Exhibit 99-a
CERTIFICATION BY
CHIEF EXECUTIVE OFFICER
TRUSTMARK CORPORATION AND SUBSIDIARIES
PURSUANT TO 18 U.S.C. ss. 1350
I, Richard G. Hickson, Chairman of the Board, President & Chief Executive
Officer of Trustmark Corporation and Subsidiaries (Trustmark), hereby certify
that the accompanying report on Form 10-K (Report) for the period ending
December 31, 2002, and filed with the Securities and Exchange Commission on the
date hereof pursuant to Section 13(a) of the Securities Exchange Act of 1934 by
Trustmark, fully complies with the requirements of that section.
I further certify that the information contained in the Report fairly presents,
in all material aspects, the financial condition and results of operations of
Trustmark.
BY: /s/ Richard G. Hickson
----------------------
Richard G. Hickson
Chairman of the Board, President
& Chief Executive Officer
DATE: March 21, 2003
Exhibit 99-b
CERTIFICATION BY
CHIEF EXECUTIVE OFFICER
TRUSTMARK CORPORATION AND SUBSIDIARIES
PURSUANT TO
SECTION 302 OF THE
SARBANES-OXLEY ACT OF 2002
I, Richard G. Hickson, certify that:
1) I have reviewed this annual report on Form 10-K of Trustmark
Corporation and Subsidiaries;
2) Based on my knowledge, this annual report does not contain any untrue
statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances
under which such statements were made, not misleading with respect to
the period covered by this annual report;
3) Based on my knowledge, the financial statements, and other financial
information included in this annual report, fairly present in all
material respects the financial condition, results of operations and
cash flows of the registrant as of, and for, the periods presented in
this annual report;
4) The registrant's other certifying officer and I are responsible for
establishing and maintaining disclosure controls and procedures (as
defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant
and we have:
a. designed such disclosure controls and procedures to ensure that
material information relating to the registrant, including its
consolidated subsidiaries, is made known to us by others within
those entities, particularly during the period in which this
annual report is being prepared;
b. evaluated the effectiveness of the registrant's disclosure
controls and procedures as of a date within 90 days prior to the
filing date of this annual report (the "Evaluation Date"); and
c. presented in this annual report our conclusions about the
effectiveness of the disclosure controls and procedures based on
our evaluation as of the Evaluation Date;
5) The registrant's other certifying officer and I have disclosed, based
on our most recent evaluation, to the registrant's auditors and the
audit committee of registrant's board of directors (or persons
performing the equivalent function):
a. all significant deficiencies in the design or operation of
internal controls which could adversely affect the registrant's
ability to record, process, summarize and report financial data
and have identified for the registrant's auditors any material
weaknesses in internal controls; and
b. any fraud, whether or not material, that involves management or
other employees who have a significant role in the registrant's
internal controls; and
6) The registrant's other certifying officer and I have indicated in this
annual report whether there were significant changes in internal
controls or in other factors that could significantly affect internal
controls subsequent to the date of our most recent evaluation,
including any corrective actions with regard to significant
deficiencies and material weaknesses.
BY: /s/ Richard G. Hickson
----------------------
Richard G. Hickson
Chairman of the Board, President
& Chief Executive Officer
DATE: March 21, 2003
Exhibit 99-c
CERTIFICATION BY
CHIEF FINANCIAL OFFICER
TRUSTMARK CORPORATION AND SUBSIDIARIES
PURSUANT TO 18 U.S.C. ss. 1350
I, Zach L. Wasson, Treasurer of Trustmark, hereby certify that the accompanying
report on Form 10-K (Report) for the period ending December 31, 2002, and filed
with the Securities and Exchange Commission on the date hereof pursuant to
Section 13(a) of the Securities Exchange Act of 1934 by Trustmark, fully
complies with the requirements of that section.
I further certify that the information contained in the Report fairly presents,
in all material aspects, the financial condition and results of operations of
Trustmark.
BY: /s/ Zach L. Wasson
---------------------
Zach L. Wasson
Treasurer (Principal
Financial Officer)
DATE: March 21, 2003
Exhibit 99-d
CERTIFICATION BY
CHIEF FINANCIAL OFFICER
TRUSTMARK CORPORATION AND SUBSIDIARIES
PURSUANT TO
SECTION 302 OF THE
SARBANES-OXLEY ACT OF 2002
I, Zach L. Wasson, certify that:
1) I have reviewed this annual report on Form 10-K of Trustmark
Corporation and Subsidiaries;
2) Based on my knowledge, this annual report does not contain any untrue
statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances
under which such statements were made, not misleading with respect to
the period covered by this annual report;
3) Based on my knowledge, the financial statements, and other financial
information included in this annual report, fairly present in all
material respects the financial condition, results of operations and
cash flows of the registrant as of, and for, the periods presented in
this annual report;
4) The registrant's other certifying officer and I are responsible for
establishing and maintaining disclosure controls and procedures (as
defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant
and we have:
a. designed such disclosure controls and procedures to ensure that
material information relating to the registrant, including its
consolidated subsidiaries, is made known to us by others within
those entities, particularly during the period in which this
annual report is being prepared;
b. evaluated the effectiveness of the registrant's disclosure
controls and procedures as of a date within 90 days prior to the
filing date of this annual report (the "Evaluation Date"); and
c. presented in this annual report our conclusions about the
effectiveness of the disclosure controls and procedures based on
our evaluation as of the Evaluation Date;
5) The registrant's other certifying officer and I have disclosed, based
on our most recent evaluation, to the registrant's auditors and the
audit committee of registrant's board of directors (or persons
performing the equivalent function):
a. all significant deficiencies in the design or operation of
internal controls which could adversely affect the registrant's
ability to record, process, summarize and report financial data
and have identified for the registrant's auditors any material
weaknesses in internal controls; and
b. any fraud, whether or not material, that involves management or
other employees who have a significant role in the registrant's
internal controls; and
6) The registrant's other certifying officer and I have indicated in this
annual report whether there were significant changes in internal
controls or in other factors that could significantly affect internal
controls subsequent to the date of our most recent evaluation,
including any corrective actions with regard to significant
deficiencies and material weaknesses.
BY: /s/ Zach L. Wasson
------------------
Zach L. Wasson
Treasurer (Principal
Financial Officer)
DATE: March 21, 2003