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):  July 17, 2003



                         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)


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



ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

   (c) Exhibits. The exhibit listed in the exhibit index is furnished
pursuant to Item 9 and Item 12 and should not be deemed filed for purposes of
Section 18 of the Securities Exchange Act of 1934.



ITEM 9.   REGULATION FD DISCLOSURE (FURNISHED UNDER ITEM 9 AND ITEM 12)

     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 July 17, 2003, the registrant Regions Financial Corporation issued a
press release reporting on its results of operations for the quarter ended June
30, 2003. The press release is included in this report as exhibit 99.1.


                                    Page 1

                                   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:  July 17, 2003


                                    Page 2

                               INDEX TO EXHIBITS

                                                                Sequential
Exhibit                                                         Page No.
-------                                                         ----------


99.1       Press release dated July 17, 2003.