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 20, 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 7. Financial Statements and Exhibits.

(a) Not applicable.

(b) Not applicable.

(c) Not applicable.


Item 9. Regulation FD Disclosure

Allmerica Financial  Corporation ("AFC") previously  announced a blackout period
applicable  to the  employee  retirement  and pension  plans of its wholly owned
subsidiary,   First  Allmerica   Financial  Life  Insurance  Company,   offering
investment in AFC's Common Stock,  due to the conversion to a new  record-keeper
and service provider. The blackout period was expected to end during the week of
January 18, 2004.

The actual end date of the  blackout  period was  Tuesday  morning,  January 20,
2004.




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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,
                                                 Principal Accounting Officer,
                                                 and Director






Date: January 20, 2004


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