-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 PN9yME+HUxOjJtYeihh1bl0wx7P/xfYKoL881NGTGqin2t4Ur+5RSI8LzFnvoEL2
 +qTc5KbOnfB20CPx0hvyDw==

<SEC-DOCUMENT>0001253850-10-000006.txt : 20101112
<SEC-HEADER>0001253850-10-000006.hdr.sgml : 20101111
<ACCEPTANCE-DATETIME>20101112180124
ACCESSION NUMBER:		0001253850-10-000006
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20010212
FILED AS OF DATE:		20101112
DATE AS OF CHANGE:		20101112

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			SWETMAN CHEVIS
		CENTRAL INDEX KEY:			0001253850

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12103
		FILM NUMBER:		101188362

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 1416
		CITY:			BILOXI
		STATE:			MS
		ZIP:			39533-1416

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PEOPLES FINANCIAL CORP /MS/
		CENTRAL INDEX KEY:			0000770460
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				640709834
		STATE OF INCORPORATION:			MS
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		152 LAMEUSE STREET
		STREET 2:		P O BOX 529
		CITY:			BILOXI
		STATE:			MS
		ZIP:			39530
		BUSINESS PHONE:		2284355511

	MAIL ADDRESS:	
		STREET 1:		P O BOX 529
		CITY:			BILOXI
		STATE:			MS
		ZIP:			39533-0529
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2001-02-12</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0000770460</issuerCik>
        <issuerName>PEOPLES FINANCIAL CORP /MS/</issuerName>
        <issuerTradingSymbol>pfbx</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001253850</rptOwnerCik>
            <rptOwnerName>SWETMAN CHEVIS</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>P.O. BOX 1416</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>BILOXI</rptOwnerCity>
            <rptOwnerState>MS</rptOwnerState>
            <rptOwnerZipCode>39533-1416</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>CEO/President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Peoples Financial Corp/  MS/</value>
            </securityTitle>
            <transactionDate>
                <value>2010-11-12</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2010-11-12</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>G</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>208</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>14.47</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>763121</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>Chevis C. Swetman</signatureName>
        <signatureDate>2010-11-12</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----