<DOCUMENT>
<TYPE>11-K
<SEQUENCE>1
<FILENAME>elevenk00.txt
<DESCRIPTION>401(K) SAVINGS & PROFIT SHARING PLAN FOR 2000
<TEXT>

<PAGE>



                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20549


                               ----------------


                                  FORM 11-K



                  ANNUAL REPORT PURSUANT TO SECTION 15(d) OF
                     THE SECURITIES EXCHANGE ACT OF 1934




                     For the year ended December 31, 2000




                        AFLAC INCORPORATED 401(k) SAVINGS
                            AND PROFIT SHARING PLAN

                               1932 Wynnton Road
                            Columbus, Georgia 31999




     Pursuant to the requirements of the Securities Exchange Act of 1934,
the trustees (or other persons who administer the employee benefit plan)
have duly caused this report to be signed on its behalf by the undersigned
hereunto duly authorized.


                                  AFLAC INCORPORATED 401(k) SAVINGS AND
                                   PROFIT SHARING PLAN



Date:  June 19, 2001              By:  /s/ Peter T. Adams, CPA
                                      ----------------------------------
                                       Peter T. Adams, CPA
                                       Vice President,
                                       Human Resources - Support








<PAGE>

         AFLAC INCORPORATED 401(k) SAVINGS AND PROFIT SHARING PLAN



                             Table of Contents
                             -----------------
                                                                    Page
                                                                    ----


Independent Auditors' Report                                           1

Statements of Net Assets Available for Plan Benefits                   2

Statements of Changes in Net Assets Available for
  Plan Benefits                                                        3

Notes to Financial Statements                                        4-7

Schedule of Assets Held for Investment Purposes                        8

Exhibit 23 - Independent Auditors' Consent                             9



































                                     i
<PAGE>



                           INDEPENDENT AUDITORS' REPORT


The Pension Committee
AFLAC Incorporated 401(k) Savings
      and Profit Sharing Plan:


We have audited the accompanying statements of net assets available for plan
benefits of the AFLAC Incorporated 401(k) Savings and Profit Sharing Plan
(the Plan) as of December 31, 2000 and 1999, and the related statements of
changes in net assets available for plan benefits for the years then ended.
These financial statements are the responsibility of the Plan's management.
Our responsibility is to express an opinion on these financial statements
based on our audits.

We conducted our audits in accordance with auditing standards generally
accepted in the United States of America.  Those standards require that we
plan and perform the audit to obtain reasonable assurance about whether the
financial statements are free of material misstatement.  An audit includes
examining, on a test basis, evidence supporting the amounts and disclosures
in the financial statements. An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as
evaluating the overall financial statement presentation.  We believe that
our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly,
in all material respects, the net assets available for plan benefits of the
AFLAC Incorporated 401(k) Savings and Profit Sharing Plan at December 31,
2000 and 1999, and the changes in net assets available for plan benefits for
the years then ended in conformity with accounting principles generally
accepted in the United States of America.

Our audits were performed for the purpose of forming an opinion on the basic
financial statements of the AFLAC Incorporated 401(k) Savings and Profit
Sharing Plan taken as a whole. The supplementary information included in
Schedule 1 is presented for the purpose of additional analysis and is not a
required part of the basic financial statements but is supplementary
information required by the Department of Labor's Rules and Regulations for
Reporting and Disclosure under the Employee Retirement Income Security Act
of 1974. This supplemental schedule is the responsibility of the Plan's
management.  Such information has been subjected to the auditing procedures
applied in the audits of the basic financial statements and, in our opinion,
is fairly stated in all material respects in relation to the basic financial
statements taken as a whole.



                                              KPMG LLP


June 8, 2001
Atlanta, Georgia


                                     1
<PAGE>

          AFLAC INCORPORATED 401(k) SAVINGS AND PROFIT SHARING PLAN

            Statements of Net Assets Available for Plan Benefits

                                December 31,


                                                    2000            1999
                                                 ----------      ----------

Assets:
  Investments (Note 5)                         $ 87,195,546    $ 62,249,962
  Cash                                              342,023         832,824
                                                -----------     -----------

         Total assets                            87,537,569      63,082,786
                                                -----------     -----------

Liabilities:
  Excess employee contributions payable              70,576          20,258
  Other                                             285,143         221,831
                                                -----------     -----------

         Total liabilities                          355,719         242,089
                                                -----------     -----------

         Net assets available for
          plan benefits                        $ 87,181,850    $ 62,840,697
                                                ===========     ===========


See accompanying Notes to Financial Statements.

























                                     2
<PAGE>

         AFLAC INCORPORATED 401(k) SAVINGS AND PROFIT SHARING PLAN

      Statements of Changes in Net Assets Available for Plan Benefits

                          Years ended December 31,


                                                2000               1999
                                             ----------         ----------

Contributions:
  Participant withholdings                 $  4,855,022       $  4,494,860
  Participant transfers
   from other plans                             462,320            636,852
  Employer matching                           2,098,263          1,860,937
                                            -----------        -----------
    Total contributions                       7,415,605          6,992,649

Interest and dividend income                  4,211,306          2,012,276
Net appreciation in fair value
 of investments (Note 5)                     16,093,754          4,055,148
Distributions to participants                (3,239,583)        (2,961,928)
Forfeitures                                    (139,929)           (22,642)
                                            -----------        -----------
    Increase in net assets                   24,341,153         10,075,503

Net assets available
 for plan benefits:
  Beginning of year                          62,840,697         52,765,194
                                            -----------        -----------

  End of year                              $ 87,181,850       $ 62,840,697
                                            ===========        ===========


See accompanying Notes to Financial Statements.





















                                     3
<PAGE>


         AFLAC INCORPORATED 401(k) SAVINGS AND PROFIT SHARING PLAN

                       Notes to Financial Statements
                        December 31, 2000 and 1999


(1)  DESCRIPTION OF THE PLAN

     The AFLAC Incorporated 401(k) Savings and Profit Sharing Plan (the
Plan) was established for the benefit of the employees of AFLAC Incorporated
and related companies, American Family Life Assurance Company of Columbus
(excluding Japan Branch employees), American Family Life Assurance Company
of New York, AFLAC International, Inc., and Communicorp, Inc. (collectively
"the Company").

     The following description provides only general information.
Participants should refer to the Plan agreement for a more complete
description of the Plan's provisions.

     (a)  GENERAL.

          The Plan is subject to certain provisions of the Employee
          Retirement Income Security Act of 1974 (ERISA).

          Eligible employees may voluntarily participate in the Plan
          on the first day of the month which coincides with or next
          follows the completion of thirty days of employment.

          The Plan is administered by a plan administrator appointed by
          AFLAC Incorporated's Board of Directors.  All Plan expenses are
          paid by the Company.

     (b)  CONTRIBUTIONS.

          Contributions to the Plan are made by both participants and the
          Company.  For the years 2000 and 1999, participants could
          contribute through payroll deductions from 1% to 22% of their
          aggregate compensation, subject to certain limitations.  The first
          1% to 6% of participants' compensation contributed may be subject
          to a percentage matching contribution by the Company.  For the
          years ended December 31, 2000 and 1999, subject to certain
          limitations, the Company's matching contribution was 50% of the
          portion of the participants' contributions, which were not in
          excess of 6% of the participants'compensation.

     (c)  PARTICIPANT ACCOUNTS.

          An account is maintained for each participant and is credited
          with participant contributions and investment earnings/losses
          thereon.  Contributions may be invested in one or more of the
          investment funds available under the Plan at the direction of
          the participant.  A separate account is maintained with respect
          to each participant's interest in the Company's matching
          contributions.  Amounts in this account are apportioned and
          invested in the same manner as the participant's account.

                                     4
<PAGE>

     (d)  VESTING.

          Participants are 100% vested in their contributions plus actual
          investment earnings/losses thereon.

          Participants become vested in the Company's contribution
          according to the following schedule.

                    Years of Service       Vested Percentage
                    ----------------       -----------------
                       Less than 1                 0%
                           1                      20%
                           2                      40%
                           3                      60%
                           4                      80%
                       5 or more                 100%

          A participant's interest in the Company's contributions is also
          vested upon termination either because of death or disability or
          after attaining his/her early retirement date or normal
          retirement age.  Participants forfeit the portion of their
          interest which is not vested upon termination of employment.
          These forfeitures are available to reduce the Company's future
          matching contribution.

     (e)  DISTRIBUTIONS.

          Participants may receive a distribution equal to the vested value
          of their account upon death, disability, retirement, or
          termination of either the participant's employment or the Plan.
          Distributions may only be made in the form of a lump-sum cash
          payment and/or AFLAC Incorporated common stock.

          The Plan permits in-service withdrawals for a participant who
          is 100% vested in the Company's contribution and has attained
          age 60.

     (f)  LOANS

          Participants are allowed to borrow from their accounts.  The
          minimum amount of any loan is $1,000.  The maximum amount of any
          loan is such that when the amount of the loan is added to the
          outstanding balance of all other loans made to the participant
          from the Plan (and any other plans maintained by the employer or
          any related companies) the total does not exceed the lesser of:

            a. 50% of the participant's vested accrued benefit (as
               defined in the Plan); or

            b. $50,000, reduced by the amount, if any, of the highest
               balance of all outstanding loans to the participant
               during the one-year period ending on the day prior to
               the day on which the loan is made.




                                     5
<PAGE>

     (g)  AGREEMENTS WITH TRUSTEE.

          The assets of the Plan are held in a trust maintained by Charles
          Schwab Trust Company.


(2)  SUMMARY OF ACCOUNTING POLICIES

     (a)  BASIS OF PRESENTATION.

          The accompanying statements of net assets available for plan
          benefits and changes in net assets available for plan benefits
          have been prepared on the accrual basis of accounting.

          The preparation of financial statements in conformity with
          accounting principles generally accepted in the United States of
          America requires management to make estimates and assumptions that
          affect the reported amounts of net assets available for plan
          benefits and changes therein.  Actual results could differ from
          those estimates.

     (b)  INVESTMENTS.

          Investments are stated at fair value based upon quotations
          obtained from national security exchanges or the value as
          determined by the managers of the money market and mutual funds.
          Securities transactions are accounted for on the trade date (the
          date the order to buy or sell is executed).  Realized gains and
          losses on the sale of investments are calculated based on the
          difference between selling price and cost on an average cost
          basis.


(3)  FEDERAL INCOME TAXES

     The Internal Revenue Service has determined and informed the Company by
letter dated August 7, 1997, that the Plan and related trust are in
accordance with applicable sections of the Internal Revenue Code.

     Participants in the Plan are not subject to federal income taxes on
their contributions, on amounts contributed by the employer, or on earnings
or appreciation of investments held by the Plan until withdrawn by the
participant or distributed to the participant's named beneficiary in the
event of death.


(4)  PLAN TERMINATION

     Although it has not expressed any intent to do so, the Company has the
right to terminate the Plan at any time subject to the provisions of ERISA.
In the event of Plan termination, participants would become 100% vested in
their accounts.





                                     6
<PAGE>

(5)  INVESTMENT FUNDS

     The following table presents the fair value of individual investments
which exceed 5% of the Plan's net assets:

                                               2000              1999
                                            ----------        ----------

Mutual Funds:
  Davis New York Venture A Fund            $ 7,190,006       $ 5,984,681
  Dodge & Cox Balanced Fund                  5,661,243         4,348,347
  Dodge & Cox Stock Fund                     9,355,355         8,083,217
  Alliance Premier Growth Fund               3,736,813         3,516,749
AFLAC Incorporated common stock             51,887,855        33,671,538



     During 2000 and 1999, the Plan's investments (including gains and
losses on investments bought and sold, as well as held during the year)
appreciated (depreciated) in value as follows:

                                               2000              1999
                                            ----------        ----------

Mutual Funds                               $(2,085,397)      $ 1,921,751

Common Stock                                18,179,151         2,133,397
                                            ----------        ----------
  Total Investments                        $16,093,754       $ 4,055,148
                                            ==========        ==========



























                                     7
<PAGE>

                                                              Schedule 1

           AFLAC INCORPORATED 401(k) SAVINGS AND PROFIT SHARING PLAN

               Schedule of Assets Held for Investment Purposes

                               December 31, 2000


  Description                                               Current Value
---------------                                             -------------

Money Market Funds
------------------
Schwab Institutional
  Advantage Money Fund*                                      $  3,086,039
                                                              -----------


Mutual Funds
------------
Alliance Premier Growth Fund                                    3,736,813
Columbia Fixed Income
  Securities Fund                                                 770,103
Davis New York Venture A Fund                                   7,190,006
Dodge & Cox Balanced Fund                                       5,661,243
Dodge & Cox Stock Fund                                          9,355,355
Invesco Dynamics Fund                                             397,267
Julius Baer International Equity A Fund                           954,509
Rydex Series Trust OTC Inv Fund                                   443,660
Schwab S&P 500 Investors Fund*                                    617,571
                                                              -----------
     Total Mutual Funds                                        29,126,527
                                                              -----------

AFLAC Incorporated common stock*                               51,887,855

Participant loans receivable (with varying interest
  rates and maturity dates)                                     3,095,125
                                                              -----------

Total Investments                                            $ 87,195,546
                                                              ===========



* Indicates party-in-interest per ERISA Section 406.










                                     8















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