<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CURRENT
REPORT ON FORM 10-Q FOR THE QUARTER ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND ACCOMPANYING DISCLOSUES.
</LEGEND>
<CIK> 0000039263
<NAME> CULLEN/FROST BANKERS, INC.
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 660,068
<INT-BEARING-DEPOSITS> 6,709
<FED-FUNDS-SOLD> 135,275
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 1,614,106
<INVESTMENTS-CARRYING> 78,337
<INVESTMENTS-MARKET> 78,577
<LOANS> 4,425,799
<ALLOWANCE> 58,965
<TOTAL-ASSETS> 7,327,930
<DEPOSITS> 6,127,570
<SHORT-TERM> 273,218
<LIABILITIES-OTHER> 304,031
<LONG-TERM> 98,541
0
0
<COMMON> 536
<OTHER-SE> 524,034
<TOTAL-LIABILITIES-AND-EQUITY> 7,327,930
<INTEREST-LOAN> 188,522
<INTEREST-INVEST> 54,755
<INTEREST-OTHER> 2,370
<INTEREST-TOTAL> 245,647
<INTEREST-DEPOSIT> 73,317
<INTEREST-EXPENSE> 88,113
<INTEREST-INCOME-NET> 157,534
<LOAN-LOSSES> 5,549
<SECURITIES-GAINS> (8)
<EXPENSE-OTHER> 153,829
<INCOME-PRETAX> 80,647
<INCOME-PRE-EXTRAORDINARY> 80,647
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 52,786
<EPS-BASIC> 1.01
<EPS-DILUTED> .98
<YIELD-ACTUAL> 8.29
<LOANS-NON> 13,016
<LOANS-PAST> 5,810
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,298
<ALLOWANCE-OPEN> 58,345
<CHARGE-OFFS> (6,680)
<RECOVERIES> 1751
<ALLOWANCE-CLOSE> 58,965
<ALLOWANCE-DOMESTIC> 55,655
<ALLOWANCE-FOREIGN> 64
<ALLOWANCE-UNALLOCATED> 3,246
</TABLE>