EXHIBIT 99 Certifications of Chief Executive Officer and Chief Financial Officer CERTIFICATION OF CHIEF EXECUTIVE OFFICER PEOPLES FINANCIAL CORPORATION PURSUANT TO 18 U.S.C. Section 1350 I, Chevis C. Swetman, Chairman, President and Chief Executive Officer of Peoples Financial Corporation (the "Company"), hereby certify that the accompanying report on Form 10-Q for the period ending September 30, 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 (the "Report") by the Company 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 operations and results of operations of the Company. By: /s/ Chevis C. Swetman --------------------------------------------------------- Chevis C. Swetman, Chairman, President and Chief Executive Officer November 12, 2002 --------------------------------------------------------- Date CERTIFICATION OF CHIEF FINANCIAL OFFICER PEOPLES FINANCIAL CORPORATION PURSUANT TO 18 U.S.C. Section 1350 I, Lauri A. Wood, Chief Financial Officer and Controller of Peoples Financial Corporation (the "Company"), hereby certify that the accompanying report on Form 10- Q for the period ending September 30, 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 (the "Report") by the Company 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 operations and results of operations of the Company. By /s/ Lauri A. Wood --------------------------------------------------- Lauri A. Wood Chief Financial Officer and Controller November 12, 2002 --------------------------------------------------- Date