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 10, 2002



                          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 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 October 10, 2002, the registrant Regions Financial Corporation
issued a press release reporting on its results of operations for the quarter
and nine months ended September 30, 2002. The press release is included in this
report as exhibit 99.1.




                                    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/ D. Bryan Jordan


                                        D. Bryan Jordan
                                        Executive Vice President and Comptroller


Date: October 10, 2002




                                INDEX TO EXHIBITS



                                                        Sequential
Exhibit                                                 Page No.
-------                                                 ----------
                                                     
99.1       Press release dated October 10, 2002.