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
January 22, 2003
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Date of Report (Date of Earliest Event Reported)
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 Other (Commission (I.R.S. Iden-
Jurisdiction of File tification
Incorporation) Number) Number)
209 Troy Street, Tupelo, Mississippi 38802-0709
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(Address of Principal Executive Office) (Zip Code)
Registrant's Telephone Number: (662)680-1001
ITEM 7: FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.
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(a) The following exhibit is filed herewith:
99.1 Press Release, dated January 22, 2003, issued by The Peoples
Holding Company.
ITEM 9: REGULATION FD DISCLOSURE.
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At the close of business on January 22, 2003, The Peoples Holding
Company issued a press release announcing record fourth quarter and
annual earnings for 2002. The press release is filed as Exhibit 99.1
to this Form 8-K.
SIGNATURE
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.
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: January 22, 2003
EXHIBIT INDEX
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EXHIBIT NUMBER DESCRIPTION
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99.1 Press Release, dated January 22, 2003, issued by
The Peoples Holding Company.