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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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<B><FONT SIZE=3><P ALIGN="CENTER">FORM 8-K</B></FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">CURRENT REPORT</B></FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">Pursuant to Section&nbsp;13 or 15(d) of </FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">the Securities Exchange Act of 1934 </FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">Date of Report</B> (Date of earliest event reported): <B>  February&nbsp;6, 2004</B></FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">CULLEN/FROST BANKERS, INC.</B></FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">(Exact name of issuer as specified in its charter)</FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">Texas</B></FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" COLSPAN=2>
<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=3><P ALIGN="CENTER">(State of</FONT></TD>
<TD WIDTH="33%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="CENTER">(Commission </FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">(IRS Employer</FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">incorporation)&#9;</FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">File Number)</FONT></TD>
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<FONT SIZE=3><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=3><P ALIGN="CENTER">(Address of principal executive offices)</FONT></TD>
<TD WIDTH="43%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="CENTER">(Zip Code)</FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">(210) 220-4011</B></FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">(Registrant's telephone number,</FONT></TD>
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<FONT SIZE=3><P ALIGN="CENTER">including area code)</FONT></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.&#9;Other Events</B></FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on February&nbsp;6, 2004 regarding its announcement that Cullen/Frost Capital Trust&nbsp;II, a Delaware business trust, has agreed to issue and sell $100,000,000 of Floating Rate (three-month LIBOR plus a margin of 1.55 percent) Capital Securities, Series A, (the "Capital Securities"), which will represent beneficial interests in the assets of the trust, to an initial purchaser in a private transaction.  The Capital Securities will not be registered under the Securities Act of 1933, as amended, and may not be offered or sold in the United States absent registration or an applicable exemption from such registration requirements.</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 7.&#9;Financial Statements and Exhibits</B></FONT></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>99.1</FONT></TD>
<TD WIDTH="85%" VALIGN="TOP">
<FONT SIZE=3><P ALIGN="JUSTIFY">Press release dated February&nbsp;6, 2004.</FONT></TD>
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<TD WIDTH="85%" VALIGN="TOP">&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY"></P>
<P ALIGN="JUSTIFY">&nbsp;</P></FONT>
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<B><FONT SIZE=3><P ALIGN="CENTER">SIGNATURES</B></FONT></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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<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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<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
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<FONT SIZE=3><P ALIGN="RIGHT">By:&nbsp;&nbsp;</FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">/s/ Phillip D. Green</FONT></TD>
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<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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<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="JUSTIFY">Phillip D. Green</FONT></TD>
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<TD WIDTH="50%" VALIGN="TOP" COLSPAN=2>
<FONT SIZE=3><P ALIGN="JUSTIFY">Group Executive Vice President</FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">and Chief Financial Officer</FONT></TD>
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<FONT SIZE=3><P ALIGN="RIGHT">Dated:&nbsp;&nbsp;</FONT></TD>
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<FONT SIZE=3><P ALIGN="JUSTIFY">February&nbsp;6, 2004</FONT></TD>
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<B><FONT SIZE=3><P ALIGN="CENTER">EXHIBIT INDEX</B></FONT></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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<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 dated February&nbsp;6, 2004</FONT></TD>
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<TD WIDTH="82%" VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
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{"company-data": {"conformed-name": "CULLEN FROST BANKERS INC", "cik": "0000039263", "assigned-sic": "6021", "irs-number": "741751768", "state-of-incorporation": "TX", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-13221", "film-number": "04575192"}, "business-address": {"street1": "100 W HOUSTON ST", "street2": "P O BOX 1600", "city": "SAN ANTONIO", "state": "TX", "zip": "78205", "phone": "2102204841"}, "former-company": {"former-conformed-name": "FROST BANK CORP", "date-changed": "19770823"}}
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):
February 6, 2004
CULLEN/FROST BANKERS, INC.
(Exact name of issuer as specified in its charter)
Texas
0-7275
74-1751768
(State of
(Commission
(IRS Employer
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)
Item 5.	Other Events
Attached as Exhibit 99.1 and incorporated into this item by reference is a press release issued by the Registrant on February 6, 2004 regarding its announcement that Cullen/Frost Capital Trust II, a Delaware business trust, has agreed to issue and sell $100,000,000 of Floating Rate (three-month LIBOR plus a margin of 1.55 percent) Capital Securities, Series A, (the "Capital Securities"), which will represent beneficial interests in the assets of the trust, to an initial purchaser in a private transaction.  The Capital Securities will not be registered under the Securities Act of 1933, as amended, and may not be offered or sold in the United States absent registration or an applicable exemption from such registration requirements.
Item 7.	Financial Statements and Exhibits
(c)   Exhibits:
99.1
Press release dated February 6, 2004.
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/ Phillip D. Green
Phillip D. Green
Group Executive Vice President
and Chief Financial Officer
Dated:
February 6, 2004
EXHIBIT INDEX
Exhibit
Number
Description
99.1
Press Release dated February 6, 2004