Cullen/Frost Bankers (CFR) 8-K 2003 and Timing of Earnings Conference Call

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 28, 2004
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 January 28, 2004 with respect to the Registrant's financial results for the
		quarter and year ended December 31, 2003
Item 12. Results of Operations and Financial Condition
Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on January 28, 2004 regarding its financial results for the quarter and year ended December 31, 2003. The information furnished by the Registrant pursuant to this item shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934.

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:	January 28, 2004

EXHIBIT INDEX
Exhibit
Number	Description
99.1	Press Release dated January 28, 2004 with respect to the Registrant's financial results for the
	quarter and year ended December 31, 2003