text: In 2003, we will continue to pursue opportunities to grow 
  
  and enhance shareholder value. We plan to actively seek 
  
  strategic acquisitions; look for additional branch locations 
  
  in higher-growth areas to expand our existing banks; and 
  
  increase our mortgage and brokerage operations. We cur- 
  
  rently are in the process of forming a trust company that 
  
  will consolidate our present trust operations, provide 
  
  greater expertise to our clients and allow us to expand trust 
  
  services to additional markets. 
  
  This year’s annual report features a few of the many peo- 
  
  ple that we work for every day – our shareholders and 
  
  customers. As we grow the Company, we promise that our 
  
  dedication to you will not waver, and that we will continue 
  
  to focus on the importance of value and values. 
  
  Thank you for your investment in and support for First 
  
  Financial Bankshares. 