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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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) 06/22/2005 (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 06/21/2005   J(1) V 590.6 A $ 0 20,576.6 I By 401(k) Common Stock 06/21/2005   J(2) V 199.548 A $ 0 6,873.548 I By ESOP Common Stock 06/21/2005   J(3) V 1,195.203 A $ 0 41,067.203 I By Family Trust Common Stock 06/22/2005   J(4)   41,067.203 D $ 0 0 I By Family Trust Common Stck (5)               1,386,779 D   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

Phantom Stock Units (401k)

(6)

06/22/2005

J(6)

V

389

(6)

(6)

Common Stock

389

$ 0

389

D

Stock Option

$ 32.64

01/08/2003

12/20/2010

Common Stock

124,310

124,310

D

Stock Option

$ 33

07/25/2005

12/20/2010

Common Stock

175,947

175,947

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

$ 33

07/25/2005

01/07/2012

Common Stock

271,409

271,409

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

10/08/2012

Common Stock

3,077

3,077

D

Stock Option

$ 33

07/25/2005

10/08/2012

Common Stock

412,514

412,514

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

$ 33

07/25/2005

01/27/2014

Common Stock

10,382

10,382

D

Stock Option

$ 32.57

08/11/2005

02/11/2015

Common Stock

17,512

17,512

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		06/23/2005
**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).
(1)	Stock purchased through the 401(k) plan
(2)	Stock purchased through the ESOP
(3)	Stock purchased through the dividend reinvestment program
(4)	Trust terminated and assets distributed due to all children reaching age of 25.
(5)	Includes 43,780 'profit shares' issuable upon exercise of the stock options shown in Table II, the receipt of which shares has been deferred pursuant to an irrevocable Stock Option Deferral Agreement, but which shares are reported as beneficially owned by the reporting person for purposes of Section 16(a).
(6)	The reported phantom stock units were acquired under Regions' benefit plans.

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