UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549

                                    FORM 8-K


                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(d) OF THE

                         SECURITIES EXCHANGE ACT OF 1934


Date of Report (Date of Earliest Event Reported):    October 1, 2002


                        FIRST FINANCIAL BANKSHARES, INC.
                        --------------------------------
             (Exact Name of Registrant as Specified in its Charter)


        Texas                         0-7674                       75-0944023
- ------------------------      ---------------------          -------------------
(State of Incorporation)      (Commission File No.)          (IRS Employer
                                                             Identification No.)


                      400 Pine Street, Abilene, Texas 79601
                      -------------------------------------
              (Address of Principal Executive Offices and Zip Code)

                  Registrant's Telephone Number (915) 627-7155





ITEM 5.  Other Events

     F. Scott Dueser,  President  and CEO of First  Financial  Bankshares,  Inc.
announced that J. Bruce  Hildebrand  has been named as the next Chief  Financial
Officer of the Company.  Mr.  Hildebrand  will replace  Curtis Harvey during the
first  quarter of 2003.  Mr.  Harvey will be leaving the Company to enter into a
new business  venture in Fort Worth,  Texas.  Mr.  Harvey has served the Company
very capably over the past 12 years,  and he and Mr.  Hildebrand will be able to
work   together   for  several   months  to  assure  a  smooth   transition   of
responsibilities.

     Mr.  Hildebrand  is a certified  public  accountant  and has  experience in
working with publicly held companies and financial institutions.  Mr. Hildebrand
is currently a Financial  Services  Audit  Partner in the Dallas  Office of KPMG
LLP. He has been with KPMG since 1979 and has been a partner since 1990. He is a
graduate of Northwestern  Louisiana State  University and has been involved with
the  United  Way of Dallas,  the  Finance  Committees  of Whites  Chapel  United
Methodist Church and the Carroll  Independent School District.  He and his wife,
Nancy, have three sons.


                                   SIGNATURES
                                   ----------

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  Report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.


                                      FIRST FINANCIAL BANKSHARES, INC.
                                      (Registrant)



DATE:  October 1, 2002                By:  /S/F. Scott Dueser
                                           -------------------------------------
                                           F. SCOTT DUESER
                                           President and Chief Executive Officer