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 EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 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 File Number) (I.R.S. Employer incorporation or organization) Identification No.) One Commerce Street Montgomery, Alabama 36104 (Address of principal executive offices) (334) 240-5000 (Registrant's phone number) Item 2.02 Results of Operations and Financial Condition --------------------------------------------- Item 7.01 Regulation FD Disclosure ------------------------ Information regarding the registrant's earnings results for the quarter ended September 30, 2004 is furnished herein pursuant to Item 2.02 of this Current Report on Form 8-K and as Regulation FD Disclosure. Item 9.01 Financial Statements and Exhibits --------------------------------- The following exhibit is furnished as Regulation FD Disclosure to this Current Report on Form 8-K: Exhibit No. Exhibit ----------- ------- 99.1 Press Release Announcing Third Quarter Earnings and Supplemental Information SIGNATURE Pursuant to the requirements of the Securities 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