Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN 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 *
FURR RICHARD L
   2. Issuer Name and Ticker or Trading Symbol
SUNTRUST BANKS INC [STI] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Executive Vice President
(Last)
(First)
(Middle)
111 CORCORAN STREET		 3. Date of Earliest Transaction (Month/Day/Year)
11/19/2004
(Street)

DURHAM, NC 27701		 4. If Amendment, Date Original Filed(Month/Day/Year)
11/23/2004		 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 Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 11/19/2004   M   4,854 A $ 20.63 70,915 D  
Common Stock 11/19/2004   F   1,418 D $ 70.6 69,497 D  
Common Stock 11/19/2004   M   529 A $ 26.32 70,026 D  
Common Stock 11/19/2004   F   197 D $ 70.6 69,829 D  
Common Stock 11/19/2004   M   6,104 A $ 32.76 75,933 D  
Common Stock 11/19/2004   F   2,832 D $ 70.6 73,101 D  
Common Stock 11/19/2004   M   3,250 A $ 46.12 76,351 D  
Common Stock 11/19/2004   F   2,123 D $ 70.6 74,228 D  
Common Stock 11/19/2004   M   2,001 A $ 49.97 76,229 D  
Common Stock 11/19/2004   F   1,416 D $ 70.6 74,813 D  
Common Stock               12,304 I NCF 401(k) Plan (1)
Common Stock               11,512 I Spouse

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Option (2) $ 20.63 11/19/2004   M     4,854 03/12/1997 03/12/2006 Common Stock 4,854 $ 20.63 0 D  
Option (2) $ 26.32 11/19/2004   M     529 03/31/1997 03/31/2007 Common Stock 529 $ 26.32 17,164 D  
Option (2) $ 32.76 11/19/2004   M     6,104 03/16/2002 03/16/2010 Common Stock 6,104 $ 32.76 0 D  
Option (2) $ 46.12 11/19/2004   M     3,250 03/17/1999 03/17/2008 Common Stock 3,250 $ 46.12 0 D  
Option (2) $ 48.33             10/01/2004 01/14/2013 Common Stock 2,069   2,069 D  
Option (2) $ 52.09             10/01/2004 01/15/2012 Common Stock 1,919   1,919 D  
Option (2) $ 32.76             03/16/2001 03/16/2010 Common Stock 17,123 (3)   17,123 (3) D  
Option (2) $ 35.58             08/01/2001 08/01/2010 Common Stock 8,351   8,351 D  
Option (2) $ 45.84             03/22/1999 03/22/2009 Common Stock 17,693   17,693 D  
Option (2) $ 46.12             03/05/1999 03/17/2008 Common Stock 14,443   14,443 D  
Option (2) $ 48.33             01/14/2004 01/14/2013 Common Stock 21,045   21,045 D  
Option (2) $ 52.09             01/15/2003 01/15/2012 Common Stock 17,893   17,893 D  
Option (4) $ 49.97 11/19/2004   M     2,001 01/16/2004 01/16/2011 Common Stock 2,001 $ 49.97 0 D  
Option (4) $ 31.93             07/05/2001 07/05/2010 Common Stock 49,530   49,530 D  
Option (4) $ 49.97             01/16/2002 01/16/2011 Common Stock 16,622   16,622 D  
Option (5) $ 56.17             10/01/2004 01/21/2014 Common Stock 20,456   20,456 D  
Option (6) $ 71.24             10/01/2007 10/01/2014 Common Stock 18,000   18,000 D  
Option (6) $ 70.6 11/19/2004   A   2,832   11/19/2005 03/16/2010 Common Stock 2,832 $ 70.6 2,832 D  
Phantom Stock Units (7) (7)               (7)   (7) Common Stock 6,062   6,062 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
FURR RICHARD L
111 CORCORAN STREET
DURHAM, NC 27701		       Executive Vice President  

Signatures

 Margaret U. Hodgson, Attorney-in-Fact for Richard L. Furr   12/20/2004
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(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) Acquired under the National Commerce Financial Corporation Investment Plan, which will be frozen on 12/31/04.
(2) Granted pursuant to the National Commerce Financial Corporation Amended and Restated Long-Term Incentive Plan.
(3) The number of options was increased by one share due to a rounding error in connection with the exchange of National Commerce Financial Corporation shares for SunTrust Banks, Inc. shares.
(4) Granted pursuant to the National Commerce Financial Corporation 1994 Stock Plan, Amended and Restated.
(5) Granted pursuant to the National Commerce Financial Corporation 2003 Stock and Incentive Plan.
(6) Granted pursuant to SunTrust Banks, Inc.'s 2004 Stock Plan.
(7) Acquired under the National Commerce Financial Corporation Equity Investment Plan, which will be frozen on 12/31/04. These securities convert to common stock on a one-for-one basis.

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