UNITED STATES SECURITIES AND EXCHANGE
                                 COMMISSION
                           WASHINGTON, D.C.  20549


                                 FORM 10QSB


__X___QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
      SECURITIES EXCHANGE ACT OF 1934
      For the quarterly period ended.....................      June 30, 2000


______TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
      SECURITIES EXCHANGE ACT OF 1934
      For the transition period from ..... to .....



                     COMMISSION FILE NUMBER 2-91-000FW


                          MIDSOUTH BANCORP, INC.

                    Louisiana                   72 -1020809

                102 Versailles Boulevard, Lafayette, Louisiana
                                   70501

                              (337) 237-8343

Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act during the past 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  _____

State the number of shares outstanding of each of the issuer's classes
of common equity, as of the latest
practicable date.                           Outstanding as of  July 31, 2000


        Common stock, $.10 par value                              2,515,166
Preferred stock, no par value, $14.25 stated value                  141,620


               Transitional Small Business Disclosure Format:

                         Yes _______     No    X



                                  Page 1

<PAGE>
                                                                   Page 2

PART 1 - FINANCIAL INFORMATION

Item 1.  Financial Statements (Unaudited)                          Page

Financial Highlights                                                 3

Statements of Condition - June 30, 2000 and
         December 31, 1999                                           4

Statements of Income - Three and Six Months Ended
         June 30, 2000 and 1999                                      5

Statement of Stockholders' Equity - Six Months
         Ended June 30, 2000                                         6

Statements of Cash Flows - Six Months Ended
         June 30, 2000 and 1999                                      7

Notes to Financial Statements                                        8

Item 2.  Management's Discussion and Analysis or
         Plan of Operation                                           9



PART II - OTHER INFORMATION

Item 4.  Submission of Matters to a Vote of Security Holders        16

Item 6.  Exhibits and Reports on Form 8-K                           17

Signatures                                                          18


<PAGE>
<TABLE>
<CAPTION>


MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
FINANCIAL HIGHLIGHTS (UNAUDITED)



                                           Three Months Ended                 Six Months Ended
                                                June 30,                          June 30,
EARNINGS DATA                           2000              1999            2000               1999
                                     _______________________________________________________________

<S>                                  <C>               <C>             <C>                <C>
Net interest income                  $3,631,617        $3,296,977      $7,104,344         $6,319,117
Provision for loan losses               177,391           238,000         394,353            504,950
Non-interest income                   1,157,794           979,195       2,195,064          1,888,335
Non-interest expense                  3,510,911         3,125,265       7,099,702          6,028,358
Provision for income tax                309,550           245,050         465,526            409,437
Net income                              791,559           667,857       1,339,827          1,264,707
Preferred dividend requirement           35,405            32,903          73,464             66,286
Income available to common
  shareholders                         $756,154          $634,954      $1,266,363         $1,198,421
====================================================================================================

PER COMMON SHARE DATA
Basic earnings per share                  $0.30             $0.26           $0.51              $0.49
Diluted earnings per share                $0.27             $0.23           $0.45              $0.43

Book value at end of period               $6.31             $5.69           $6.31              $5.69
Market price at end of period             $8.06            $10.88           $8.06             $10.88
Market price of preferred stock
  at end of period                       $25.50            $31.00          $25.50             $31.00
Weighted average shares outstanding
   Basic                              2,500,019         2,450,164       2,485,285          2,444,740
   Diluted                            2,968,851         2,967,755       2,964,430          2,968,195
====================================================================================================

AVERAGE BALANCE SHEET DATA
Total assets                       $286,226,612      $280,657,061    $283,262,166       $269,966,798
Earning assets                      259,193,740       254,546,089     256,023,672        245,118,332
Loans and leases                    177,420,427       158,432,030     174,468,558        156,817,654
Interest-bearing deposits           195,972,355       199,047,941     195,862,109        189,767,500
Total deposits                      258,855,188       259,606,028     257,994,626        249,391,744
Common stockholders' equity          15,020,942        14,078,482      14,822,693         13,814,301
Total stockholders' equity           17,078,628        16,293,605      16,931,294         16,036,629
====================================================================================================

SELECTED RATIOS
Return on average assets
  (annualized)                             1.10%             0.95%           0.95%              0.94%
Return on average common equity
  (annualized)                            19.97%            18.09%          17.13%             17.49%
Return on average total equity
  (annualized)                            18.39%            16.44%          15.87%             15.90%
Leverage capital ratio                     6.34%             5.70%           6.34%              5.70%
Tier 1 risk-based capital ratio            9.20%             9.01%           9.20%              9.01%
Total risk-based capital ratio            10.25%            10.08%          10.25%             10.08%
Allowance for loan losses as a %
  of total loans                           1.13%             1.17%           1.13%              1.17%
=====================================================================================================

PERIOD ENDING BALANCE SHEET DATA      6/30/00           6/30/99       Net Change          % Change
Total assets                       $290,655,749      $282,503,279      $8,152,470               2.89%
Earning assets                      261,394,994       257,675,940      $3,719,054               1.44%
Loans and leases, net               180,998,954       160,787,191     $20,211,763              12.57%
Interest-bearing deposits           195,136,541       201,570,300     ($6,433,759)             -3.19%
Total deposits                      259,557,897       261,272,545     ($1,714,648)             -0.66%
Common stockholders' equity          15,863,166        13,991,819      $1,871,347              13.37%
Total stockholders' equity           17,881,251        16,185,079      $1,696,172              10.48%
=====================================================================================================

</TABLE>


                                    3


<PAGE>
[CAPTION]
<TABLE>



MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION
__________________________________________________________________________________


                                                      June 30,       December 31,
                                                        2000            1999 *
ASSETS                                               (unaudited)
                                                     ___________      ___________
<S>                                                  <C>              <C>
Cash and due from banks                              $14,028,769      $13,587,690
Federal funds sold                                            -           900,000
                                                     ___________      ___________

     Total cash and cash equivalents                  14,028,769       14,487,690

Interest bearing deposits in banks                       128,619          356,124
Securities available-for-sale, at fair value
     (cost of $56,215,922 in June 2000 and
     $57,106,793 in December 1999)                    54,881,822       55,689,863
Securities held-to-maturity (estimated market
     value of $23,112,774 in June 2000 and
     $20,776,767 in December 1999)                    23,317,417       21,287,597
Loans, net of allowance for loan losses of
     $2,068,182  in June 2000 and $1,967,326
     in December 1999                                180,998,954      168,501,407
Bank premises and equipment, net                      12,056,724       11,367,815
Other real estate owned, net                             462,268          569,963
Accrued interest receivable                            2,179,637        1,919,182
Goodwill, net                                            523,612          554,153
Other assets                                           2,077,927        1,990,047
                                                     ___________      ___________

     Total assets                                   $290,655,749     $276,723,841
                                                     ===========      ===========

LIABILITIES AND STOCKHOLDERS' EQUITY

Deposits:
  Non-interest bearing                               $64,421,356      $63,668,676
  Interest bearing                                   195,136,541      188,021,530
                                                     ___________      ___________

     Total deposits                                  259,557,897      251,690,206

Securities sold under
     repurchase agreements                             1,474,471          606,601
FHLB advances                                          7,000,000        3,000,000
Accrued interest payable                                 677,053          715,171
Long-term notes payable                                3,565,448        3,459,097
Other liabilities                                        499,629          327,605
                                                     ___________      ___________

     Total liabilities                               272,774,498      259,798,680
                                                     ___________      ___________

Commitments and contingencies                                  -                -

Stockholders' Equity:
   Preferred Stock, no par value, $14.25
       stated value - 5,000,000 shares
       authorized, 141,620 and 152,736
       issued and outstanding on
       June 30, 2000 and December 31, 1999,
       respectively                                    2,018,085        2,176,488
   Common stock, $.10 par value- 5,000,000
       shares authorized, 2,515,166 and
       2,481,843 issued and outstanding on
       June 30, 2000 and December 31, 1999,
       respectively                                      251,517          248,184
   Surplus                                            11,138,784       10,983,714
   Unearned ESOP shares                                 (201,671)         (89,044)
   Unrealized losses on securities
       available-for-sale, net of deferred taxes
       of ($437,950) in June 2000 and ($468,500)
       in December 1999                                 (896,150)        (948,430)
   Retained earnings                                   5,570,686        4,554,249
                                                     ___________      ___________

     Total stockholders' equity                       17,881,251       16,925,161
                                                     ___________      ___________

Total liabilities and stockholders' equity          $290,655,749     $276,723,841
                                                     ===========      ===========

</TABLE>


  *   The consolidated statement of condition at December 31, 1999 is taken
      from the audited balance sheet on that date.

      See notes to consolidated financial statements.

                                    4



<PAGE>
<TABLE>
<CAPTION>

MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
_______________________________________________________________________________________________


                                       Three Months Ended                Six Months Ended
                                            June 30,                          June 30,
                                     2000             1999             2000             1999
                                   ___________________________      ___________________________

<S>                                <C>              <C>             <C>              <C>
INTEREST INCOME:
Loans, including fees              $4,654,319       $4,000,706      $9,047,119       $7,758,244
Securities
     Taxable                          910,005          832,024       1,768,858        1,517,003
     Nontaxable                       305,964          277,107         594,098          537,789
Federal funds sold                     15,048          213,666          67,286          372,299
                                   __________       __________      __________       __________

TOTAL                               5,885,336        5,323,503      11,477,361       10,185,335
                                   __________       __________      __________       __________

INTEREST EXPENSE:
Deposits                            2,088,645        1,959,050       4,110,632        3,734,316
Securities sold under
     repurchase agreements,
     federal funds purchased
     and advances                      83,893            3,039         107,991            3,039
Long term debt                         81,181           64,437         154,394          128,863
                                   __________       __________      __________       __________

TOTAL                               2,253,719        2,026,526       4,373,017        3,866,218
                                   __________       __________      __________       __________

NET INTEREST INCOME                 3,631,617        3,296,977       7,104,344        6,319,117

PROVISION FOR LOAN LOSSES             177,391          238,000         394,353          504,950
                                   __________       __________      __________       __________

NET INTEREST INCOME AFTER
  PROVISION FOR LOAN LOSSES         3,454,226        3,058,977       6,709,991        5,814,167
                                   __________       __________      __________       __________

OTHER OPERATING INCOME:
Service charges on deposits           832,610          724,369       1,573,495        1,430,366
Gains on securities, net                   -                -            1,770                -
Credit life insurance                  68,435           25,172         125,729           41,340
Other charges and fees                256,749          229,654         494,070          416,629
                                   __________       __________      __________       __________

TOTAL OTHER INCOME                  1,157,794          979,195       2,195,064        1,888,335
                                   __________       __________      __________       __________

OTHER EXPENSES:
Salaries and employee benefits      1,670,078        1,479,320       3,324,315        2,860,928
Occupancy expense                     790,133          674,631       1,570,665        1,325,389
Other                               1,050,700          971,314       2,204,722        1,842,041
                                   __________       __________      __________       __________

TOTAL OTHER EXPENSES                3,510,911        3,125,265       7,099,702        6,028,358
                                   __________       __________      __________       __________

INCOME BEFORE INCOME TAXES          1,101,109          912,907       1,805,353        1,674,144
PROVISION FOR INCOME TAXES            309,550          245,050         465,526          409,437
                                   __________       __________      __________       __________

NET INCOME                           $791,559         $667,857      $1,339,827       $1,264,707
PREFERRED DIVIDEND REQUIREMENT         35,405           32,903          73,464           66,286
                                   __________       __________      __________       __________

INCOME AVAILABLE TO COMMON
   SHAREHOLDERS                      $756,154         $634,954      $1,266,363       $1,198,421
                                   ==========       ==========      ==========       ==========

BASIC EARNINGS PER COMMON SHARE         $0.30            $0.26           $0.51            $0.49
                                   ==========       ==========      ==========       ==========

DILUTED EARNINGS PER COMMON SHARE       $0.27            $0.23           $0.45            $0.43
                                   ==========       ==========      ==========       ==========

</TABLE>

*  The consolidated statement of income at December 31, 1999 is taken from
   the audited income statement of that date.

   See notes to consolidated financial statements.



                                    5


<PAGE>
<TABLE>
<CAPTION>

MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
FOR THE SIX MONTHS ENDED JUNE 30, 2000 (UNAUDITED)
___________________________________________________________________________________________________________________________________
                                                                                                UNREALIZED
                                                                                                  LOSSES
                                                                                               ON SECURITIES
                           PREFERRED STOCK          COMMON STOCK                       ESOP      AVAILABLE   RETAINED
                          SHARES     AMOUNT       SHARES     AMOUNT      SURPLUS    OBLIGATION   FOR-SALE    EARNINGS     TOTAL
                          ___________________    ___________________   ___________  __________________________________  __________
<S>                       <C>      <C>           <C>        <C>        <C>          <C>         <C>         <C>        <C>
BALANCE,
  DECEMBER 31, 1999       152,736  $2,176,488    2,481,843  $248,184   $10,983,714   ($89,044)  ($948,430)  $4,554,249 $16,925,161

Dividends on
  common stock                                                                                                (249,926)   (249,926)
Dividends on
  preferred stock                                                                                              (73,464)    (73,464)
Preferred stock
  conversion              (11,116)   (158,403)      33,323     3,333       155,070
Net income                                                                                                   1,339,827   1,339,827
Increase in ESOP
  obligation,
  net of repayments                                                                  (112,627)                            (112,627)
Net change in unrealized
  gain/loss on securities
  available-for-sale,
  net of tax                                                                                       52,280                   52,280
                         ________  __________    _________  ________   ___________  _________   _________   __________ ___________

BALANCE,
  JUNE 30, 2000           141,620  $2,018,085    2,515,166  $251,517   $11,138,784  ($201,671)  ($896,150)  $5,570,686 $17,881,251
                         ========  ==========    =========  ========   ===========  =========   =========   ========== ===========


</TABLE>

   See notes to consolidated financial statements.



                                     6


<PAGE>
<TABLE>
<CAPTION>


MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
FOR THE SIX MONTHS ENDED JUNE 30, 2000 and 1999
__________________________________________________________________________________________


                                                        June 30, 2000       June 30, 1999
                                                        _____________       _____________
<S>                                                     <C>                 <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income                                                $1,339,827          $1,264,707
Adjustments to reconcile net income
  to net cash provided by operating activities:
    Depreciation and amortization                            671,201             571,616
    Provision for loan losses                                394,353             504,950
    Provision for deferred income taxes                        4,548              12,228
    Discount accretion (premium amortization), net            45,370              13,660
    Gain on sale of premises and equipment                    (5,338)             (1,925)
    Gain on sale of securities                                (1,770)                  -
    Change in accrued interest receivable                   (260,455)           (171,653)
    Change in accrued interest payable                       (38,118)             81,256
    Write-down of other real estate owned                     93,000                   -
    Other, net                                                49,046             (46,651)
                                                        _________________________________
NET CASH PROVIDED BY OPERATING ACTIVITIES                  2,291,664           2,228,188
                                                        _____________       _____________

CASH FLOWS FROM INVESTING ACTIVITIES:
  Net decrease in interest-bearing deposits in banks         227,505               4,917
  Proceeds from maturities and calls of securities ava     6,463,539           6,313,566
  Proceeds from sales of securities available-for-sale     1,027,765                   -
  Purchases of securities available-for-sale              (6,642,548)        (27,027,658)
  Purchases of securities held-to-maturity                (2,031,305)         (2,092,845)
  Loan originations, net of repayments                   (13,066,444)         (5,000,180)
  Purchases of premises and equipment                     (1,330,481)         (1,851,017)
  Proceeds from sales of premises and equipment                6,250              24,000
  Proceeds from sales of other real estate owned              76,612              58,724
  Purchase of insurance premium financing company                  -          (3,503,497)
                                                        _____________       _____________

NET CASH USED IN INVESTING ACTIVITIES                    (15,269,107)        (33,073,990)
                                                        _____________       _____________

CASH FLOWS FROM FINANCING ACTIVITIES:
  Net increase in deposits                                 7,867,691          31,348,243
  Net increase in securities sold under repurchase
    agreements and FHLB borrowings                         4,867,870             752,946
  Issuance of notes payable                                  415,000              75,000
  Repayments of notes payable                               (308,649)           (196,774)
  Proceeds from issuance of common stock                           -             198,097
  Payment of dividends                                      (323,390)           (311,325)
                                                        _________________________________

NET CASH PROVIDED BY FINANCING ACTIVITIES                 12,518,522          31,866,187

NET (DECREASE) INCREASE IN CASH & CASH EQUIVALENTS          (458,921)          1,020,385

CASH & CASH EQUIVALENTS AT BEGINNING OF PERIOD            14,487,690          20,603,536
                                                        _____________       _____________

CASH & CASH EQUIVALENTS AT END OF PERIOD                 $14,028,769         $21,623,921
                                                        =============       =============

</TABLE>

    See notes to consolidated financial statements.


                               7


<PAGE>


MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED  FINANCIAL STATEMENTS


1.  STATEMENT BY MANAGEMENT CONCERNING THE REVIEW OF UNAUDITED
     FINANCIAL INFORMATION

      The accompanying unaudited consolidated financial statements
      and notes thereto contain all adjustments, consisting only of
      normal recurring adjustments, necessary to present fairly the
      financial position of MidSouth Bancorp, Inc. ("MidSouth") and
      its subsidiaries as of June 30, 2000 and the results of their
      operations and their cash flows for the periods presented.  The
      consolidated financial statements should be read in conjunction
      with the annual consolidated financial statements and the notes
      thereto included in MidSouth's 1999 annual consolidated report
      and Form 10-KSB.

      The results of operations for the three and six month periods
      ended June 30, 2000 are not necessarily indicative of the
      results to be expected for the entire year.



2.  ALLOWANCE FOR LOAN AND LEASE LOSSES

      An analysis of the activity in the allowance for loan and lease
      losses is as follows:

<TABLE>
<CAPTION>


                                             Six Months Ended
                                                 June 30,
                                             2000           1999
                                        __________      __________
       <S>                              <C>             <C>
       Balance at beginning of period   $1,967,326      $1,860,490
         Provision for loan losses         394,353         504,950
         Recoveries                         76,871          65,122
         Loans charged off                (370,368)       (526,873)
                                        __________      __________

       Balance at end of period         $2,068,182      $1,903,689
                                        ==========      ==========

</TABLE>

3.  COMPREHENSIVE INCOME

     MidSouth adopted Statement of Financial Accounting Standards
     No. 130 "Reporting Comprehensive Income" ("SFAS 130")
     effective January 1, 1998.  SFAS 130 establishes standards
     for reporting and display of comprehensive income and its
     components.  Comprehensive income includes net income and
     other comprehensive income (losses) which, in the case of
     MidSouth, only includes unrealized gains and losses on
     securities available-for-sale.

     Following is a summary of MidSouth's comprehensive income
     for the six months ended June 30, 2000 and 1999.

<TABLE>
<CAPTION>


                                             2000           1999
                                        ___________     ___________
           <S>                          <C>             <C>
           Net income                    $1,339,827      $1,264,707
           Other comprehensive income
              (losses), net of tax           52,280        (664,650)
                                        ___________     ___________
           Total comprehensive income    $1,392,107        $600,057
                                        ===========     ===========


</TABLE>


                                   8


<PAGE>


                 MANAGEMENT'S DISCUSSION AND ANALYSIS
                        OR PLAN OF OPERATION

This review should be read in conjunction with MidSouth
Bancorp Inc.'s ("MidSouth") consolidated financial
statements and accompanying notes contained herein, as
well as with  MidSouth's 1999 annual consolidated
financial statements, the notes thereto and the related
Management's Discussion and Analysis.

MidSouth Bancorp, Inc. announced net income of $791,559
for the second quarter of 2000, a 19% increase over net
income of $667,857 reported for the second quarter of
1999.  Income available to common shareholders totaled
$756,154 for the second quarter of 2000, compared to
$634,954 for the second quarter of 1999.  Basic earnings
per share were $.30 and $.26 for the quarters ended June
30, 2000 and 1999, respectively.  Diluted earnings per
share were $.27 for the second quarter of 2000 compared to
$.23 for the second quarter of 1999.

Net income for the six months ended June 30, 2000 totaled
$1,339,827 compared to $1,264,707 for the six months
ended June 30, 1999.  Basic earnings per share were $.51
and $.49 for the two six month periods, respectively.
Diluted earnings per share were $.45 for the six months
ended June 30, 2000 compared to $.43 for the six months
ended June 30, 1999.

The increase in earnings resulted from increased net interest
income primarily due to a higher volume of loans as a
percentage of earning assets combined with an increase in
the net yield on earning assets.  An increase in non-interest
income from service charges on deposit accounts and sales
of credit life insurance contributed to the increase in
earnings for the three and six month periods ending June
30, 2000.  Net income was also favorably affected by
decreases in provisions for loan losses of $60,609 and
$110,587, respectively for the quarter and six months.

The increased net interest income and non-interest income
were partially offset by increases in non-interest expense,
primarily salaries and benefits and occupancy expenses.
These increases reflect the opening of three additional
offices in the past twelve months and expenses associated
with the development and introduction of MidSouth's
internet banking product, NetBanking.  Launched on May
1, 2000, by June 30th 6% of MidSouth's demand deposit
customer base was using NetBanking for on-line account
access, bill paying, or cash management services.

Total end of period consolidated assets increased $8.2
million, from $282.5 million at June 30, 1999 to $290.7
million at June 30, 2000.  Interest-bearing deposits
decreased $6.4 million and total deposits decreased $1.7
million, from $201.6 million and $261.3 million,
respectively at June 30, 1999 to $195.1 million and $259.6
million at June 30, 2000.  The decrease results primarily
from the loss of a large public fund contract in the third
quarter of 1999, offset by a $4.7 million increase in demand
deposits.

Loans, net of Allowance for Loan Losses ("ALL"),
increased $20.2 million or 13%, from $160.8 million in the
second quarter of 1999 to $181.0 million in the second


                          9

<PAGE>

quarter of 2000. Provisions for loan and lease losses totaled
$177,391 in the second quarter of 2000 compared to
$238,000 in the second quarter of 1999, and $394,353 in
the first six months of 2000 compared to $504,950 in the
comparable 1999 period.

Nonperforming loans as a percentage of total loans
decreased slightly from .10% in June of 1999 to .08% in
June of 2000.  Loans past due ninety days and over
decreased, from $550,516 at June 30, 1999 to $491,871 at
June 30, 2000.  Other real estate owned increased $104,661
for the same period.  The ALL represented 339% of
nonperforming assets as of June 30, 2000 compared to
364% as of June 30, 1999.

MidSouth's leverage ratio was 6.34% at June 30, 2000, up
from 5.70% at June 30, 1999.  Return on average common
equity for the quarter was 19.97%  and return on average
assets was 1.10%.



Earnings Analysis

Net Interest Income

Average earning assets increased 2%, or $6.1 million, from
$254.5 million for the three months ended June 30, 1999 to
$260.6 million for the three months ended June 30, 2000.
The mix of earning assets shifted significantly, from 62%
of average earning assets in loans for the second quarter of
1999 up to 68% in the second quarter of 2000.  The average
yield on loans increased 28 basis points, from 10.13% to
10.41% for the six months ended June 30, 2000.

Market competition for quality credits held commercial and
real estate loan yields to a 4 basis point increase in
quarterly comparison.  Consumer loan yields increased 124
basis points primarily due to insurance premium financing
loans acquired with the purchase of TMC Financial
Services, Inc. ("TMC") on May 15,1999.  For the quarter
ending June 30, 2000, TMC's portfolio averaged $3.3
million with an average yield of approximately 22%.  In the
second quarter of 1999, TMC's portfolio had a lesser
impact on consumer yields due to a fewer number of days
held in the Bank's loan portfolio.  Also included in
calculating consumer loan yields, the Finance Company's
portfolio averaged $1.7 million in consumer finance loans
yielding an average of 28% for the second quarter of 2000.
Additionally, credit card loans at the Bank averaged $1.3
million and yielded an average of 19% for the same period.


Investment volume increased by $4.3 million, from $77.9
million at June 30, 1999 to $82.2 million at June 30, 2000.
The volume of federal funds sold decreased $17.1 million
in quarterly comparison due to the anticipated withdrawal
of significant public fund deposits in the third quarter of
1999.  The average taxable-equivalent yield on investments
increased 18 basis points, from 6.34% at June 30, 1999 to
6.52% at June 30, 2000.  The change in the mix of earning
assets combined with higher yields increased the taxable-
equivalent yield on quarterly average earning assets 58


                             10

<PAGE>


basis points, from 8.58% for the second quarter of 1999 to
9.16% for the second quarter of 2000.

Average interest-bearing deposits decreased $3.1 million in
quarterly comparison, from $199.0 million at June 30, 1999
to $195.9 million at June 30, 2000, primarily due to the
withdrawal of public fund deposits in the third quarter of
1999.  The rate paid on interest-bearing deposits increased
28 basis points for the same period and resulted in
increased interest expense for the quarter ended June 30,
2000 despite the decrease in volume.  An increase in
overnight borrowings with the Federal Home Loan Bank of
Dallas resulted in an increase in total interest-bearing
liabilities of $2.3 million in quarterly comparison.  The
average rate paid on total interest-bearing liabilities
increased 35 basis points, from 4.01% for the quarter ended
June 30, 1999 to 4.36% for the quarter ended June 30,
2000.

The net effect of changes in the volume and mix of average
earning assets and interest-bearing liabilities increased net
interest income $334,640 in quarterly comparison.  The net
taxable-equivalent yield on average earning assets
increased 34 basis points, from 5.39% for the quarter ended
June 30, 1999 to 5.73% for the quarter ended June 30,
2000.  Review of the changes in the volume and yields of
average earning assets and interest-bearing liabilities
between the two six month periods ended June 30, 2000
and 1999 reflected results similar to the quarterly
comparison.  The net taxable-equivalent yield on average
earning assets for the six months ended June 30, 2000
increased 35 basis points from 5.39% at June 30, 1999 to
5.74% at June 30, 2000. As a result, net interest income
increased $785,227 between the two six month periods
reviewed.


Non-interest Income

MidSouth's primary source of non-interest income, service
charges on deposit accounts, increased $108,241 for the
three months and $143,129 for the six months ended June
30, 2000 as compared to the same periods for 1999.  The
increases resulted primarily from an increase in service
charge income due to a higher volume of accounts serviced
and additional insufficient funds fees.

Other non-interest income, net of gains on sales of
investment securities, increased $27,095 in quarterly
comparison and $77,441 in year-to-date comparison.  A
mortgage origination program with a third party processor
contributed $11,531 to the increase for the quarter and
$14,365 for the six months ended June 30, 2000.  Lease
income from a third party investment firm contributed
$13,625 to the quarterly increase and $26,686 to the year-
to-date increase.  VISA merchant, debit card and ATM fee
income increased in 2000, however, expenses associated
with these programs have also increased, offsetting the
income.  Income from the sale of credit life insurance
increased $43,263 for the quarter and $84,389 for the six
months period ended June 30, 2000 as compared to the
same periods ended June 30, 1999.


                          11

<PAGE>


Non-interest Expense

Non-interest expense increased  $385,646 for the three
months and $1,017,344 for the six months ended June 30,
2000 compared to the three and six months ended June 30,
1999.   Increases were recorded primarily in the categories
of salaries and employee benefits and occupancy expenses
due primarily to the three new offices opened in the past
twelve months.  In addition, increases were recorded in
credit reporting expenses, VISA programs and ATM
processing fees.  These increases reflect MidSouth's long
term investment in staff development, system upgrades and
market penetration.

Salaries and employee benefits increased primarily due to
additional staff and an increase in the cost of group health
insurance.  The number of full-time equivalent ("FTE")
employees increased by 14, from 169 in June 1999 to 183
in June 2000.  The increase results primarily from staffing
three new locations and an electronic banking department
responsible for MidSouth's NetBanking product introduced
during the second quarter of 2000.

Occupancy expense increased in the three and six month
periods ended June 30, 2000 compared to the same period
of 1999 due to increases in depreciation of building,
furniture, and equipment, maintenance expenses incurred
on fixed assets and property taxes.

Balance Sheet Analysis

MidSouth ended the second quarter of 2000 with
consolidated assets of $290,655,749, an increase of  $13.9
million or 5% from the $276,723,841 reported for
December 31, 1999.  Deposits increased over the six
months ended June 30, 1999 by $7.9 million, from
$251,690,206 at December 31, 1999 to $259,557,897,
primarily in commercial and individual money market
accounts.

Loans experienced growth of $12.6 million in the first six
months of 2000, primarily during the second quarter, with
the majority of the increase in commercial and real estate
loans.  Securities available-for-sale decreased $808,041
from $55,689,863 at December 31, 1999 to $54,881,822
at June 30, 2000.  The decrease reflects sales, maturities
and principal paydowns of $7.5 million, offset by purchases
of $6.7 million.  Purchases of securities held-to-maturity
totaled $2.0 million for the same period.  Unrealized losses
in the securities available-for-sale portfolio, net of
unrealized gains and tax effect, were $896,150 at June 30,
2000, compared to a net unrealized loss of $948,430 at
December 31, 1999.  These amounts result from interest
rate fluctuations and do not represent permanent adjustment
of value.  Moreover, classification of securities as
available-for-sale does not necessarily indicate that the
securities will be sold prior to maturity.



                          12


<PAGE>


Capital

As of June 30, 2000, MidSouth's leverage ratio was 6.34%
as compared to 6.23% at December 31, 1999.  Tier 1 capital
to risk-weighted assets was 9.20% and total capital to risk-
weighted assets was 10.25% at the end of the second
quarter of 2000.  At year-end 1999, Tier 1 capital to risk-
weighted assets was 9.47% and total capital to risk-
weighted assets was 10.55%.



                          13

<PAGE>


Nonperforming Assets and Past Due Loans

Table 1 summarizes MidSouth's nonaccrual, past due and
restructured loans and nonperforming assets.




                     Nonperforming Assets and

                      Loans Past Due 90 Days

===========================================================

                          June      December       June
                           30,         31,          30,
                          2000        1999         1999

===========================================================

Nonperforming loans     $147,145    $234,962     $165,630


Other real estate
owned, net               462,236     569,963      357,575

Other assets repossessed       -      31,755       42,563

                         __________________________________

Total nonperforming
  assets                $609,381    $836,680     $565,768
                         ==================================


Loans past due 90 days
  or more and still
  accruing              $491,871    $793,823     $550,516



Nonperforming loans
  as a % of total loans     .08%       0.14%        0.10%


Nonperforming assets
  as a % of total loans,
  other real estate
  owned and other assets
  Repossessed              0.33%       0.49%        0.35%


ALL as a % of
nonperforming assets     339.39%     235.13%      363.85%



                             14


<PAGE>



Nonperforming assets were $609,381 as of June 30, 2000 a
decrease of  $227,299 from the $836,680 reported for
December 31, 1999 and an increase of $43,613 from the
$565,768 reported for June 30, 1999.   Loans past due 90
days or more increased from $550,516 in June 1999 to
$793,823 in December 1999 and decreased to $491,871 as
of June 30, 2000.  Of the $491,871 in loans past due 90
days or more, $66,058 were funded by the Finance
Company and $15,694 represent past due insurance
premium financing loans at TMC.

Specific reserves have been established in the ALL to cover
potential losses on nonperforming assets.  The ALL is
analyzed quarterly and additional reserves, if needed, are
allocated at that time.  Management believes the
$2,068,182 in the reserve as of June 30, 2000 is sufficient
to cover potential losses in nonperforming assets and in the
loan and lease portfolios.  Loans classified for regulatory
purposes but not included in Table 1 do not represent
material credits about which management has serious
doubts as to the ability of the borrower to comply with loan
repayment terms.




                         15


<PAGE>


                                                                Page 16


Item 4.  Submission of Matters to a Vote of Security Holders

At the annual meeting of shareholders of MidSouth Bancorp, Inc.
held May 10, 2000 at 2:00 p.m., the Class III Directors were elected.


 The following provides information as to the votes:

<TABLE>
<CAPTION>


Election of Directors       For     Withheld    Abstentions   Broker Non-Votes

<S>                    <C>           <C>        <C>           <C>
C. R. Cloutier         1,876,165     9,138

J. B. Hargroder        1,876,544     8,759

William Simmons        1,876,207     9,096


</TABLE>

<PAGE>

                                                                      Page 17


Item 6.  Exhibits and Reports on Form 8-K

(a) Exhibits

Exihibit Number         Document Description
_______________         ____________________

 3.1                    Amended and Restated Articles of Incorporation of
                        MidSouth Bancorp, Inc. is included as Exhibit 3.1
                        to the MidSouth's Report on Form 10-K for
                        the year ended December 31, 1993, and is
                        incorporated herein by reference.

 3.2                    Articles of Amendment to Amended and Restated
                        Articles of Incorporation dated July 19, 1995
                        are included as Exhibit 4.2 to MidSouth's
                        Registration Statement on Form S-8 filed
                        September 20, 1995 and is incorporated herein
                        by reference.

 3.3                    Amended and Restated By-laws adopted by the Board
                        of Directors on April 12, 1995 are included as
                        Exhibit 3.2 to Amendment No. 1 to MidSouth's
                        Registration Statement on Form S-4 (Reg.
                        No. 33-58499) filed on June 1, 1995.

10.1                    MidSouth National Bank Lease Agreement with
                        Southwest Bank Building Limited Partnership is
                        included as Exhibit 10.7 to the Company's annual
                        report on Form 10-K for the Year Ended
                        December 31, 1992, and is incorporated herein
                        by reference.

10.2                    First Amendment to Lease between MBL Life
                        Assurance Corporation, successor in interest to
                        Southwest Bank Building Limited Partnership in
                        Commendam, and MidSouth National Bank is
                        included as Exhibit 10.1 to Report on the
                        Company's annual report on Form 10-KSB for
                        the year ended December 31, 1994, and is
                        incorporated herein by reference.

10.3                    Amended and Restated Deferred Compensation
                        Plan and Trust is included as Exhibit 10.3 to
                        the Company's annual report on Form 10-K for
                        the year ended December 31, 1992 and is
                        incorporated herein by reference.

10.4                    Employment Agreements with C. R. Cloutier and
                        Karen L. Hail are included as Exhibit 5(c) to
                        MidSouth's Form 1-A and are incorporated
                        herein by reference.

10.6                    MidSouth Bancorp, Inc.'s 1997 Stock Incentive
                        Plan is included as Exhibit 4.5 to MidSouth's
                        definitive Proxy Statement filed April 11, 1997,
                        and is incorporated herein by reference.


<PAGE>

                                                                       Page 18


10.7                    The MidSouth Bancorp, Inc. Dividend Reinvestment
                        and Stock Purchase Plan is included as Exhibit 4.6
                        to MidSouth Bancorp, Inc.'s Form S-3D filed on
                        July 25, 1997 and is incorporated herein by
                        reference.

10.8                    Loan Agreements and Master Notes for lines of
                        credit established for MidSouth Bancorp, Inc. and
                        Financial Services of the South, Inc. are
                        included as Exhibit 10.7 of MidSouth's Form 10-QSB
                        filed on August 14, 1997 and is incorporated herein
                        by reference.

10.9                    Modification Agreement to the Loan Agreement and
                        Master Note for the Line of Credit established for
                        MidSouth Bancorp, Inc. is included as Exhibit 10.9
                        of MidSouth's Form 10-QSB filed on August 13, 1999
                        and is incorporated herein by reference.

11                      Computation of earnings per share

27                      Financial Data Schedule


     (b)  Reports Filed on Form 8-K

                        (none)

Signatures

In accordance with the requirements of the Exchange Act, the registrant
caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized.



                                         MidSouth Bancorp, Inc.
                                         (Registrant)


Date:  August 14, 2000


                                         /s/ C. R. Cloutier
                                         C. R. Cloutier, President & CEO



                                         /s/ Karen L. Hail
                                         Karen L. Hail, Executive Vice
                                         President & CFO



                                         /s/ Teri S. Stelly
                                         Teri S. Stelly, Senior Vice
                                         President & Controller