Edgar Filing: STONE EDMOND C

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^*
Stone, Edmund C.

(Last) (First) (Middle)P O Box 10247

(Street)Birmingham, AL 35202-0247

(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)

December 10 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 EVP Corporate Banking; 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	12/10/2002	X \|	1,000.000 \| A \| $16.1562		D
Common Stock	12/10/2002	J (1) \|	518.000 \| A \|	111,710.600	D
Common Stock				1,100.000	I	By Spouse

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)

Stone, Edmund C. - December 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)
Phantom Stock Units (401k)	(2)		J (2) \|	(A) 60.0	(2) \| (2)	Common Stock - 60.0		1,542.0	D
Stock Option	$16.1562	12/10/2002	X \|	(D) 1,000.0	08/30/1994 \| 08/30/2003	Common Stock - 1,000.0	$16.1562	5,188.0	D
Stock Option	$16.1562				08/30/1995 \| 08/30/2003	Common Stock - 1,812.0		1,812.0	D
Stock Option	$15.9375				03/29/1995 \| 03/29/2004	Common Stock - 12,162.0		12,162.0	D
Stock Option	$15.9375				03/29/1996 \| 03/29/2004	Common Stock - 1,838.0		1,838.0	D
Stock Option	$16.0000				01/04/1996 \| 01/04/2005	Common Stock - 16,000.0		16,000.0	D
Stock Option	$22.4375				01/03/1997 \| 01/03/2006	Common Stock - 8,694.0		8,694.0	D
Stock Option	$22.4375				01/03/1998 \| 01/03/2006	Common Stock - 1,306.0		1,306.0	D
Stock Option	$38.7500				10/09/1998 \| 10/09/2007	Common Stock - 3,949.0		3,949.0	D
Stock Option	$41.3400				04/09/1999 \| 04/09/2008	Common Stock - 26,250.0		26,250.0	D
Stock Option	$35.6562				08/30/2000 \| 08/30/2009	Common Stock - 26,250.0		26,250.0	D
Stock Option	$20.0937				03/15/2001 \| 03/15/2010	Common Stock - 60,000.0		60,000.0	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
Stock Option	$30.8950				01/22/2003 \| 01/22/2012	Common Stock - 40,000.0		40,000.0	D
Stock Option	$30.8950				01/22/2004 \| 01/22/2012	Common Stock - 20,000.0		20,000.0	D
Stock Option	$30.8950				01/22/2005 \| 01/22/2012	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
Edmund C. Stone

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SEC 1474 (3-99)

Stone, Edmund C. - December 2002

Form 4 (continued)

FOOTNOTE Descriptions for Regions Financial Corp. RF

Form 4 - December 2002

Edmund C. Stone
P O Box 10247

Birmingham, AL 35202-0247
Explanation of responses:

(1) To reverse previously reported 10/08/02 transaction that was not consummated.
(2) The reported phantom stock units were acquired under Regions' benefits plans.

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