Washington, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                Date of Report (Date of earliest event reported):
                                November 1, 2004

                             AMSOUTH BANCORPORATION
             (Exact name of registrant as specified in its charter)

            DELAWARE                    1-7476                63-0591257
   (State or other jurisdiction       (Commission           (IRS Employer
         of incorporation)            File Number)        Identification No.)

                                 AMSOUTH CENTER
                             1900 FIFTH AVENUE NORTH
                            BIRMINGHAM, ALABAMA 35203
          (Address, including zip code, of principal executive office)

       Registrant's telephone number, including area code: (205) 320-7151

                                 Not applicable
         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ] Written communication pursuant to Rule 425 under the Securities Act (17
    CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
    CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))

Item 8.01 Other Events.

     On November 1, 2004, AmSouth Bank, a wholly-owned subsidiary of AmSouth
Bancorporation, entered into an agreement to sell the Bank's credit card
portfolio to MBNA Corporation. Details of the transaction are contained in a
press release issued by AmSouth, a copy of which is attached hereto and
incorporated herein as Exhibit 99.1.


     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                                      AMSOUTH BANCORPORATION

                                                      By:  /s/ Carl L. Gorday
                                                      Name:  Carl L. Gorday
                                                      Title: Assistant Secretary

Date: November 1, 2004

Exhibit Index

Exhibit No.                Exhibit

99.1                       Press release of November 1, 2004