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 (Date of earliest event reported): October 29, 2003 THE ST. PAUL COMPANIES, INC. -------------------------------------------------- (Exact name of Registrant as specified in its charter) Minnesota 001-10898 41-0518860 ------------------- ---------------------- ----------------- (State of (Commission File (I.R.S. Employer Incorporation) Number) Identification No.) 385 Washington St., St. Paul, MN 55102 -------------------------------- --------- (Address of principal executive offices) (Zip Code) (651) 310-7911 ----------------------------- (Registrant's telephone number, including area code) N/A ---------------------------------------------------------- (Former name or former address, if changed since last report) Item 12. Results of Operations and Financial Condition --------------------------------------------- The St. Paul Companies, Inc. on October 29, 2003 issued a press release announcing the company's financial results for the quarter and nine months ended September 30, 2003. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K. 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. THE ST. PAUL COMPANIES, INC. By Bruce A. Backberg ----------------- Bruce A. Backberg Senior Vice President Date: October 29, 2003 EXHIBIT INDEX ------------------- Exhibit No. Description ----------- ----------- 99.1 Press Release of The St. Paul Companies, Inc. dated October 29, 2003.