-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 HghXf03kz+gbe03GpPu43fP/cWNO21i2tEt24urGsz5TUoSipLkFF4blIedBERm5
 +qmVPXE6W5SFMQqNx9uuTA==

<SEC-DOCUMENT>0001181431-04-012081.txt : 20040226
<SEC-HEADER>0001181431-04-012081.hdr.sgml : 20040226
<ACCEPTANCE-DATETIME>20040226134649
ACCESSION NUMBER:		0001181431-04-012081
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041231
FILED AS OF DATE:		20040226

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MURRAY JAMES L
		CENTRAL INDEX KEY:			0001198017

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11986
		FILM NUMBER:		04630057

	BUSINESS ADDRESS:	
		STREET 1:		SUMMIT BANCSHARES INC
		STREET 2:		1300 SUMMIT AVE.
		CITY:			FORT WORTH
		STATE:			TX
		ZIP:			76102

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SUMMIT BANCSHARES INC /TX/
		CENTRAL INDEX KEY:			0000745344
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				751694807
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		1300 SUMMIT AVE
		CITY:			FORT WORTH
		STATE:			TX
		ZIP:			76102
		BUSINESS PHONE:		8173368383

	MAIL ADDRESS:	
		STREET 1:		1300 SUMMIT AVENUE
		CITY:			FORT WORTH
		STATE:			TX
		ZIP:			76102
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>rrd34738.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2004-12-31</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <form3HoldingsReported>0</form3HoldingsReported>

    <form4TransactionsReported>0</form4TransactionsReported>

    <issuer>
        <issuerCik>0000745344</issuerCik>
        <issuerName>SUMMIT BANCSHARES INC /TX/</issuerName>
        <issuerTradingSymbol>SBIT</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001198017</rptOwnerCik>
            <rptOwnerName>MURRAY JAMES L</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>SUMMIT BANCSHARES, INC.</rptOwnerStreet1>
            <rptOwnerStreet2>3880 HULEN STREET, SUITE 300</rptOwnerStreet2>
            <rptOwnerCity>FORT WORTH</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>76107</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock, $1.25 par value</value>
            </securityTitle>
            <transactionDate>
                <value>2004-02-25</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>G</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>50</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>31.40</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>149126</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>/s./James L. Murray</signatureName>
        <signatureDate>2004-02-25</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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