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): March 6, 2002

                              FIFTH THIRD BANCORP
            (Exact name of registrant as specified in its charter)

           Ohio                          0-8076                 31-0854434
(State or other jurisdiction          (Commission              (IRS Employer
       of incorporation)              File Number)          Identification No.)

             Fifth Third Center
 38 Fountain Square Plaza, Cincinnati, Ohio                            45263
  (Address of principal executive offices)                           (Zip Code)

      Registrant's telephone number, including area code:  (513) 579-5300

                                Not Applicable
            (Former name or address, if changed since last report)


Item 7.  Financial Statements and Exhibits

         Exhibit 99.1 - Management Discussion of Trends

Item 9.  Regulation FD Disclosure

     To assist investors, financial analysts and other interested parties in
their analysis of Fifth Third Bancorp, the Registrant developed the document
attached as Exhibit 99.1 to this Form 8-K. This document, incorporated herein by
reference, is furnished, not filed.


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.

                                             FIFTH THIRD BANCORP

March 6, 2002                                /s/ Neal E. Arnold
                                             Neal E. Arnold
                                             Executive Vice President
                                             and Chief Financial Officer