UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1394
(Amendment No. 3)*
C & F Financial Corporation
Common
12466Q104
December 31, 2001
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
[X] Rule 13d-1 (b)
[ ] Rule 13d-1 (c)
[ ] Rule 13d-1 (d)
*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities,
and for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however, see
the Notes).
CUSIP No. 12466Q104
1. Names of Reporting Persons.
I.R.S. Identification Nos. of above persons
SunTrust Banks, Inc. as Parent Holding Company for SunTrust Bank Holding Company
as Parent Company for SunTrust Bank and in various fiduciary capacities.
58-1575035
2. Check the Appropriate Box if a Member of a Group
(a) __________
(b) __________
3. SEC Use Only
4. Citizenship or Place of Organization
Georgia
Number of 5. Sole Voting Power 244,828
Shares
Beneficially 6. Shared Voting Power 0
Owned by
Each 7. Sole Dispositive Power 38,680
Reporting
Person With 8. Shared Dispositive Power 206,148
9. Aggregate Amount Beneficially Owned by Each Reporting Person 244,828
10. Check if the Aggregate Amount in Row (9) Excludes Certain Shares*
11. Percent of Class Represented by Amount in Row (9) 6.94%
12. Type of Reporting Person* HC / BK
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1394
Item 1.
(a) Name of Issuer:
C & F Financial Corporation
(b) Address of Issuer's Principal Executive Offices:
Eighth & Main Street
West Point, Virginia 23181
Item 2.
(a) Name of Person Filing:
SunTrust Banks, Inc. as Parent Holding Company for SunTrust Bank Holding
Company as Parent Company for SunTrust Bank and in various fiduciary capacities
(b) Address of Principal Business Office or, if none, Residence:
303 Peachtree Street, Suite 1500
Atlanta, Georgia 30308
(c) Citizenship:
SunTrust Banks, Inc. is a Georgia corporation; SunTrust Bank Holding Company is
a Florida corporation; SunTrust Bank is a Georgia bank
(d) Title of Class of Securities:
Common Stock
(e) CUSIP Number:
12466Q104
Item 3. If this statement is filed pursuant to ss240.13d-1(b) or 240.13-2(b) or
(c), check whether the person filing is a:
(a) [ ] Broker or dealer registered under section 15 of the Act
(15 U.S.C. 78o);
(b) [X] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c) [ ] Insurance company as defined in section 3(a)(19) of the Act
(15 U.S.C. 78c);
(d) [ ] Investment company registered under section 8 of the Investment
Company Act of 1940 (15 U.S.C. 80a-8);
(e) [ ] An investment adviser in accordance with s240.13d-1(b)(1)(ii)(E);
(f) [ ] An employee benefit plan or endowment fund in accordance with
s240.13d- 1(b)(1)(ii)(F);
(g) [X] A parent holding company or control person in accordance with
s240.13d-1(b)(1)(ii)(G);
(h) [ ] A savings association as defined in Section 3(b) of the Federal
Deposit Insurance Act (12 U.S.C. 1813);
(i) [ ] A church plan that is excluded from the definition of an
investment company under section 3(c)(14) of the
Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j) [ ] Group, in accordance with s240.13d-1(b)(1)(ii)(J).
Item 4. Ownership
Provide the following information regarding the aggregate number and percentage
of the class of securities of the issuer identified in Item 1.
(a) Amount beneficially owned: 244,828.
(b) Percent of class: 6.94%.
(c) Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote 244,828.
(ii) Shared power to vote or to direct the vote 0.
(iii) Sole power to dispose or to direct the disposition of 38,680.
(iv) Shared power to dispose or to direct the disposition of 206,148.
Item 5. Ownership of Five Percent or Less of a Class
If this statement is being filed to report the fact that as of the date hereof
the reporting person has ceased to be the beneficial owner of more than five
percent of the class of securities, check the following [ ].
Item 6. Ownership of More than Five Percent on Behalf of Another Person
Various co-trustees share the power to direct subsidiaries of income including
dividends and the proceeds form sale of securities. Additionally, various
beneficiaries have the right to receive dividends.
Item 7. Identification and Classification of the Subsidiary Which Acquired the
Security Being Reported on By the Parent Holding Company
See Item 2 along with Exhibit A
Item 8. Identification and Classification of Members of the Group
Not Applicable
Item 9. Notice of Dissolution of Group
Not Applicable
Item 10. Certification
By signing below I certify that, to the best of my knowledge and belief, the
securities referred to above were acquired and are held in the ordinary course
of business and were not acquired and are not held for the purpose of or with
the effect of changing or influencing the control of the issuer of the
securities and were not acquired and are not held in connection with or as a
participant in any transaction having that purpose or effect.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.
February 5, 2002
Date
/s/ Stephen B. Weber
Signature
Stephen B. Weber / Bank Officer
Name / Title
Exhibit A
The shares reported are held by one or more subsidiaries of SunTrust Banks, Inc.
in various fiduciary and agency capacities. SunTrust Banks, Inc. and such
subsidiaries disclaim by beneficial interest in any of the shares reported,
and the filing of this statement shall not be construed as an admission to
the contrary.
Certain of the shares included in shared voting authority are held in agency
accounts and co-fiduciary accounts in nominee registration. These are voted
by the banks under revocable authority of trust accounts and therefore, are
reported as shared voting authority.
SunTrust Banks, Inc.
303 Peachtree Street, Suite 1500
Atlanta, Georgia 30308
February 5, 2002
Ladies and Gentlemen:
There is hereby transmitted for filing pursuant to Section 13(g) of the
Securities and Exchange Act of 1934 and Rule 13G thereunder a Schedule 13G
relating to beneficial ownership by SunTrust Banks, Inc. and its subsidiaries
of shares of C & F Financial Corporation.
Please call the undersigned at (404) 581-1475 if you have any questions.
Sincerely,
/s/ Stephen B. Weber
SunTrust Bank, Bank Officer
Cc: C & F Financial Corporation
National Association of Securities Dealers