SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20549


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                                    FORM 8-K

                                 CURRENT REPORT


                     Pursuant to Section 13 or 15(d) of the

                         Securities Exchange Act of 1934

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        Date of Report (Date of earliest event reported): November 21, 2005


                            REGIONAL BANKSHARES, INC.





         South Carolina                000-32493                 57-1108717
(State or Other Jurisdiction    (Commission File Number)       (IRS Employer
 of Incorporation)                                           Identification No.)




        206 South Fifth Street, Hartsville, SC                        29551
     (Address of Principal Executive Offices)                       (Zip Code)



                                 (843) 383-4333
              (Registrant's telephone number, including area code)


         Check the  appropriate  box below if the Form 8-K filing is intended to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

         [ ]   Written communications  pursuant to Rule 425 under the Securities
               Act (17 CFR 230.425)

         [ ]   Soliciting  material  pursuant to Rule 14a-12  under the Exchange
               Act (17 CFR 240.14a-12)

         [ ]   Pre-commencement  communications  pursuant to Rule 14d-2(b) under
               the Exchange Act (17 CFR 240.14d-2(b))

         [ ]   Pre-commencement  communications  pursuant to Rule 13e-4(c) under
               the Exchange Act (17 CFR 240.13e-4(c))




Section 2 - Financial Information

Item 2.02  Results of Operations and Financial Condition.

Third Quarter Earnings

     Please  see  Exhibit 99 for the  Registrant's  Revised  2005 Third  Quarter
Financial Report and letter to shareholders.

Section 9 - Financial Statements and Exhibits

Item 9.01  Financial Statements and Exhibits

(c)  Exhibit 99 - Registrant's  Revised 2005 Third Quarter  Financial Report and
     letter to shareholders.







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.

                                 REGIONAL BANKSHARES, INC.
                                 (Registrant)



Date: November 16, 2005          By: /s/ Curtis A. Tyner
                                    --------------------------------------------
                                    Curtis A. Tyner
                                    President








                                  EXHIBIT INDEX

Exhibit 99     Registrant's  Revised  2005 Third  Quarter  Financial  Report and
               letter to Shareholders