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 *
HOEPNER THEODORE J JR
   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)
Vice Chairman
(Last)
(First)
(Middle)
303 PEACHTREE ST.		 3. Date of Earliest Transaction (Month/Day/Year)
11/16/2004
(Street)

ATLANTA, GA 30308		 4. If Amendment, Date Original Filed(Month/Day/Year)
 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 11/16/2004   M   6,600 A $ 30.25 51,203 D  
Common Stock 11/16/2004   F   2,754 D $ 72.48 48,449 D  
Common Stock               15,341 I Spouse
Common Stock               21,947.293 I 401(k) (1)
Common Stock               74,420 I Restricted Stock (2)
Common Stock               3,840 I Trust (3)
Common Stock               9,700 I Trust (4)

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
Phantom Stock Units (5) (5)               (5)   (5) Common Stock 12,266.361   12,266.361 D  
Phantom Stock Units (6) (6)               (6)   (6) Common Stock 72,000   72,000 D  
Option (7) $ 30.25 11/16/2004   M     6,600 08/08/1995 08/07/2005 Common Stock 6,600 $ 30.25 3,300 D  
Option (8) $ 73.0625             11/09/2002 11/09/2009 Common Stock 15,000   15,000 D  
Option (9) $ 51.125             11/14/2003 11/14/2010 Common Stock 50,000   50,000 D  
Option (9) $ 64.57             11/13/2004 11/13/2011 Common Stock 100,000   100,000 D  
Option (9) $ 54.28             02/11/2006 02/11/2013 Common Stock 100,000   100,000 D  
Option (9) $ 73.19             02/10/2007 02/10/2014 Common Stock 100,000   100,000 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
HOEPNER THEODORE J JR
303 PEACHTREE ST.
ATLANTA, GA 30308		       Vice Chairman  

Signatures

 Margaret U. Hodgson, Attorney-in-Fact for Theodore J. Hoepner   11/18/2004
**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) Because the stock fund component of the 401(k) Plan 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. Includes additional shares acquired since the reporting person's last filing.
(2) Restricted stock held under 1986 SunTrust Executive Stock Plan, 1995 SunTrust Executive Stock Plan and SunTrust Banks, Inc. 2000 Stock Plan. Subject to certain vesting conditions. Restricted stock agreements contain tax withholding features allowing stock to be withheld to satisfy tax withholding obligations. All plans are exempt under Rule 16(b)-3.
(3) Hoepner Children's Trust.
(4) John & Lenore Hoepner Trust.
(5) The reported phantom stock units were acquired under SunTrust Banks, Inc.'s 401(k) excess benefit plan. These securities convert to common stock on a one-for-one basis. Includes additional shares acquired since reporting person's last filing.
(6) Granted in exchange for restricted stock. Will be paid out on various dates. These securities convert to common stock on a one-for-one basis.
(7) The option becomes exercisable in 10% increments over 10 years or in the event of death, disability or change of control. This option was granted pursuant to the 1995 SunTrust Executive Stock Plan.
(8) Granted pursuant to the 1995 SunTrust Executive Stock Plan.
(9) Granted pursuant to the SunTrust Banks, Inc. 2000 Stock Plan.

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