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FORM 8 - K

CURRENT REPORT

Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934

July 6, 2004

Date of Report (Date of earliest event reported)

PEOPLES FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)
         
Mississippi   0-30050   64-0709834
(State or other jurisdiction of
incorporation) 		  (Commission File Number)   (IRS Employer Identification
No.)

152 Lameuse Street
Biloxi, MS 39530

(Address, including zip code, of principal executive office)

(228) 435-5511

(Registrant’s telephone number, including area code)

 

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ITEM 5. OTHER EVENTS
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
SIGNATURES
Press Release

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ITEM 5. OTHER EVENTS

On July 6, 2004, Peoples Financial Corporation issued a press release announcing its earnings for the first half of 2004.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

  (c)   Exhibits.

  99.   Press Release issued by Peoples Financial Corporation dated July
6, 2004, headed “Peoples Financial Corporation Net Income
Jumps 44%.”

 

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: July 7, 2004

         
  PEOPLES FINANCIAL CORPORATION
 		  
  By:        /s/ Chevis C. Swetman    
    Chevis C. Swetman   
    Chairman, President and CEO