<DOCUMENT>
<TYPE>EX-11
<SEQUENCE>2
<FILENAME>exhibit11.txt
<DESCRIPTION>EXHIBIT 11 EARNINGS PER SHARE
<TEXT>

                                   EXHIBIT 11

                            SYNOVUS FINANCIAL CORP.

                           COMPUTATION OF NET INCOME
                                PER COMMON SHARE
                     (In thousands, except per share data)
                                  (Unaudited)
<TABLE>
<CAPTION>

                        Three Months Ended September 30, 2000   Three Months Ended September 30, 1999
                        -------------------------------------   --------------------------------------
                           Net       Average    Net Income         Net       Average    Net Income
                          Income      Shares     per Share        Income      Shares    Per Share
                        ----------   --------   -------------   ----------   ---------  --------------
<S>                   <C>            <C>        <C>             <C>          <C>        <C>
EPS - Basic           $    64,731     284,149   $     0.23    $    58,005     279,694   $    0.21


Effect of dilutive
   options                             3,243                                   3,112
                        ----------   --------                   ----------   ---------


EPS - Diluted         $    64,731     287,392   $     0.23    $    58,005     282,806   $    0.21
                        ==========   ========   =============   ==========   =========  ==============



                        Nine Months Ended September 30, 2000    Nine Months Ended September 30, 1999
                       -------------------------------------    -------------------------------------
                           Net       Average    Net Income         Net       Average    Net Income
                          Income      Shares     Per Share        Income      Shares    Per Share
                        ----------   --------   -------------   ----------   ---------  --------------


EPS - Basic           $   187,875     283,260   $     0.66    $   162,051     279,381   $    0.58


Effect of dilutive
   options                              3,059                                   3,289
                        ----------   --------                   ----------   ---------


EPS - Diluted         $   187,875     286,319   $     0.66    $   162,051     282,670   $    0.57
                        ==========   ========   =============   ==========   =========  ==============

</TABLE>




</TEXT>
</DOCUMENT>
