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): April 16, 2004 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 exhibit listed in the exhibit index is furnished pursuant to Item 9 and Item 12 and should not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934. ITEM 9. REGULATION FD DISCLOSURE ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION In accordance with general instruction B.2. and B.6. 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 April 16, 2004, the registrant Regions Financial Corporation issued a press release reporting on its results of operations for the quarter ended March 31, 2004. 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/ Ronald C. Jackson --------------------------------------- Ronald C. Jackson Senior Vice President and Comptroller Date: April 16, 2004 INDEX TO EXHIBITS Sequential Exhibit Page No. ------- ---------- 99.1 Press release dated April 16, 2004.