Exhibit 99.2

                            CERTIFICATION PURSUANT TO
                SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the Annual Report of MidSouth
Bancorp, Inc. (the "Company") on Form 10-KSB for the
period ending December 31, 2002 (the "Report"), I, Karen
L. Hail, Chief Financial Officer of the Company, certify
that:

        (1) The Report fully complies with the requirements
of section 13(a) or 15(d) of the Securities Exchange Act of
1934; and

        (2) The information contained in the Report fairly
presents, in all material respects, the financial condition and
result of operations of the Company.



________________________
Karen L. Hail
Chief Financial Officer
March 28, 2003