-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 SrzNlY3yfibPc0FWva3TV8HbUWupP0CpPQD3LDrbvzaB1B/fma20a9T0KOz83MOZ
 +eB3k9bMW4Cl1CSKIMXxnQ==

<SEC-DOCUMENT>0001255246-04-000001.txt : 20040108
<SEC-HEADER>0001255246-04-000001.hdr.sgml : 20040108
<ACCEPTANCE-DATETIME>20040108161745
ACCESSION NUMBER:		0001255246-04-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20010212
FILED AS OF DATE:		20040108

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			FULMER A WES
		CENTRAL INDEX KEY:			0001255246

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12103
		FILM NUMBER:		04515687

	MAIL ADDRESS:	
		STREET 1:		7375 OAKLAWN RD
		CITY:			BILOXI
		STATE:			MS
		ZIP:			39532

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>X0201</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>0001255246</rptOwnerCik>
            <rptOwnerName>FULMER A WES</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>7375 OAKLAWN RD</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>BILOXI</rptOwnerCity>
            <rptOwnerState>MS</rptOwnerState>
            <rptOwnerZipCode>39532</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Secretary/Vice President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>

        <nonDerivativeTransaction>
            <securityTitle>
                <value>Peoples Financial Corp/MS/           pfbx</value>
            </securityTitle>
            <transactionDate>
                <value>2004-01-08</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2004-01-08</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>J</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>30</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2507</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>

    </nonDerivativeTable>


    <remarks>TRANSACTION CODE J:   ADDING SHARES FOR REPORTING PERSON DUE TO ALLOCATION OF 401(K) PLAN SHARES.</remarks>

    <ownerSignature>
        <signatureName>A. WES FULMER</signatureName>
        <signatureDate>2004-01-08</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----