F-3
MANAGEMENT’S REPORT ON RESPONSIBILITY FOR THE FINANCIAL STATEMENTS
The Management of First Financial Bankshares, Inc. and subsidiaries is responsible for the preparation, integrity,
and fair presentation of its annual consolidated financial statements as of December 31, 2002 and 2001, and for each
of the three years in the period ended December 31, 2002.  The financial statements have been prepared in
accordance with accounting principles generally accepted in the United States and, as such, include amounts based
on judgments and estimates made by Management.  Management has also prepared the other information included
in this Annual Report and is responsible for its accuracy and consistency with the consolidated financial statements.
The annual consolidated financial statements as of and for the year ended December 31, 2002 have been audited by
Ernst & Young LLP, who have been given unrestricted access to all financial records and related data, including
minutes of all meetings of shareholders and the Board of Directors.  Management believes that all representations
made to Ernst & Young LLP during the audit were valid and appropriate.
The annual consolidated financial statements as of December 31, 2001, and for the years ended December 31, 2001
and 2000, were audited by Arthur Andersen LLP, who were given unrestricted access to all financial records and
related data, including minutes of all meetings of shareholders and the Board of Directors.  Management believes
that all representations made to Arthur Andersen LLP during the audits were valid and appropriate.  Arthur
Andersen LLP subsequently ceased operations.
F. Scott Dueser
President and Chief Executive Officer
Curtis R. Harvey
Executive Vice President
and Chief Financial Officer