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 * RITTER C DOWD 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) Chairman, President & CEO (Last) (First) (Middle) P O BOX 10247 3. Statement for Issuer's Fiscal Year Ended (Month/Day/Year) 12/31/2007 (Street) BIRMINGHAM, AL 352020247 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) Amount (A) or (D) Price Common Stock 04/26/2007   G 7,425 D $ 0 106,812 (1) D   Common Stock 12/31/2007   J 2,146.28 (2) A $ 0 95,355.58 I By 401(k) Common Stock 05/16/2007   G 16,023 D $ 0 373,197 (3) I By GRAT Common Stock             15,416 I By Spouse

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

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
RITTER C DOWD P O BOX 10247 BIRMINGHAM, AL 352020247	  X	Â	  Chairman, President & CEO	Â

Signatures

By: John Buchanan		02/12/2008
**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)	Excludes 150,000 shares transferred by the reporting person to 2007 GRAT on May 21, 2007. This transaction is exempt from Section 16 of the 1934 Act pursuant to Rule 16a-13 under the Act, as it constitutes only a change of form of ownership without affecting the reporting person's pecuniary interest.
(2)	These shares were acquired through regular quarterly contributions in the 401(k) plan of the Regions Stock Fund.
(3)	Consists of 54,623 shares held by 2006 GRAT and 318,574 shares held by 2007 GRAT. Transfers to the 2007 GRAT of 113,092 shares from the 2005 GRAT (terminated in 2007) and 55,482 shares from the 2006 GRAT are exempt from Section 16 of the 1934 Act pursuant to Rule 16a-13 under the Act, as they constitute only a change of form of ownership without affecting the reporting person's pecuniary interest.

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