SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549

                                  FORM 11-K

                                ANNUAL REPORT
                       PURSUANT TO SECTION 15(d) OF THE
                       SECURITIES EXCHANGE ACT OF 1934

 (Mark One):

  [X]  ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT
       OF 1934 [NO FEE REQUIRED, EFFECTIVE OCTOBER 7, 1996]

       For the fiscal year ended December 31, 2002

  [ ]  TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
       ACT OF 1934 [NO FEE REQUIRED]

       For the transition period from ____________ to ____________

                       Commission file number:  0-19133

       A. Full title of the plan and the address of the plan, if different
          from that of the issuer named below:

                    FIRST CASH 401(k) PROFIT SHARING PLAN

       B. Name of issuer of the securities held pursuant to the plan and the
          address of its principal executive office:

                     FIRST CASH FINANCIAL SERVICES, INC.
                          690 East Lamar, Suite 400
                           Arlington, Texas  76011




                                    INDEX


 Independent Auditor's Report......................................    1

 Financial Statements:
  Statements of Net Assets Available for Benefits .................    2
  Statement of Changes in Net Assets Available for Benefits .......    3
  Notes to Financial Statements ...................................    4

 Supplemental Schedule:
  Schedule of Assets (Held at End of Year) ........................   S-1




                         Independent Auditor's Report

 To the Administrative Committee
 First Cash 401(k) Profit Sharing Plan
 Arlington, Texas

 We have  audited the  accompanying statements  of net  assets available  for
 benefits of First Cash  401(k) Profit Sharing Plan  as of December 31,  2002
 and 2001,  the related  statement of  changes in  net assets  available  for
 benefits for the  year ended December  31, 2002  and supplemental  schedule.
 These financial statements and schedule are the responsibility of the Plan's
 management.  Our responsibility is to express an opinion on these  financial
 statements and schedule based on our audits.

 We conducted  our audits  in accordance  with auditing  standards  generally
 accepted in the United States of  America.  Those standards require that  we
 plan and perform the audit to obtain reasonable assurance about whether  the
 financial  statements and  schedule are free  of material  misstatement.  An
 audit includes examining, on a test  basis, evidence supporting the  amounts
 and disclosures  in  the financial statements  and schedule.  An audit  also
 includes assessing the accounting principles used and significant  estimates
 made by management, as  well as evaluating  the overall financial  statement
 presentation.  We  believe our  audits provide  a reasonable  basis for  our
 opinion.

 In our  opinion, the  financial statements  and schedule  referred to  above
 present fairly  in  all material  respects,  the net  assets  available  for
 benefits of First Cash  401(k) Profit Sharing Plan  as of December 31,  2002
 and 2001 and the changes  in its net assets  available for benefits for  the
 year ended December 31,  2002 in conformity  with the accounting  principles
 generally accepted in the United States of America.


 /S/ HEIN + ASSOCIATES LLP

 Dallas, Texas
 April 25, 2003



                    FIRST CASH 401(k) PROFIT SHARING PLAN

               STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS


                                                             DECEMBER 31,
                                                      -----------------------
                                                         2002         2001
                                                      ----------   ----------
 ASSETS:
  Investments, at fair value:
    Mutual funds                                     $   749,416  $   659,200
    Money market funds                                   419,769      207,093
    First Cash Financial Services, Inc. common stock   1,378,766      934,494
    Participant loans                                    188,426      168,440
                                                      ----------   ----------
           Total investments                           2,736,377    1,969,227
                                                      ----------   ----------

  Contributions receivable:
    Participant                                           50,497       98,630
    Employer                                              14,664       28,510
                                                      ----------   ----------
           Total contributions receivable                 65,161      127,140
                                                      ----------   ----------

  Cash                                                       810          142
  Other                                                    2,543        2,568
                                                      ----------   ----------
           Total assets                                2,804,891    2,099,077

 LIABILITIES -
   Refundable contributions                               28,907       19,828
                                                      ----------   ----------
           Net assets available for benefits         $ 2,775,984  $ 2,079,249
                                                      ==========   ==========


            See accompanying notes to these financial statements.



                    FIRST CASH 401(k) PROFIT SHARING PLAN

          STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS

                         YEAR ENDED DECEMBER 31, 2002


 ADDITIONS TO NET ASSETS ATTRIBUTABLE TO:
   Investment income:
     Net appreciation in fair value of investments                $   324,564
     Interest and dividends                                            40,864
                                                                   ----------
           Net investment income                                      365,428
                                                                   ----------
   Contributions:
     Employer                                                         181,064
     Participant, including rollovers                                 615,248
                                                                   ----------
                                                                      796,312
                                                                   ----------

           Total additions                                          1,161,740

 DEDUCTIONS FROM NET ASSETS ATTRIBUTABLE TO:
   Benefits paid directly to participants                             421,432
   Loans paid off as part of a distribution                            43,573
                                                                   ----------
           Total deductions                                           465,005
                                                                   ----------

 INCREASE IN NET ASSETS AVAILABLE FOR BENEFITS                        696,735

 NET ASSETS AVAILABLE FOR BENEFITS:
   Beginning of year                                                2,079,249
                                                                   ----------

   End of year                                                    $ 2,775,984
                                                                   ==========

            See accompanying notes to these financial statements.



                    FIRST CASH 401(k) PROFIT SHARING PLAN
                        NOTES TO FINANCIAL STATEMENTS
                          DECEMBER 31, 2002 AND 2001

 1. DESCRIPTION OF PLAN

   The following  description of the  First Cash 401(k)  Profit Sharing  Plan
   (the  "Plan") provides  only general  information.  For  a  more  complete
   description of  the Plan's provisions,  participants should  refer to  the
   Plan agreement.

   General

   The Plan  is a salary deferral  plan covering substantially all  employees
   of First Cash Financial  Services, Inc. (the "Company" or the  "Employer")
   who have  completed one year  of service with  the  Company.  The Plan  is
   subject to the provisions  of the Employee Retirement Income Security  Act
   of 1974 (ERISA).

   Contributions

   Each year, participants may contribute to the Plan an amount up to 15%  of
   their  annual compensation.  Each participant's annual contribution  shall
   not  exceed the  maximum  amount allowed  for  deferral for  U.S.  federal
   income taxes, which was $11,000 for  2002.  The amount of a  participant's
   annual  compensation  that may  be  taken  into account  for  purposes  of
   determining the Company's matching contribution for any purpose under  the
   Plan  shall  not exceed  an amount  prescribed annually  by the  IRS.  The
   Company contributes  to the Plan  a matching amount  equal to  50% of  the
   first  3%  of  the  participant's annual compensation  that is contributed
   to  the  Plan.  In  addition,  a  special  discretionary  contribution  as
   determined by the  Company may be contributed,  pro rata, based upon  each
   participating employee's  compensation to  the total  compensation of  all
   participating employees.  No such contribution was made for 2002.

   If a participant makes a contribution  during any year in an amount  which
   exceeds the  maximum amount allowed under  IRS rules pertaining to  highly
   compensated  employees, the  contribution  is refunded  and  the  matching
   Company contribution  on such additional  participant contribution may  be
   forfeited  by  the  participant  and  applied  to  reduce  the  employer's
   matching contribution  to the  Plan for  the  following  year.  Management
   believes that the Plan is  in compliance with the funding requirements  of
   ERISA.

   Participant Accounts

   Each   participant's   account  is   credited   with   the   participant's
   contribution,  allocations of  the  Company's matching  contributions  and
   Profit  Sharing contributions,  if applicable.  Forfeitures  of  the  non-
   vested portion of  terminated participants' accounts may be applied  first
   to payment of  plan administrative expenses and any remaining  forfeitures
   will  be  allocated to  the  remaining  Plan  participants.   The  various
   participant allocations  are based on  a percentage  of the  participant's
   elective deferral  or compensation in  relation to  total compensation  of
   participants, as defined in the Plan agreement.

   Vesting

   Participants  are immediately  vested  in their  contributions  (including
   rollovers)  plus  actual earnings  thereon.  Vesting in  the remainder  of
   their accounts is generally based on years of continuous service with  the
   Company.  Effective  January 1, 2001, the Plan  was amended and defined  a
   year of  service for  vesting purposes to  be a  twelve consecutive  month
   period  ending  on each anniversary  of a participant's  date of  hire.  A
   participant  is  100%  vested  after  six  years  of credited  service.  A
   participant  is  also 100%  vested  upon  reaching retirement  age  or  if
   employment is  terminated by reason of  total and permanent disability  or
   death.

   Investment Options

   Upon  enrollment into  the  Plan, a  participant  may direct  his  or  her
   employee contributions in any  increment to the Company's common stock  or
   any  of the  mutual  fund investment  options  offered by  Frontier  Trust
   Company,   the  custodian  of  the  Plan.   Participants  may  change  the
   allocation of their existing  funds and future contributions at any  time.
   Employer  contributions  are  invested in  the  same  percentages  as  the
   employee contributions for 2002 and 2001.

   Payment of Benefits

   Participants whose  employment terminates  for any  reason (except  death)
   are generally entitled to receive  the vested portion of their account  in
   the form  of a lump  sum or installment  distribution payable  in cash  or
   property.  Certain  participants  may  be  eligible  to  receive  benefits
   in  the  form  of  annuity  payments.  Amounts  allocated  to  withdrawing
   participants at December 31, 2002 were immaterial.

   Participant Loans

   A participant  may apply to the  plan administrator for  a loan under  the
   Plan.  All  loans  made  by  the  trustees shall  be subject to  the terms
   and  conditions  set  forth in  the  Plan  Document  and  Trust Agreement.
   Participants  may  borrow  up to  one-half  of  the  participant's  vested
   account balance  or $50,000, whichever  is less.  The  loans  will bear  a
   reasonable rate  of interest based  upon prevailing  commercial rates  for
   loans of similar  types.  Repayments of  the loan balance, plus  interest,
   are made  bi-weekly through after-tax  payroll deductions,  not to  exceed
   five years, unless  the loan was obtained to acquire  a home, then over  a
   reasonable period  of time as  determined by the  trustee.  A  participant
   may have up to two loans  outstanding at any one time.  Participant  loans
   are collateralized by the respective participant accounts.

   Forfeitures

   Participants  who terminate  employment prior  to  being fully  vested  in
   Company matching  contributions forfeit non-vested  amounts.  At  December
   31, 2002,  there were  no  forfeited non-vested accounts.  Forfeitures  of
   Company  matching  contributions   are  used  to  reduce  future   Company
   contributions to the Plan.  In 2002,  Company matching contributions  were
   reduced  by approximately  $28,000  from forfeited,  non-vested  accounts.
   Forfeitures of discretionary  Company contributions are reallocated  among
   all remaining participants.

   Administrative Fees

   The Company  has paid, at its  discretion, the administrative expenses  of
   the  Plan.  Administrative expenses  incurred in  2002 were  approximately
   $32,500.

   Tax Status

   The  Internal Revenue  Service ("IRS")  has  determined and  informed  the
   Company by a letter dated February 13, 1997, that the Plan is designed  in
   accordance with applicable sections of the Internal Revenue Code.


 2. SUMMARY OF ACCOUNTING POLICIES

   Basis of Accounting

   The financial statements and supplemental schedules are prepared on an
   accrual basis of accounting.

   Valuation of Investments

   Shares  of registered  investment companies  are valued  at quoted  market
   prices which represent the net asset  value of shares held by the Plan  at
   year-end.  Equity securities are valued at fair value using quoted  market
   prices.  Participant  loans  and  investments in  money market  funds  are
   stated  at  cost,  which  approximates  fair  value.   Reinvested  income,
   accrued interest  and dividends  are reflected  as additions  to the  cost
   basis  of the  investments.  Investment  transactions  are recorded  on  a
   trade-date basis.

   Payment of Benefits

   Benefits are recorded  when paid.  Benefits  due to participants who  have
   elected to withdraw from the Plan  but have not been paid are included  in
   net  assets  available  for benefits.   Amounts allocated  to  withdrawing
   participants at December 31, 2002 were immaterial.

   Use of Estimates

   The  preparation of  financial statements  in conformity  with  accounting
   principles generally accepted in  the United States of America as  applied
   to  defined  contribution  employee  benefit  plans  requires  the  Plan's
   management  to make  estimates and  assumptions  that affect  the  amounts
   reported in  these financial statements  and  accompanying  notes.  Actual
   results could differ from those estimates.

 3. INVESTMENTS

   Investments, at fair value, consisted of the following as of December 31:

                                                         2002         2001
                                                      ----------   ----------
 Mutual Funds:
   Merrill Lynch Fundamental Growth Fund Class B (1) $   172,691  $   156,497
   Merrill Lynch Basic Value Fund                (1)     167,444      158,012
   Merrill Lynch Global Allocation Fund          (1)     152,336      124,578
   Merrill Lynch BD Core Bond Class B                    116,591       88,827
   MFS Massachusetts Investors Trust                      70,590       60,281
   Davis New York Venture Fund                            69,764       71,005
                                                      ----------   ----------
                                                         749,416      659,200

 Money Market Funds:
   Merrill Lynch Retirement Preservation Fund     (1)    419,769      207,093

 First Cash Financial Services, Inc. common stock (1)  1,378,766      934,494
 Participant loans                                (1)    188,426      168,440
                                                      ----------   ----------
                                                     $ 2,736,377  $ 1,969,227
                                                      ==========   ==========

   (1) Represents 5% or more of the Plan's net assets.



                    FIRST CASH 401(k) PROFIT SHARING PLAN
                        NOTES TO FINANCIAL STATEMENTS
                          DECEMBER 31, 2002 AND 2001


   During  2002,  the  Plan's investments  (including  gains  and  losses  on
   investments,  bought  and  sold,   as  well  as  held  during  the   year)
   appreciated in value by $324,564 as follows:

      Mutual Funds                                         $  (134,910)
      First Cash Financial Services, Inc. common stock         459,474
                                                            ----------
                                                           $   324,564
                                                            ==========

 4. PLAN TERMINATION

   Although it  has not expressed any  intent to do so,  the Company has  the
   right  under the  Plan agreement  to  terminate the  Plan subject  to  the
   provisions  of  ERISA.  In  the event  of Plan  termination,  participants
   become 100% vested in their accounts.



                    FIRST CASH 401(k) PROFIT SHARING PLAN
         SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR)

                    EIN:  75-2237318      Plan Number: 001

                               DECEMBER 31, 2002


 (a)         (b)                         (c)                 (d)       (e)
                              DESCRIPTION OF INVESTMENT
                               INCLUDING MATURITY DATE,
      IDENTITY OF ISSUER,         RATE OF INTEREST,
      BORROWER, LESSOR OR         COLLATERAL PAR OR                  CURRENT
      SIMILAR PARTY                 MATURITY VALUE          COST      VALUE
      --------------------   ----------------------------   ----   ----------
      Mutual Funds:
        Merrill Lynch        Fundamental Growth Fund         **   $   172,691
        Merrill Lynch        Basic Value Fund                **       167,444
        Merrill Lynch        Global Allocation Fund          **       152,336
        Merrill Lynch        BD Core Bond                    **       116,591
        MFS Massachusetts    Investors Fund                  **        70,590
        Davis New York       Venture Fund                    **        69,764
      Money Market Funds
       Merrill Lynch         Retirement Preservation Fund    **       419,769

 *    First Cash Financial
      Services, Inc.         Common stock                    **     1,378,766

 *    Loans to participants  5.5% - 9.5% interest and
                             varying maturities                       188,426
                                                                   ----------
          Total investments                                       $ 2,736,377
                                                                   ==========

 (a) This column will have an asterisk on each line which is identified as
     a party-in-interest to the Plan.  Frontier Trust Company acted as the
     Plan's custodian through December 31, 2002.

  ** Historical cost information omitted as permitted for participant
     directed transactions under an individual account plan.


                      See Independent Auditor's Report.




                    FIRST CASH 401(k) PROFIT SHARING PLAN

                             REQUIRED INFORMATION

 ITEM 1  Not Applicable.

 ITEM 2  Not Applicable.

 ITEM 3  Not Applicable.

 ITEM 4  Financial Statements and Exhibits

     (a) Financial Statements

        Financial statements and supplemental schedule prepared in accordance
        with the financial reporting requirements of ERISA filed hereunder
        are listed on page 2 hereof in the Table of Contents, in lieu of the
        requirements of Items 1 to 3 above.

     (b) Exhibits:

        23  Consent of Independent Auditors

        99  Certification of Plan Administrator



                                  SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
 Plan Administrative Committee that administers the Plan has duly caused this
 Annual Report to be signed on its behalf by the undersigned hereunto duly
 authorized.

 Date: June 27, 2003

                                 FIRST CASH 401(K) PROFIT SHARING PLAN

                                 By: /s/ Rick Wessel
                                     ------------------
                                     Plan Administrator