Sec Form 4 Filing - FURR RICHARD L @ SUNTRUST BANKS INC - 2005-02-22

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 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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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 (MM/DD/YY) 02/22/2005 (Street) DURHAM, NC27701 4. If Amendment, Date Original Filed (MM/DD/YY) 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 (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 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 74,813 D Common Stock 02/22/2005 S 12,783 D $ 70.92 0 I NCF 401(k) Plan ( 1 ) Common Stock 11,512 I Spouse Common Stock 17.544 I 401(k) ( 2 )

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 (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 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 (MM/DD/YY) 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 ( 3 ) $ 26.32 03/31/1997 03/31/2007 Common Stock 17,164 17,164 D Option ( 3 ) $ 48.33 10/01/2004 01/14/2013 Common Stock 2,069 2,069 D Option ( 3 ) $ 52.09 10/01/2004 01/15/2012 Common Stock 1,919 1,919 D Option ( 3 ) $ 32.76 03/16/2001 03/16/2010 Common Stock 17,123 17,123 D Option ( 3 ) $ 35.58 08/01/2001 08/01/2010 Common Stock 8,351 8,351 D Option ( 3 ) $ 45.84 03/22/1999 03/22/2009 Common Stock 17,693 17,693 D Option ( 3 ) $ 46.12 03/05/1999 03/17/2008 Common Stock 14,443 14,443 D Option ( 3 ) $ 48.33 01/14/2004 01/14/2013 Common Stock 21,045 21,045 D Option ( 3 ) $ 52.09 01/15/2003 01/15/2012 Common Stock 17,893 17,893 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 11/19/2005 03/16/2010 Common Stock 2,832 2,832 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other FURR RICHARD L 111 CORCORAN STREET DURHAM, NC27701 Executive Vice President Signatures Raymond D. Fortin, Attorney-in-Fact for Richard L. Furr 02/23/2005 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Acquired under the National Commerce Financial Corporation Investment Plan (the "Plan"), which was frozen on 12/31/04. Intra-plan transfer out of a SunTrust stock fund maintained under the Plan into other diversified funds under the Plan. ( 2 )Because the stock fund component of the 401(k) is accounted for in unit accounting, the number of share equivalents varies based on the closing price of SunTrust stock on the applicable measurement date. ( 3 )Granted pursuant to the National Commerce Financial Corporation Amended and Restated Long-Term Incentive Plan. ( 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.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* 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).

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