The San Antonio-based bank, with assets of $7.4 billion,services commercial and consumer segments. The company hasmaintained a third-quarter return on average assets of 1.53% andreturns on average equity of slightly more than 20%, according toDick Evans, chairman and CEO. Third quarter 1999's figures had been1.41% and 18.68%, respectively.

Net interest income has increased 9% while non-interest revenuehas jumped 12.9%. As of Sept. 30, year-to-date loans are riding 10%higher than last year, coming in at $4.5 billion. Deposits are up6.6% for a year-to-date of $6.2 billion.

Third-quarter earnings at .52 per diluted common share, show a15.6% increase from .45 per diluted common share reported in thirdquarter 1999. Earnings for this year's first three quarters total$80.5 million or $1.50 per diluted common share, up 12.8% from thesame period in 1999. Founded in 1868, Frost Bank has 80 offices inTexas.