X0201 4 2003-11-03 0 0000086312 ST PAUL COMPANIES INC /MN/ SPC 0001220006 LAWRENCE JAMES A 385 WASHINGTON STREET ST. PAUL MN 55102 1 0 0 0 Deferred Compensation Phantom Stock 2003-11-03 4 A 0 51.49 38.84 A Common Stock 51.49 611.83 D Deferred Compensation Phantom Stock 2003-11-04 4 A 0 170.05 38.96 A Common Stock 170.05 781.88 D This Deferred Compensation Phantom Stock is converted on a one-for-one basis. These are phantom shares acquired under the Company's Director's Deferred Compensation Plan. Allowed distributions must be received by the Reporting Person in cash according to an election previously made by the Reporting Person, approved by the Company's Compensation Committee, and kept on file by the Company. Acquisitions are exempt under Rule 16b-3(d). Bruce A. Backberg, by power of attorney 2003-11-05