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): February 9, 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)


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

         Representatives of the Registrant are scheduled to make a presentation
to investors at the Credit Suisse First Boston Financial Services Conference in
Orlando, Florida on Wednesday, February 9, 2005, at approximately 12:00 p.m.
Central Time discussing current prospects for the company.



         A copy of the visual presentation is being furnished as Exhibit 99.1 to
this report, substantially in the form intended to be used. Exhibit 99.1 is
incorporated by reference under this Item 7.01. Such visual presentation
materials also will be available on Regions' Web site at www.regions.com.


ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

         (c) Exhibits. The exhibit listed in the exhibit index is furnished
pursuant to Regulation FD as a part of this current report on Form 8-K and shall
not be deemed filed for purposes of Section 18 of the Securities Exchange Act of
1934.



                                    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)



Date: February 9, 2005            By: /s/ Ronald C. Jackson
                                     --------------------------------------
                                     Ronald C. Jackson
                                     Senior Vice President and Comptroller







                                INDEX TO EXHIBITS




Sequential
 Exhibit                                                           Page No.
----------                                                        ----------
                                                               
    99.1       Visual materials for Registrant's February 9, 2005,
               presentation to analysts in Orlando, Florida.





                                     Page 2