Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

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
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(Print or Type Responses)
1. Name and Address of Reporting Person *
LACHER JOSEPH P JR
   2. Issuer Name and Ticker or Trading Symbol
ST PAUL TRAVELERS COMPANIES INC [STA] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Executive Vice President
(Last)
(First)
(Middle)
THE ST. PAUL TRAVELERS COMPANIES, INC., 385 WASHINGTON STREET		 3. Date of Earliest Transaction (Month/Day/Year)
02/14/2005
(Street)

ST. PAUL, MN 55102		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 02/14/2005   F   418 (1) D $ 39.105 47,058 D  
Common Stock               185.9483 I 401(k) Plan
Common Stock               47 I By spouse

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options (Right to buy) $ 23.64             06/30/1998 06/30/2007 Common Stock 169   169 D  
Stock Options (Right to buy) $ 34.15             03/24/2005 09/24/2007 Common Stock 460   460 D  
Stock Options (Right to buy) $ 34.17             06/30/1999 06/30/2008 Common Stock 116   116 D  
Stock Options (Right to buy) $ 36             06/01/2004 11/30/2008 Common Stock 943   943 D  
Stock Options (Right to buy) $ 36.71             03/24/2004 09/24/2007 Common Stock 271   271 D  
Stock Options (Right to buy) $ 36.97             01/25/2009 01/25/2015 Common Stock 113,391   113,391 D  
Stock Options (Right to buy) $ 37.61             05/03/2004 11/02/2008 Common Stock 853   853 D  
Stock Options (Right to buy) $ 37.98             10/23/2003 10/27/2005 Common Stock 221   221 D  
Stock Options (Right to buy) $ 38.43             06/30/2000 06/30/2009 Common Stock 104   104 D  
Stock Options (Right to buy) $ 38.47             11/15/2003 11/02/2008 Common Stock 742   742 D  
Stock Options (Right to buy) $ 38.54             02/04/2004 09/24/2007 Common Stock 424   424 D  
Stock Options (Right to buy) $ 39.09             11/16/2003 09/24/2007 Common Stock 421   421 D  
Stock Options (Right to buy) $ 40.87             07/13/2004 11/02/2008 Common Stock 96   96 D  
Stock Options (Right to buy) $ 42.55             04/27/2006 04/27/2014 Common Stock 22,434   22,434 D  
Stock Options (Right to buy) $ 42.69             03/22/2003 03/22/2012 Common Stock 54,175   54,175 D  
Stock Options (Right to buy) $ 42.7             10/19/2004 09/24/2007 Common Stock 152   152 D  
Stock Options (Right to buy) $ 42.85             10/20/2004 11/30/2008 Common Stock 844   844 D  
Stock Options (Right to buy) $ 49.42             07/18/2001 04/18/2010 Common Stock 14,387   14,387 D  
Stock Options (Right to buy) $ 51.44             05/02/2002 11/02/2008 Common Stock 726   726 D  
Stock Options (Right to buy) $ 52.4             06/30/2001 06/30/2010 Common Stock 76   76 D  
Stock Options (Right to buy) $ 53.79             05/30/2002 11/30/2008 Common Stock 753   753 D  
Stock Options (Right to buy) $ 54.66             09/27/2002 10/27/2005 Common Stock 196   196 D  
Stock Options (Right to buy) $ 54.98             05/30/2001 11/30/2008 Common Stock 748   748 D  
Stock Options (Right to buy) $ 55.85             01/24/2002 07/24/2006 Common Stock 512   512 D  
Stock Options (Right to buy) $ 55.99             01/13/2001 02/24/2006 Common Stock 3,325   3,325 D  
Stock Options (Right to buy) $ 55.99             01/13/2001 07/24/2006 Common Stock 1,533   1,533 D  
Stock Options (Right to buy) $ 57.49             05/02/2001 11/02/2008 Common Stock 690   690 D  
Stock Options (Right to buy) $ 59.08             07/16/2002 01/16/2011 Common Stock 8,992   8,992 D  
Stock Options (Right to buy) $ 59.22             01/24/2001 07/24/2006 Common Stock 504   504 D  
Stock Options (Right to buy) $ 59.5             03/27/2001 10/27/2005 Common Stock 419   419 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
LACHER JOSEPH P JR
THE ST. PAUL TRAVELERS COMPANIES, INC.
385 WASHINGTON STREET
ST. PAUL, MN 55102		       Executive Vice President  

Signatures

 Anthony M. Pepper, Attorney-in-Fact   02/16/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Shares of common stock withheld to pay taxes upon vesting of previously awarded shares of restricted stock.

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