Washington, D.C. 20549

                                    Form 8-K

                                 CURRENT REPORT

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

                                  July 21, 2004
                                 Date of Report
                        (Date of 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)

               1111 Bay Avenue, Suite 500, Columbus, Georgia 31901
               (Address of principal executive offices) (Zip Code)

                                 (706) 649-2267
              (Registrant's telephone number, including area code)

              901 Front Avenue, Suite 301, Columbus, Georgia 31901
         (Former name or former address, if changed since last report)

Item 7.  Financial Statements and Exhibits.
-------  ---------------------------------

         (c)   Exhibits

               99.1 - Registrant's press release dated July 21, 2004
                     (furnished for purposes of Items 9 and 12).

               99.2 - Supplemental Information prepared for use with
                      the press release (furnished for purposes of Items
                      9 and 12).

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

Item 12. Results of Operations and Financial Condition.
-------- ---------------------------------------------

         The following information is furnished pursuant to Item 9, "Regulation
FD Disclosure" and Item 12, "Results of Operations and Financial Condition."

         On July 21, 2004, Synovus Financial Corp. ("Registrant") issued a press
release and will hold an investor call and webcast to disclose financial results
for the second quarter ended June 30, 2004. The press release and Supplemental
Information for use at this investor call are furnished herewith as Exhibits
99.1 and 99.2 and incorporated into Item 9 and Item 12 by reference.



         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 21, 2004                        By:/s/ Kathleen Moates
       ---------------                         --------------------------------
                                               Kathleen Moates
                                               Senior Deputy General Counsel