<DOCUMENT>
<TYPE>EX-11
<SEQUENCE>3
<FILENAME>ex11.txt
<DESCRIPTION>COMPUTATION OF NET INCOME PER COMMON 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 March 31, 2002               Three Months Ended March 31, 2001
                                       ------------------------------------------       ------------------------------------------
                                         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                            $  82,752         294,927       $    0.28       $  71,885         287,707       $    0.25


Effect of dilutive options                                 5,231                                           5,541
                                                        --------                                         -------


EPS - Diluted                          $  82,752         300,158       $    0.28       $  71,885         293,248       $    0.25
                                       =========        ========       ==========      ==========        =======       ===========
</TABLE>

</TEXT>
</DOCUMENT>
