Cullen/Frost Bankers (CFR) 8-K Cullen/frost Reports Second Quarter

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): July 23, 2003
CULLEN/FROST BANKERS, INC.
(Exact name of issuer as specified in its charter)
Texas	0-7275		74-1751768
(State of	(Commission		(IRS Employer
incorporation)	File Number)		Identification No.)
100 West Houston Street, San Antonio, Texas		78205
(Address of principal executive offices)		(Zip Code)
(210) 220-4011
(Registrant's telephone number,
including area code)

Item 7. Financial Statements and Exhibits
(c)   Exhibits:
	99.1	Press Release dated July 23, 2003 with respect to the Registrant's financial results for the
		quarter ended June 30, 2003
Item 9. Regulation FD Disclosure
Attached, as Exhibit 99.1, is a press release issued by the Registrant on July 23, 2003 regarding its financial results for the three and six months ended June 30, 2003. This information is being furnished pursuant to Item 12 - Results of Operations and Financial Condition, of Form 8-K and is presented under Item 9 of Form 8-K in accordance with interim guidance issued by the Securities and Exchange Commission in Release Nos. 33-8216 and 34-47583. This information shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall such information be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended.

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.
	CULLEN/FROST BANKERS, INC.
By:	/s/ Phillip D. Green
	Phillip D. Green
	Group Executive Vice President
	and Chief Financial Officer
Dated:	July 23, 2003

EXHIBIT INDEX
Exhibit
Number	Description
99.1	Press Release dated July 23, 2003 with respect to the Registrant's financial results for the
	quarter ended June 30, 2003