Washington, D.C. 20549

                                    Form 8-K

                                 CURRENT REPORT

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

                                  July 16, 2003
                            (Earliest Event Reported)

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

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

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

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

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

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

         (a) Financial Statements - None.

         (b) Pro Forma Financial Information - None.

         (c) Exhibits

             99.1 - Registrant's press release dated July 16, 2003.

             99.2 - Supplemental Information prepared for use with the press

Item 9.  Regulation FD Disclosure.
------   ------------------------

         The Registrant is furnishing the information required by Item 12 of
Form 8-K, "Results of Operation and Financial Condition," under this Item 9 in
accordance with SEC Release No. 33-8216.

         On July 16, 2003, the Registrant issued a press release and will hold
an investor call and webcast to disclose financial results for the second
quarter ended June 30, 2003. The press release and Supplemental Information for
use at this investor call are furnished herewith as Exhibits 99.1 and 99.2 and
incorporated by reference in Item 9. All information in the Supplemental
Information is presented as of June 30, 2003, and the Registrant does not assume
any obligation to correct or update said information in the future.



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

                                             SYNOVUS FINANCIAL CORP.

Dated: July 16, 2003                         By:/s/ Kathleen Moates
       -----------------------------             -------------------------------
                                                  Kathleen Moates
                                                  Senior Deputy General Counsel