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. SS. 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 March 31, 2003 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 Date: May 13, 2003 ------------ CERTIFICATION OF CHIEF FINANCIAL OFFICER PEOPLES FINANCIAL CORPORATION PURSUANT TO 18 U.S.C. SS. 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 March 31, 2003 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 Date: May 13, 2003 ------------