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): January 17, 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) Page 1 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 January 17, 2002, the registrant Regions Financial Corporation issued a press release reporting on its results of operations for the quarter and year ended December 31, 2001. The press release is included in this report as exhibit 99.1. Page 2 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: January 17, 2002 Page 3 INDEX TO EXHIBITS Sequential Exhibit Page No. ------- ---------- 99.1 Press release dated January 17, 2002. Page 4