UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 19, 2004 THE COLONIAL BANCGROUP, INC. (Exact name of registrant as specified in its charter) DELAWARE 1-13508 63-0661573 (State or other jurisdiction of (Commission (I.R.S. Employer incorporation or organization) File Number) Identification No.) One Commerce Street Montgomery, Alabama 36104 (Address of principal executive offices) (334) 240-5000 (Registrant's phone number) Item 9 and 12. Regulation F-D Disclosure and Results of Operations and Financial Condition. Information regarding the registrant's earnings results for the quarter ended June 30, 2004 is furnished herein as Regulation F-D Disclosure. As additional Regulation F-D Disclosure, the registrant furnishes the press release referenced as Exhibit No.99.1. Exhibit No. Exhibit 99.1 Press Release Announcing Second Quarter Earnings and Supplemental Information SIGNATURE Pursuant to the requirements of the Securities and Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. THE COLONIAL BANCGROUP, INC. By: /s/ SHEILA MOODY -------------------------- Sheila Moody Chief Accounting Officer