EXHIBIT 23.4

                  [Letterhead of George, Morgan & Sneed, P.C.]



                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


First Financial Bankshares, Inc.
Abilene, Texas

As independent public accountants, we hereby consent to the use of our report
dated January 7, 1995, on the audited consolidated financial statements of
Weatherford National Bancshares, Inc. as of December 31, 1994 and 1993, and to
all references to our firm included in or made part of this registration
statement.


/s/ George, Morgan & Sneed, P.C.



Weatherford, Texas
    
December 14, 1995