text: FIRST FINANCIAL BANKSHARES, INC. AND SUBSIDIARIES 
  Notes to Consolidated Financial Statements 
  December 31, 2002, 2001 and 2000 
  
  The amortized cost and estimated fair value of debt securities at December 31, 2002, by contractual and expected 
  maturity, are shown below. 
  
   Held-to-Maturity  Available-for-Sale 
  
  Amortized 
   Cost Basis  Estimated 
   Fair Value  Amortized 
   Cost Basis  Estimated 
   Fair Value 
  
  Due within one year 
  Due after one year through five years 
  Due after five years through ten years 
  Due after ten years  $ 55,959,878 
  121,052,000 
  9,305,724 
   14,132,182  $ 57,124,507 
  129,421,284 
  10,071,540 
   15,244,820  $ 46,281,321 
  377,002,918 
  63,803,688 
   59,525,959  $ 47,124,793 
  390,627,675 
  65,913,832 
   62,611,310 
  
  Total debt securities  $200,449,784  $211,862,151  $546,613,886  $566,277,610 