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: July 15, 2003

                             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.)


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<PAGE>

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 July 14, 2003

ITEM 8. CHANGE IN FISCAL YEAR

      Not Applicable

ITEM 9. REGULATION F D DISCLOSURE

      See Item 12


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<PAGE>

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 July 14, 2003, Summit Bancshares, Inc. ("Summit Bancshares") issued a
press release announcing its earnings for the second quarter of 2003. 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.


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                                    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: July 15, 2003                      By: /s/ Bob G. Scott
                                             -----------------------------------
                                         Bob G. Scott, Chief Operating Officer


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                                  EXHIBIT INDEX

Exhibit
Number            Description of Exhibit
------            ----------------------

  99.1                       Press Release dated July 14, 2003


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