text: **SECURITIES AND EXCHANGE COMMISSION**
  Washington, D.C. 20549 
  
  **FORM 10-K**
  
  **FOR ANNUAL AND TRANSITION REPORTS**
  **PURSUANT TO SECTION 13 OR 15(d) OF THE**
  **SECURITIES EXCHANGE ACT OF 1934**
  (Mark One) 
  
  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES 
  EXCHANGE ACT OF 1934 
  
  For the fiscal year ended December 31, 2002 
  OR 
  
  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES 
  EXCHANGE ACT OF 1934 
  
  For the transition period from__ _____to__ ____ __
  
  **Commission file number 0-7674**
  
  **First Financial Bankshares, Inc.**
  (Exact Name of Registrant as Specified in Its Charter) 
  
  **Texas**
  (State or Other Jurisdiction of 
  Incorporation or Organization)  **75-0944023**
  (I.R.S. Employer 
  Identification No.) 
  
  **400 Pine Street**
  **Abilene, Texas**
  (Address of Principal Executive Offices)  **79601**
  (Zip Code) 
  
  Registrant’s telephone number, including area code:  **(915) 627-7155**
  
  Securities registered pursuant to Section 12(b) of the Act: 
  
  Title of Class 
  None  Name of Exchange on Which Registered 
  N/A 