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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 7va+bSZX87LEU+tHEcm1mg==

<SEC-DOCUMENT>/in/edgar/work/0000004977-00-500029/0000004977-00-500029.txt : 20001006
<SEC-HEADER>0000004977-00-500029.hdr.sgml : 20001006
ACCESSION NUMBER:		0000004977-00-500029
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20000930
FILED AS OF DATE:		20001005

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AFLAC INC
		CENTRAL INDEX KEY:			0000004977
		STANDARD INDUSTRIAL CLASSIFICATION:	 [6321
]		IRS NUMBER:				581167100
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231
</COMPANY-DATA>

		FILING VALUES:
			FORM TYPE:		4
			SEC ACT:		
			SEC FILE NUMBER:	001-07434
			FILM NUMBER:		735299
</FILING-VALUES>

			BUSINESS ADDRESS:	
				STREET 1:		1932 WYNNTON RD
				CITY:			COLUMBUS
				STATE:			GA
				ZIP:			31999
				BUSINESS PHONE:		7063233431
</BUSINESS-ADDRESS>

				FORMER COMPANY:	
					FORMER CONFORMED NAME:	AMERICAN FAMILY CORP
					DATE OF NAME CHANGE:	19920306
</FORMER-COMPANY>
</SUBJECT-COMPANY>
<REPORTING-OWNER>

					COMPANY DATA:	
						COMPANY CONFORMED NAME:			STEGMAN GARY L
						CENTRAL INDEX KEY:			0001075309
						STANDARD INDUSTRIAL CLASSIFICATION:	 [
]<RELATIONSHIP>OFFICER
</COMPANY-DATA>

						FILING VALUES:
							FORM TYPE:		4
</FILING-VALUES>

							BUSINESS ADDRESS:	
								STREET 1:		1932 WYNNTON ROAD
								CITY:			COLUMBUS
								STATE:			GA
								ZIP:			31999
								BUSINESS PHONE:		7065963499
</BUSINESS-ADDRESS>

								MAIL ADDRESS:	
									STREET 1:		1932 WYNNTON ROAD
									CITY:			COLUMBUS
									STATE:			GA
									ZIP:			31999
</MAIL-ADDRESS>
</REPORTING-OWNER>
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>0001.txt
<TEXT>

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

FORM 4
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

[ ] Check this box if no longer subject to Section 16.
    Form 4 or Form 5 obligations may continue.
1. Name and Address of Reporting Person(s)
   Stegman, Gary L.
   6232 Seaton Dr.


   Columbus, GA  31909
2. Issuer Name and Ticker or Trading Symbol
   AFLAC INCORPORATED (AFL)
3. I.R.S. Identification Number of Reporting Person, if an entity (Voluntary)

4. Statement for Month/Year
   09/00
5. If Amendment, Date of Original (Month/Year)
6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
   [ ] Director                   [ ] 10% Owner
   [X] Officer (give title below) [ ] Other (specify below)
   Sr. Vice-President
7. Individual or Joint/Group Filing (Check Applicable Line)
   [X] Form filed by One Reporting Person
   [ ] Form filed by More than One Reporting Person

<TABLE>
<CAPTION>
Table I   Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
- ------------------------------------------------------------------------------------------------------------------------------------
1)Title of Security                           2)Trans-    3.Trans- 4.Securities Acquired(A)      5)Amount of    6)  7)Nature of
                                              action      action   or Disposed of (D)            Securities         Indirect
                                              Date        Code                   A               Beneficially   D   Beneficial
                                              (Month/                            or              Owned at       or  Ownership
                                              Day/Year)   Code V   Amount        D  Price        End of Month   I
- ------------------------------------------------------------------------------------------------------------------------------------
<S>                                           <C>         <C>      <C>           <C><C>          <C>            <C><C>
Common Stock                                  09/08/00    S        6,291         D  $59.8125     97,869         D  Direct
Common Stock                                                                                     1,271          I  401(K) Plan

<CAPTION>
Table II (PART 1)  Derivative Securities Acquired, Disposed of, or Beneficially Owned  (Columns 1 through 6)
- ------------------------------------------------------------------------------------------------------------------------------------
1)Title of Derivative          2)Conversion    3)Trans-       4)Trans-  5)Number of Derivative            6)Date Exercisable and
Security                       or Exercise     action         action    Securities Acquired (A)           Expiration Date
                               Price of        Date           Code      or Disposed of (D)
                               Derivative
                               Security                       Code  V   A                D                Exercisable  Expiration
- ------------------------------------------------------------------------------------------------------------------------------------
<S>                            <C>             <C>            <C>       <C>              <C>              <C>          <C>

<CAPTION>
Table II (PART 2)  Derivative Securities Acquired, Disposed of, or Beneficially Owned  (Columns 1,3 and 7 through 11)
- ------------------------------------------------------------------------------------------------------------------------------------
1)Title of Derivative          3)Trans-  7)Title and Amount                           8)Price     9)Number of   10) 11)Nature of
Security                       action    of Underlying                                of Deri-    Derivative        Indirect
                               Date      Securities                                   vative      Securities    D   Beneficial
                                                                        Amount or     Security    Beneficially  or  Ownership
                                                                        Number of                 Owned at      I
                  -                      Title                          Shares                    End of Month
- ------------------------------------------------------------------------------------------------------------------------------------
<S>                            <C>       <C>                            <C>           <C>         <C>           <C> <C>

<FN>
Explanation of Responses:


</FN>
</TABLE>
SIGNATURE OF REPORTING PERSON
/S/ By: Patricia A. Bell
    For: Gary L. Stegman
DATE
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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