X0202 3 2004-04-14 0 0000320387 FIRST M&F CORP/MS FMFC 0001287118 TERRELL LARRY D 102 HICKORY RIDGE DRIVE KOSCIUSKO MS 39090 1 0 0 0 Common Stock, $5 par 500.0000 D Larry D. Terrell 2004-06-16