Edgar Filing: REGIONS FINANCIAL CORP

Ownership Submission

FORM 5

	Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
	Form 3 Holdings Reported
	Form 4 Transactions Reported

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
ANNUAL 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

(Last)

(First)

(Middle)

P.O. BOX 10247

3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2005

(Street)

BIRMINGHAM,Â ALÂ 35202

4. If Amendment, Date Original Filed(Month/Day/Year)

6. Individual or Joint/Group Reporting
(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 at end of Issuer's Fiscal Year (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
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)	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	12/09/2005	Â	W	2,092	A	$ 0	2,092	I	BW Moore LP
Common Stock	12/30/2005	Â	J⁽¹⁾	20,576.6	D	$ 0	0	I	By 401(k)
Common Stock	12/30/2005	Â	J⁽¹⁾	6,873.548	D	$ 0	0	I	By ESOP
Common Stock	Â	Â	Â	Â	Â	Â	318,524	I	By Spouse
Common Stck ⁽²⁾	Â	Â	Â	Â	Â	Â	1,386,779	D	Â

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

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SEC 2270 (9-02)

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 at End of Issuer's Fiscal Year
(Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)

11. Nature of Indirect Beneficial Ownership
(Instr. 4)

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Phantom Stock Units (401k)

12/30/2005

J⁽³⁾

27,936

Â ⁽³⁾

Common Stock

27,936

$ 0

28,325

Stock Option

$ 32.64

01/08/2003

12/20/2010

Common Stock

124,310

Stock Option

$ 33

07/25/2005

12/20/2010

Common Stock

175,947

Stock Option

$ 32.64

01/08/2003

01/04/2011

Common Stock

7,215

Stock Option

$ 32.64

01/08/2003

07/05/2011

Common Stock

21,389

Stock Option

$ 32.64

01/08/2003

10/10/2011

Common Stock

158,621

Stock Option

$ 33

07/25/2005

01/07/2012

Common Stock

271,409

Stock Option

$ 32.64

01/08/2003

07/08/2012

Common Stock

24,736

Stock Option

$ 32.33

01/08/2004

10/08/2012

Common Stock

3,077

Stock Option

$ 33

07/25/2005

10/08/2012

Common Stock

412,514

Stock Option

$ 32.33

01/08/2004

01/08/2013

Common Stock

19,635

Stock Option

$ 32.33

01/08/2004

07/08/2013

Common Stock

24,489

Stock Option

$ 33.48

10/14/2003

10/14/2013

Common Stock

412,500

Stock Option

$ 33

07/25/2005

01/27/2014

Common Stock

10,382

Stock Option

$ 32.57

08/11/2005

02/11/2015

Common Stock

17,512

Reporting Owners

Reporting Owner Name / Address	Relationships
Reporting Owner Name / Address	Director	10% Owner	Officer	Other
MOORE JACKSON W P.O. BOX 10247 BIRMINGHAM,Â ALÂ 35202	Â X	Â	Â Pres. & CEO	Â

Signatures

By: Ronald C. Jackson		01/04/2006
^**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)	Union Planters Corp. benefit plan shares transferred to Regions benefit plans.
(2)	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).
(3)	The reported phantom stock units were acquired under Regions' benefit plans.

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