Peoples Financial Corporation operates as the holding company for The Peoples Bank, which provides commercial banking services in Mississippi. The bank accepts interest bearing and noninterest bearing checking accounts, savings accounts, certificates of deposit, and IRA accounts. It also offers business, real estate, and construction loans; real estate mortgage loans; loans to finance agricultural production and other loans to farmers; commercial and industrial loans; and loans to individuals for household, family, and other consumer expenditures. In addition, the bank provides nondeposit funds management accounts; collection services; personal trust, agencies, and estate services; wire services; safe deposit box facilities; night drop facilities; cash management; automated teller machines; and Internet or home banking. It provides its services to individuals and small to middle market businesses. The bank invests in U.S. treasury securities, U.S. government agencies securities, securities of states and political subdivisions, and others securities. As of December 31, 2004, the bank had 15 branches located in Harrison, Hancock, Jackson, and Stone counties. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.
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