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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>9999999997-04-018398.txt : 20040415
<SEC-HEADER>9999999997-04-018398.hdr.sgml : 20040415
<ACCEPTANCE-DATETIME>20040415163038
<PAPER>
ACCESSION NUMBER:		9999999997-04-018398
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031231
FILED AS OF DATE:		20040415
EFFECTIVENESS DATE:		20040415

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CULLEN FROST BANKERS INC
		CENTRAL INDEX KEY:			0000039263
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				741751768
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13221
		FILM NUMBER:		04025531

	BUSINESS ADDRESS:	
		STREET 1:		100 W HOUSTON ST
		STREET 2:		P O BOX 1600
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
		BUSINESS PHONE:		2102204841

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FROST BANK CORP
		DATE OF NAME CHANGE:	19770823
</SEC-HEADER>
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<TYPE>ARS
<SEQUENCE>1
<FILENAME>9999999997-04-018398.paper
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This document was generated as part of a paper submission.
Please reference the Document Control Number 04025531 for access to the original document.
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