SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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):
                                  July 25, 2002





                               AMEREN CORPORATION
             (Exact name of registrant as specified in its charter)




        Missouri                       1-14756                  43-1723446
(State or other jurisdiction         (Commission             (I.R.S. Employer
        of incorporation)            File Number)            Identification No.)




                 1901 Chouteau Avenue, St. Louis, Missouri 63103
              (Address of principal executive offices and Zip Code)






       Registrant's telephone number, including area code: (314) 621-3222


<PAGE>



ITEM 5.    OTHER EVENTS AND REGULATION FD DISCLOSURE

           On July 25, 2002, the Registrant issued a press release  stating that
the Missouri Public Service Commission on July 25,  approved a joint  settlement
reached in the  earnings  complaint  case filed by the Missouri  Public  Service
Commission staff against Union Electric Company d/b/a AmerenUE, the Registrant's
subsidiary,  in July 2001.  On July 16,  2002,  AmerenUE  and all other  parties
participating  in the case submitted the joint settlement to the Missouri Public
Service  Commission.  The  press  release  is  attached  as  Exhibit  99  and is
incorporated herein by reference.


ITEM 7.    EXHIBITS

           (c)  Exhibits.

                99 Press release, dated July 25, 2002, issued by the Registrant.




                                    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 thereunto duly authorized.

                               AMEREN CORPORATION
                                  (Registrant)


                               By    /s/ Martin J. Lyons
                                 -------------------------------
                               Name:     Martin J. Lyons
                               Title:    Controller
                                        (Principal Accounting Officer)


Date:  July 25, 2002


<PAGE>



                                  Exhibit Index
                                  -------------


Exhibit No.                       Description
-----------                       -----------

    99      - Press release dated July 25, 2002, issued by Ameren Corporation.


<PAGE>
                                                                      EXHIBIT 99

[GRAPHIC OMITTED][GRAPHIC OMITTED]
One Ameren Plaza
1901 Chouteau Avenue
St. Louis, MO 63103

Contact:
Analysts:                      Media:                    Investors:
Bruce Steinke                  Susan Gallagher           Investor Services
(314) 554-2574                 (314) 554-2175            Invest@ameren.com

FOR IMMEDIATE RELEASE
---------------------

             MISSOURI PUBLIC SERVICE COMMISSION APPROVES SETTLEMENT
                     REACHED IN AMERENUE ELECTRIC RATE CASE

St. Louis,  MO, July 25,  2002---The  Missouri Public Service  Commission  today
unanimously approved a settlement reached in the electric rate case of AmerenUE,
a utility subsidiary of Ameren Corporation (NYSE: AEE). On July 16, AmerenUE and
all other parties  participating  in the electric rate case  submitted the joint
settlement to the Missouri Public Service Commission.

     The joint settlement  includes a rate moratorium through June 30, 2006, the
phase-in  of $110  million  in  electric  rate  reductions,  over $2  billion in
critical energy infrastructure  commitments from the company, and $26 million in
funding  during the term of the plan for several  important  programs  that will
benefit  low-income  consumers,  enhance  energy  conservation  and  support the
state's economic development  efforts. In addition,  the settlement calls for an
overall reduction in the companys depreciation expense by $20 million per year.

     Under the joint settlement,  AmerenUE's  Missouri retail electric customers
will also begin  receiving,  in August or  September,  $40 million in  credits-a
one-time benefit averaging $14.50 per residential  customer.  The $40 million in
credits result from the final  settlement of earnings sharing benefits under the
experimental  alternative  regulation plan (EARP),  which expired June 30, 2001.
Under that plan,  stockholders  and customers  shared  earnings  between certain
regulatory return-on-equity thresholds.

     "Obviously,  we are very pleased with the  Commission's  timely  review and
approval of the  settlement  agreement,"  said Charles W. Mueller,  chairman and
chief  executive  officer,  Ameren  Corporation.  "This  settlement will provide
significant  benefits  to our  customers  and to the  state of  Missouri,  while
ensuring the future energy needs of the state."

     "The approved agreement offers AmerenUE electric customers significant rate
reductions, coupled with rate stability and continued strong reliability," added
Gary L. Rainwater,  president and chief operating officer,  Ameren  Corporation.
"The  settlement  will also provide the company with  financial  flexibility  in
addition to  meaningful  incentives to improve its  operations  and enable it to
deliver solid investor returns."

     The joint settlement came in response to an excess earnings  complaint case
filed by the Missouri Public Service  Commission  staff against AmerenUE in July
2001. Copies of the now-approved  joint agreement can be obtained from the MoPSC
website at http://www.psc.state.mo.us.

     AmerenUE is a subsidiary  of St.  Louis-based  Ameren  Corporation.  Ameren
companies serve 1.5 million electric customers and 300,000 natural gas customers
in a 44,500-square-mile area of Missouri and Illinois.

<PAGE>

Safe Harbor Statement
---------------------

     Statements made in this release,  which are not based on historical  facts,
are  "forward-looking"  and,  accordingly,  involve risks and uncertainties that
could cause actual results to differ  materially from those discussed.  Although
such "forward-looking"  statements have been made in good faith and are based on
reasonable assumptions,  there is no assurance that the expected results will be
achieved.  These statements include (without limitation) statements as to future
expectations,  beliefs, plans, strategies,  objectives,  events, conditions, and
financial  performance.  In connection with the "Safe Harbor"  provisions of the
Private  Securities  Litigation  Reform Act of 1995,  Ameren is  providing  this
cautionary  statement  to identify  important  factors  that could cause  actual
results to differ  materially from those  anticipated.  The factors discussed in
Ameren's  annual report on SEC Form 10-K for the fiscal year ended  December 31,
2001,  and  subsequent  securities  filings,   could  cause  results  to  differ
materially from management  expectations as suggested by such  "forward-looking"
statements.
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SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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):
                                  July 25, 2002

                               AMEREN CORPORATION
             (Exact name of registrant as specified in its charter)

        Missouri                       1-14756                  43-1723446
(State or other jurisdiction         (Commission             (I.R.S. Employer
        of incorporation)            File Number)            Identification No.)

                 1901 Chouteau Avenue, St. Louis, Missouri 63103
              (Address of principal executive offices and Zip Code)

       Registrant's telephone number, including area code: (314) 621-3222
ITEM 5.    OTHER EVENTS AND REGULATION FD DISCLOSURE

           On July 25, 2002, the Registrant issued a press release  stating that
the Missouri Public Service Commission on July 25,  approved a joint  settlement
reached in the  earnings  complaint  case filed by the Missouri  Public  Service
Commission staff against Union Electric Company d/b/a AmerenUE, the Registrant's
subsidiary,  in July 2001.  On July 16,  2002,  AmerenUE  and all other  parties
participating  in the case submitted the joint settlement to the Missouri Public
Service  Commission.  The  press  release  is  attached  as  Exhibit  99  and is
incorporated herein by reference.

ITEM 7.    EXHIBITS

           (c)  Exhibits.

                99 Press release, dated July 25, 2002, issued by the Registrant.

                                    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 thereunto duly authorized.

                               AMEREN CORPORATION
                                  (Registrant)

                               By    /s/ Martin J. Lyons
                                 -------------------------------
                               Name:     Martin J. Lyons
                               Title:    Controller
                                        (Principal Accounting Officer)

Date:  July 25, 2002
Exhibit Index
                                  -------------

Exhibit No.                       Description
-----------                       -----------

    99      - Press release dated July 25, 2002, issued by Ameren Corporation.
EXHIBIT 99

[GRAPHIC OMITTED][GRAPHIC OMITTED]
One Ameren Plaza
1901 Chouteau Avenue
St. Louis, MO 63103

Contact:
Analysts:                      Media:                    Investors:
Bruce Steinke                  Susan Gallagher           Investor Services
(314) 554-2574                 (314) 554-2175            Invest@ameren.com

FOR IMMEDIATE RELEASE
---------------------

             MISSOURI PUBLIC SERVICE COMMISSION APPROVES SETTLEMENT
                     REACHED IN AMERENUE ELECTRIC RATE CASE

St. Louis,  MO, July 25,  2002---The  Missouri Public Service  Commission  today
unanimously approved a settlement reached in the electric rate case of AmerenUE,
a utility subsidiary of Ameren Corporation (NYSE: AEE). On July 16, AmerenUE and
all other parties  participating  in the electric rate case  submitted the joint
settlement to the Missouri Public Service Commission.

     The joint settlement  includes a rate moratorium through June 30, 2006, the
phase-in  of $110  million  in  electric  rate  reductions,  over $2  billion in
critical energy infrastructure  commitments from the company, and $26 million in
funding  during the term of the plan for several  important  programs  that will
benefit  low-income  consumers,  enhance  energy  conservation  and  support the
state's economic development  efforts. In addition,  the settlement calls for an
overall reduction in the companys depreciation expense by $20 million per year.

     Under the joint settlement,  AmerenUE's  Missouri retail electric customers
will also begin  receiving,  in August or  September,  $40 million in  credits-a
one-time benefit averaging $14.50 per residential  customer.  The $40 million in
credits result from the final  settlement of earnings sharing benefits under the
experimental  alternative  regulation plan (EARP),  which expired June 30, 2001.
Under that plan,  stockholders  and customers  shared  earnings  between certain
regulatory return-on-equity thresholds.

     "Obviously,  we are very pleased with the  Commission's  timely  review and
approval of the  settlement  agreement,"  said Charles W. Mueller,  chairman and
chief  executive  officer,  Ameren  Corporation.  "This  settlement will provide
significant  benefits  to our  customers  and to the  state of  Missouri,  while
ensuring the future energy needs of the state."

     "The approved agreement offers AmerenUE electric customers significant rate
reductions, coupled with rate stability and continued strong reliability," added
Gary L. Rainwater,  president and chief operating officer,  Ameren  Corporation.
"The  settlement  will also provide the company with  financial  flexibility  in
addition to  meaningful  incentives to improve its  operations  and enable it to
deliver solid investor returns."

     The joint settlement came in response to an excess earnings  complaint case
filed by the Missouri Public Service  Commission  staff against AmerenUE in July
2001. Copies of the now-approved  joint agreement can be obtained from the MoPSC
website at http://www.psc.state.mo.us.

     AmerenUE is a subsidiary  of St.  Louis-based  Ameren  Corporation.  Ameren
companies serve 1.5 million electric customers and 300,000 natural gas customers
in a 44,500-square-mile area of Missouri and Illinois.
Safe Harbor Statement
---------------------

     Statements made in this release,  which are not based on historical  facts,
are  "forward-looking"  and,  accordingly,  involve risks and uncertainties that
could cause actual results to differ  materially from those discussed.  Although
such "forward-looking"  statements have been made in good faith and are based on
reasonable assumptions,  there is no assurance that the expected results will be
achieved.  These statements include (without limitation) statements as to future
expectations,  beliefs, plans, strategies,  objectives,  events, conditions, and
financial  performance.  In connection with the "Safe Harbor"  provisions of the
Private  Securities  Litigation  Reform Act of 1995,  Ameren is  providing  this
cautionary  statement  to identify  important  factors  that could cause  actual
results to differ  materially from those  anticipated.  The factors discussed in
Ameren's  annual report on SEC Form 10-K for the fiscal year ended  December 31,
2001,  and  subsequent  securities  filings,   could  cause  results  to  differ
materially from management  expectations as suggested by such  "forward-looking"
statements.