<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13g" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>SCHEDULE 13G/A</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <!-- Field: Pseudo-Tag; ID: Name; Data: SWETMAN CHEVIS -->
          <cik>0001253850</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <amendmentNo>27</amendmentNo>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <eventDateRequiresFilingThisStatement>12/31/2025</eventDateRequiresFilingThisStatement>
      <issuerInfo>
        <issuerCik>0000770460</issuerCik>
        <issuerName>PEOPLES FINANCIAL CORP /MS/</issuerName>
        <issuerCusip>71103B102</issuerCusip>
        <issuerPrincipalExecutiveOfficeAddress>
          <com:street1>152 LAMEUSE STREET</com:street1>
          <com:street2>P O BOX 529</com:street2>
          <com:city>Biloxi</com:city>
          <com:stateOrCountry>MS</com:stateOrCountry>
          <com:zipCode>39530</com:zipCode>
        </issuerPrincipalExecutiveOfficeAddress>
      </issuerInfo>
      <designateRulesPursuantThisScheduleFiled>
        <designateRulePursuantThisScheduleFiled>Rule 13d-1(c)</designateRulePursuantThisScheduleFiled>
      </designateRulesPursuantThisScheduleFiled>
    </coverPageHeader>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Chevis C. Swetman</reportingPersonName>
      <citizenshipOrOrganization>X1</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>180972.00</soleVotingPower>
        <sharedVotingPower>327201.00</sharedVotingPower>
        <soleDispositivePower>180972.00</soleDispositivePower>
        <sharedDispositivePower>327201.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>508173.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>11.00</classPercent>
      <typeOfReportingPerson>IN</typeOfReportingPerson>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>

      <reportingPersonName>Thomas Edward Quave</reportingPersonName>
      <citizenshipOrOrganization>X1</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>319630.00</soleVotingPower>
        <sharedVotingPower>72740.00</sharedVotingPower>
        <soleDispositivePower>319630.00</soleDispositivePower>
        <sharedDispositivePower>72740.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>392370.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>8.50</classPercent>
      <typeOfReportingPerson>IN</typeOfReportingPerson>
    </coverPageHeaderReportingPersonDetails>
    <coverPageHeaderReportingPersonDetails>

      <reportingPersonName>Andrew Tanner Swetman</reportingPersonName>
      <citizenshipOrOrganization>X1</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>850641.00</soleVotingPower>
        <sharedVotingPower>15437.00</sharedVotingPower>
        <soleDispositivePower>850641.00</soleDispositivePower>
        <sharedDispositivePower>15437.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>866078.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>18.76</classPercent>
      <typeOfReportingPerson>IN</typeOfReportingPerson>
    </coverPageHeaderReportingPersonDetails>
    <items>
      <item1>
        <issuerName>PEOPLES FINANCIAL CORP /MS/</issuerName>
        <issuerPrincipalExecutiveOfficeAddress>Howard and Lameuse Streets, Biloxi, MS 39530</issuerPrincipalExecutiveOfficeAddress>
      </item1>
      <item2>
        <filingPersonName>Chevis C. Swetman</filingPersonName>
        <principalBusinessOfficeOrResidenceAddress>Howard and Lameuse Streets
Biloxi, MS  39530</principalBusinessOfficeOrResidenceAddress>
        <citizenship>United States of America</citizenship>
      </item2>
      <item3>
        <notApplicableFlag>Y</notApplicableFlag>
      </item3>
      <item4>
        <amountBeneficiallyOwned>508,173</amountBeneficiallyOwned>
        <classPercent>11.00</classPercent>
        <numberOfSharesPersonHas>
          <solePowerOrDirectToVote>180,972</solePowerOrDirectToVote>
          <sharedPowerOrDirectToVote>327,201</sharedPowerOrDirectToVote>
          <solePowerOrDirectToDispose>180,972</solePowerOrDirectToDispose>
          <sharedPowerOrDirectToDispose>327,201</sharedPowerOrDirectToDispose>
        </numberOfSharesPersonHas>
      </item4>
      <item5>
        <notApplicableFlag>Y</notApplicableFlag>
      </item5>
      <item6>
        <notApplicableFlag>Y</notApplicableFlag>
      </item6>
      <item7>
        <notApplicableFlag>Y</notApplicableFlag>
      </item7>
      <item8>
        <notApplicableFlag>Y</notApplicableFlag>
      </item8>
      <item9>
        <notApplicableFlag>Y</notApplicableFlag>
      </item9>
      <item10>
        <notApplicableFlag>N</notApplicableFlag>
        <certifications>By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.</certifications>
      </item10>
    </items>
    <signatureInformation>
      <reportingPersonName>Chevis C. Swetman</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Chevis C. Swetman</signature>
        <title>CEO &amp; President</title>
        <date>02/09/2026</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>Thomas Edward Quave</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Thomas Edward Quave</signature>
        <title>Assistant Vice President &amp; Trust Officer</title>
        <date>02/09/2026</date>
      </signatureDetails>
    </signatureInformation>
    <signatureInformation>
      <reportingPersonName>Andrew Tanner Swetman</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Andrew Tanner Swetman</signature>
        <title>Senior Vice President &amp; COO</title>
        <date>02/09/2026</date>
      </signatureDetails>
    </signatureInformation>
  </formData>
</edgarSubmission>
