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First Financial Bank to Open Branch in Abilene's New Wal-Mart Supercenter

Company Release - 07/22/2005

ABILENE, Texas, July 22 /PRNewswire-FirstCall/ -- First Financial Bank, N.A., the Abilene-based subsidiary of First Financial Bankshares, Inc. (Nasdaq: FFIN), today announced plans to open a bank office in the new Wal-Mart Supercenter in Abilene. Grand opening activities are planned to coincide with the official opening of the supercenter in mid-August.

Located at Interstate 20 and Highway 351, this will be Wal-Mart's second supercenter in Abilene. First Financial Bank operates an office in the existing Wal-Mart Supercenter, located at 4350 Southwest Drive. Additionally, First Financial has in-store branches in Abilene's H-E-B supermarket and in the United Supermarket at 920 N. Willis. Earlier this year the Bank opened a non-traditional branch in Wesley Court Methodist Retirement Community in southeast Abilene.

"We are pleased to once again partner with Wal-Mart and look forward to adding this convenient banking service for our customers and the general public," said Chuck Cowell, President and Chief Executive Officer of First Financial Bank. "Our in-store locations are a unique service offering within the Abilene market and their extended hours are greatly appreciated by our customers."

Amy Gregory will serve as retail branch manager at the new Wal-Mart branch. She currently is retail branch manager at the United Supermarket office.

Headquartered in Abilene, Texas, First Financial Bankshares is a financial holding company with consolidated assets totaling $2.4 billion operating ten separately chartered banks with 38 locations in Texas, a trust company and a technology operating company. These subsidiaries are First Financial Bank, N.A., Abilene, Clyde and Moran; First Financial Bank, N.A., Eastland, Ranger and Rising Star; First Financial Bank, N.A., Cleburne, Burleson and Alvarado; Hereford State Bank, Hereford; City National Bank, Mineral Wells; San Angelo National Bank, San Angelo; First Financial Bank, N.A., Southlake, Trophy Club and Keller; First Financial Bank, N.A., Stephenville, Granbury and Glen Rose; First National Bank, Sweetwater, Roby and Trent; Weatherford National Bank, Weatherford, Willow Park and Aledo; First Financial Trust & Asset Management Company, N.A.; and First Technology Services, Inc.

The Company is listed on The Nasdaq Stock Market under the trading symbol FFIN. For more information about First Financial Bankshares, please visit our Web site at http://www.ffin.com .

Certain statements contained herein may be considered "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995. These statements are based upon the belief of the Company's management, as well as assumptions made beyond information currently available to the Company's management, and may be, but not necessarily are, identified by such words as "expect", "plan", "anticipate", "target", "forecast" and "goal". Because such "forward-looking statements" are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ materially from the Company's expectations include competition from other financial institutions and financial holding companies; the effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; changes in the demand for loans; fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary fluctuations; changes in consumer spending, borrowing and savings habits; and acquisitions and integration of acquired businesses, and similar variables. Other key risks are described in the Company's reports filed with the Securities and Exchange Commission, which may be obtained under "Investor Relations-Documents/Filings" on the Company's Web site or by writing or calling the Company at 325.627.7155. Except as otherwise stated in this news announcement, the Company does not undertake any obligation to update publicly or revise any forward-looking statements because of new information, future events or otherwise.

SOURCE  First Financial Bankshares, Inc.
    -0-                             07/22/2005
    /CONTACT:  Chuck Cowell, President and CEO of First Financial Bank,
Abilene, +1-325-627-7046/
    /Web site:  http://www.ffin.com /
    (FFIN)

CO:  First Financial Bankshares, Inc.; First Financial Bank, N.A.; Wal-Mart
ST:  Texas
IN:  FIN REA SUP
SU:  PER

CJ-CD
-- DAF021 --
1427 07/22/200512:58 EDThttp://www.prnewswire.com
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