Cullen/Frost Bankers (CFR) 8-K Cullen/frost Announces Terms of Subordinated Debt Offering by Frost National Bank

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 30, 2001



CULLEN/FROST BANKERS, INC.
(Exact name of registrant as specified in its charter)

Texas
(State or other jurisdiction
of incorporation) 0-7275
(Commission
File Number) 74-1751768
(IRS Employer
Identification No.)

100 West Houston Street, San Antonio, Texas
(Address of principal executive offices) 78205
(Zip Code)

Registrant's telephone number, including area code:   (201) 220-4011

Item 9.	Regulation FD Disclosure The following exhibit is filed herewith:
Exhibit	Description
99.1	Press Release, dated August 1, 2001, with respect to the pricing of the offering of $150,000,000 of subordinated notes by the Registrant’s subsidiary, The Frost National Bank.

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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 hereunto duly authorized.

CULLEN/FROST BANKERS
By:	/s/ Phillip D. Green
	Name: Title:	Phillip D. Green Group Executive Vice President and Chief Financial Officer

Date: August 1, 2001

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