Country star KEITH URBAN still has major regrets about agreeing to pose naked for saucy women's magazine PLAYGIRL.

The singer was embarrassed when chat show host Jay Leno produced the candid shot from the Somebody Like You hitmaker's bad boy past during an interview on The Tonight Show on Thursday (10Jan13).

Urban attempted to laugh it off, but it was clear he still feels awkward about the 2002 cover shoot, in which her poses nude with nothing but a strategically-placed guitar to cover up his modesty.

He said, "There are certain career regrets I have. That falls into that category. That falls into the 'what the hell was I thinking?' category."

And he joked, "I'm just glad that I play guitar and not (the) harmonica."