UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON D.C. 20549
FORM 11-K
[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 1999
OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from ________ to ________
Commission file number 33-39386
A. Full title of the plan and the address of plan, if different from that
of the issuer named below:
TEXAS REGIONAL BANCSHARES, INC.
EMPLOYEE STOCK OWNERSHIP PLAN
(including 401(k) provisions)
B. Name of issuer of the securities held pursuant to the plan and the
address of its principal executive office:
TEXAS REGIONAL BANCSHARES, INC.
3900 North 10th, 11th Floor
McAllen, Texas 78501
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REQUIRED INFORMATION
Texas Regional Bancshares, Inc. Employee Stock Ownership Plan (including
401(k) provisions) (the "Plan") is subject to the Employee Retirement Income
Security Act of 1974 ("ERISA"). In lieu of the requirements of Items 1-3 of
Form 11-K, the Plan will file plan financial statements and schedules
prepared in accordance with the financial reporting requirements of ERISA
within 180 days after the Plan's fiscal year end.
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act of
1934,the trustee (or other persons who administer the employee benefit plan)
have duly caused this annual report to be signed on its behalf by the
undersigned hereunto duly authorized.
TEXAS REGIONAL BANCSHARES, INC.
EMPLOYEE STOCK OWNERSHIP PLAN
(Including 401(k) provisions)
Date: 3-24-2000 /s/ G. E. RONEY
----------------------------- --------------------------------------
G. E. Roney
Trustee
