PFBX: Profile for Peoples Financial Corporation

Peoples Financial Corporation operates as the bank holding company for The Peoples Bank, which provides banking services to individuals and small to middle market businesses in Mississippi. The companys deposit services include interest bearing and non-interest bearing checking accounts, savings accounts, certificates of deposit, and IRA accounts, as well as non-deposit funds management accounts. It offers loan products, such as business, commercial, real estate, construction, personal, and installment loans. The company also offers personal trust, agency, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. It offers benefit accounts, which include self-directed individual retirement accounts, as well as provides escrow management, stock transfer, and bond paying agency accounts to corporate customers. In addition, the company offers safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and Internet banking services. As of June 24, 2009, it operated 16 branches in Hancock, Harrison, Jackson, and Stone counties. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.

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CORPORATE GOVERNANCE

Peoples Financial Corp.'s Corporate Governance Quotient (CGQ®) as of 1-Dec-09 is better than 9.2% of Russell 3000 companies and 15.5% of Banks companies.

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KEY EXECUTIVES

	Pay	Exercised
Mr. Chevis C. Swetman , 60 Chairman, Chief Exec. Officer, Pres, Member of Compensation Committee, Member of Asset & Liability Committee, Chairman of the Board -The Peoples Bank, Chief Exec. Officer of The Peoples Bank and Pres of The Peoples Bank	$ 299.00K	N/A
Ms. Lauri A. Wood , 47 Chief Financial Officer, Principal Accounting Officer, Controller, Sr. VP of The Peoples Bank and Cashier of The Peoples Bank	$ 132.00K	N/A
Mr. Thomas J. Sliman , 72 First VP and Sr. VP of The Peoples Bank	$ 129.00K	N/A
Mr. A. Wes Fulmer , 49 Exec. VP and Exec. VP of The Peoples Bank	$ 171.00K	N/A
Mr. Robert M. Tucei , 62 VP, Chief Credit Officer of The Peoples Bank and Sr. VP of The Peoples Bank	$ 129.00K	N/A

Dollar amounts are as of 31-Dec-08 and compensation values are for the last fiscal year ending on that date. "Pay" is salary, bonuses, etc. "Exercised" is the value of options exercised during the fiscal year.

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