UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8 – K

CURRENT REPORT PURSUANT
TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) October 14, 2008

PEOPLES FINANCIAL CORPORATION

(Exact Name of Registrant as Specified in its Charter)

(State or Other Jurisdiction of Incorporation)

01-12103		64-0709834
(Commission File Number)		(IRS Employer Identification No.)
152 Lameuse Street Biloxi, MS		39530
(Address of Principal Executive Offices)		(Zip Code)

(228) 435-5511M
(Registrant’s Telephone Number, Including Area Code)

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously Satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2 below):

o		Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230. 425)

o		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17CFR 240.14a-12)

o		Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act ( 17CFR 240.14d-2(b))

o		Pre-commencement communications pursuant to Rule 13e-4( c) under the Exchange Act (17 CFR 240.13e-4( c))

 

 

Item 2.02.		Results of Operations and Financial Condition

On October 14, 2008, Peoples Financial Corporation issued a press release announcing its earnings for the third quarter of 2008.

Item 9.01.		Financial Statements and Exhibits.

     (c) Exhibits

	99.1			Press Release issued by Peoples Financial Corporation dated October 14, 2008, headed “Peoples Financial Corporation Third Quarter Net Is Pushed To A Loss Due To Previously Announced Charges.”

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.