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 *
Daniel John M
   2. Issuer Name and Ticker or Trading Symbol
REGIONS FINANCIAL CORP [RF] 		5. 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
(Last)
(First)
(Middle)
P O BOX 10247		 3. Date of Earliest Transaction (Month/Day/Year)
07/22/2005
(Street)

BIRMINGHAM, AL 352020247		 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 07/22/2005   X   28,866 A $ 24.81 53,407.671 D  
Common Stock 07/22/2005   X   1,033 A $ 28.28 54,440.671 D  
Common Stock 07/22/2005   F   23,851 D $ 34.39 30,589.671 D  

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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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 $ 28.28 07/22/2005   X     1,033 07/01/2004 01/18/2011 Common Stock 1,033 $ 28.28 5,227 D  
Stock Option $ 24.81 07/22/2005   X     28,866 07/01/2004 10/08/2012 Common Stock 28,866 $ 24.81 0 D  
Phantom Stock Units (401k) $ 0 (1)               (1)   (1) Common Stock 251   251 D  
Phantom Stock Units (UPC Deferred Comp.) $ 0 (2)               (2)   (2) Common Stock 640   640 D  
Stock Option $ 32.44             07/01/2004 01/18/2011 Common Stock 2,533   2,533 D  
Stock Option $ 28.33             07/01/2004 01/18/2011 Common Stock 4,509   4,509 D  
Stock Option $ 35.09             07/05/2005 10/10/2011 Common Stock 18,178   18,178 D  
Stock Option $ 33.82               (3) 10/15/2011 Common Stock 50,000   50,000 D  
Stock Option $ 32.44             07/01/2004 10/08/2012 Common Stock 2,231   2,231 D  
Stock Option $ 28.33             07/01/2004 10/08/2012 Common Stock 1,305   1,305 D  
Stock Option $ 35.12             07/01/2004 10/08/2012 Common Stock 7,057   7,057 D  
Stock Option $ 33.48             07/01/2004 10/14/2013 Common Stock 34,000   34,000 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   07/22/2005
**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) 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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