Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF 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 *
  Daniel John M
 2. Date of Event Requiring Statement (Month/Day/Year)
07/01/2005		 3. Issuer Name and Ticker or Trading Symbol
REGIONS FINANCIAL CORP [RF]
(Last)
(First)
(Middle)
P O BOX 10247		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Director of Human Resources
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

BIRMINGHAM, AL 352020247		 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 Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 24,541.671
D
 

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Phantom Stock Units (401k)   (1)   (1) Common Stock 251 $ (1) D  
Phantom Stock Units (UPC Deferred Comp.)   (2)   (2) Common Stock 640 $ (2) D  
Stock Option 07/01/2004 01/18/2011 Common Stock 6,260 $ 28.28 D  
Stock Option 07/01/2004 01/18/2011 Common Stock 2,533 $ 32.44 D  
Stock Option 07/01/2004 01/18/2011 Common Stock 4,509 $ 28.33 D  
Stock Option 07/05/2005 10/10/2011 Common Stock 18,178 $ 35.09 D  
Stock Option   (3) 10/15/2011 Common Stock 50,000 $ 33.82 D  
Stock Option 07/01/2004 10/08/2012 Common Stock 28,866 $ 24.81 D  
Stock Option 07/01/2004 10/08/2012 Common Stock 2,231 $ 32.44 D  
Stock Option 07/01/2004 10/08/2012 Common Stock 1,305 $ 28.33 D  
Stock Option 07/01/2004 10/08/2012 Common Stock 7,057 $ 35.12 D  
Stock Option 07/01/2004 10/14/2013 Common Stock 34,000 $ 33.48 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Daniel John M
P O BOX 10247
BIRMINGHAM, AL 352020247		       Director of Human Resources  

Signatures

By: Ronald C. Jackson 07/11/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(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) The reported phantom stock units were acquired under Regions' benefit plans.
(2) The reported phantom stock units were acquired under the Union Planters Corp. Deferred Compensation Plan for Executives.
(3) The option becomes exercisable in two equal installments on October 15, 2006 and 2007.

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