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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 D/1UF75iEQ1mMgeSO3o3DcohNdYeHWjjif94gIXz3WbOi4iZZFQ06EQsUokXtCUe
 NTMcEjLoqOsRpxG3qSgJkQ==

<SEC-DOCUMENT>0001209191-03-029200.txt : 20031107
<SEC-HEADER>0001209191-03-029200.hdr.sgml : 20031107
<ACCEPTANCE-DATETIME>20031107142808
ACCESSION NUMBER:		0001209191-03-029200
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031104
FILED AS OF DATE:		20031107

ISSUER:		

	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

	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

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			ALEXANDER R DENNY
		CENTRAL INDEX KEY:			0001128390

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13221
		FILM NUMBER:		03984739

	BUSINESS ADDRESS:	
		STREET 1:		100 WEST HOUSTON ST
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
		BUSINESS PHONE:		2102204315

	MAIL ADDRESS:	
		STREET 1:		100 WEST HOUSTON ST
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-11-04</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000039263</issuerCik><issuerName>CULLEN FROST BANKERS INC</issuerName>        <issuerTradingSymbol>CFR</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001128390</rptOwnerCik><rptOwnerName>ALEXANDER R DENNY</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>4200 S. HULEN STREET</rptOwnerStreet1><rptOwnerStreet2>SUITE 617</rptOwnerStreet2><rptOwnerCity>FORT WORTH</rptOwnerCity><rptOwnerState>TX</rptOwnerState><rptOwnerZipCode>76109</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTran
saction><securityTitle><value>Common Stock, $0.01 par value</value></securityTitle><transactionDate><value>2003-11-04</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>G</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value>E</value></transactionTimeliness><transactionAmounts><transactionShares><value>1000.0000</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>91550.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Through limited partnership</value><footnoteId id="F1" /></natureOfOwnership></ownershipNature></nonDe
rivativeTransaction><nonDerivativeHolding><securityTitle><value>Common Stock, $0.01 par value</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>11470.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Through trust</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><footnotes><footnote id="F1">Shares held by the R. Denny Alexander Family Limited Partnership (the "Partnership"), of which the reporting person is a general partner.  The reporting person disclaims beneficial ownership of the Common Stock held by the Partnership except to the extent of his pecuniary interest therein.</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>/s/ R. Denny Alexander</signatureName><signatureDate>2003-11-07</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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