X0203 3 2011-04-13 0 0000320387 FIRST M&F CORP/MS FMFC 0001517531 Terrell Lawrence Dennis Jr. 109 FAIRWAY LANE KOSCIUSKO MS 39090 1 0 0 0 Common Stock, $5 par 4805 D Common Stock, $5 par 150 I Kosciusko Investment Club, Inc. Mr. Terrell has a 10% ownership in the Kosciusko Investment Club, Inc., which owns 1,500 shares of the Company's stock. This is an initial Form 3 filed upon election as a director at a shareholder meeting on April 13, 2011. Mr. Terrell is the son of another director, Lawrence D. (Larry) Terrell. Denny Terrell 2011-04-27