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: July 15, 2003 SUMMIT BANCSHARES, INC. ----------------------- (Exact name of registrant as specified in its charter) Texas 0-11986 75-1694807 - ------------------------ ------------------------ ------------------------ (State of Incorporation) (Commission File Number) (I.R.S. Employer ID No.) 3880 Hulen Street, Fort Worth, Texas 76107 ------------------------------------------ (Address of principal executive offices) (817) 336-6817 ---------------------------------------------------- (Registrant's telephone number, including area code) N/A -------------------------------------------------------------- (Former name or former address, if changed since last report.) ITEM 1. CHANGES IN CONTROL OF REGISTRANT Not Applicable ITEM 2. ACQUISITION OR DISPOSITION OF ASSETS Not Applicable ITEM 3. BANKRUPTCY OR RECEIVERSHIP Not Applicable ITEM 4. CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT Not Applicable ITEM 5. OTHER EVENTS Not Applicable ITEM 6. RESIGNATIONS OF REGISTRANT'S DIRECTORS Not Applicable ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS (c) Exhibits. The following materials are filed as exhibits to this Current Report on Form 8-K: Exhibit Number Description of Exhibit ------ ---------------------- 99.1 Press Release dated July 14, 2003 ITEM 8. CHANGE IN FISCAL YEAR Not Applicable ITEM 9. REGULATION F D DISCLOSURE See Item 12 ITEM 10. AMENDMENTS TO THE REGISTRANT'S CODE OF ETHICS, OR WAIVER OF A PROVISION OF THE CODE OF ETHICS Not Applicable ITEM 11. TEMPORARY SUSPENSION OF TRADING UNDER REGISTRANT'S EMPLOYEE BENEFIT PLANS Not Applicable ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On July 14, 2003, Summit Bancshares, Inc. ("Summit Bancshares") issued a press release announcing its earnings for the second quarter of 2003. A copy of Summit Bancshares' press release is attached hereto as Exhibit 99.1. The press release is incorporated by reference into this Item 12 and the foregoing description of the press release is qualified in its entirety by reference to this exhibit. 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, thereunto duly authorized. SUMMIT BANCSHARES, INC. DATE: July 15, 2003 By: /s/ Bob G. Scott ------------------------------------- Bob G. Scott, Chief Operating Officer EXHIBIT INDEX Exhibit Number Description of Exhibit - ------ ---------------------- 99.1 Press Release dated July 14, 2003