text: FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES 
  Notes to Consolidated Financial Statements 
  December 31, 2002, 2001 and 2000 
  
  Net periodic pension cost for the years ended December 31, 2002, 2001, and 2000, included: 
  
   Year Ended December 31, 
   2000 
   2001 
   2002 
  
  Service cost - benefits earned during the period 
  Interest cost on projected benefit obligation 
  Expected return on plan assets 
  Amortization of unrecognized net loss 
  Amortization of prior-service cost 
  Other  $ 994,630 
  983,977 
  (880,562) 
   116,722 
   17,960 
   (59,405)  $ 847,620 
  970,710 
  (1,153,733) 
   - 
   17,961 
   (58,954)  $ 845,372 
  816,583 
  (1,058,787) 
   - 
  17,961 
   58,779 
  
  Net periodic pension cost  $1,173,322  $ 623,604  $ 679,908 
  
  The following table sets forth the rates used in the actuarial calculations of the present value of benefit obligations 
  and the rate of return on plan assets: 