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): February 26, 1998 THE ST. PAUL COMPANIES, INC. ------------------------------------------------------ (Exact name of Registrant as specified in its charter) Minnesota 0-3021 41-0518860 --------------- ------------------------ --------------------- (State of Incorporation) (Commission File Number) (I.R.S. Employer Identification No.) 385 Washington St., St. Paul, MN 55102 - -------------------------------- -------- (Address of principal executive offices) (Zip Code) (612) 310-7911 ---------------------------------- (Registrant's telephone number, including area code) N/A ------------------------------------------------------------- (Former name or former address, if changed since last report) Item 5. Other Events. ------------ Filed herewith and incorporated by reference herein are the following documents for The St. Paul Companies, Inc. and subsidiaries, which are attached hereto as Exhibit 27, and Exhibits 99(a) through 99(k), which The St. Paul Companies, Inc. is making available on February 26, 1998: 1) Financial Data Schedule; 2) Management's Discussion and Analysis of Financial Condition and Results of Operations; 3) Eleven-year Summary of Selected Financial Data; 4) Statement re: Management's Responsibility for Financial Statements; 5) Independent Auditors' Report; 6) Consolidated Statements of Income for the years ended December 31, 1997, 1996 and 1995; 7) Consolidated Balance Sheets - December 31, 1997 and 1996; 8) Consolidated Statements of Shareholders' Equity for the years ended December 31, 1997, 1996 and 1995; 9) Consolidated Statements of Comprehensive Income for the years ended December 31, 1997, 1996 and 1995; 10) Consolidated Statements of Cash Flows for the years ended December 31, 1997, 1996 and 1995; 11) Notes to Consolidated Financial Statements; and 12) Consent of Independent Auditors. Item 7. Exhibits. -------- An Exhibit Index is included herein. 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 thereunto duly authorized. THE ST. PAUL COMPANIES, INC. By /s/ Bruce A. Backberg --------------------- Bruce A. Backberg Senior Vice President and Chief Legal Counsel Date: February 26, 1998 EXHIBIT INDEX ------------- Exhibit - ------- 27 Financial Data Schedule 99 a) Management's Discussion and Analysis of Financial Condition and Results of Operations; b) Eleven-year Summary of Selected Financial Data; c) Statement re: Management's Responsibility for Financial Statements; d) Independent Auditors' Report; e) Consolidated Statements of Income for the years ended December 31, 1997, 1996 and 1995; f) Consolidated Balance Sheets - December 31, 1997 and 1996; g) Consolidated Statements of Shareholders' Equity for the years ended December 31, 1997, 1996 and 1995; h) Consolidated Statements of Comprehensive Income for the years ended December 31, 1997, 1996 and 1995; i) Consolidated Statements of Cash Flows for the years ended December 31, 1997, 1996 and 1995; j) Notes to Consolidated Financial Statements; and k) Consent of Independent Auditors. All exhibits filed electronically via EDGAR System.