UNITED STATES

                    SECURITIES AND EXCHANGE COMMISSION

                          Washington, D. C. 20549

                                 FORM 10-Q

Quarterly Report Pursuant to Section 13 or 15 (d) of the
Securities Exchange Act of 1934

For the quarterly period ended          June 30, 2003

Commission file Number        2-89561

                          Teche Bancshares, Inc.

Louisiana                          72-1008552
(State or other jurisdiction of         (I.R.S Employer
incorporation or organization)          Identification No.)

606 South Main Street, St. Martinville, Louisiana 70582
(Address of principal executive offices)

Registrant's telephone number, including area code:
(337) 394-9726

     Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15 (d) of the Securities Exchange Act
of 1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days.

               YES (X)        NO ( )

     Indicated the number of shares outstanding of each of the issuer's
classes of common stock, as of the latest practical date.

     Common Stock, $10 Par Value - 27,925 shares as of June 30, 2003.















                         TECHE BANCSHARES, INC.

                           TABLE OF CONTENTS
          FORM 10-Q FOR THE QUARTER ENDED JUNE 30, 2003


PART I - FINANCIAL INFORMATION:

     Item 1. Financial Statements

          Consolidated balance sheets

          Consolidated statements of income

          Consolidated statements of changes in stockholders' equity

          Consolidated statements of cash flows

          Note to consolidated financial statements

     Item 2.  Management's discussion and analysis of financial condition
               and results of operations

     Item 3.  Quantitative and Qualitative Disclosures about Market
               Risk

     Item 4.  Controls and Procedures


PART II - OTHER INFORMATION:

     Item 1 - Legal proceedings

     Item 2 - Changes in securities and Use of Proceeds

     Item 3 - Defaults upon senior securities

     Item 4 - Submission of matters to a vote of security holders

     Item 5 - Other information

     Item 6 - Exhibits and reports on Form 8-K


SIGNATURE

CERTIFICATIONS

ACT 906 CERTIFICATIONS






TECHE BANCSHARES, INC. AND SUBSIDIARY
  St. Martinville, Louisiana
         (UNAUDITED)
 CONSOLIDATED BALANCE SHEETS
June 30, 2003 and December 31, 2002
    (Dollars in Thousands)
                                                     June 30,  December 31,
                                                       2003       2002
            ASSETS
Cash and due from banks                                 $2,514     $2,354
Interest-bearing deposits with banks                     2,062      2,401
Securities Available for Sale at mkt value              28,141     25,400
Securities Held To Maturity (Market Value
     of $201 and $1,105, respectively)                     200      1,101
Other securities at cost                                   529        524
Federal funds sold                                       6,125      2,425
Loans, net of allowance for loan losses
     of $372 and $341, respectively)                    29,486     30,197
Bank premises, furniture, and equipment                    781        759
Accrued interest receivable                                258        311
Other real estate owned                                    139        151
Other assets                                               213         62
                                                    ----------------------
Total assets                                           $70,448    $65,685
                                                    ======================
LIABILITIES AND STOCKHOLDERS' EQUITY
Liabilities:
    Deposits -
        Non-interest demand                              7,757     $9,191
        Interest bearing -
            NOW and MMDA accounts                       19,869     13,163
            Savings                                      4,762      4,645
            Time, $100 and over,                        11,942     13,610
            Other time                                  13,011     12,101
                                                    ----------------------
                Total deposits                          57,341     52,710

Accrued interest payable                                    93        153
Federal Home Loan Borrowings                             7,182      7,290
Other liabilities and accrued expenses                     296        182
                                                    ----------------------
               Total liabilities                        64,912     60,335
Stockholders' equity
    Common stock ($10 par value, 100,000
        shares authorized, 28,125 shares
        issued and outstanding)                            281        281
    Surplus                                              1,144      1,144
    Retained earnings                                    3,906      3,742
                                                    ----------------------
                                                         5,331      5,167
    Less:   200 shares of treasury stock                   (19)       (19)
                Market Value Allowance on
                  AFS Bonds                                224        202
                                                    ----------------------
                Total stockholders' equity               5,536      5,350
                                                    ----------------------
Total liabilities and stockholders' equity             $70,448    $65,685
                                                    ======================

The accompanying notes are an integral part of this statement.
















































TECHE BANCSHARES, INC. AND SUBSIDIARY
  St. Martinville, Louisiana
         (UNAUDITED)
CONSOLIDATED STATEMENTS OF INCOME
Six Months Ended June 30, 2003 and 2002;
(Dollars in Thousands except Earnings per Share and Average Shares)

                                Three Months Ended      Six Months Ended
                                June 30,   June 30,   June 30,   June 30,
                                  2003       2002       2003       2002
Interest income:
    Interest and fees on loans      $578       $609     $1,136     $1,206
    Interest on investment securities -
        U.S. government's            112        199        270        377
        State/political sub's         21         11         41         19
    Dividends on equities              2          3          5          5
    Interest on balances from banks    6          7         12         16
    Interest on federal funds         16         12         33         24
                              --------------------------------------------
        Total interest income        735        841      1,497      1,647
Interest expense:
    Interest on deposits            $188       $268       $380       $568
    Interest on fed funds purchased    -          -          -          -
    Interest on borrowed funds       104         96        208        191
                              --------------------------------------------
        Total interest expense       292        364        588        759
                              --------------------------------------------
Interest inc. before provision       443        477        909        888
Provision for Credit Losses           15         10         30         20
                              --------------------------------------------
    Net interest income              428        467        879        868
                              --------------------------------------------
Other income:
    Service charges deposits          86         93        171        173
    Gain on sale of Securities         -          9          -          9
    Other income and charges          19         28         47         56
                              --------------------------------------------
           Total other income        105        130        218        238

Other expenses:
    Salaries/employee benefits       216        221        432        438
    Occupancy expense                 60         60        114        122
    Other operating expenses         151        143        315        274
                              --------------------------------------------
        Total other expenses         427        424        861        834
                              --------------------------------------------
    Income before income taxes       106        173        236        272

    Income taxes                      31         57         72         88
                              --------------------------------------------
            Net income              $ 75       $116       $164       $184

    Net income per share           $2.68      $4.17      $5.85     $ 6.59

    Average shares outstanding    27,925     27,925     27,925     27,925

The accompanying notes are an integral part of this statement.



















































TECHE BANCSHARES, INC. AND SUBSIDIARY
  St. Martinville, Louisiana

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
         (UNAUDITED)
For the Six Months Ended June 30, 2003 and 2002



                                           Unrealized
                                Common     Gain (Loss)
                                Stock,         on
                              Treasury &       AFS
                                Surplus    Securities    Total

Balances, January 1, 2003           $5,148     $202     $5,350

    Net income six months              164        -        164

    Change in Unrealized AFS                     22         22
                                    ------    ------    ------

Balances, June 30, 2003             $5,312    $ 224     $5,536
                                    ======    ======    ======



Balances, January 1, 2002           $4,743     $146     $4,889

    Net income six months              184        -        184

    Change in Unrealized AFS                     74         74
                                    ------    ------    ------

Balances, June 30, 2002             $4,927    $ 220     $5,147
                                    ======    ======    ======




The accompanying notes are an integral part of this statement.













TECHE BANCSHARES, INC. AND SUBSIDIARY
  St. Martinville, Louisiana

CONSOLIDATED STATEMENTS OF CASH FLOWS
         (UNAUDITED)
For the Six Months Ended June 30, 2003 and 2002

                                                     June 30,   June 30,
                                                       2003       2002
Cash flows from operating activities:
    Net income                                            $164       $184
    Adjustments to reconcile net income
      to net cash provided by
      operating activities -
        Depreciation of bank premises                       50         59
        Provision for Credit Losses                         30         20
        Write down of other real estate owned               11         12
        (Inc)dec accrued int receivable                     53         26
        (Inc) dec other assets                            (151)       (28)
        Inc(dec) accrued interest payable                  (60)       (60)
        Inc(dec) other liabilities                         115        159
          Net cash provided by operating            ----------------------
            activities                                     212        372
Cash flows from investing activities:
    Dec(inc) in interest bearing deposits in banks         339        290
    Dec(inc) in federal funds                           (3,700)     1,475
    Dec(inc) in investment securities                   (1,818)     1,246
    Dec(inc) in other securities                            (4)         -
    Net dec (inc) in loans                                 681     (2,981)
    Insurance Proceeds from Hurricane                        9          -
    Capital expenditures premises & equip                  (82)       (12)
                                                    ----------------------
      Net cash used in investing activities             (4,575)        18

Cash flows from financing activities:
    Net increase (decrease) in -
      Demand deposits                                   (1,435)       799
      NOW and MMDA                                       6,706    (3,117)
      Savings deposits                                     117        722
      Time deposits $100,000 and over                   (1,667)       341
      Other time deposits                                  910        263
      Federal Home Loan Borrowings                        (108)       (80)
                                                    ----------------------
  Net cash provided by financing activities              4,523     (1,072)

Net increase in cash and cash equivalents                  160       (682)

Cash and cash equivalents, beginning                     2,354      2,257

Cash and cash equivalents, end of period                $2,514     $1,575


Cash paid during the period:

    Interest                                              $648       $820

    Income Taxes                                          $120       $ 55


The accompanying notes are an integral part of this statement.


















































                          TECHE BANCSHARES, INC.

                       NOTES TO FINANCIAL STATEMENTS

                             June 30, 2003

     The information furnished reflects all normal, recurring adjustments
which are, in the opinion of management, necessary for a fair statement of
Teche Bancshares, Inc. and its subsidiary for the six (6) months ended June
30, 2003.  Results for the interim period presented are not necessarily
indicative of results which may be expected for any other interim period or
for the year as a whole.










































                          TECHE BANCSHARES, INC.

MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF
OPERATIONS FOR THE QUARTER ENDED JUNE 30, 2003.

Liquidity

Liquidity is the ability to insure that adequate funds are available to
satisfy contractual liabilities, fund operations, meet withdrawal
requirements of depositors and provide for customer's credit needs in a
timely manner. Our primary source of liquidity is our core deposits. We
supplement our core deposits with a line of credit with one of our
correspondent banks, public fund time deposits, repurchase agreements with
correspondent banks and a line of credit with the Federal Home Loan Bank. Our
sources of liquidity are adequate to fund the loan demand that we are
experiencing.

The primary source of funding for the parent company is dividends from the
Bank.  Management believes the parent's current sources of funds are
sufficient to meet its liquidity needs for the foreseeable future.

Capital Resources and Asset Quality

Our consolidated risk based capital to asset ratio was 19.53% and Tier one
capital ratio was 7.58% at June 30, 2003.  The bank only risk based capital
ratio was 19.42% and Tier one capital ratio was 7.54%. Banks are required to
maintain a risk weighted capital to asset ratio of 8% and Tier one capital
ratio of 5%.  Our risk based capital ratio and Tier one capital ratio both
exceed the required amount.  Management is monitoring our capital ratio and
asset growth to assure that the bank will continue to have adequate capital
to support its assets.

Asset quality continues to be satisfactory due to our emphasis on credit
quality in our loan portfolio.  Management is of the opinion that we have all
of our problem credits identified and that an adequate allowance has been
made for any potential future losses.

We continuously monitor the quality of our loans.  Loans past due 90 days or
greater still accruing at June 30, 2003, were $162,906 an increase of
$138,664 from December 31, 2002. Loans on which the accrual of interest had
been discontinued at June 30, 2003 totalled $32,314.

We own one piece of other real estate.  At June 30, 2003 other real estate
totalled $139,272.  The one piece of real estate, a commercial building, that
we own is currently under a three year lease with monthly lease payments of
$1,800.  We are writing down the value of the building owned in the amount of
$1,957 per month.  At the end of the three year lease, the lessee has an
option to purchase the building.

Results of Operations

Net Income.  Our net income for the six (6) months ended June 30, 2003 was
$163,468 down $20,422 as compared to that of the same period last year.  The
decrease in net income was mostly attributed to legal costs associated with
the going private transaction that we are pursuing.


Revenue. Our net interest income for the six (6) months ended June 30, 2003
is up $10,968 as compared to the same period in 2002.  Net interest income
increased as the result of growth of the bank's assets and deposits.  The
bank has the contract for the local school board account until August 1,
2004.  The School Board maintains approximately $10,000,000 on deposit.  Much
of the increase in net interest income was attributable to earnings on these
deposits.  Total interest income decreased $150,658.  The decrease was mostly
due to lower rates received on loans and investments.  Total interest expense
decreased $171,628.  This decrease in interest expense should continue as our
certificates of deposit renew.

Provision for Loan Losses. Our bad debt reserve totalled $371,632 at June 30,
2003 which represents 1.24% of our gross loans.  During the first half of
2003, we added $30,000 to our reserve for loan loss account.  We increased
our allowance for loan losses to set aside reserves in the event that our
loan losses increase due to uncertainties in the economy.  Our reserve for
loan loss balance was considered adequate at June 30, 2003.

Other Income. Our other income decreased $20,684 as compared to the same
period last year.  The decrease was mostly due to a decrease in commission
income on the sale of credit life and disability insurance for the first half
of the year.

Other Expenses.  Other expenses are up $26,101 as compared to the same time
last year.  The majority of the change in other expenses was due to an
increase in other operating expenses.  Other operating expenses increased
mostly due to an increase in legal expenses paid by the Holding Company.  The
Company has retained counsel to advise us with a going private and subchapter
S transaction that will allow the bank to reduce the cost burden that the
Sarbanes-Oxley Act has created.

Provision for Income Tax. A provision is made for income tax to reflect one
half (6/12ths) of the annualized income tax that we anticipate we will incur.
The provision for income tax for the period ended June 30, 2003 was $72,142
as compared to $87,537 for the same period last year. Income tax expense
decreased due to a decrease in income for the current year.


















                          TECHE BANCSHARES, INC.

ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

     Inapplicable under the Small Business Issuer Criteria.
















































                          TECHE BANCSHARES, INC.

ITEM 4. CONTROLS AND PROCEDURES

     An evaluation of disclosure controls and procedures was performed by
Alcee J. Durand, Jr. and Brian E. Friend on July 29, 2003.  On this date they
reviewed the accounting processes, procedures and workpapers involved in
gathering and compiling the information provided in this Form 10-Q. The
workpapers and accompanying Financial Statements will be forwarded to our
Independent Auditors for their review prior to filing with the Securities and
Exchange Commission.  It is the conclusion of Alcee J. Durand, Jr. and Brian
E. Friend that sufficient controls exist to provide for the accurate
reporting of financial information.

     There have been no changes in internal controls or other factors that
could significantly affect internal controls subsequent to the date of the
evaluation. There were no significant deficiencies or material weaknesses
requiring corrective action.








































                        PART II - OTHER INFORMATION

Item #1   Legal proceedings

          Inapplicable

Item #2   Changes in Securities

          Inapplicable

Item #3   Defaults Upon Senior Securities

          Inapplicable

Item #4   Submission of Matters to a Vote of Securities Holders

          Inapplicable

Item #5   Other information

          Inapplicable

Item #6   Exhibits and Reports on Form 8-K

          Inapplicable




























                          TECHE BANCSHARES, INC.

     Pursuant to the requirement of the Securities Exchange Act of 1934, the
Bank has duly caused this quarterly report to be signed on its behalf by the
undersigned thereunto duly authorized.

                              TECHE BANCSHARES, INC.
                              Registrant


                              /s/ Alcee J. Durand, Jr.

August 11, 2002               Alcee J. Durand, Jr.
Date                          President/CEO








































                         TECHE BANCSHARES, INC.
                            CERTIFICATION

I, Alcee J. Durand, Jr., certify that:

1.   I have reviewed this quarterly report on Form 10-q of Teche Bancshares,
     Inc.;

2.   Based on my knowledge, this quarterly report does not contain any untrue
     statement of a material fact or omit to state a material fact necessary
     to make the statements made, not misleading with respect to the period
     covered by this quarterly report;

3.   Based on my knowledge, the financial statements, and other financial
     information included in this quarterly report, fairly present in all
     material respects the financial condition, results of operations and
     cash flows of the registrant as of, and for, the periods presented in
     this quarterly report;

4.   The registrant's other certifying officers and I are responsible for
     establishing and maintaining disclosure controls and procedures (as
     defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and
     we have:

     a.   designed such disclosure controls and procedures to ensure that
          material information relating to the registrant, including its
          consolidated subsidiaries, is made known to us by others within
          those entities, particularly during the period in which this
          quarterly report is being prepared;

     b.   evaluated the effectiveness of the registrant's disclosure controls
          and procedures as of a date within 90 days prior to the filing date
          of this quarterly report (the "Evaluation Date"); and

     c.   presented in this quarterly report our conclusions about the
          effectiveness of the disclosure controls and procedures based on
          our evaluation as of the Evaluation Date;

5.   The registrant's other certifying officers and I have disclosed, based
     on our most recent evaluation, to the registrant's auditors and the
     audit committee of registrant's board of directors (or persons
     performing the equivalent function):

     a.   all significant deficiencies in the design or operation of internal
          controls which could adversely affect the registrant's ability to
          record, process, summarize and report financial data and have
          identified for the registrant's auditors any material weaknesses in
          internal controls; and

     b.   any fraud, whether or not material, that involves management or
          other employees who have a significant role in the registrant's
          internal controls; and


                         TECHE BANCSHARES, INC.
                            CERTIFICATION
Page 2

6.   The registrant's other certifying officers and I have indicated in this
     quarterly report whether or not there were significant changes in
     internal controls or in other factors that could significantly affect
     internal controls subsequent to the date of our most recent evaluation,
     including any corrective actions with regard to significant deficiencies
     and material weaknesses.


                              TECHE BANCSHARES, INC.
                              Registrant


                              /s/ Alcee J. Durand, Jr.

                              Alcee J. Durand, Jr.
                              President

August 11, 2003
Date































                         TECHE BANCSHARES, INC.
                            CERTIFICATION

I, Brian E. Friend, certify that:

1.   I have reviewed this quarterly report on Form 10-q of Teche Bancshares,
     Inc.;

2.   Based on my knowledge, this quarterly report does not contain any untrue
     statement of a material fact or omit to state a material fact necessary
     to make the statements made, not misleading with respect to the period
     covered by this quarterly report;

3.   Based on my knowledge, the financial statements, and other financial
     information included in this quarterly report, fairly present in all
     material respects the financial condition, results of operations and
     cash flows of the registrant as of, and for, the periods presented in
     this quarterly report;

4.   The registrant's other certifying officers and I are responsible for
     establishing and maintaining disclosure controls and procedures (as
     defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and
     we have:

     a.   designed such disclosure controls and procedures to ensure that
          material information relating to the registrant, including its
          consolidated subsidiaries, is made known to us by others within
          those entities, particularly during the period in which this
          quarterly report is being prepared;

     b.   evaluated the effectiveness of the registrant's disclosure controls
          and procedures as of a date within 90 days prior to the filing date
          of this quarterly report (the "Evaluation Date"); and

     c.   presented in this quarterly report our conclusions about the
          effectiveness of the disclosure controls and procedures based on
          our evaluation as of the Evaluation Date;

5.   The registrant's other certifying officers and I have disclosed, based
     on our most recent evaluation, to the registrant's auditors and the
     audit committee of registrant's board of directors (or persons
     performing the equivalent function):

     a.   all significant deficiencies in the design or operation of internal
          controls which could adversely affect the registrant's ability to
          record, process, summarize and report financial data and have
          identified for the registrant's auditors any material weaknesses in
          internal controls; and

     b.   any fraud, whether or not material, that involves management or
          other employees who have a significant role in the registrant's
          internal controls; and


                         TECHE BANCSHARES, INC.
                            CERTIFICATION
Page 2

6.   The registrant's other certifying officers and I have indicated in this
     quarterly report whether or not there were significant changes in
     internal controls or in other factors that could significantly affect
     internal controls subsequent to the date of our most recent evaluation,
     including any corrective actions with regard to significant deficiencies
     and material weaknesses.


                              TECHE BANCSHARES, INC.
                              Registrant


                              /s/ Brian E. Friend

                              Brian E. Friend
                              Teche Bank & Trust Company
                              Vice President & Cashier

August 11, 2003
Date
































                         TECHE BANCSHARES, INC.
                         ACT 906 CERTIFICATION


     I, Alcee J. Durand, Jr., certify that the attached financial statements
for the period ending June 30, 2003, fully comply with the requirements of
sections 13(a) or 15(d) of the Exchange Act and the statements fairly
represent, in all material respects, the financial condition and results of
operations of Teche Bancshares, Inc.


                              TECHE BANCSHARES, INC.
                              Registrant


                              /s/ Alcee J. Durand, Jr.

                              Alcee J. Durand, Jr.
                              President

August 11, 2003
Date
































                         TECHE BANCSHARES, INC.
                         ACT 906 CERTIFICATION


     I, Brian E. Friend, certify that the attached financial statements for
the period ending June 30, 2003, fully comply with the requirements of
sections 13(a) or 15(d) of the Exchange Act and the statements fairly
represent, in all material respects, the financial condition and results of
operations of Teche Bancshares, Inc.


                              TECHE BANCSHARES, INC.
                              Registrant


                              /s/ Brian E. Friend

                              Brian E. Friend
                              Teche Bank & Trust Company
                              Vice President & Cashier

August 11, 2003
Date