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                       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): September 10, 2002


                               FIFTH THIRD BANCORP
             (Exact name of registrant as specified in its charter)

               Ohio                        0-8076               31-0854434
   (State or other jurisdiction         (Commission            (IRS Employer
         of incorporation)              File Number)         Identification No.)

            Fifth Third Center
38 Fountain Square Plaza, Cincinnati, Ohio                     45263
 (Address of principal executive offices)                    (Zip Code)


       Registrant's telephone number, including area code: (513) 534-5300

                                 Not Applicable
             (Former name or address, if changed since last report)


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Item 7.  Financial Statements and Exhibits

         Exhibit 99.1 - Management Discussion of Trends

Item 9.  Regulation FD Disclosure

     To assist investors, financial analysts and other interested parties in
their analysis of Fifth Third Bancorp, the Registrant developed the document
attached as Exhibit 99.1 to this Form 8-K. This document, incorporated herein by
reference, is furnished, not filed.

                                   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.

                                                    FIFTH THIRD BANCORP
                                                    (Registrant)



September 10, 2002                                  /s/ Neal E. Arnold
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                                                    Neal E. Arnold
                                                    Executive Vice President and
                                                    Chief Financial Officer