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| UNITED      STATESSECURITIES      AND EXCHANGE COMMISSIONWASHINGTON,      D.C.  20549                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |
| FORM      10-Q                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |
| xQUARTERLY REPORT      PURSUANT TO SECTION 13 OR 15(d) OF THESECURITIES      EXCHANGE ACT OF 1934For      the quarterly period ended March 31,      2009OR¨TRANSITION REPORT      PURSUANT TO SECTION 13 OR 15(d) OF THESECURITIES      EXCHANGE ACT OF 1934For      the transition period from _____ to _____                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |
| COMMISSION      FILE NUMBER 1-11826MIDSOUTH BANCORP,      INC.(Exact      name of registrant as specified in its charter)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |
| Louisiana                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | 72      –1020809 |
| (State      of other jurisdiction of incorporation or organization)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | (I.R.S.      Employer Identification No.) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|                         102      Versailles Boulevard, Lafayette, Louisiana 70501 (Address      of principal executive offices, including zip code)(337)      237-8343(Registrant’s      telephone number, including area code)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |
| Indicate      by checkmark whether the registrant (1) has filed all reports required to      be filed by Section 13 or 15(d) of the Securities Exchange Act 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   ¨                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |
| Indicate      by check mark whether the registrant is a large accelerated filer, an      accelerated filer, a non-accelerated filer, or a small reporting      company.Large      accelerated filer ¨                                                                Accelerated      filer x                                           Non-accelerated      filer ¨Small      reporting company ¨ |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |
| Indicate      by check mark whether the registrant is a shell company (as defined in      Rule 12b-2 of the Act.)YES   ¨   NO   x                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| Indicate      by check mark whether the registrant has submitted electronically and      posted on its corporate Web site, if any, every Interactive Data File      required to be submitted and posted pursuant to Rule 405 of Regulation S-T      (Section 232.405 of this chapter) during the preceding 12 months (or for      such shorter period that the registrant was required to submit and post      such files). YES   ¨   NO   x                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |
| As of April 30, 2009, there were      6,788,885 shares of the registrant’s Common Stock, par value $0.10 per      share, outstanding.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |

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|   | Consolidated      Statements of Condition |
|--------|-------------------------------------------|

|   | Consolidated      Statements of Earnings (unaudited) |
|--------|------------------------------------------------------|

|   | Consolidated      Statement of Stockholders’ Equity(unaudited) |
|--------|----------------------------------------------------------------------|

|   | Consolidated      Statement of Stockholders’ Equity(unaudited) |
|--------|----------------------------------------------------------------------|

|   | Consolidated      Statements of Cash Flows(unaudited) |
|--------|-------------------------------------------------------|

|   | Notes      to Interim Consolidated FinancialStatements |
|--------|--------------------------------------------------------|

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|   | Forward      Looking Statements |
|--------|---------------------------------|

|   | Critical      Accounting Policies |
|--------|-----------------------------------|

|   | Results      of Operations |
|--------|----------------------------|

|   | Analysis      of Statement of Condition |
|--------|-----------------------------------------|

|   | Liquidity |
|--------|-----------|

|   | Impact      of Inflation and Changing Prices |
|--------|----------------------------------------------|

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Tableof Contents

Part I – Financial Information

Item 1. Financial Statements.

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| MidSouth      Bancorp, Inc. and Subsidiaries                                                                                                                             |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
| Consolidated      Statements of Condition (dollars      in thousands)                                                                                                    |   |
|                                                                                                                                                                     |   | March      31,2009(unaudited) |   |   | December      31, 2008 * |   |
| Assets                                                                                                                                                                   |   |   |   |   |   |   |
| Cash      and due from banks                                                                                                                                             |   | $ | 23,464 |   |   | $ | 24,753 |   |
| Interest-bearing      deposits in other banks                                                                                                                            |   |   | 10 |   |   |   | 33 |   |
| Federal      funds sold                                                                                                                                                  |   |   | 13,507 |   |   |   | - |   |
| Time      deposits in other banks                                                                                                                                        |   |   | 9,023 |   |   |   | 9,023 |   |
| Securities      available-for-sale, at fair value (cost of $209,284 at March 31, 2009 and      $223,372 at December 31, 2008)                                            |   |   | 212,515 |   |   |   | 225,944 |   |
| Securities      held-to-maturity (estimated fair value of $4,814 at March 31, 2009 and      $6,648 at December 31, 2008)                                                 |   |   | 4,677 |   |   |   | 6,490 |   |
| Other      investments                                                                                                                                                   |   |   | 4,308 |   |   |   | 4,309 |   |
| Loans                                                                                                                                                                    |   |   | 597,209 |   |   |   | 608,955 |   |
| Allowance      for loan losses                                                                                                                                           |   |   | (7,801 | ) |   |   | (7,586 | ) |
| Loans,      net of allowance                                                                                                                                             |   |   | 589,408 |   |   |   | 601,369 |   |
| Bank      premises and equipment, net                                                                                                                                    |   |   | 40,219 |   |   |   | 40,580 |   |
| Accrued      interest receivable                                                                                                                                         |   |   | 5,589 |   |   |   | 5,356 |   |
| Goodwill      and intangibles                                                                                                                                            |   |   | 9,572 |   |   |   | 9,605 |   |
| Cash      surrender value of life insurance                                                                                                                              |   |   | 4,418 |   |   |   | 4,378 |   |
| Other      assets                                                                                                                                                        |   |   | 6,381 |   |   |   | 4,975 |   |
| Total      assets                                                                                                                                                        |   | $ | 923,091 |   |   | $ | 936,815 |   |
|                                                                                                                                                                     |   |   |   |   |   |   |   |   |
| Liabilities      and Stockholders’ Equity                                                                                                                          |   |   |   |   |   |   |   |   |
| Liabilities:                                                                                                                                                             |   |   |   |   |   |   |   |   |
| Deposits:                                                                                                                                                                |   |   |   |   |   |   |   |   |
| Non-interest      bearing                                                                                                                                                |   | $ | 198,803 |   |   | $ | 199,899 |   |
| Interest      bearing                                                                                                                                                    |   |   | 570,625 |   |   |   | 566,805 |   |
| Total      deposits                                                                                                                                                      |   |   | 769,428 |   |   |   | 766,704 |   |
| Borrowings                                                                                                                                                               |   |   | 37,612 |   |   |   | 75,876 |   |
| Accrued      interest payable                                                                                                                                            |   |   | 768 |   |   |   | 1,227 |   |
| Junior      subordinated debentures                                                                                                                                      |   |   | 15,465 |   |   |   | 15,465 |   |
| Other      liabilities                                                                                                                                                   |   |   | 6,107 |   |   |   | 4,499 |   |
| Total      liabilities                                                                                                                                                   |   |   | 829,380 |   |   |   | 863,771 |   |
| Stockholders’      Equity:                                                                                                                                         |   |   |   |   |   |   |   |   |
| Series      A Preferred stock, no par value; 5,000,000 shares authorized, 20,000      shares issued and outstanding at March 31, 2009 and none at December 31,      2008 |   |   | 19,063 |   |   |   | - |   |
| Common      stock, $0.10 par value- 10,000,000 shares authorized, 6,788,885 issued and      6,618,220 outstanding at March 31, 2009 and December 31,    2008             |   |   | 679 |   |   |   | 679 |   |
| Additional      paid-in capital                                                                                                                                          |   |   | 53,047 |   |   |   | 52,097 |   |
| Unearned      ESOP shares                                                                                                                                                |   |   | (300 | ) |   |   | (18 | ) |
| Accumulated      other comprehensive income                                                                                                                              |   |   | 2,133 |   |   |   | 1,697 |   |
| Treasury      stock – 170,665 shares at March 31, 2009 and  December 31, 2008,      at cost                                                              |   |   | (3,544 | ) |   |   | (3,544 | ) |
| Retained      earnings                                                                                                                                                   |   |   | 22,633 |   |   |   | 22,133 |   |
| Total      stockholders’ equity                                                                                                                                    |   |   | 93,711 |   |   |   | 73,044 |   |
| Total      liabilities and stockholders’ equity                                                                                                                    |   | $ | 923,091 |   |   | $ | 936,815 |   |
|                                                                                                                                                                     |   |   |   |   |   |   |   |   |
|                                                                                                                                                                     |   |   |   |   |   |   |   |   |
| *      Derived from audited financial statements.See      notes to unaudited consolidated financial statements.                                                          |   |   |   |   |   |   |   |   |

Tableof Contents

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| MidSouth      Bancorp, Inc. and Subsidiaries                                                             |   |                                   |   |   |
|----------------------------------------------------------------------------------------------------------|--------|----------------------------------------|--------|--------|
| Consolidated      Statements of Earnings (unaudited)                                                     |   |
| (in      thousands, except per share data)                                                               |   |
|                                                                                                     |   | Three      Months Ended March      31, |   |
|                                                                                                     |   | 2009                                   |   |   | 2008 |   |
| Interest      income:                                                                                    |   |                                   |   |   |   |   |
|     Loans,      including fees                                                       |   | $                                      | 10,399 |   |   | $ | 12,006 |   |
|     Securities and      other investments:                                           |   |                                   |   |   |   |   |   |   |
|               Taxable                                            |   |                                   | 1,222  |   |   |   | 960 |   |
|               Nontaxable                                         |   |                                   | 1,140  |   |   |   | 1,041 |   |
|     Federal      funds sold                                                          |   |                                   | 33     |   |   |   | 305 |   |
|         Total      interest income                               |   |                                   | 12,794 |   |   |   | 14,312 |   |
|                                                                                                     |   |                                   |   |   |   |   |   |   |
| Interest      expense:                                                                                   |   |                                   |   |   |   |   |   |   |
|     Deposits                                                                         |   |                                   | 2,174  |   |   |   | 4,478 |   |
|     Borrowings                                                                       |   |                                   | 228    |   |   |   | 228 |   |
|     Junior      subordinated debentures                                              |   |                                   | 266    |   |   |   | 332 |   |
|         Total      interest expense                              |   |                                   | 2,668  |   |   |   | 5,038 |   |
|                                                                                                     |   |                                   |   |   |   |   |   |   |
| Net      interest income                                                                                 |   |                                   | 10,126 |   |   |   | 9,274 |   |
| Provision      for loan losses                                                                           |   |                                   | 1,000  |   |   |   | 1,200 |   |
|         Net      interest income after provision for loan losses |   |                                   | 9,126  |   |   |   | 8,074 |   |
|                                                                                                     |   |                                   |   |   |   |   |   |   |
| Non-interest      income:                                                                                |   |                                   |   |   |   |   |   |   |
|     Service      charges on deposits                                                 |   |                                   | 2,387  |   |   |   | 2,370 |   |
|     ATM and      debit card income                                                   |   |                                   | 755    |   |   |   | 589 |   |
|     Other      charges and fees                                                      |   |                                   | 388    |   |   |   | 628 |   |
|         Total      non-interest income                           |   |                                   | 3,530  |   |   |   | 3,587 |   |
|                                                                                                     |   |                                   |   |   |   |   |   |   |
| Non-interest      expenses:                                                                              |   |                                   |   |   |   |   |   |   |
|     Salaries and      employee benefits                                              |   |                                   | 5,479  |   |   |   | 5,178 |   |
|     Occupancy      expense                                                           |   |                                   | 2,335  |   |   |   | 1,950 |   |
|     Other                                                                            |   |                                   | 3,452  |   |   |   | 3,165 |   |
|         Total      non-interest expenses                         |   |                                   | 11,266 |   |   |   | 10,293 |   |
|                                                                                                     |   |                                   |   |   |   |   |   |   |
| Income      before income taxes                                                                          |   |                                   | 1,390  |   |   |   | 1,368 |   |
| Provision      for income taxes                                                                          |   |                                   | 157    |   |   |   | 169 |   |
|                                                                                                     |   |                                   |   |   |   |   |   |   |
| Net      earnings                                                                                        |   |                                   | 1,233  |   |   |   | 1,199 |   |
| Dividends      on preferred stock                                                                        |   |                                   | 277    |   |   |   | - |   |
|     Net      earnings available to common shareholders                               |   | $                                      | 956    |   |   | $ | 1,199 |   |
|                                                                                                     |   |                                   |   |   |   |   |   |   |
| Earnings      per share:                                                                                 |   |                                   |   |   |   |   |   |   |
|     Basic                                                                            |   | $                                      | 0.14   |   |   | $ | 0.18 |   |
|     Diluted                                                                          |   | $                                      | 0.14   |   |   | $ | 0.18 |   |
|                                                                                                     |   |                                   |   |   |   |   |   |   |
| See      notes to unaudited consolidated financial statements.                                           |   |

Tableof Contents

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| MidSouth      Bancorp, Inc. and Subsidiaries                                                                          |   |
|-----------------------------------------------------------------------------------------------------------------------|--------|
| Consolidated      Statement of Stockholders’ Equity (unaudited)                                                 |   |
| For      the Three Months Ended March 31, 2009(in      thousands, except share and per share data)                    |   |
|                                                                                                                  |   | Preferred      Stock |   |   | Common      Stock |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                  |   |  Shares |   |   | Amount |   |   | Shares |   |   | Amount |   |   | Additional      Paid-in Capital |   |   | Unearned      ESOP Shares |   |   | Accumulated      Other Comprehensive Income |   |   | Treasury      Stock |   |   | Retained      Earnings |   |   | Total |   |
| Balance-      January 1, 2009                                                                                         |   |   | - |   |   |   | - |   |   |   | 6,788,885 |   |   | $ | 679 |   |   | $ | 52,097 |   |   | $ | (18 | ) |   | $ | 1,697 |   |   | $ | (3,544 | ) |   | $ | 22,133 |   |   | $ | 73,044 |   |
| Net      earnings                                                                                                     |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,233 |   |   |   | 1,233 |   |
| Net      change in unrealized gains (losses) on securities available-for-sale, net      of taxes                      |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 436 |   |   |   | - |   |   |   | - |   |   |   | 436 |   |
| Comprehensive      income                                                                                             |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,669 |   |
| Issuance      of Series A cumulative preferred stock and common stock warrants, net of      issuance costs of $46,000 |   |   | 20,000 |   |   |   | 19,014 |   |   |   | - |   |   |   | - |   |   |   | 940 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 19,954 |   |
| Accretion      of discount associated with preferred stock                                                            |   |   | - |   |   |   | 49 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (49 | ) |   |   | - |   |
| Dividends      on preferred stock at 5%                                                                               |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (228 | ) |   |   | (228 | ) |
| Dividends      on common stock, $0.07 per share                                                                       |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (456 | ) |   |   | (456 | ) |
| Tax      benefit resulting from exercise of stock options                                                             |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (4 | ) |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (4 | ) |
| Increase      in ESOP obligation, net of repayments                                                                   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (282 | ) |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (282 | ) |
| Stock      option expense                                                                                             |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 14 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 14 |   |
| Balance-      March 31, 2009                                                                                          |   |   | 20,000 |   |   | $ | 19,063 |   |   |   | 6,788,885 |   |   | $ | 679 |   |   | $ | 53,047 |   |   | $ | (300 | ) |   | $ | 2,133 |   |   | $ | (3,544 | ) |   | $ | 22,633 |   |   | $ | 93,711 |   |
|                                                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| See      notes to unaudited consolidated financial statements.                                                        |   |

Tableof Contents

|                                                                                     |   |
|----------------------------------------------------------------------------------------------------|--------|
| MidSouth      Bancorp, Inc. and Subsidiaries                                                       |   |
| Consolidated      Statement of Stockholders’ Equity (unaudited)                              |   |
| For      the Three Months Ended March 31, 2008(in      thousands, except share and per share data) |   |
|                                                                                               |   |
|                                                                                               |   | Common      Stock |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                               |   | Shares |   |   | Amount |   |   | Additional      Paid-in Capital |   |   | Unearned      ESOP Shares |   |   | Accumulated      Other Comprehensive Income |   |   | Treasury      Stock |   |   | Retained      Earnings |   |   | Total |   |
| Balance-      January 1, 2008                                                                      |   |   | 6,722,993 |   |   | $ | 672 |   |   | $ | 51,327 |   |   | $ | (133 | ) |   | $ | 813 |   |   | $ | (3,040 | ) |   | $ | 18,830 |   |   | $ | 68,469 |   |
| Cumulative-effect      adjustment resulting from the adoption of EITF 06-04                        |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (115 | ) |   |   | (115 | ) |
| Net      earnings                                                                                  |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,199 |   |   |   | 1,199 |   |
| Comprehensive      income:                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net      change in unrealized gain on securities available-for-sale, net of      taxes             |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 1,081 |   |   |   | - |   |   |   | - |   |   |   | 1,081 |   |
| Comprehensive      income                                                                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 2,281 |   |
| Cash      dividends on common stock, $0.07 per share                                               |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (457 | ) |   |   | (457 | ) |
| Exercise      of stock options                                                                     |   |   | 39,539 |   |   |   | 4 |   |   |   | 302 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 306 |   |
| Tax      benefit resulting from exercise of stock options                                          |   |   | - |   |   |   | - |   |   |   | 77 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 77 |   |
| Purchase      of treasury stock                                                                    |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | (287 | ) |   |   | - |   |   |   | (287 | ) |
| ESOP      obligation, net of repayments                                                            |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 31 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 31 |   |
| Excess      of market value over book value of ESOP shares released, net      adjustment           |   |   | - |   |   |   | - |   |   |   | 11 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 11 |   |
| Stock      option expense                                                                          |   |   | - |   |   |   | - |   |   |   | 17 |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | - |   |   |   | 17 |   |
| Balance-      March 31, 2008                                                                       |   |   | 6,762,532 |   |   | $ | 676 |   |   | $ | 51,734 |   |   | $ | (102 | ) |   | $ | 1,894 |   |   | $ | (3,327 | ) |   | $ | 19,457 |   |   | $ | 70,332 |   |
|                                                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|  See      notes to unaudited consolidated financial statements.                               |   |

Tableof Contents

| MidSouth      Bancorp, Inc. and Subsidiaries                                                  |   |
|-----------------------------------------------------------------------------------------------|--------|
| Consolidated      Statements of Cash Flows (unaudited)(in      thousands)                     |   |
|                                                                                          |   | For      the Three Months Ended      March 31, |   |
|                                                                                          |   | 2009 |   |   | 2008 |   |
| Cash      flows from operating activities:                                                    |   |   |   |   |   |   |
| Net      earnings                                                                             |   | $ | 1,233 |   |   | $ | 1,199 |   |
| Adjustments      to reconcile net earnings to net cash provided by operating      activities: |   |   |   |   |   |   |   |   |
| Depreciation      and amortization                                                            |   |   | 943 |   |   |   | 787 |   |
| Provision      for loan losses                                                                |   |   | 1,000 |   |   |   | 1,200 |   |
| Provision      for deferred taxes                                                             |   |   | 327 |   |   |   | (363 | ) |
| Amortization      of premiums on securities, net                                              |   |   | 170 |   |   |   | 107 |   |
| Stock      option expense                                                                     |   |   | 14 |   |   |   | 17 |   |
| Change      in accrued interest receivable                                                    |   |   | (233 | ) |   |   | 503 |   |
| Change      in accrued interest payable                                                       |   |   | (459 | ) |   |   | (170 | ) |
| Change      in other assets and other liabilities, net                                        |   |   | 268 |   |   |   | 1,384 |   |
| Net      cash provided by operating activities                                                |   |   | 3,263 |   |   |   | 4,664 |   |
|                                                                                          |   |   |   |   |   |   |   |   |
| Cash      flows from investing activities:                                                    |   |   |   |   |   |   |   |   |
| Proceeds      from maturities and calls of securities available-for-sale                      |   |   | 26,282 |   |   |   | 24,419 |   |
| Proceeds      from maturities and calls of securities held-to-maturity                        |   |   | 1,815 |   |   |   | 1,000 |   |
| Proceeds      from other investments                                                          |   |   | - |   |   |   | 1,159 |   |
| Purchases      of securities available-for-sale                                               |   |   | (12,364 | ) |   |   | (23,055 | ) |
| Purchases      of other investments                                                           |   |   | (1 | ) |   |   | (691 | ) |
| Loan      originations, net of repayments                                                     |   |   | 10,167 |   |   |   | (890 | ) |
| Purchase      of premises and equipment                                                       |   |   | (551 | ) |   |   | (1,493 | ) |
| Proceeds      from sale of premises and equipment                                             |   |   | 1 |   |   |   | 6 |   |
| Net      cash provided by investing activities                                                |   |   | 25,349 |   |   |   | 455 |   |
|                                                                                          |   |   |   |   |   |   |   |   |
| Cash      flows from financing activities:                                                    |   |   |   |   |   |   |   |   |
| Change      in deposits                                                                       |   |   | 2,724 |   |   |   | 84,487 |   |
| Change      in repurchase agreements                                                          |   |   | 12,636 |   |   |   | 201 |   |
| Change      in federal funds purchased                                                        |   |   | (14,900 | ) |   |   | - |   |
| Repayments      of Federal Reserve Bank discount window                                       |   |   | (36,000 | ) |   |   | - |   |
| Proceeds      from FHLB advances                                                              |   |   | - |   |   |   | 19,100 |   |
| Repayments      of FHLB advances                                                              |   |   | - |   |   |   | (23,500 | ) |
| Net      proceeds from the issuance of preferred stock                                        |   |   | 19,954 |   |   |   | - |   |
| Purchase      of treasury stock                                                               |   |   | - |   |   |   | (287 | ) |
| Payment      of dividends on preferred stock                                                  |   |   | (100 | ) |   |   | - |   |
| Payment      of dividends on common stock                                                     |   |   | (728 | ) |   |   | (723 | ) |
| Proceeds      from exercise of stock options                                                  |   |   | - |   |   |   | 305 |   |
| Tax      benefit due to exercise of stock options, net adjustment                             |   |   | (3 | ) |   |   | 77 |   |
| Net      cash (used in) provided by financing activities                                      |   |   | (16,417 | ) |   |   | 79,660 |   |
|                                                                                          |   |   |   |   |   |   |   |   |
| Net      increase in cash and cash equivalents                                                |   |   | 12,195 |   |   |   | 84,779 |   |
|                                                                                          |   |   |   |   |   |   |   |   |
| Cash      and cash equivalents, beginning of period                                           |   |   | 24,786 |   |   |   | 30,872 |   |
|                                                                                          |   |   |   |   |   |   |   |   |
| Cash      and cash equivalents, end of period                                                 |   | $ | 36,981 |   |   | $ | 115,651 |   |
|                                                                                          |   |   |   |   |   |   |   |   |
| Supplemental      information on investing and financing activities:                          |   |   |   |   |   |   |   |   |
|      Accrued      preferred stock dividends                          |   | $ | 128 |   |   | $ | - |   |
|                                                                                          |   |   |   |   |   |   |   |   |
| See      notes to unaudited consolidated financial statements.                                |   |   |   |   |   |   |   |   |
|                                                                                          |   |   |   |   |   |   |   |   |

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| MidSouth      Bancorp, Inc. and Subsidiaries            |
|---------------------------------------------------------|
| Notes      to Interim Consolidated Financial Statements |
| March      31, 2009                                     |
| (Unaudited)                                             |

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|                              |   | Three      Months Ended      March 31, |   |
|-----------------------------------|--------|----------------------------------------|--------|
|                              |   | 2009                                   |   |   | 2008 |   |
| Balance,      beginning of period |   | $                                      | 7,586  |   |   | $ | 5,612 |   |
| Provision      for loan losses    |   |                                   | 1,000  |   |   |   | 1,200 |   |
| Recoveries                        |   |                                   | 71     |   |   |   | 9 |   |
| Loans      charged-off            |   |                                   | (856   | ) |   |   | (691 | ) |
| Balance,      end of period       |   | $                                      | 7,801  |   |   | $ | 6,130 |   |

|                                                                                                                                                           |   | Three      Months Ended      March 31, |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------|--------|
|                                                                                                                                                           |   | 2009                                   |   |   | 2008 |   |
| Net      income available to common shareholders                                                                                                               |   | $                                      | 956    |   |   | $ | 1,199 |   |
| Weighted      average number of common shares outstanding used in computation of basic      earnings per common share                                          |   |                                   | 6,617  |   |   |   | 6,586 |   |
| Effect      of dilutive securities:Stock options                                                                                                               |   |                                   | 10     |   |   |   | 36 |   |
| Weighted      average number of common shares outstanding plus effect of dilutive      securities – used in computation of diluted earnings per    share |   |                                   | 6,627  |   |   |   | 6,622 |   |

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|                               |   |  Total      Carrying Amount in Statement of Condition at |    |   |  Assets      / Liabilities Measured at Fair Value at |   |    | Fair      Value Measurements at March 31, 2009 using: |   |
|------------------------------------|--------|---------------------------------------------------------------|---------|--------|-----------------------------------------------------------|--------|---------|-------------------------------------------------------|--------|
| Description                        |   | March      31,      2009                                      |    |   | March      31, 2009                                       |   |    | Level      1                                          |   |   | Level      2 |   |   | Level      3 |   |
| Available-for-sale securities |   | $                                                             | 212,515 |   |                                                      | $      | 212,515 |                                                  |   | $ | 71 |   |   | $ | 212,444 |   |   | $ | - |   |

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Item 2. Management’s Discussion and Analysis of Financial Conditionand Results of Operation.

|   | · | changes      in interest rates and market prices that could affect the net interest      margin, asset valuation, and expenselevels; |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------|

|   | · | changes      in local economic and business conditions that could adversely affect      customers and their ability to repay borrowings under agreed upon terms      and/or adversely affect the value of the underlying collateral related to      the borrowings; |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | increased      competition for deposits and loans which could affect rates and      terms; |
|--------|--------|--------------------------------------------------------------------------------------------|

|   | · | changes      in the levels of prepayments received on loans and investment securities      that adversely affect the yield and value of the earning      assets; |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | a      deviation in actual experience from the underlying assumptions used to      determine and establish the Allowance for Loan Losses    (“ALL”); |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | changes      in the availability of funds resulting from reduced liquidity or increased      costs; |
|--------|--------|-----------------------------------------------------------------------------------------------------|

|   | · | the      timing and impact of future acquisitions, the success or failure of      integrating operations, and the ability to capitalize on growth      opportunities upon entering newmarkets; |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | the      ability to acquire, operate, and maintain effective and efficient      operating systems; |
|--------|--------|----------------------------------------------------------------------------------------------------|

|   | · | increased      asset levels and changes in the composition of assets that would impact      capital levels and regulatory capitalratios; |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | loss      of critical personnel and the challenge of hiring qualified personnel at      reasonable compensation levels; |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------|

|   | · | changes      in government regulations and accounting principles, policies, and      guidelines applicable to financial holding companies and banking;      and |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | acts      of terrorism, weather, or other events beyond the Company’s      control. |
|--------|--------|-------------------------------------------------------------------------------------------|

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| Table      1                                                                      |   |
|-----------------------------------------------------------------------------------|--------|
| Consolidated      Average Balances, Interest and Rates(in      thousands)         |   |
|                                                                              |   | Three      Months Ended March      31, |   |
|                                                                              |   | 2009 |   |   | 2008 |   |
|                                                                              |   | AverageVolume |   |   | Interest |   |   | AverageYield/Rate |   |   | AverageVolume |   |   | Interest |   |   | AverageYield/Rate |   |
| Assets                                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Investment      securities1                                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Taxable                                                                           |   | $ | 101,777 |   |   |   | 1,146 |   |   |   | 4.50 | % |   | $ | 78,825 |   |   | $ | 958 |   |   |   | 4.86 | % |
| Tax      exempt2                                                                  |   |   | 119,825 |   |   |   | 1,614 |   |   |   | 5.39 | % |   |   | 108,933 |   |   |   | 1,474 |   |   |   | 5.41 | % |
| Other      investments                                                            |   |   | 4,308 |   |   |   | 33 |   |   |   | 3.06 | % |   |   | 3,693 |   |   |   | 31 |   |   |   | 3.36 | % |
| Total      investments                                                            |   |   | 225,910 |   |   |   | 2,793 |   |   |   | 4.95 | % |   |   | 191,451 |   |   |   | 2,463 |   |   |   | 5.14 | % |
| Federal      funds                                                                |   |   | 1,587 |   |   |   | 1 |   |   |   | 0.25 | % |   |   | 38,970 |   |   |   | 274 |   |   |   | 2.78 | % |
| Loans                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial      and real estate                                                   |   |   | 488,297 |   |   |   | 8,036 |   |   |   | 6.67 | % |   |   | 456,435 |   |   |   | 9,419 |   |   |   | 8.30 | % |
| Installment                                                                       |   |   | 112,485 |   |   |   | 2,362 |   |   |   | 8.52 | % |   |   | 112,719 |   |   |   | 2,587 |   |   |   | 9.23 | % |
| Total      loans3                                                                 |   |   | 600,782 |   |   |   | 10,398 |   |   |   | 7.02 | % |   |   | 569,154 |   |   |   | 12,006 |   |   |   | 8.48 | % |
| Other      earning assets                                                         |   |   | 9,071 |   |   |   | 75 |   |   |   | 3.35 | % |   |   | 386 |   |   |   | 2 |   |   |   | 2.08 | % |
| Total      earning assets                                                         |   |   | 837,350 |   |   |   | 13,267 |   |   |   | 6.43 | % |   |   | 799,961 |   |   |   | 14,745 |   |   |   | 7.41 | % |
| Allowance      for loan losses                                                    |   |   | (7,416 | ) |   |   |   |   |   |   |   |   |   |   | (5,531 | ) |   |   |   |   |   |   |   |   |
| Nonearning      assets                                                            |   |   | 92,156 |   |   |   |   |   |   |   |   |   |   |   | 89,728 |   |   |   |   |   |   |   |   |   |
| Total      assets                                                                 |   | $ | 922,090 |   |   |   |   |   |   |   |   |   |   | $ | 884,158 |   |   |   |   |   |   |   |   |   |
|                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities      and stockholders’ equity                                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| NOW,      money market, and savings                                               |   | $ | 421,942 |   |   | $ | 1,104 |   |   |   | 1.06 | % |   | $ | 450,702 |   |   | $ | 2,929 |   |   |   | 2.61 | % |
| Time      deposits                                                                |   |   | 144,063 |   |   |   | 1,070 |   |   |   | 3.01 | % |   |   | 141,073 |   |   |   | 1,549 |   |   |   | 4.42 | % |
| Total      interest bearing deposits                                              |   |   | 566,005 |   |   |   | 2,174 |   |   |   | 1.56 | % |   |   | 591,775 |   |   |   | 4,478 |   |   |   | 3.04 | % |
| Federal      funds purchased and securities sold under repurchase      agreements |   |   | 30,899 |   |   |   | 205 |   |   |   | 2.80 | % |   |   | 26,150 |   |   |   | 212 |   |   |   | 3.21 | % |
| FHLB      advances                                                                |   |   | - |   |   |   | - |   |   |   |   |   |   |   | 1,663 |   |   |   | 16 |   |   |   | 3.81 | % |
| Federal      Reserve Bank discount window                                         |   |   | 18,756 |   |   |   | 23 |   |   |   | 0.50 | % |   |   | - |   |   |   | - |   |   |   |   |   |
| Total      borrowings                                                             |   |   | 49,655 |   |   |   | 228 |   |   |   | 1.84 | % |   |   | 27,813 |   |   |   | 228 |   |   |   | 3.24 | % |
| Junior      subordinated debentures                                               |   |   | 15,465 |   |   |   | 266 |   |   |   | 6.88 | % |   |   | 15,465 |   |   |   | 332 |   |   |   | 8.49 | % |
| Total      interest bearing liabilities                                           |   |   | 631,125 |   |   |   | 2,668 |   |   |   | 1.71 | % |   |   | 635,053 |   |   |   | 5,038 |   |   |   | 3.19 | % |
|                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Demand      deposits                                                              |   |   | 192,319 |   |   |   |   |   |   |   |   |   |   |   | 174,109 |   |   |   |   |   |   |   |   |   |
| Other      liabilities                                                            |   |   | 4,793 |   |   |   |   |   |   |   |   |   |   |   | 5,095 |   |   |   |   |   |   |   |   |   |
| Stockholders’      equity                                                   |   |   | 93,853 |   |   |   |   |   |   |   |   |   |   |   | 69,901 |   |   |   |   |   |   |   |   |   |
| Total      liabilities and stockholders’ equity                             |   | $ | 922,090 |   |   |   |   |   |   |   |   |   |   | $ | 884,158 |   |   |   |   |   |   |   |   |   |
|                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net      interest income and net interest spread                                  |   |   |   |   |   | $ | 10,599 |   |   |   | 4.72 | % |   |   |   |   |   | $ | 9,707 |   |   |   | 4.22 | % |
| Net      yield on interest earning assets                                         |   |   |   |   |   |   |   |   |   |   | 5.13 | % |   |   |   |   |   |   |   |   |   |   | 4.88 | % |

----

 

 

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|                                                                                  |   |
|---------------------------------------------------------------------------------------|--------|
| Table      2Changes      in Taxable-Equivalent Net Interest Income(in      thousands) |   |
|                                                                                  |   | Three      Months EndedMarch      31, 2009 compared to March 31, 2008 |   |
|                                                                                  |   | TotalIncrease |   |   | ChangeAttributable      To |   |
|                                                                                  |   | (Decrease) |   |   | Volume |   |   | Rates |   |
| Taxable-equivalent      earned on:                                                    |   |   |   |   |   |   |   |   |   |
| Investment      securities                                                            |   |   |   |   |   |   |   |   |   |
| Taxable                                                                               |   | $ | 188 |   |   | $ | 262 |   |   | $ | (74 | ) |
| Tax      exempt                                                                       |   |   | 140 |   |   |   | 147 |   |   |   | (7 | ) |
| Other      investments                                                                |   |   | 2 |   |   |   | 5 |   |   |   | (3 | ) |
| Federal      funds sold                                                               |   |   | (273 | ) |   |   | (140 | ) |   |   | (133 | ) |
| Loans,      including fees                                                            |   |   | (1,608 | ) |   |   | 634 |   |   |   | (2,242 | ) |
| Other      earning assets                                                             |   |   | 73 |   |   |   | 71 |   |   |   | 2 |   |
| Total                                                                                 |   |   | (1,478 | ) |   |   | 979 |   |   |   | (2,457 | ) |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest      paid on:                                                                |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest      bearing deposits                                                        |   |   | (2,304 | ) |   |   | (185 | ) |   |   | (2,119 | ) |
| Federal      funds purchased and securities sold under repurchase      agreements     |   |   | (7 | ) |   |   | 25 |   |   |   | (32 | ) |
| FHLB      advances                                                                    |   |   | (16 | ) |   |   | (16 | ) |   |   | - |   |
| Federal      Reserve Bank discount window                                             |   |   | 23 |   |   |   | 23 |   |   |   | - |   |
| Junior      subordinated debentures                                                   |   |   | (66 | ) |   |   | - |   |   |   | (66 | ) |
| Total                                                                                 |   |   | (2,370 | ) |   |   | (153 | ) |   |   | (2,217 | ) |
|                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |
| Taxable-equivalent      net interest income                                           |   | $ | 892 |   |   | $ | 1,132 |   |   | $ | (240 | ) |

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|                                                           |   |                |    |   |                   |   |
|----------------------------------------------------------------|--------|---------------------|---------|--------|------------------------|--------|
| Table      3Composition      of Loans (in      thousands) |   |                |    |   |                   |   |
|                                                           |   | March      31, 2009 |    |   | December      31, 2008 |   |
| Commercial,      financial, and agricultural                   |   | $                   | 202,315 |   |                   | $      | 210,058 |   |
| Lease      financing receivable                                |   |                | 7,377   |   |                   |   | 8,058 |   |
| Real      estate – mortgage                              |   |                | 236,594 |   |                   |   | 234,588 |   |
| Real      estate – construction                          |   |                | 64,389  |   |                   |   | 65,327 |   |
| Installment      loans to individuals                          |   |                | 85,604  |   |                   |   | 89,901 |   |
| Other                                                          |   |                | 930     |   |                   |   | 1,023 |   |
| Total loans                                                    |   | $                   | 597,209 |   |                   | $      | 608,955 |   |

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| Table      4Nonperforming      Assets and Loans Past Due 90 Days or More and Still Accruing(in      thousands) |   |
|----------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                           |   | March      31,2009 |   |   | March      31,2008 |   |   | December      31,2008 |   |
| Nonaccrual      loans                                                                                          |   | $ | 15,713 |   |   | $ | 1,899 |   |   | $ | 9,355 |   |
| Loans      past due 90 days and over and still accruing                                                        |   |   | 1,250 |   |   |   | 2,275 |   |   |   | 1,005 |   |
| Total      nonperforming loans                                                                                 |   |   | 16,963 |   |   |   | 4,174 |   |   |   | 10,360 |   |
| Other      real estate owned                                                                                   |   |   | 843 |   |   |   | 143 |   |   |   | 329 |   |
| Other      foreclosed assets                                                                                   |   |   | 255 |   |   |   | 315 |   |   |   | 306 |   |
| Total nonperforming      assets                                                                                |   | $ | 18,061 |   |   | $ | 4,632 |   |   | $ | 10,995 |   |
|                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
| Nonperforming      assets to total assets                                                                      |   |   | 1.96 | % |   |   | 0.49 | % |   |   | 1.17 | % |
| Nonperforming      assets to total loans + OREO + other foreclosed assets                                      |   |   | 3.02 | % |   |   | 0.81 | % |   |   | 1.80 | % |
| ALL      to nonperforming loans                                                                                |   |   | 45.99 | % |   |   | 146.86 | % |   |   | 73.22 | % |
| ALL      to total loans                                                                                        |   |   | 1.31 | % |   |   | 1.08 | % |   |   | 1.25 | % |
|                                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |
| YTD      charge-offs                                                                                           |   | $ | 856 |   |   | $ | 691 |   |   | $ | 2,624 |   |
| YTD      recoveries                                                                                            |   |   | 71 |   |   |   | 9 |   |   |   | 192 |   |
| YTD      net charge-offs                                                                                       |   | $ | 785 |   |   | $ | 682 |   |   | $ | 2,432 |   |
| YTD      net charge-offs to total loans                                                                        |   |   | 0.13 | % |   |   | 0.12 | % |   |   | 0.40 | % |
| Annualized      net charge-offs to total loans                                                                 |   |   | 0.53 |  % |   |   | 0.48 |  % |   |   | 0.40 |  % |

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Item 3. Quantitative and Qualitative Disclosures About MarketRisk.

Item 4. Controls and Procedures.

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Part II – Other Information

Item 1. Legal Proceedings.

Item 2. Unregistered Sales of Equity Securities and Use ofProceeds.

|               | Total      Numberof      Shares Purchased |   | Average      Price Paid per      Share |   | Total      Number of Shares      Purchased as Part      of a Publicly Announced      Plan4 |   | Maximum      Number of      Shares That May Yet      be Purchased Under      the Plan4 |
|--------------------|-------------------------------------------|--------|----------------------------------------|--------|--------------------------------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------|
| January      2009  | None                                      |   |                                   |   |                                                                                       |   |                                                                                   |
| February      2009 | None                                      |   |                                   |   |                                                                                       |   |                                                                                   |
| March      2009    | None                                 |   |                                   |   |                                                                                       |   |                                                                                   |

Item 3. Defaults Upon Senior Securities.

Item 4. Submission of Matters to a Vote of SecurityHolders.

Item 5. Other Information.

Item 6. Exhibits.

| 31.1 | Certification      pursuant to Exchange Act Rules 13(a) –14(a) |
|------|----------------------------------------------------------------------|

| 31.2 | Certification      pursuant to Exchange Act Rules 13(a) –14(a) |
|------|----------------------------------------------------------------------|

| 32.1 | Certification      pursuant to Section 906 of the Sarbanes-Oxley Act of  2002 |
|------|-------------------------------------------------------------------------------|

| 32.2 | Certification      pursuant to Section 906 of the Sarbanes-Oxley Act of  2002 |
|------|-------------------------------------------------------------------------------|

----

  

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|                              | MidSouth      Bancorp, Inc.(Registrant)  |
|-----------------------------------|-----------------------------------------------|
|                              |                                          |
| Date:  May 8,      2009 |                                          |
|                              | /s/      C. R. Cloutier                       |
|                              | C.      R. Cloutier, President /CEO           |
|                              | (Principal      Executive Officer)       |
|                              | /s/      Teri S. Stelly                       |
|                              | Teri      S. Stelly, SVP/Interim CFO          |
|                              |  (Principal      Financial Officer)      |