230       30,940   SH    DEFINED      1      12,615   15,846       2,479
PFIZER INC                     COM  717081103        3,955       99,530   SH    DEFINED             98,930                  600
PFIZER INC                     COM  717081103           50        1,263   SH    DEFINED                       1,263
PFIZER INC                     COM  717081103           30          750   SH    DEFINED                                     750
PFIZER INC                     COM  717081103        5,301      133,400   SH    DEFINED      1     133,400
PHILIP MORRIS COMPANIES        COM  718154107        2,368       44,950   SH    DEFINED      2      44,950
PHILIP MORRIS COMPANIES        COM  718154107          414        7,853   SH    DEFINED      2         800    7,053
PHILIP MORRIS COMPANIES        COM  718154107          258        4,890   SH    DEFINED      1       4,890
PHILIP MORRIS COMPANIES        COM  718154107          269        5,100   SH    DEFINED      1                  300       4,800
PHILIP MORRIS COMPANIES        COM  718154107          372        7,055   SH    DEFINED              7,055
PHILIP MORRIS COMPANIES        COM  718154107           31          587   SH    DEFINED                                     587
PPG INDUSTRIES, INC            COM  693506107           88        1,600   SH    DEFINED      2       1,600
PPG INDUSTRIES, INC            COM  693506107          225        4,100   SH    DEFINED      2                4,100
PPG INDUSTRIES, INC            COM  693506107          349        6,350   SH    DEFINED      1       6,350
PPG INDUSTRIES, INC            COM  693506107          220        4,000   SH    DEFINED      1       4,000
PREMIERE TECH INC              COM  74058F102            8        2,000   SH    DEFINED                                   2,000
PREPAID LEGAL SERVICES I       COM  740065107          696       24,369   SH    DEFINED      1      24,369
PRICE T ROWE GROUP INCOR       COM  74144T108          245        6,300   SH    DEFINED      2                6,300
PRICE T ROWE GROUP INCOR       COM  74144T108          264        6,774   SH    DEFINED              6,774
PROCTER & GAMBLE               COM  742718109        4,099       45,500   SH    DEFINED      1      45,500
PROCTOR & GAMBLE               COM  742718109        2,744       30,459   SH    DEFINED      2      30,159                  300
PROCTOR & GAMBLE               COM  742718109          448        4,970   SH    DEFINED      2         600    4,370
PROCTOR & GAMBLE               COM  742718109        3,378       37,493   SH    DEFINED      1      36,843                  650
PROCTOR & GAMBLE               COM  742718109           39          435   SH    DEFINED      1         235      200
PROCTOR & GAMBLE               COM  742718109        1,478       16,405   SH    DEFINED             16,405
PROCTOR & GAMBLE               COM  742718109           35          385   SH    DEFINED                         385
PROGRESS ENERGY INC            COM  743263105          269        5,373   SH    DEFINED      1       5,373
PROGRESS ENERGY INC            COM  743263105           70        1,399   SH    DEFINED      1                1,399
QWEST COMMUNICATIONS, IN       COM  749121109           61        7,390   SH    DEFINED      1       4,760                2,630
QWEST COMMUNICATIONS, IN       COM  749121109           51        6,262   SH    DEFINED      1       6,262
RAYTHEON COMPANY               COM  755111507           58        1,421   SH    DEFINED      1       1,421
RAYTHEON COMPANY               COM  755111507          175        4,255   SH    DEFINED      1       4,255
REGIONS FINANCIAL CORP         COM  758940100        1,722       50,134   SH    DEFINED      1      50,134
REGIONS FINANCIAL CORP         COM  758940100          337        9,802   SH    DEFINED              9,802
REPUBLIC BANCSHARES INC        COM  759929102           57        3,303   SH    DEFINED                                   3,303
ROUSE COMPANY                  COM  779273101        2,467       79,633   SH    DEFINED      2      79,633
ROYAL BANCSHARES OF PA INC     COM  780081105           79        3,938   SH    DEFINED                                   3,938
ROYAL DUTCH PETROLEUM CO       COM  780257804          292        5,375   SH    DEFINED      2       5,375
ROYAL DUTCH PETROLEUM CO       COM  780257804          266        4,900   SH    DEFINED      2                4,900
ROYAL DUTCH PETROLEUM CO       COM  780257804        2,139       39,379   SH    DEFINED      1      36,179                3,200
ROYAL DUTCH PETROLEUM CO       COM  780257804          261        4,800   SH    DEFINED      1         400    4,400
ROYAL DUTCH PETROLEUM CO       COM  780257804          520        9,570   SH    DEFINED              9,570
ROYAL DUTCH PETROLEUM CO       COM  780257804            9          173   SH    DEFINED                         173
ROYAL DUTCH PETROLEUM CO       COM  780257804        3,149       57,975   SH    DEFINED      1      57,975
RYDER SYSTEM INC.              COM  783549108          207        7,000   SH    DEFINED      1       7,000
S1 CORPORATION                 COM  78463B101          900       58,300   SH    DEFINED                                  58,300
SANFILIPPO JOHN B & SON        COM  800422107          433       72,110   SH    DEFINED             72,110
SARA LEE CORPORATION           COM  803111103          202        9,727   SH    DEFINED      2       9,727
SARA LEE CORPORATION           COM  803111103           60        2,900   SH    DEFINED      2                2,900
SARA LEE CORPORATION           COM  803111103          319       15,384   SH    DEFINED      1      15,384
SARA LEE CORPORATION           COM  803111103          326       15,695   SH    DEFINED      1       8,000                7,695
SBC COMMUNICATIONS, INC.       COM  78387G103        4,119      110,019   SH    DEFINED      1     110,019
SBC COMMUNICATIONS, INC.       COM  78387G103        1,837       49,052   SH    DEFINED      2      48,552                  500
SBC COMMUNICATIONS, INC.       COM  78387G103          340        9,083   SH    DEFINED      2         400    8,683
SBC COMMUNICATIONS, INC.       COM  78387G103        3,729       99,606   SH    DEFINED      1      95,371                4,235
SBC COMMUNICATIONS, INC.       COM  78387G103          896       23,940   SH    DEFINED      1      13,503    8,743       1,694
SBC COMMUNICATIONS, INC.       COM  78387G103        1,369       36,558   SH    DEFINED             36,158      400
SBC COMMUNICATIONS, INC.       COM  78387G103           19          510   SH    DEFINED                         510
SCHERING PLOUGH CORP.          COM  806605101          438       14,000   SH    DEFINED      2      14,000
SCHERING PLOUGH CORP.          COM  806605101          138        4,400   SH    DEFINED      2                4,400
SCHERING PLOUGH CORP.          COM  806605101        1,844       58,914   SH    DEFINED      1      58,914
SCHERING PLOUGH CORP.          COM  806605101          188        6,000   SH    DEFINED      1       6,000
SCHERING PLOUGH CORP.          COM  806605101        1,171       37,410   SH    DEFINED             37,410
SCHLUMBERGER LTD               COM  806857108        3,673       62,450   SH    DEFINED      1      62,450
SCHLUMBERGER LTD               COM  806857108          683       11,607   SH    DEFINED      2      11,607
SCHLUMBERGER LTD               COM  806857108          149        2,525   SH    DEFINED      2                2,525
SCHLUMBERGER LTD               COM  806857108        2,955       50,236   SH    DEFINED      1      50,111                  125
SCHLUMBERGER LTD               COM  806857108          191        3,240   SH    DEFINED      1       3,240
SCHLUMBERGER LTD               COM  806857108          705       11,991   SH    DEFINED             11,544                  447
SCHLUMBERGER LTD               COM  806857108           25          425   SH    DEFINED                         425
SCHOLASTIC CORPORATION         COM  807066105          439        8,102   SH    DEFINED      1       8,102
SEARS ROEBUCK & CO             COM  812387108          290        5,651   SH    DEFINED              5,651
SERVICE CORPORATION INTL       COM  817565104           27        5,000   SH    DEFINED                                   5,000
SERVICEMASTER CO               COM  81760N109          678       49,333   SH    DEFINED      1               49,333
SHONEYS INC                    COM  825039100            4       10,000   SH    DEFINED                                  10,000
SONOCO PRODUCTS COMPANY        COM  835495102          320       11,180   SH    DEFINED             11,180
SOUTHERN COMPANY               COM  842587107          606       22,873   SH    DEFINED      2      22,873
SOUTHERN COMPANY               COM  842587107          431       16,265   SH    DEFINED      2               16,265
SOUTHERN COMPANY               COM  842587107        4,463      168,465   SH    DEFINED      1     167,298                1,167
SOUTHERN COMPANY               COM  842587107          369       13,918   SH    DEFINED      1       8,928    4,990
SOUTHERN COMPANY               COM  842587107          976       36,853   SH    DEFINED             36,853
SOUTHERN COMPANY               COM  842587107          178        6,705   SH    DEFINED                       6,705
SOUTHERN COMPANY               COM  842587107        4,408      166,400   SH    DEFINED      1     166,400
SOUTHTRUST CORPORATION         COM  844730101          498       18,850   SH    DEFINED      2      18,850
SOUTHTRUST CORPORATION         COM  844730101           22          835   SH    DEFINED      2                  835
SOUTHTRUST CORPORATION         COM  844730101        2,743      103,910   SH    DEFINED      1     103,660                  250
SOUTHTRUST CORPORATION         COM  844730101          376       14,256   SH    DEFINED      1         810   13,446
SOUTHTRUST CORPORATION         COM  844730101          333       12,610   SH    DEFINED             12,610
SOUTHTRUST CORPORATION         COM  844730101            2           75   SH    DEFINED                          75
SOUTHTRUST CORPORATION         COM  844730101        3,404      128,950   SH    DEFINED      1     128,950
SPRINGWOOD RES INC             COM  851903104            0       30,000   SH    DEFINED      2      30,000
SPRINT CORPORATION SERIE       COM  852061506           64        6,218   SH    DEFINED      1       4,898                1,320
SPRINT CORPORATION SERIE       COM  852061506           41        4,000   SH    DEFINED      1       4,000
SPRINT, CORP                   COM  852061100          259       16,923   SH    DEFINED      1      12,823                4,100
SPRINT, CORP                   COM  852061100          122        8,000   SH    DEFINED      1       8,000
ST JOE PAPER                   COM  790148100           31        1,018   SH    DEFINED                                   1,018
STANDARD AND POORS TRUST       COM  78462F103          409        3,568   SH    DEFINED              3,568
STEELCASE INC. CLASS B         COM  858155401          219       12,857   SH    DEFINED             12,857
STERLING FINL CORP             COM  859319105           11          484   SH    DEFINED                                     484
STRATEGIC TECHNOLOGIES,        COM  786991109            0       38,000   SH    DEFINED      1      38,000
SUMMIT BANK CORPORATION        COM  866013105          293       18,000   SH    DEFINED      1      18,000
SUN MICROSYSTEMS, INC.         COM  866810104           14        1,600   SH    DEFINED                                   1,600
SUN MICROSYSTEMS, INC.         COM  866810104        1,377      156,100   SH    DEFINED      1     156,100
SUN MICROSYSTEMS, INC.         COM  866810104          449       50,949   SH    DEFINED      2      50,949
SUN MICROSYSTEMS, INC.         COM  866810104           73        8,275   SH    DEFINED      2                7,475         800
SUN MICROSYSTEMS, INC.         COM  866810104        1,191      135,012   SH    DEFINED      1     134,262                  750
SUN MICROSYSTEMS, INC.         COM  866810104           85        9,676   SH    DEFINED      1       5,780    3,896
SUN MICROSYSTEMS, INC.         COM  866810104          938      106,342   SH    DEFINED            106,342
SUN MICROSYSTEMS, INC.         COM  866810104            6          700   SH    DEFINED                         700
SUNTRUST BANKS INC             COM  867914103        1,930       28,922   SH    DEFINED      2      28,922
SUNTRUST BANKS INC             COM  867914103          639        9,572   SH    DEFINED      2                9,140         432
SUNTRUST BANKS INC             COM  867914103       16,043      240,412   SH    DEFINED      1     240,412
SUNTRUST BANKS INC             COM  867914103          834       12,496   SH    DEFINED      1       1,000   11,496
SYNOVUS FINANCIAL CORP.        COM  87161C105       19,700      646,329   SH    DEFINED      2     646,329
SYNOVUS FINANCIAL CORP.        COM  87161C105          786       25,771   SH    DEFINED      2      25,771
SYNOVUS FINANCIAL CORP.        COM  87161C105    1,196,556   39,257,337   SH    DEFINED      1  37,274,768   37,150   1,945,419
SYNOVUS FINANCIAL CORP.        COM  87161C105       25,834      847,586   SH    DEFINED      1      12,150  715,343     120,093
SYNOVUS FINANCIAL CORP.        COM  87161C105        4,771      156,534   SH    DEFINED             37,635   31,874      87,025
SYNOVUS FINANCIAL CORP.        COM  87161C105        7,538      247,308   SH    DEFINED            247,308
SYSCO CORP                     COM  871829107          289        9,700   SH    DEFINED      1       9,700
TARGET CORP                    COM  87612E106        1,401       32,500   SH    DEFINED      2      32,500
TARGET CORP                    COM  87612E106          439       10,175   SH    DEFINED      2         400    9,775
TARGET CORP                    COM  87612E106        4,042       93,742   SH    DEFINED      1      92,422                1,320
TARGET CORP                    COM  87612E106           39          895   SH    DEFINED      1         895
TARGET CORP                    COM  87612E106        1,350       31,318   SH    DEFINED             31,318
TARGET CORP                    COM  87612E106           34          800   SH    DEFINED                         800
TARGET CORP                    COM  87612E106        6,321      146,600   SH    DEFINED      1     146,600
TECO ENERGY INC.               COM  872375100          563       19,662   SH    DEFINED      2      19,662
TECO ENERGY INC.               COM  872375100          180        6,300   SH    DEFINED      2       3,300    3,000
TELLABS INCORPORATED           COM  879664100          999       95,400   SH    DEFINED      1      95,400
TELLABS, INC. DELEWARE         COM  879664100          304       29,039   SH    DEFINED      1      28,639                  400
TELLABS, INC. DELEWARE         COM  879664100            6          585   SH    DEFINED      1         585
TELLABS, INC. DELEWARE         COM  879664100          189       18,005   SH    DEFINED             18,005
TELLABS, INC. DELEWARE         COM  879664100            3          250   SH    DEFINED                         250
TENET HEALTHCARE CORPORA       COM  88033G100          201        3,000   SH    DEFINED      2                3,000
TEXAS INSTRUMENTS INC          COM  882508104          549       16,575   SH    DEFINED      2      16,575
TEXAS INSTRUMENTS INC          COM  882508104           13          400   SH    DEFINED      2                  400
TEXAS INSTRUMENTS INC          COM  882508104          674       20,361   SH    DEFINED      1      18,761                1,600
TEXAS INSTRUMENTS INC          COM  882508104           58        1,750   SH    DEFINED      1         100    1,650
TEXAS INSTRUMENTS INC          COM  882508104          318        9,600   SH    DEFINED              9,600
TIDEWATER, INC.                COM  886423102          212        5,000   SH    DEFINED      1       5,000
TOMPKINS TRUST CO INC          COM  890110109          104        2,475   SH    DEFINED                                   2,475
TORCHMARK CORPORATION          COM  891027104          323        8,008   SH    DEFINED      2                8,008
TORCHMARK CORPORATION          COM  891027104          904       22,437   SH    DEFINED      1      22,437
TORCHMARK CORPORATION          COM  891027104          320        7,944   SH    DEFINED              7,944
TOTAL SYSTEM SERVICES, I       COM  891906109       48,355    1,922,673   SH    DEFINED      1   1,883,122               39,551
TOTAL SYSTEM SERVICES, I       COM  891906109        5,867      233,290   SH    DEFINED      1              227,240       6,050
TOTAL SYSTEM SERVICES, I       COM  891906109           38        1,500   SH    DEFINED                                   1,500
TOTAL SYSTEM SERVICES, I       COM  891906109            3          100   SH    DEFINED      2         100
TRICON GLOBAL RESTAURANT       COM  895953107          288        4,903   SH    DEFINED      1       4,903
TRICON GLOBAL RESTAURANT       COM  895953107            9          150   SH    DEFINED      1         150
TRICON GLOBAL RESTAURANT       COM  895953107          207        3,519   SH    DEFINED              3,489       30
TRICON GLOBAL RESTAURANT       COM  895953107        2,451       41,700   SH    DEFINED      1      41,700
TYCO INTERNATIONAL LIMIT       COM  902124106        1,138       35,204   SH    DEFINED      2      34,904                  300
TYCO INTERNATIONAL LIMIT       COM  902124106          281        8,700   SH    DEFINED      2                8,700
TYCO INTERNATIONAL LIMIT       COM  902124106        2,404       74,387   SH    DEFINED      1      73,662                  725
TYCO INTERNATIONAL LIMIT       COM  902124106           24          735   SH    DEFINED      1         735
TYCO INTERNATIONAL LIMIT       COM  902124106          595       18,413   SH    DEFINED             18,413
TYCO INTERNATIONAL LIMIT       COM  902124106           14          425   SH    DEFINED                         425
TYCO INTERNATIONAL LIMIT       COM  902124106        5,275      163,200   SH    DEFINED      1     163,200
TYCO INTERNATIONAL LIMIT       COM  902124106           16          501   SH    DEFINED                                     501
U S BANCORP DEL COM            COM  902973304           11          489   SH    DEFINED                                     489
U S BANCORP DEL COM            COM  902973304          537       23,803   SH    DEFINED      1      23,803
U S BANCORP DEL COM            COM  902973304          109        4,829   SH    DEFINED      1                4,150         679
UNITED TECHNOLOGIES CORP       COM  913017109          588        7,921   SH    DEFINED      2       7,921
UNITED TECHNOLOGIES CORP       COM  913017109           86        1,155   SH    DEFINED      2                1,155
UNITED TECHNOLOGIES CORP       COM  913017109        3,077       41,472   SH    DEFINED      1      41,147                  325
UNITED TECHNOLOGIES CORP       COM  913017109           42          560   SH    DEFINED      1         410      150
UNITED TECHNOLOGIES CORP       COM  913017109          872       11,758   SH    DEFINED             11,383                  375
UNITED TECHNOLOGIES CORP       COM  913017109            4           50   SH    DEFINED                          50
UNITED TECHNOLOGIES CORP       COM  913017109        4,782       64,450   SH    DEFINED      1      64,450
VERIZON COMMUNICATIONS         COM  92343V104        1,976       42,874   SH    DEFINED      2      42,524                  350
VERIZON COMMUNICATIONS         COM  92343V104          475       10,293   SH    DEFINED      2         900    8,757         636
VERIZON COMMUNICATIONS         COM  92343V104        7,050      152,918   SH    DEFINED      1     152,191                  727
VERIZON COMMUNICATIONS         COM  92343V104        1,205       26,130   SH    DEFINED      1       9,293   15,499       1,338
VERIZON COMMUNICATIONS         COM  92343V104          658       14,273   SH    DEFINED             14,273
VERIZON COMMUNICATIONS         COM  92343V104          110        2,382   SH    DEFINED              2,332       50
VERIZON COMMUNICATIONS         COM  92343V104        3,742       81,962   SH    DEFINED      1      81,962
VIACOM INC NON-VOTING CO       COM  925524308           24          496   SH    DEFINED      1         496
VIACOM INC NON-VOTING CO       COM  925524308          420        8,680   SH    DEFINED      1       8,680
VIVENDI UNIVERSAL SPONSO       COM  92851S204          172        4,480   SH    DEFINED      2       4,480
VIVENDI UNIVERSAL SPONSO       COM  92851S204          112        2,900   SH    DEFINED      2                2,900
VULCAN MATERIALS CO            COM  929160109          932       19,600   SH    DEFINED             19,600
WACHOVIA CORP 2ND NEW          COM  929903102          206        5,554   SH    DEFINED      2       5,554
WACHOVIA CORP 2ND NEW          COM  929903102          645       17,400   SH    DEFINED      2         400   17,000
WACHOVIA CORP 2ND NEW          COM  929903102        3,828      103,230   SH    DEFINED      1     102,380                  850
WACHOVIA CORP 2ND NEW          COM  929903102          917       24,720   SH    DEFINED      1       5,000    9,852       9,868
WADDELL AND REED FINANCI       COM  930059100          321       10,523   SH    DEFINED      1      10,523
WALGREEN COMPANY               COM  931422109          456       11,646   SH    DEFINED      2      11,646
WALGREEN COMPANY               COM  931422109           45        1,150   SH    DEFINED      2                1,150
WAL-MART STORES, INC.          COM  931142103           25          400   SH    DEFINED                                     400
WAL-MART STORES, INC.          COM  931142103        4,407       71,900   SH    DEFINED      1      71,900
WAL-MART STORES, INC.          COM  931142103        4,437       72,382   SH    DEFINED      2      71,282      800         300
WAL-MART STORES, INC.          COM  931142103          441        7,200   SH    DEFINED      2                7,200
WAL-MART STORES, INC.          COM  931142103        4,930       80,423   SH    DEFINED      1      80,390                   33
WAL-MART STORES, INC.          COM  931142103          953       15,541   SH    DEFINED      1       6,625    7,696       1,220
WAL-MART STORES, INC.          COM  931142103        3,594       58,636   SH    DEFINED             58,636
WAL-MART STORES, INC.          COM  931142103           12          200   SH    DEFINED                         200
WALT DISNEY COMPANY HOLD       COM  254687106          914       39,593   SH    DEFINED      2      39,593
WALT DISNEY COMPANY HOLD       COM  254687106          128        5,565   SH    DEFINED      2                5,565
WALT DISNEY COMPANY HOLD       COM  254687106          840       36,383   SH    DEFINED      1      35,658                  725
WALT DISNEY COMPANY HOLD       COM  254687106          206        8,935   SH    DEFINED      1       7,000    1,935
WALT DISNEY COMPANY HOLD       COM  254687106          641       27,782   SH    DEFINED             27,782
WALT DISNEY COMPANY HOLD       COM  254687106           16          705   SH    DEFINED                         705
WASHINGTON MUTUAL, INC.        COM  939322103          111        3,360   SH    DEFINED      2       3,360
WASHINGTON MUTUAL, INC.        COM  939322103          252        7,615   SH    DEFINED      2                7,615
WEBSTER FINANCIAL CORP         COM  947890109           46        1,216   SH    DEFINED                                   1,216
WELLPOINT HEALTH NETWORK       COM  94973H108          277        4,350   SH    DEFINED      1       4,350
WELLS FARGO & CO.              COM  949746101           16          334   SH    DEFINED                                     334
WELLS FARGO & COMPANY NE       COM  949746101          235        4,750   SH    DEFINED      2       4,750
WELLS FARGO & COMPANY NE       COM  949746101           42          850   SH    DEFINED      2                  850
WEYERHAEUSER CO                COM  962166104          303        4,828   SH    DEFINED      1       4,828
WEYERHAEUSER CO                COM  962166104          144        2,286   SH    DEFINED      1         330      325       1,631
WILSHIRE ST BANK               COM  97200A101           13          660   SH    DEFINED                                     660
WINN-DIXIE STORES, INC.        COM  974280109          114        7,132   SH    DEFINED      2       7,132
WINN-DIXIE STORES, INC.        COM  974280109          513       31,996   SH    DEFINED      2      31,996
WINN-DIXIE STORES, INC.        COM  974280109          637       39,712   SH    DEFINED      1      39,712
WORLDCOM INC. GA NEW           COM  98157D106        1,149      170,450   SH    DEFINED      1     170,450
WORLDCOM INC. GA NEW           COM  98157D106          312       46,225   SH    DEFINED      2      46,225
WORLDCOM INC. GA NEW           COM  98157D106           48        7,135   SH    DEFINED      2                7,135
WORLDCOM INC. GA NEW           COM  98157D106          822      121,953   SH    DEFINED      1     119,953                2,000
WORLDCOM INC. GA NEW           COM  98157D106           11        1,615   SH    DEFINED      1       1,270      345
WORLDCOM INC. GA NEW           COM  98157D106          214       31,807   SH    DEFINED             31,807
WORLDCOM INC. GA NEW           COM  98157D106            7        1,104   SH    DEFINED                       1,104
WYETH                          COM  983024100        1,063       16,195   SH    DEFINED      2      16,195
WYETH                          COM  983024100        1,037       15,800   SH    DEFINED      2               14,600       1,200
WYETH                          COM  983024100        2,192       33,391   SH    DEFINED      1      32,661                  730
WYETH                          COM  983024100          249        3,800   SH    DEFINED      1                3,800
WYETH                          COM  983024100          597        9,100   SH    DEFINED              9,100
WYETH                          COM  983024100           23          350   SH    DEFINED                         350
XILINX INC                     COM  983919101          108        2,700   SH    DEFINED      2       2,700
XILINX INC                     COM  983919101          123        3,075   SH    DEFINED      2                3,075
ZIMMER HOLDINGS INC.           COM  98956P102           62        1,815   SH    DEFINED      1       1,815
ZIMMER HOLDINGS INC.           COM  98956P102          171        5,011   SH    DEFINED      1       4,065      666         280