REGIONS FINANCIAL CORPORATION
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SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 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): January 16, 2003

REGIONS FINANCIAL CORPORATION


(Exact name of registrant as specified in its charter)
         
Delaware   0-6159   63-0589368

 
 
(State or other
jurisdiction of
incorporation)
  (Commission
File Number)
  (IRS Employer
Identification No.)
     
417 North 20th Street, Birmingham, Alabama   35203

 
(Address of principal executive offices)   (Zip code)

(205) 944-1300


(Registrant’s telephone number, including area code)

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SIGNATURE
INDEX TO EXHIBITS
PRESS RELEASE


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ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

     (c)  Exhibits. The exhibits listed in the exhibit index are furnished pursuant to Regulation FD as a part of this current report on Form 8-K.

ITEM 9. REGULATION FD DISCLOSURE

     In accordance with general instruction B.2. of Form 8-K, the following information is furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934.

     On January 16, 2003, the registrant Regions Financial Corporation issued a press release reporting on its results of operations for the quarter and year ended December 31, 2002. The press release is included in this report as exhibit 99.1.

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SIGNATURE

     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.

         
    REGIONS FINANCIAL CORPORATION
(Registrant)
         
    By:   /s/ Ronald C. Jackson
       
        Ronald C. Jackson
Senior Vice President and Comptroller
         
Date: January 16, 2003        

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INDEX TO EXHIBITS

         
        Sequential
Exhibit       Page No.

     
99.1   Press release dated January 16, 2003.    

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