<PAGE> 1
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): December 6, 2000
THE COLONIAL BANCGROUP, INC.
(Exact name of registrant as specified in its charter)
<TABLE>
<S> <C> <C>
DELAWARE 1-13508 63-0661573
------------------------------------------------------------------------------------------------------------
(State or other jurisdiction of (Commission File Number) (I.R.S. Employer Identification No.)
incorporation or organization)
</TABLE>
One Commerce Street
Montgomery, Alabama 36104
----------------------------------------
(Address of principle executive offices)
(334) 240-5000
-------------------------------
(Registrant's telephone number)
<PAGE> 2
Item 7. Financial Statements and Exhibits
The following exhibit is furnished as part of this Current Report on
Form 8-K:
<TABLE>
<CAPTION>
Exhibit No. Exhibit
----------- -------
<S> <C>
99.1 Presentation at Sandler O'Neill & Partners, L.P.
Third Annual Financial Services Conference,
December 7, 2000
</TABLE>
Item 9. Regulation FD Disclosure
Colonial BancGroup ("BancGroup") is furnishing this Current Report on
Form 8-K with respect to a presentation being made by management of BancGroup on
December 7, 2000 at a conference sponsored by Sandler O'Neill & Partners, L.P.
Attached hereto and incorporated herein as Exhibit 99.1 is the text of that
presentation. This presentation contains "forward-looking statements" within the
meaning of the federal securities laws. The forward-looking statements in the
presentation are subject to risks and uncertainties that could cause actual
results to differ materially from those expressed or implied by the statements.
Factors that may cause actual results to differ materially from those
contemplated by such forward-looking statements include, among other things, the
following possibilities; (i) an inability of the company to realize elements of
its strategic plans for 2000 and 2001, including, but not limited to, an
inability to maintain asset quality, meet targeted non-performing asset levels,
and meet targeted returns on assets; (ii) increases in competitive pressure in
the banking industry; (iii) general economic conditions, either nationally or
regionally, that are less favorable than expected; (iv) and changes which may
occur in the regulatory environment, and (v) changes in interest rates by the
Board of Governors of the Federal Reserve Board or rate changes driven by Market
conditions in the financial services industry. When used in this presentation,
the words "believes," "estimates," "plans," "expects," "should," "may," "might,"
"outlook," and "anticipates," and similar expressions as they relate to
BancGroup (including its subsidiaries) or its management are intended to
identify forward-looking statements.
<PAGE> 3
SIGNATURE
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.
COLONIAL BANCGROUP
By: /s/ W. Flake Oakley, IV
--------------------------------
W. Flake Oakley, IV
its Chief Financial Officer
Date: December 6, 2000
