FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person *   Severyn Carol Jean 2. Date of Event Requiring Statement (Month/Day/Year) 01/30/2019 3. Issuer Name and Ticker or Trading Symbol CULLEN/FROST BANKERS, INC. [CFR] (Last) (First) (Middle) 100 WEST HOUSTON STREET 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) GEVP and Chief Risk Officer 5. If Amendment, Date Original Filed(Month/Day/Year) (Street) SAN ANTONIO, TX 78205 6. Individual or Joint/Group Filing(Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Beneficially Owned

1.Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Common Stock, $0.01 par value 7,672 I Through 401(k) Plan

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Employee Stock Option (right to buy)	  (1)	10/20/2019	Common Stock	1,250	$ 50.64	D	Â
Employee Stock Option (right to buy)	  (2)	10/26/2020	Common Stock	2,500	$ 52.46	D	Â
Emloyee Stock Option (right to buy)	  (3)	10/29/2023	Common Stock	3,850	$ 71.39	D	Â
Employee Stock Option (right to buy)	  (4)	10/28/2024	Common Stock	5,000	$ 78.92	D	Â
Employee Stock Option (right to buy)	  (5)	10/27/2025	Common Stock	2,500	$ 65.11	D	Â
Restricted Stock Units	  (6)	  (6)	Common Stock	860	$ (7)	D	Â
Restricted Stock Units	  (8)	  (8)	Common Stock	708	$ (7)	D	Â
Restricted Stock Units	  (9)	  (9)	Common Stock	897	$ (7)	D	Â
Restricted Stock Units	  (10)	  (10)	Common Stock	508	$ (7)	D	Â

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Severyn Carol Jean 100 WEST HOUSTON STREET SAN ANTONIO, TX 78205	Â	Â	  GEVP and Chief Risk Officer	Â

Signatures

/s/ Carol Jean Severyn		02/08/2019
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 5(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Vest 25% per year for four years from grant date of 10-20-2009 based on an original award quantity of 5,000 shares.
(2)	Vest 25% per year for four years from grant date of 10-26-2010 based on an original award quantity of 5,000 shares.
(3)	Vest 25% per year for four years from grant date of 10-29-2013.
(4)	Vest 25% per year for four years from grant date of 10-28-2014.
(5)	Vest 25% per year for four years from grant date of 10-27-2015 based on an original award quantity of 5,000 shares.
(6)	Generally vest after four years from grant date of 10-25-2016.
(7)	Each restricted stock unit represents the right to receive one share of Cullen/Frost common stock.
(8)	Generally vest after four years from grant date of 10-24-2017.
(9)	Generally vest after four years from grant date of 10-23-2018.
(10)	Generally vest after four years from grant date of 02-01-2019.

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