Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  Howard Kevin Joseph
 2. Date of Event Requiring Statement (Month/Day/Year)
01/28/2010		 3. Issuer Name and Ticker or Trading Symbol
SYNOVUS FINANCIAL CORP [SNV]
(Last)
(First)
(Middle)
SYNOVUS FINANCIAL CORP., P.O. BOX 120		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Chief Credit Officer
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

COLUMBUS, GA 31902		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 13,026 (1)
D
 

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Option 01/17/2004(2) 01/16/2011 Common Stock 13,915 $ 12.35 D  
Stock Option 04/29/2005(3) 04/28/2012 Common Stock 16,056 $ 12.38 D  
Stock Option 07/02/2007(4) 07/01/2014 Common Stock 15,499 $ 12.22 D  
Stock Option 06/17/2008(5) 06/16/2015 Common Stock 17,126 $ 13.78 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Howard Kevin Joseph
SYNOVUS FINANCIAL CORP.
P.O. BOX 120
COLUMBUS, GA 31902		       Chief Credit Officer  

Signatures

/s/ Alana L. Griffin, Attorney-in-Fact 02/03/2010
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Includes 675 shares acquired through Issuer's 401(k) Plan, 1,545 shares acquired through Issuer's Dividend Reinvestment Plan, and 5,780 shares acquired through Issuer's Employee Stock Purchase Plan.
(2) Stock option vested 100% on the three year anniversary of the grant date (January 17, 2001).
(3) Stock option vested 100% on the three year anniversary of the grant date (April 29, 2002).
(4) Stock option vested 100% on the three year anniversary of the grant date (July 2, 2004).
(5) Stock option vested 100% on the three year anniversary of the grant date (June 17, 2005).

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