EXHIBIT 23.4




                      CONSENT OF INDEPENDENT ACCOUNTANTS


We hereby consent to the use in this Registration Statement of First Financial 
Bankshares, Inc. on Form S-4, of which this Exhibit 23.4 is a part, of our 
report, dated January 16, 1998, relating to the audited financial statements of 
Cleburne State Bank as of December 31, 1996 and 1997 and for the three years 
ended December 31, 1997 appearing in the Prospectus, which is part of this 
Registration Statement.

We also consent to the reference to our Firm under the captions "Experts" and 
"Selected Financial Data" in the Prospectus.


                                         /s/ Rylander, Clay & Opitz, L.L.P.
                                         ----------------------------------
                                         RYLANDER, CLAY & OPITZ, L.L.P.




Fort Worth, Texas
October 1, 1998