UNITED STATES
                       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): October 14, 2005

                          REGIONS FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)


                                                       
    Delaware                      0-6159                         63-0589368
(State or other                (Commission                     (IRS Employer
jurisdiction of                File Number)                  Identification No.)
 incorporation)



                                                               
417 North 20th Street, Birmingham, Alabama                          35203
 (Address of principal executive offices)                         (Zip code)


       Registrant's telephone number, including area code: (205) 944-1300

                                       N/A
         (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 (see General Instruction A.2. below):

[ ]  Written communications 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 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION

ITEM 7.01. 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 October 14, 2005, the registrant Regions Financial Corporation issued a
press release reporting on its results of operations for the quarter ended
September 30, 2005. The press release, with its accompanying financial
supplement, is included in this report as exhibit 99.1.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

     (c) Exhibits. The exhibit listed in the exhibit index relates to Item 2.02
and Item 7.01 and, in accordance with general instruction B.2. of Form 8-K,
shall not be deemed filed for purposes of Section 18 of the Securities Exchange
Act of 1934.


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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: October 14, 2005


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                                INDEX TO EXHIBITS



Exhibit No.   Description
-----------   -----------
           
    99.1      Press release dated October 14, 2005.



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