UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15 (d) of
The Securities Exchange Act of 1934
Date of Report - October 18, 2002
THE PEOPLES HOLDING COMPANY
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(Exact name of registrant as specified in its charter)
Mississippi 1-13253 64-0676974
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(State or (Commission (I.R.S. Iden-
other file tification
jurisdiction) number) number)
209 Troy Street, Tupelo, Mississippi 38802-0709
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(Address of principal executive officers) (Zip Code)
Registrant's Telephone Number: (662)680-1001
ITEM 1: CHANGES IN CONTROL OF REGISTRANT.
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Not applicable
ITEM 2: ACQUISITION OR DISPOSITION OF ASSETS.
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Not applicable
ITEM 3: BANKRUPTCY OR RECEIVERSHIP.
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Not applicable
ITEM 4: CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANTS.
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Not applicable
ITEM 5: OTHER EVENTS.
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At the close of business on October 16, 2002, The Peoples Holding
Company issued a press release concerning its earnings and results for
the third quarter of 2002.
ITEM 6: RESIGNATION OF REGISTRANT'S DIRECTORS.
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Not applicable
ITEM 7: FINANCIAL STATEMENTS AND EXHIBITS.
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99.1 Press Release, dated October 16, 2002, issued by The Peoples
Holding Company.
ITEM 8: CHANGE IN FISCAL YEAR.
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Not applicable
ITEM 9: REGULATION FD DISCLOSURE.
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This news release contains forward-looking statements regarding The
Peoples Holding Company. All forward-looking statements involve risk
and uncertainty and a number of factors could cause actual results to
differ materially from the anticipated results or other expectations
expressed in the forward-looking statements. Those factors include,
but are not limited to, interest rate fluctuation, regulatory changes,
portfolio performance and other factors discussed in our recent
filings with the Securities and Exchange Commission (SEC).
SIGNATURE
Pursuant to the requirements of The Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on it's behalf by the
undersigned thereunto duly authorzied.
THE PEOPLES HOLDING COMPANY
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Registrant
/s/ E. Robinson McGraw
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E. Robinson McGraw
President & Chief Executive Officer
DATE: October 18, 2002