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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                     FORM 15


   CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(G)
  OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS
       UNDER SECTIONS 13 AND 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                                Commission File Number  1-13842
                                                                       ---------

                      TEXARKANA FIRST FINANCIAL CORPORATION
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

                              THIRD & OLIVE STREETS
                            TEXARKANA, ARKANSAS 71854
                                 (870) 773-1103
- --------------------------------------------------------------------------------
               (Address, including zip code, and telephone number,
                 including area code, of registrant's principal
                               executive offices)

                          COMMON STOCK, $0.01 PAR VALUE
- --------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)

                                      NONE
- --------------------------------------------------------------------------------
         (Titles of all other classes of securities for which a duty to
               file reports under section 13(a) or 15(d) remains)

         Place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

                  Rule 12g-4(a)(1)(i)   [X]         Rule 12h-3(b)(1)(i)   [ ]
                  Rule 12g-4(a)(1)(ii)  [ ]         Rule 12h-3(b)(1)(ii)  [ ]
                  Rule 12g-4(a)(2)(i)   [ ]         Rule 12h-3(b)(2)(i)   [ ]
                  Rule 12g-4(a)(2)(ii)  [ ]         Rule 12h-3(b)(2)(ii)  [ ]
                                                    Rule 15d-6            [ ]

         Approximate number of holders of record as of the certification or
notice date: NONE
             ----

         Pursuant to the requirements of the Securities Exchange Act of 1934,
BancorpSouth, Inc., with and into which Texarkana First Financial Corporation
merged effective on October 31, 2000, has caused this certification/notice to be
signed on its behalf by the undersigned duly authorized person.


Dated:  November 3, 2000             BANCORPSOUTH, INC.



                                     By: /s/ Cathy S. Freeman
                                         ---------------------------------------
                                         Cathy S. Freeman
                                         Vice President and Corporate Secretary