Company:  PEOPLES FINANCIAL CORP /M ... (PFBX)
Form Type:  10-K
Filing Date:  3/26/2004 
CIK:  0000770460 
Address:  152 LAMEUSE STREET
P O BOX 529 
City, State, Zip:  BILOXI, Mississippi 39530 
Telephone:  (228) 435-5511 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$12.85   		Change: 
0.00 (0.00%)  
Trade Time: 
May 24   		Market Cap: 
$65.97M
Description of Business
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  FORM 10-K
    PART I
      ITEM 1 - DESCRIPTION OF BUSINESS
        BALANCE SHEET
      ITEM 2 - PROPERTIES
      ITEM 3 - LEGAL PROCEEDINGS
      ITEM 4 - SUBMISSION OF MATTERS TO VOTE OF SECURITIES HOLDERS
    PART II
      ITEM 5 - MARKET FOR THE REGISTRANT'S COMMON STOCK AND ...
      ITEM 6 - SELECTED FINANCIAL DATA
      ITEM 7 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
      ITEM 7a - QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT ...
      ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTAL DATA
      ITEM 9 - CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      ITEM 9a - CONTROLS AND PROCEDURES
    PART III
      ITEM 10 - DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT
      ITEM 11 - EXECUTIVE COMPENSATION
      ITEM 12 - SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS ...
      ITEM 13 - CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS
      ITEM 14 - PRINCIPAL ACCOUNTANT FEES AND SERVICES
    PART IV
      ITEM 15 - EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND ...
    SIGNATURES
  EXHIBIT 10.1
  EXHIBIT 10.2
  EXHIBIT 10.3
  EXHIBIT 10.4
  EXHIBIT 13
    INCOME STATEMENT
    STOCKHOLDERS EQUITY
    CASH FLOW
    NOTE A - BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING ...
    INCOME STATEMENT
    CASH FLOW
    INDEPENDENT AUDITORS' REPORT
    BALANCE SHEET
  EXHIBIT 23
    Consent of Certified Public Accountants
  EXHIBIT 31.1
    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
  EXHIBIT 31.2
    CERTIFICATION OF CHIEF FINANCIAL OFFICER
  EXHIBIT 32.1
    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
  EXHIBIT 32.2
    CERTIFICATION OF CHIEF FINANCIAL OFFICER
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