Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
MOORE JACKSON W
   2. Issuer Name and Ticker or Trading Symbol
REGIONS FINANCIAL CORP [RF] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
__X__ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Pres. & CEO Desig.
(Last)
(First)
(Middle)
P.O. BOX 10247		 3. Date of Earliest Transaction (Month/Day/Year)
01/25/2005
(Street)

BIRMINGHAM, AL 35202		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 01/25/2005   X   21,371 A $ 30.013 1,364,370 D  
Common Stock 01/25/2005   X   276,444 A $ 30.013 1,640,814 D  
Common Stock 01/25/2005   X   146,869 A $ 32.33 1,787,683 D  
Common Stock 01/25/2005   X   13,005 A $ 31.83 1,800,688 D  
Common Stock 01/25/2005   X   20,334 A $ 31.83 1,821,022 D  
Common Stock 01/25/2005   X   141,946 A $ 32.33 1,962,968 D  
Common Stock 01/25/2005   X   283,306 A $ 31.83 2,246,274 D  
Common Stock 01/25/2005   X   10,757 A $ 31.83 2,257,031 D  
Common Stock 01/25/2005   F   870,252 D $ 33 1,386,779 D  
Common Stock               19,986 I By 401(k)
Common Stock               6,674 I By ESOP
Common Stock               39,872 I By Family Trust
Common Stock               318,524 I By Spouse

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Option $ 31.83 01/25/2005   X     20,334 07/01/2004 01/07/2012 Common Stock 20,334 $ 31.83 0 D  
Stock Option $ 33 01/25/2005   A   271,409   07/25/2005 01/07/2012 Common Stock 271,409 $ 0 271,409 D  
Stock Option $ 32.33 01/25/2005   X     141,946 01/08/2004 10/08/2012 Common Stock 141,946 $ 32.33 3,077 D  
Stock Option $ 31.83 01/25/2005   X     283,306 07/01/2004 10/08/2012 Common Stock 283,306 $ 31.83 0 D  
Stock Option $ 33 01/25/2005   A   412,514   07/25/2005 10/08/2012 Common Stock 412,514 $ 0 412,514 D  
Stock Option $ 31.83 01/25/2005   X     10,757 07/01/2004 01/27/2014 Common Stock 10,757 $ 31.83 0 D  
Stock Option $ 33 01/25/2005   A   10,382   07/25/2005 01/27/2014 Common Stock 10,382 $ 0 10,382 D  
Stock Option $ 32.64             01/08/2003 12/20/2010 Common Stock 124,310   124,310 D  
Stock Option $ 32.64             01/08/2003 01/04/2011 Common Stock 7,215   7,215 D  
Stock Option $ 32.64             01/08/2003 07/05/2011 Common Stock 21,389   21,389 D  
Stock Option $ 32.64             01/08/2003 10/10/2011 Common Stock 158,621   158,621 D  
Stock Option $ 32.64             01/08/2003 07/08/2012 Common Stock 24,736   24,736 D  
Stock Option $ 32.33             01/08/2004 01/08/2013 Common Stock 19,635   19,635 D  
Stock Option $ 32.33             01/08/2004 07/08/2013 Common Stock 24,489   24,489 D  
Stock Option $ 33.48             10/14/2003 10/14/2013 Common Stock 412,500   412,500 D  
Stock Option $ 30.01 01/25/2005   X     21,371 07/07/2002 12/20/2010 Common Stock 21,371 $ 30.01 0 D  
Stock Option $ 32.33 01/25/2005   X     146,869 01/08/2004 12/20/2010 Common Stock 146,869 $ 32.33 0 D  
Stock Option $ 31.83 01/25/2005   X     13,005 07/01/2004 12/20/2010 Common Stock 13,005 $ 31.83 0 D  
Stock Option $ 33 01/25/2005   A   175,947   07/25/2005 12/20/2010 Common Stock 175,947 $ 0 175,947 D  
Stock Option $ 30.01 01/25/2005   X     276,444 07/07/2002 10/10/2011 Common Stock 276,444 $ 30.01 0 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
MOORE JACKSON W
P.O. BOX 10247
BIRMINGHAM, AL 35202		   X     Pres. & CEO Desig.  

Signatures

 By: Ronald C. Jackson   01/27/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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