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<TITLE>ITEM 8</TITLE>
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<B><FONT SIZE=3><P ALIGN="CENTER">UNITED STATES</B></FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">SECURITIES AND EXCHANGE COMMISSION</B></FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">Washington, D.C. 20549</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">FORM 8-K</B></FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">CURRENT REPORT</B></FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">Pursuant to Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934</B></FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">Date of Report</B> </FONT><FONT SIZE=2>(Date of earliest event reported)</FONT><FONT SIZE=3>: <B>  November&nbsp;7, 2005</B></FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<B><FONT SIZE=4><P ALIGN="CENTER">CULLEN/FROST BANKERS, INC.</B></FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">(Exact name of issuer as specified in its charter)</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">Texas</B></FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">0-7275</B></FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">74-1751768</B></FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">(State or other jurisdiction</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=2><P ALIGN="CENTER">(Commission </FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">(IRS Employer</FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">of incorporation)</FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">File Number)</FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">Identification No.)</FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">100 West Houston Street, San Antonio, Texas</B></FONT></TD>
<TD WIDTH="43%" VALIGN="TOP" COLSPAN=2>
<B><FONT SIZE=3><P ALIGN="CENTER">78205</B></FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">(Address of principal executive offices)</FONT></TD>
<TD WIDTH="43%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=2><P ALIGN="CENTER">(Zip Code)</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">(210) 220-4011</B></FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">(Registrant's telephone number, including area code)</FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">Not Applicable</B></FONT></TD>
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<FONT SIZE=2><P ALIGN="CENTER">(Former name or former address, if changed since last report)</FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below): </FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">[&nbsp;&nbsp;]  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">[&nbsp;&nbsp;]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<FONT SIZE=3><P>[&nbsp;&nbsp;]  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act<BR>
&nbsp;&nbsp;&nbsp;&nbsp; (17 CFR 240.14d-2(b))</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<FONT SIZE=3><P>[&nbsp;&nbsp;]  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act<BR>
&nbsp;&nbsp;&nbsp;&nbsp; (17 CFR 240.13e-4(c))</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY"></P>
</FONT><U><FONT SIZE=1><P ALIGN="JUSTIFY">&nbsp;</P></U></FONT>
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<B><FONT SIZE=3><P ALIGN="JUSTIFY">Item 5.02&#9;Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal Officers</B></FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;On November&nbsp;8, 2005, Cullen/Frost Bankers, Inc. (the "Corporation") issued a press release announcing that Mr. Crawford H. Edwards was elected to the Corporation's Board of Directors. The election of Mr. Edwards to the Corporation's Board of Directors was effective as of November&nbsp;7, 2005. The full text of the press release is attached as Exhibit 99.1 and is incorporated into this item by reference.</FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;Mr. Edwards will serve in the class of directors whose terms expire in 2007. Mr. Edwards has not been named to any committees of the Board of Directors.</FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;Mr. Edwards is a borrower under a previously existing line of credit with The Frost National Bank, a wholly-owned subsidiary of the Corporation. The line of credit was entered into in the ordinary course of business, was made on substantially the same terms as those prevailing at the time for comparable transactions with other persons, and did not involve more than the normal risk of collectability or present other unfavorable features.</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
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<B><FONT SIZE=3><P ALIGN="JUSTIFY">Item 9.01&#9;Financial Statements and Exhibits</B></FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;Exhibits:</FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">99.1</FONT></TD>
<TD WIDTH="85%" VALIGN="TOP">
<FONT SIZE=3><P ALIGN="JUSTIFY">Press release dated November&nbsp;8, 2005.</FONT></TD>
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<TD WIDTH="85%" VALIGN="TOP">&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY"></P>
</FONT><FONT SIZE=1><P ALIGN="JUSTIFY">&nbsp;</P></FONT>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">SIGNATURES</B></FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TR><TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<B><FONT SIZE=3><P ALIGN="JUSTIFY">CULLEN/FROST BANKERS, INC.</B></FONT></TD>
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<TR><TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
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<TR><TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="RIGHT">By:&nbsp;&nbsp;</FONT></TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="JUSTIFY">  /s/ Jerry Salinas</FONT></TD>
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<TR><TD WIDTH="25%" VALIGN="TOP" HEIGHT=1><P></P></TD>
<TD WIDTH="25%" VALIGN="TOP" HEIGHT=1><P></P></TD>
<TD WIDTH="32%" VALIGN="TOP" BGCOLOR="#000000" HEIGHT=1><P></P></TD>
<TD WIDTH="18%" VALIGN="TOP" HEIGHT=1><P></P></TD>
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<TR><TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="JUSTIFY">Jerry Salinas</FONT></TD>
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<TR><TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="JUSTIFY">Senior Executive Vice President</FONT></TD>
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<TR><TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="JUSTIFY">and Treasurer</FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="RIGHT">Dated:&nbsp;&nbsp;</FONT></TD>
<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="JUSTIFY">November&nbsp;9, 2005</FONT></TD>
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<FONT SIZE=1><P>&nbsp;</P></FONT>
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<B><FONT SIZE=3><P ALIGN="CENTER">EXHIBIT INDEX</B></FONT></TD>
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<TR><TD VALIGN="TOP" COLSPAN=6>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=6>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=6>&nbsp;</TD>
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<TR><TD VALIGN="TOP" COLSPAN=6>&nbsp;</TD>
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<B><FONT SIZE=3><P>Exhibit</B></FONT></TD>
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<B><FONT SIZE=3><P>Number</B></FONT></TD>
<TD WIDTH="82%" VALIGN="TOP" COLSPAN=4>
<B><FONT SIZE=3><P>Description</B></FONT></TD>
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<TR><TD WIDTH="9%" VALIGN="TOP" BGCOLOR="#000000" HEIGHT=1><P></P></TD>
<TD WIDTH="9%" VALIGN="TOP" HEIGHT=1><P></P></TD>
<TD WIDTH="14%" VALIGN="TOP" BGCOLOR="#000000" HEIGHT=1><P></P></TD>
<TD WIDTH="27%" VALIGN="TOP" HEIGHT=1><P></P></TD>
<TD WIDTH="21%" VALIGN="TOP" HEIGHT=1><P></P></TD>
<TD WIDTH="21%" VALIGN="TOP" HEIGHT=1><P></P></TD>
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<TD WIDTH="82%" VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<FONT SIZE=3><P>&nbsp;&nbsp;&nbsp;99.1</FONT></TD>
<TD WIDTH="82%" VALIGN="TOP" COLSPAN=4>
<FONT SIZE=3><P ALIGN="JUSTIFY">Press release date November&nbsp;8, 2005.</FONT></TD>
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<TD WIDTH="82%" VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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<TD WIDTH="82%" VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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ITEM 8
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)
:
November 7, 2005
CULLEN/FROST BANKERS, INC.
(Exact name of issuer as specified in its charter)
Texas
0-7275
74-1751768
(State or other jurisdiction
(Commission
(IRS Employer
of 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)
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):
[  ]  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[  ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
(17 CFR 240.14d-2(b))
[  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act
(17 CFR 240.13e-4(c))
Item 5.02	Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal Officers
On November 8, 2005, Cullen/Frost Bankers, Inc. (the "Corporation") issued a press release announcing that Mr. Crawford H. Edwards was elected to the Corporation's Board of Directors. The election of Mr. Edwards to the Corporation's Board of Directors was effective as of November 7, 2005. The full text of the press release is attached as Exhibit 99.1 and is incorporated into this item by reference.
Mr. Edwards will serve in the class of directors whose terms expire in 2007. Mr. Edwards has not been named to any committees of the Board of Directors.
Mr. Edwards is a borrower under a previously existing line of credit with The Frost National Bank, a wholly-owned subsidiary of the Corporation. The line of credit was entered into in the ordinary course of business, was made on substantially the same terms as those prevailing at the time for comparable transactions with other persons, and did not involve more than the normal risk of collectability or present other unfavorable features.
Item 9.01	Financial Statements and Exhibits
(c)   Exhibits:
99.1
Press release dated November 8, 2005.
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/ Jerry Salinas
Jerry Salinas
Senior Executive Vice President
and Treasurer
Dated:
November 9, 2005
EXHIBIT INDEX
Exhibit
Number
Description
99.1
Press release date November 8, 2005.