CULLEN FROST BANKERS INC
10-Q, EX-27, 2000-10-26
NATIONAL COMMERCIAL BANKS
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<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 SEPTEMBER 30, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND ACCOMPANYING
DISCLOSURE.
</LEGEND>
<CIK> 0000039263
<NAME> CULLEN/FROST BANKERS, INC
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                         685,383
<INT-BEARING-DEPOSITS>                           5,410
<FED-FUNDS-SOLD>                               248,825
<TRADING-ASSETS>                                   230
<INVESTMENTS-HELD-FOR-SALE>                  1,400,936
<INVESTMENTS-CARRYING>                          74,612
<INVESTMENTS-MARKET>                            75,156
<LOANS>                                      4,468,818
<ALLOWANCE>                                     59,965
<TOTAL-ASSETS>                               7,354,813
<DEPOSITS>                                   6,204,953
<SHORT-TERM>                                   367,372
<LIABILITIES-OTHER>                            136,758
<LONG-TERM>                                     98,554
                                0
                                          0
<COMMON>                                           536
<OTHER-SE>                                     546,640
<TOTAL-LIABILITIES-AND-EQUITY>               7,354,813
<INTEREST-LOAN>                                290,206
<INTEREST-INVEST>                               81,397
<INTEREST-OTHER>                                 5,536
<INTEREST-TOTAL>                               377,139
<INTEREST-DEPOSIT>                             114,846
<INTEREST-EXPENSE>                             137,641
<INTEREST-INCOME-NET>                          239,498
<LOAN-LOSSES>                                    8,985
<SECURITIES-GAINS>                                 (6)
<EXPENSE-OTHER>                                232,302
<INCOME-PRETAX>                                123,109
<INCOME-PRE-EXTRAORDINARY>                     123,109
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    80,544
<EPS-BASIC>                                       1.54
<EPS-DILUTED>                                     1.50
<YIELD-ACTUAL>                                    8.36
<LOANS-NON>                                     17,300
<LOANS-PAST>                                    15,942
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,106
<ALLOWANCE-OPEN>                                58,345
<CHARGE-OFFS>                                  (9,931)
<RECOVERIES>                                     2,566
<ALLOWANCE-CLOSE>                               59,965
<ALLOWANCE-DOMESTIC>                            56,971
<ALLOWANCE-FOREIGN>                                 30
<ALLOWANCE-UNALLOCATED>                          2,964


</TABLE>


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