EXHIBIT 32.2

                        SECTION 1350 CERTIFICATION OF THE
                      CORPORATION'S CHIEF FINANCIAL OFFICER


Pursuant to Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18,
United States Code in accordance with Section 906 of the Sarbanes-Oxley Act of
2002, the undersigned, Phillip D. Green, Chief Financial Officer, of
Cullen/Frost Bankers, Inc. (the "Corporation"), hereby certifies, to his
knowledge, that the Corporation's Annual Report on Form 10-K for the year ended
December 31, 2003 (the "Report") fully complies with the requirements of Section
13(a) or 15(d) of the Securities Exchange Act of 1934, and that the information
contained in the Report fairly presents, in all material respects, the financial
condition and results of operations of the Corporation.



/s/ Phillip D. Green                              February 18, 2004
- ----------------------------------               -------------------
Phillip D. Green


The forgoing certification is being furnished solely pursuant to Subsections (a)
and (b) of Section 1350, Chapter 63 of Title 18, United States Code in
accordance with Section 906 of the Sarbanes-Oxley Act of 2002 and 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.