FMFC's earnings are increasing and their stock has been priced like they were going to fail. If they continue to increase earnings each quarter, then the stock price should continue increase. If you compare to several other Mississippi Banks, FMFC's earnings are much lower when compared to revenue per share, should FMFC bring their EPS per share up based on Revenue Per Share to compare with RNST, CIZN, and BXS, then this stock should show a nice increase over the next 29 months. THERE ARE A LOT OF OTHER FACTORS TO CONSIDER, OF WHICH THE STATE OF THE ECONOMY IS ONE OF THE BIG FACTORS. THIS ONE WILL REQUIRE CONTINUED DUE DILIGENCE, BUT IT DOES LOOK PROMISING.