text: Annual Meeting 
  Tuesday, April 22, 2003 
  Abilene Civic Center 
  1100 N. Sixth Street 
  Abilene, Texas 79601 
  
  Corporate Ofﬁces 
  400 Pine Street 
  Abilene, Texas 79601 
  325.627.7155 
  fﬁn@abilene.com 
  http://www.fﬁn.com 
  
  Corporate Mailing 
  Address 
  P.O. Box 701 
  Abilene, Texas 79604 
  
  Common Stock Listing 
  The NASDAQ Stock 
  Market® 
  Symbol: FFIN 
  
  For Financial Information, 
  Contact: 
  J. Bruce Hildebrand 
  *Executive Vice President*
  325.627.7167 