Exhibit 16.1

235 Peachtree Street, NE Suite 1800 Atlanta, GA 30303 404 588 4200 wipfli.com

October 3, 2022

Securities and Exchange Commission

100 F Street, NE

Washington, D.C. 20549-7561

Dear Sirs/Madams:

We have read Item 4.01 of Peoples Financial Corporation’s Form 8-K dated October 3, 2022, and have the following comments:

1. We agree with the statements made in the first through fifth paragraphs.

2. We have no basis on which to agree or disagree with the statements in the sixth paragraph.

Respectfully,

Wipfli LLP

Atlanta, Georgia