text: 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. 