| x      | ANNUAL      REPORT PURSUANT TO SECTION 13 OR 15(d) OF |
|--------|-------------------------------------------------------|
|   | THE      SECURITIES EXCHANGE ACT OF1934               |

|  ̈ | TRANSITION      REPORT PURSUANT TO SECTION 13 OR 15(D) OF |
|--------|-----------------------------------------------------------|
|   | THE      SECURITIES EXCHANGE ACT OF1934                   |

| MISSISSIPPI                                                        | 64-0636653                                   |
|--------------------------------------------------------------------|----------------------------------------------|
| (State      or other jurisdiction of                               | (I.R.S.      Employer Identification Number) |
| Incorporation      or organization)                                |                                         |
|                                                               |                                         |
| 134 West Washington Street,  Kosciusko,      Mississippi | 39090                                        |
| (Address      of principal executive offices)                      | (Zip      Code)                              |

| Common Stock, $5 par value | The NASDAQ Stock Market  LLC                    |
|----------------------------|-------------------------------------------------|
| (Title      of Each Class) | (Name      of Each Exchange on WhichRegistered) |

| None                       | None                                            |
|----------------------------|-------------------------------------------------|
| (Title      of Each Class) | (Name      of Each Exchange on WhichRegistered) |

| Large      accelerated filer  ̈ | Accelerated      filer  x | Non-accelerated      filer   ̈ |
|-------------------------------------|-------------------------------------|----------------------------------------------|

| Common stock, $5 par value | 9,063,346 Shares                           |
|----------------------------|--------------------------------------------|
| Title      of Class        | Shares      Outstanding at January 31,2009 |

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|         |       | Page   |
|--------------|------------|--------|
|         |       |   |
|         | Signatures | 3      |
|         |       |   |
| PART      IV |       |   |
|         |       |   |
| Item      15 | Exhibits   |   |

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| BY:    | /s/      Hugh S. Potts, Jr.    | BY:    | /s/      John G. Copeland              |
|--------|--------------------------------|--------|----------------------------------------|
|   | Hugh      S. Potts, Jr.        |   | John      G. Copeland                  |
|   | Chairman      of the Board and |   | EVP      & Chief Financial Officer |
|   | Chief      Executive Officer   |   |                                   |

|                                    | /s/      Robert C. Thompson, III                                        |
|-----------------------------------------|-------------------------------------------------------------------------|
| DATE:  November      23, 2009 | Robert      C. Thompson, III,                                           |
|                                    | Vice      President – Accounting Policy & Financial Reporting |
|                                    | (Principal      Accounting Officer)                                     |
|                                    |                                                                    |
|                                    | /s/      Hugh S. Potts, Jr.                                             |
| DATE:  March      11, 2009    | Hugh      S. Potts, Jr., Director                                       |
|                                    |                                                                    |
|                                    | /s/      Scott M. Wiggers                                               |
| DATE:  March      11, 2009    | Scott      M. Wiggers, Director                                         |
|                                    |                                                                    |
|                                    | /s/      Hollis C. Cheek                                                |
| DATE:  March      11, 2009    | Hollis      C. Cheek, Director                                          |
|                                    |                                                                    |
|                                    | /s/      Jon A. Crocker                                                 |
| DATE:  March      11, 2009    | Jon      A. Crocker, Director                                           |
|                                    |                                                                    |
|                                    | /s/      Toxey Hall, III                                                |
| DATE:  March      11, 2009    | Toxey      Hall, III, Director                                          |
|                                    |                                                                    |
|                                    | /s/      J. Marlin Ivey                                                 |
| DATE:  March      11, 2009    | J.      Marlin Ivey, Director                                           |
|                                    |                                                                    |
|                                    | /s/      John Clark Love, III                                           |
| DATE:  March      11, 2009    | John      Clark Love, III, Director                                     |
|                                    |                                                                    |
|                                    | /s/      Susan P. McCaffery                                             |
| DATE:  March      11, 2009    | Susan      P. McCaffery, Director                                       |
|                                    |                                                                    |
|                                    | /s/      Michael L. Nelson                                              |
| DATE:  March      11, 2009    | Michael      L. Nelson, Director                                        |
|                                    |                                                                    |
|                                    | /s/      Otho E. Pettit, Jr.                                            |
| DATE:  March      11, 2009    | Otho      E. Pettit, Jr., Director                                      |
|                                    |                                                                    |
|                                    | /s/      Samuel B. Potts                                                |
| DATE:  March      11, 2009    | Samuel      B. Potts, Director                                          |
|                                    |                                                                    |
|                                    | /s/      Charles W. Ritter, Jr.                                         |
| DATE:  March      11, 2009    | Charles      W. Ritter, Jr., Director                                   |
|                                    |                                                                    |
|                                    | /s/      L. F. Sams, Jr.                                                |
| DATE:  March      11, 2009    | L.      F. Sams, Jr., Director                                          |

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|                                 | /s/      Michael W. Sanders       |
|--------------------------------------|-----------------------------------|
| DATE:  March      11, 2009 | Michael      W. Sanders, Director |
|                                 |                              |
|                                 | /s/      Larry Terrell            |
| DATE:  March      11, 2009 | Larry      Terrell, Director      |
|                                 |                              |
|                                 | /s/      James I. Tims            |
| DATE:  March      11, 2009 | James      I. Tims, Director      |

| 31 | Rule      13a-14(a) Certification of Hugh S. Potts, Jr., Chief Executive Officer and      Rule 13a-14(a) Certification of John G. Copeland, Chief Financial      Officer |
|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 32 | Section      1350 Certification of Hugh S. Potts, Jr., Chief Executive Officer and      Section 1350 Certification of John G. Copeland, Chief Financial      Officer |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| BY:    | /s/      John G. Copeland             |
|--------|---------------------------------------|
|   | John      G. Copeland                 |
|   | EVP      & Chief FinancialOfficer |

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