U.S. SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 5 ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940 [_] Check box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). [_] Form 3 Holdings Reported [_] Form 4 Transactions Reported ________________________________________________________________________________ 1. Name and Address of Reporting Person* Zuraitis Marita - ------------------------------------------------------------------------------ (Last) (First) (Middle) 385 WASHINGTON STREET - ------------------------------------------------------------------------------ (Street) ST. PAUL MN 55102-1396 - ------------------------------------------------------------------------------ (City) (State) (Zip) ________________________________________________________________________________ 2. Issuer Name and Ticker or Trading Symbol THE ST. PAUL COMPANIES, INC. (SPC) ________________________________________________________________________________ 3. IRS Identification Number of Reporting Person, if an Entity (Voluntary) ________________________________________________________________________________ 4. Statement for Month/Day/Year December 31, 2002 ________________________________________________________________________________ *If the form is filled by more than one reporting person, see Instruction 4(b)(v). Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number. 5. If Amendment, Date of Original (Month/Day/Year) ________________________________________________________________________________ 6. Relationship of Reporting Person(s) to Issuer (Check all applicable) [ ] Director [ ] 10% Owner [X] Officer (give title below) [ ] Other (specify below) Title if applicable: EVP, U.S. Insurance Operations ________________________________________________________________________________ 7. Individual or Joint/Group Filing (Check applicable line) [X] Form filed by one Reporting Person [ ] Form filed by more than one Reporting Person ________________________________________________________________________________ ================================================================================ Table I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned ================================================================================ 5. Amount of 6. 4. Securities Owner- Securities Acquired (A) Beneficially ship 2a. 3. or Disposed of (D) Owned Form: 7. Deemed Transaction (Instr. 3, 4 and 5) at End Direct Nature of 2. Execution Code ------------------------------ of Issuer's (D) or Indirect 1. Transaction Date, if (Instr. 8) (A) Fiscal Year Indirect Beneficial Title of Security Date any ------------ Amount or Price (Instr. 3 (I) Ownership (Instr. 3) (mm/yy) (mm/dd/yy) (D) and 4) (Instr.4) (Instr. 4) - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- Common Stock 21,728 D - --------------------------------------------------------------------------------------------------------------------------------- Common Stock 12/31/02 J 30 A 681.25 I By SP Plan - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- =================================================================================================================================== Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. FORM 5 (continued) Table II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities) =================================================================================================================================== 10. 9. Owner- Number ship of Form 2. Deriv- of Conver- 5. 7. ative Deriv- 11. sion Number of Title and Amount Secur- ative Nature or Derivative 6. of Underlying 8. ities Secur- of Exer- 3A. 4. Securities Date Securities Price Bene- ity: In- cise 3. Deemed Trans- Acquired (A) Exercisable and (Instr. 3 and 4) of ficially Direct direct Price Trans- Execution action or Disposed Expiration Date ---------------- Deriv- Owned (D) or Bene- 1. of action Date, if Code of(D) (Month/Day/Year) Amount ative Following In- ficial Title of Deriv- Date any(Month/ (Instr. (Instr. 3, ---------------- or Secur- Reported direct Owner- Derivative ative (Month/ Day/Year) 8) 4 and 5) Date Expira- Number ity Tran(s) (I) ship Security Secur- Day/ ------ -------- Exer- tion of (Instr. (Instr. (Instr. (Instr. (Instr. 3) ity Year) (A) (D) cisable Date Title Shares 5) 4) 4) 4) - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- - --------------------------------------------------------------------------------------------------------------------------------- =================================================================================================================================== Explanation of Responses: By: /s/ Marita Zuraitis 021403 --------------------- --------------- **Signature of Reporting Person Date __________________________ ** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). Note: File three copies of this Form, one of which must be manually signed. If space provided is insufficient, see Instruction 6 for procedure. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.