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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 Ns7xnbEm6pMjEWUmCtPU9w==

<SEC-DOCUMENT>0001179110-04-017783.txt : 20040909
<SEC-HEADER>0001179110-04-017783.hdr.sgml : 20040909
<ACCEPTANCE-DATETIME>20040909110543
ACCESSION NUMBER:		0001179110-04-017783
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040823
FILED AS OF DATE:		20040909
DATE AS OF CHANGE:		20040909

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Umphrey Thomas Walter
		CENTRAL INDEX KEY:			0001288950

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14517
		FILM NUMBER:		041021875

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		409-283-7955

	MAIL ADDRESS:	
		STREET 1:		490 PARK STREET
		CITY:			BEAUMONT
		STATE:			TX
		ZIP:			77704

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TEXAS REGIONAL BANCSHARES INC
		CENTRAL INDEX KEY:			0000787648
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				742294235
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		3700 N TENTH STE 301
		STREET 2:		PO BOX 5910
		CITY:			MCALLEN
		STATE:			TX
		ZIP:			78501
		BUSINESS PHONE:		9566315400

	MAIL ADDRESS:	
		STREET 1:		P O BOX 5910
		STREET 2:		P O BOX 5910
		CITY:			MCALLEN
		STATE:			TX
		ZIP:			78501-5910
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>FORM 4 -
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-08-23</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000787648</issuerCik>
        <issuerName>TEXAS REGIONAL BANCSHARES INC</issuerName>
        <issuerTradingSymbol>TRBS</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001288950</rptOwnerCik>
            <rptOwnerName>Umphrey Thomas Walter</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>490 PARK STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>BEAUMONT</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>77704</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2004-08-23</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value>E</value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>426840</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1280521</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By Various Partnerships</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes>
        <footnote id="F1">Represents a 3 for 2 stock split effected as a 50% stock dividend declared by the Board of Directors on August 10, 2004 to shareholders of record August 23, 2004 and payable August 30, 2004.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Thomas Walter Umphrey</signatureName>
        <signatureDate>2004-09-09</signatureDate>
    </ownerSignature>
</ownershipDocument>

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