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                                  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): June 15, 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))

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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.

       On June 15, 2005, the Registrant announced a pending realignment of its
executive management structure. The changes are scheduled to take effect on July
1 to coincide with the previously announced retirement of Carl E. Jones, Jr. as
chief executive officer of the company and the succession of Jackson W. Moore to
that position.

       The organizational restructuring reflects that succession, and
otherwise, will not result in any personnel changes. The revised structure will
designate new titles for some of Registrant's executives, and redefine some of
the lines of reporting. Mr. Jones will continue in the capacity of chairman of
the board, and Mr. Moore will retain the title of president in addition to the
chief executive officer title.

       Further information is set forth in Registrant's press release of June
15, 2005, that describes the revised executive organizational structure. A copy
of the press release is included as exhibit 99.1 to this current report on Form
8-K.

ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS.

       (c) Exhibits. The exhibit listed in the exhibit index is filed as a
part of this current report on Form 8-K.




                                    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: June 15, 2005






                                INDEX TO EXHIBITS

 Exhibit                         Description
----------                      -------------

    99.1       Press release of Regions Financial Corporation dated June 15,
               2005.