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                                                                      EXHIBIT 23

                     Consent of Certified Public Accountants




We consent to the use of our reports, dated July 28, 2000, in Form 10-Q filing
of the Peoples Financial Corporation.



/s/ Piltz, Williams, LaRosa & Co.

PILTZ, WILLIAMS, LAROSA & CO.
Biloxi, Mississippi
July 28, 2000