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): January 7, 2004


                         ALLMERICA FINANCIAL CORPORATION
                         -------------------------------
             (Exact name of Registrant as specified in its charter)


    Delaware                         1-13754                    04-3263626
(State or other jurisdic-      (Commission File Number)      (I.R.S. Employer
 tion of incorporation)                                      Identification No.)



               440 Lincoln Street, Worcester, Massachusetts 01653
               --------------------------------------------------
                    (Address of principal executive offices)
                                   (Zip Code)

                                 (508) 855-1000
                                 --------------
              (Registrant's telephone number, including area code)











Item 9.  Regulation FD Disclosure.

     On January 7, 2004,  Allmerica Financial  Corporation  attended an investor
meeting  hosted  by  Smith  Barney  Citigroup  and  made a  presentation  to the
attendees. The presentation is available on our web site at www.allmerica.com.






SIGNATURES


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.


                                           Allmerica Financial Corporation
                                           -------------------------------
                                           Registrant

                                  By:      /s/ Edward J. Parry, III
                                           --------------------------
                                           Edward J. Parry, III
                                           Chief Financial Officer,
                                           Executive Vice President and
                                           Principal Accounting Officer







Date: January 8, 2004