20022001
Annual Meeting
Tuesday, April 22, 2003
Abilene Civic Center
1100 N. Sixth Street
Abilene, T exas 79601
Corporate Ofﬁces
400 Pine Street
Abilene, T exas 79601
325.627.7155
fﬁn@abilene.com
http://www.fﬁn.com
Corporate Mailing
Address
P. O .  Box 701
Abilene, T exas 79604
Common Stock Listing
The NASDAQ Stock
Market®
Symbol: FFIN
For Financial Information,
Contact:
J. Bruce Hildebrand
Executive Vice President
325.627.7167
Transfer Agent
The Bank of New York
1.866.828.8173
Address Shareholder Inquiries to:
Shareholder Relations Dept.
P.O. Box 11258
Church Street Station
New York, NY 10286
E-mail Address:
shareowner-svcs@
bankofny.com
The Bank of New York 
Stock Transfer Website:
http://www.stockbny.com
Send Certiﬁcates for Transfer and
Address Changes to:
Receive and Deliver Dept.
P.O. Box 11002
Church Street Station
New York, NY 10286
Independent Public
Auditors
Ernst & Young LLP
Ofﬁcers
Kenneth T. Murphy
Chairman of the Board
F. Scott Dueser
President and Chief 
Executive Ofﬁcer
Curtis R. Harvey
Executive Vice President and
Chief Financial Ofﬁcer
J. Bruce Hildebrand
Executive Vice President
Robert S. Patterson
Senior Vice President, 
Trust Services
Gary S. Gragg
Senior Vice President
William A. Rowe
Vice President, 
Investment Securities
Sandy Lester
Secretary-Treasurer
June D. Wideman
Administrative Ofﬁcer
Directors
Kenneth T. Murphy
Chairman of the Board
Joseph E. Canon
Executive Director,
Dodge Jones Foundation
Mac A. Coalson
Real Estate and Ranching
David Copeland
President, 
Shelton Family Foundation
F. Scott Dueser
President and Chief 
Executive Ofﬁcer
Derrell Johnson
President, American Council
of Engineering Companies
Life Health Trust
Kade Matthews
Ranching and Investments
Raymond A. McDaniel, Jr.
Investments
Bynum Miers
Ranching
James Parker
President,
Parker Properties, Inc.
Jack D. Ramsey, M.D.
Physician
Craig Smith
Chairman, 
Hereford State Bank
Dian Graves Stai
Investments
F.L. (Steve) Stephens
Retired Chairman and Chief
Executive Ofﬁcer, T own &
Country Food Stores, Inc.
QUARTER HIGH LOW CLOSE DIVIDENDS
Fourth $42.00 $34.65 $38.00 $0.350
Third 41.73 34.85 36.44 0.350
Second 43.00 33.00 41.84 0.350
First 34.30 29.30 33.21 0.300
Fourth $31.88 $27.20 $30.10 $0.300
Third 32.91 27.00 29.03 0.300
Second 31.44 25.00 31.00 0.300
First 27.15 23.40 26.60 0.264