UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C.  20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report: April 14, 2004

SUMMIT BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

Texas	0-11986	75-1694807
(State of Incorporation)	(Commission File Number)	(I.R.S. Employer ID No.)
3880 Hulen Street, Fort Worth, Texas 76107
(Address of principal executive offices)
(817) 336-6817
(Registrant’s telephone number, including area code)
N/A
(Former name or former address, if changed since last report.)

ITEM 1.	CHANGES IN CONTROL OF REGISTRANT
	Not Applicable
ITEM 2.	ACQUISITION OR DISPOSITION OF ASSETS
	Not Applicable
ITEM 3.	BANKRUPTCY OR RECEIVERSHIP
	Not Applicable
ITEM 4.	CHANGES IN REGISTRANT’S CERTIFYING ACCOUNTANT
	Not Applicable
ITEM 5.	OTHER EVENTS
	Not Applicable
ITEM 6.	RESIGNATIONS OF REGISTRANT’S DIRECTORS
	Not Applicable
ITEM 7.	FINANCIAL STATEMENTS AND EXHIBITS
(c) Exhibits.  The following materials are filed as exhibits to this Current Report on Form 8-K:

Exhibit Number	Description of Exhibit
99.1	Press Release dated April 13, 2004

ITEM 8.	CHANGE IN FISCAL YEAR
	Not Applicable
ITEM 9.	REGULATION F D DISCLOSURE
	See Item 12

ITEM 10.	AMENDMENTS TO THE REGISTRANT’S CODE OF ETHICS, OR WAIVER OF A PROVISION OF THE CODE OF ETHICS
	Not Applicable
ITEM 11.	TEMPORARY SUSPENSION OF TRADING UNDER REGISTRANT’S EMPLOYEE BENEFIT PLANS
	Not Applicable
ITEM 12.	RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On April 13, 2004, Summit Bancshares, Inc. (“Summit Bancshares”) issued a press release announcing its earnings for the first quarter of 2004.  A copy of Summit Bancshares’ press release is attached hereto as Exhibit 99.1.  The press release is incorporated by reference into this Item 12 and the foregoing description of the press release is qualified in its entirety by reference to this exhibit.

SIGNATURE

          Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	SUMMIT BANCSHARES, INC.
DATE:  April 14, 2004	By:	/s/  Bob G. Scott
		Bob G. Scott, Chief Operating Officer

EXHIBIT INDEX

Exhibit Number	Description of Exhibit
99.1	Press Release dated April 13, 2004