Richard W. Evans

RICHARD W. EVANS is Chairman of the Board and Chief Executive Officer of
Cullen/Frost Bankers, Inc. and Frost National Bank. Mr. Evans graduated
from the University of Texas at Austin with a Bachelor of Business
Administration degree in 1967. Before joining Frost Bank’s training
program in 1971, he served as an Assistant National Bank Examiner with
the Comptroller of the Currency. During his career at Frost, he has
served as a Commercial Loan Officer, a Vice President in the bank’s
commercial loan, credit and marketing areas, and then as Senior Vice
President in the Marketing division. In 1977, he was named Executive
Vice President of the banking group and was elected President of Frost
Bank in 1985. In 1993, Mr. Evans was elected Chairman of the Board of
Frost Bank and Chief Banking Officer of Cullen/Frost Bankers. He was
named Chairman of the Board and Chief Operating Officer of Cullen/Frost
in 1995, and in 1997, Chief Executive Officer. Mr. Evans is a member of
the Board of Directors of the Federal Reserve Bank of Dallas and
recently completed a three-year term as a member of the Federal Advisory
Council to the Board of Governors of the Federal Reserve System in
Washington, DC.