Edgar Filing: WHITE JOHN V

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 ^*

WHITE JOHN V

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)
Regional CEO

(Last)

(First)

(Middle)

P.O. BOX 387

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

(Street)

MEMPHIS,Â TNÂ 38147

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	12/30/2005	Â	J⁽¹⁾	3,319.674	D	$ 0	0	I	By 401(k)
Common Stock	12/30/2005	Â	J⁽¹⁾	194.711	D	$ 0	0	I	By ESOP
Common Stock	Â	Â	Â	Â	Â	Â	134,481.96	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⁽²⁾

4,035

Â ⁽²⁾

Common Stock

4,035

$ 0

4,035

Stock Option

$ 29.79

01/31/2002

05/01/2010

Common Stock

1,260

Stock Option

$ 33.34

11/02/2002

05/01/2010

Common Stock

1,263

Stock Option

$ 29

05/01/2003

05/01/2010

Common Stock

2,467

Stock Option

$ 33.69

05/03/2004

05/01/2010

Common Stock

5,781

Stock Option

$ 27.75

07/01/2004

05/01/2010

Common Stock

7,234

Stock Option

$ 32.96

07/24/2005

05/01/2010

Common Stock

20,115

Stock Option

$ 28.47

11/01/2003

07/01/2010

Common Stock

2,516

Stock Option

$ 32.96

07/24/2005

12/20/2010

Common Stock

48,892

Stock Option

$ 29.79

07/31/2002

07/31/2011

Common Stock

273

Stock Option

$ 25.59

07/01/2004

10/10/2011

Common Stock

112,500

Stock Option

$ 33.82

12/20/2005

10/15/2011

Common Stock

90,000

Stock Option

$ 33.34

07/01/2004

05/01/2012

Common Stock

363

Stock Option

$ 34.31

12/20/2005

10/08/2012

Common Stock

99,555

Stock Option

$ 29

07/01/2004

11/01/2012

Common Stock

495

Stock Option

$ 34.66

Â ⁽³⁾

12/20/2012

Common Stock

56,434

Stock Option

$ 28.47

07/01/2004

05/01/2013

Common Stock

478

Stock Option

$ 33.48

07/01/2004

10/14/2013

Common Stock

93,750

Stock Option

$ 33.69

07/01/2004

11/03/2013

Common Stock

1,708

Reporting Owners

Reporting Owner Name / Address	Relationships
Reporting Owner Name / Address	Director	10% Owner	Officer	Other
WHITE JOHN V P.O. BOX 387 MEMPHIS,Â TNÂ 38147	Â	Â	Â Regional 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)	The reported phantom stock units were acquired under Regions' benefit plans.
(3)	The option becomes exercisable in three equal installments on December 20, 2006, 2007 and 2008.

Note: File three copies of this Form, one of which must be manually signed. If space provided is insufficient, see Instruction 6 for procedure.

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