Edgar Filing: REGIONS FINANCIAL CORP

SEC Form 4

FORM 4
[ ] Check this box if no longer
subject to Section 16. Form 4 or Form
5 obligations may continue.
See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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(f) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*
Fleischauer, Jr., John I.

(Last) (First) (Middle)P O Box 1471

(Street)Little Rock, AR 72203

(City) (State) (Zip)

2. Issuer Name and Ticker
or Trading Symbol

Regions Financial Corp. RF

3. I.R.S. Identification
    Number of Reporting
    Person, if an entity
    (voluntary)

4. Statement for
(Month/Year)

November 21 2002

5. If Amendment,
Date of Original
(Month/Year)

6. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director 10% Owner
X Officer Other

Officer/Other
Description Regional President; Member Leadership Team

7. Individual or Joint/Group
Filing (Check Applicable Line)

X Individual Filing
Joint/Group Filing

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	3. Transaction Code and Voluntary Code (Instr. 8) Code \| V	4. Securities Acquired (A) or Disposed (D) Of (Instr. 3, 4, and 5) Amount \| A/D \| Price	5. Amount of Securities Beneficially Owned at End of Month (Instr. 3 and 4)	6. Owner- ship Form: Direct(D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	01/22/2002	A \| V	20,000.000 \| A \|		D
Common Stock	02/15/2002	F \| V	1,599.000 \| D \| $31.8400		D
Common Stock	04/15/2002	F \| V	1,301.000 \| D \| $34.5300		D
Common Stock	04/16/2002	F \| V	1,138.000 \| D \| $30.2000		D
Common Stock	11/21/2002	X \|	30,000.000 \| A \| $20.0937		D
Common Stock	11/21/2002	S \|	30,000.000 \| D \| $34.7173		D
Common Stock	11/22/2002	X \|	30,000.000 \| A \| $20.0937		D
Common Stock	11/22/2002	S \|	30,000.000 \| D \| $34.8270	50,962.000	D
Common Stock (DRP)				1,638.289	D
Common Stock (Trust)				6,400.000	D

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

(over)
SEC 1474 (3-99)

Fleischauer, Jr., John I. - November 2002

Form 4 (continued)

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. Conver- sion or Exercise Price of Deri- vative Security	3. Transaction Date (Month/ Day/ Year)	4. Transaction Code and Voluntary (V) Code (Instr.8) Code \| V	5. Number of Derivative Securities Acquired (A) or Disposed (D) Of (Instr. 3,4 and 5)	6. Date Exercisable(DE) and Expiration Date(ED) (Month/Day/Year) (DE) \| (ED)	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 Month (Instr.4)	10. Owner- ship Form of Deriv- ative Security: Direct (D) or Indirect (I)	11. Nature of Indirect Beneficial Ownership (Instr.4)
Stock Option	$30.8950	01/22/2002	A \| V	(A) 40,000.0	01/22/2003 \| 01/22/2012	Common Stock - 40,000.0	$30.8950	40,000.0	D
Stock Option	$30.8950	01/22/2002	A \| V	(A) 20,000.0	01/22/2004 \| 01/22/2012	Common Stock - 20,000.0	$30.8950	20,000.0	D
Stock Option	$30.8950	01/22/2002	A \| V	(A) 3,236.0	01/22/2005 \| 01/22/2012	Common Stock - 3,236.0	$30.8950		D
Stock Option	$30.8950	01/22/2002	A \| V	(A) 16,764.0	01/22/2005 \| 01/22/2012	Common Stock - 16,764.0	$30.8950	20,000.0	D
Stock Option	$20.0937	11/21/2002	X \|	(D) 30,000.0	03/15/2001 \| 03/15/2010	Common Stock - 30,000.0	$20.0937		D
Stock Option	$20.0937	11/22/2002	X \|	(D) 30,000.0	03/15/2001 \| 03/15/2010	Common Stock - 30,000.0	$20.0937	0.0	D
Phantom Stock Units (401k)	(1)				(1) \| (1)	Common Stock - 1,564.0		1,564.0	D
Stock Option	$41.3750				07/31/1999 \| 07/31/2008	Common Stock - 15,000.0		15,000.0	D
Stock Option	$35.6562				08/30/2000 \| 08/30/2009	Common Stock - 18,804.0		18,804.0	D
Stock Option	$27.9050				01/16/2002 \| 01/16/2011	Common Stock - 40,000.0		40,000.0	D
Stock Option	$27.9050				01/16/2003 \| 01/16/2011	Common Stock - 20,000.0		20,000.0	D
Stock Option	$27.9050				01/16/2004 \| 01/16/2011	Common Stock - 20,000.0		20,000.0	D

Explanation of Responses : The reporting person is not reporting contingent incentive share awards.

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations.
See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

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

Potential persons who are to respond to the collection of information contained in this form are not
required to respond unless the form displays a currently valid OMB number.

________________________________ __________________
** Signature of Reporting Person Date

Ronald C. Jackson
John I. Fleischauer, Jr.

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SEC 1474 (3-99)

Fleischauer, Jr., John I. - November 2002

Form 4 (continued)

FOOTNOTE Descriptions for Regions Financial Corp. RF

Form 4 - November 2002

John I. Fleischauer, Jr.
P O Box 1471

Little Rock, AR 72203
Explanation of responses:

(1) The reported phantom stock units were acquired under Regions' benefits plans.

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