FORM 10-Q/A

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


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



                For the Quarterly Period Ended September 30, 1999
                         Commission File Number 1-10312


   [LOGO]       SYNOVUS FINANCIAL CORP.
                (Exact name of registrant as specified in its charter)


   Georgia                                                    58-1134883
   (State or other jurisdiction of                        (I.R.S. Employer
    incorporation or organization)                         Identification No.)

                                901 Front Avenue
                                  P. O. Box 120
                             Columbus, Georgia 31902
                    (Address of principal executive offices)


                                 (706) 649-2401
              (Registrants' telephone number, including area code)


       Indicate by check mark whether the registrant (1) has filed all reports
       required to be filed by Sections 13 or 15(d) of the Securities Exchange
       Act of 1934 during the preceding 12 months (or for such shorter period
       that the registrant was required to file such reports), and (2) has been
       subject to such filing requirements for the past 90 days.

                   YES    X      NO_________


       At October 31, 1999, 279,805,942 shares of the Registrant's Common Stock,
       $1.00 par value, were outstanding.



                                   SIGNATURES

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


                                        SYNOVUS FINANCIAL CORP.


Date:  December 1, 1999                BY: /s/ Thomas J. Prescott
                                           ----------------------------
                                           Thomas J. Prescott
                                           Executive Vice President and
                                           Chief Financial Officer




                                     INDEX TO EXHIBITS


Exhibit Number         Description

                10     Employment Agreement of James H. Blanchard

                11     Statement re Computation of Per Share Earnings

                27     Financial Data Schedule (for SEC purposes
                       only, not enclosed herewith)

                27.1   Restated Financial Data Schedules
                       for six months ending June 30, 1999
                       (for SEC purposes only, not
                        enclosed herewith)

                27.2   Restated Financial Data Schedules
                       for twelve months ending December 31, 1998
                       (for SEC purposes only, not
                        enclosed herewith)

                27.3   Restated Financial Data Schedules
                       for twelve months ending December 31, 1997
                       (for SEC purposes only, not
                        enclosed herewith)

                27.4   Restated Financial Data Schedule
                       for twelve months ending December 31, 1996
                       (for SEC purposes only, not
                        enclosed herewith)