-----BEGIN PRIVACY-ENHANCED MESSAGE-----
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,
 Hixka6qyS5Swuf17jdfb7Cw+o5nNG3yGGQaDBNdgEvCyivinDcItphoK4J4vUwrj
 HTmx98ZhQH/7yhs5madi0A==

<SEC-DOCUMENT>0001209191-03-013449.txt : 20030725
<SEC-HEADER>0001209191-03-013449.hdr.sgml : 20030725
<ACCEPTANCE-DATETIME>20030725110947
ACCESSION NUMBER:		0001209191-03-013449
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030724
FILED AS OF DATE:		20030725

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:			HAYNE JAMES L
		CENTRAL INDEX KEY:			0001128405

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13221
		FILM NUMBER:		03802415

	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>X0101</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-07-24</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000039263</issuerCik><issuerName>CULLEN FROST BANKERS INC</issuerName>        <issuerTradingSymbol>CFR</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001128405</rptOwnerCik><rptOwnerName>HAYNE JAMES L</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>  </rptOwnerStreet1><rptOwnerStreet2>  </rptOwnerStreet2><rptOwnerCity>  </rptOwnerCity><rptOwnerState>  </rptOwnerState><rptOwnerZipCode>  </rptOwnerZipCode></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><derivativeSecurity><securityTitle><value>Stock Option (right to buy)</value></securityTitle><conversionOrExercisePrice><value>35.8
4</value></conversionOrExercisePrice><transactionDate><value>2003-07-24</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>2000</value></transactionShares><transactionValue><value>0</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>2003-07-24</value></exerciseDate><expirationDate><value>2009-07-24</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>2000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndi
rectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeSecurity><footnotes></footnotes><ownerSignature><signatureName>/s/ James L. Hayne</signatureName><signatureDate>2003-07-25</signatureDate></ownerSignature></ownershipDocument>

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