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.......  September 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  October 31, 2000


Common stock, $.10 par value                            2,515,166



	     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 - September 30, 2000
	 and December 31, 1999                              4

	 Statements of Income - Three and Nine Months
	 Ended September 30, 2000 and 1999                  5


	 Statement of Stockholders' Equity - Nine Months
	 Ended September 30, 2000                           6

	 Statements of Cash Flows - Nine Months Ended
	 September 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 6.  Exhibits and Reports on Form 8-K                  15


Signatures                                                 16






<PAGE>
<TABLE>
<CAPTION>


MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
FINANCIAL HIGHLIGHTS (UNAUDITED)
					   Three Months Ended        Nine Months Ended
					      September 30,            September 30,
EARNINGS DATA                              2000         1999         2000         1999
					_________________________________________________

<S>                                     <C>          <C>         <C>           <C>
Net interest income                     $3,710,140   $3,490,818  $10,814,484   $9,859,688
Provision for loan losses                  200,727      173,100      595,080      678,050
Non-interest income                      1,144,698    1,048,458    3,339,762    2,936,793
Non-interest expense                     3,582,430    3,390,025   10,682,132    9,468,136
Provision for income tax                   276,150      263,175      741,676      672,612
Net income                                 795,531      712,976    2,135,358    1,977,683
Preferred dividend requirement   <FN1>     139,905       32,648      213,369       98,934
Income available to common shareholders   $655,626     $680,328   $1,921,989   $1,878,749
=========================================================================================

PER COMMON SHARE DATA
Basic earnings per share                     $0.26        $0.28        $0.77        $0.77
Diluted earnings per share                   $0.24        $0.24        $0.70        $0.67

Book value at end of period                  $6.67        $5.94        $6.67        $5.94
Market price at end of period                $8.25        $9.69        $8.25        $9.69
Market price of preferred stock at end
  of period                                 $24.00       $32.25       $24.00       $32.25
Weighted average shares outstanding
   Basic                                 2,489,829    2,448,731    2,484,202    2,435,075
   Diluted                               2,901,198    2,957,899    2,916,018    2,953,762
=========================================================================================

AVERAGE BALANCE SHEET DATA
Total assets                          $294,150,115 $272,931,156 $286,946,682 $270,967,649
Earning assets                         267,852,903  247,978,295  260,948,866  246,082,219
Loans and leases                       188,899,108  164,582,595  179,316,245  159,434,500
Interest-bearing deposits              200,080,042  183,787,961  197,278,349  187,751,988
Total deposits                         263,390,523  243,919,986  259,816,194  247,546,397
Common stockholders' equity             15,708,534   14,690,259   15,123,417   14,109,208
Total stockholders' equity              17,687,432   16,870,940   17,189,188   16,317,784
=========================================================================================

SELECTED RATIOS
Return on average assets
  (annualized)                                1.07%        1.04%        0.99%        0.98%
Return on average common equity
  (annualized)     <FN2>                     19.27%       18.37%       17.87%       17.80%
Return on average total equity
  (annualized)                               17.84%       16.77%       16.55%       16.20%
Leverage capital ratio                        6.31%        6.10%        6.31%        6.10%
Tier 1 risk-based capital ratio               8.97%        9.18%        8.97%        9.18%
Total risk-based capital ratio               10.02%       10.25%       10.02%       10.25%
Allowance for loan losses as a %
  of total loans                              1.13%        1.14%        1.13%        1.14%
==========================================================================================

PERIOD ENDING BALANCE SHEET DATA         9/30/00      9/30/99    Net Change     % Change
Total assets                          $303,226,581 $275,777,727  $27,448,854         9.95%
Earning assets                         275,127,836  250,673,950  $24,453,886         9.76%
Loans and leases, net                  191,634,652  168,186,278  $23,448,374        13.94%
Interest-bearing deposits              208,887,685  180,445,483  $28,442,202        15.76%
Total deposits                         274,543,111  240,213,936  $34,329,175        14.29%
Common stockholders' equity             16,773,407   14,662,603   $2,110,804        14.40%
Total stockholders' equity              18,634,742   16,839,091   $1,795,651        10.66%
==========================================================================================


  <FN1> - A $107,250 charge resulting from the retirement of 11,000
	  shares of MidSouth Bancorp, Inc. Series A Preferred Stock
	  is included in the amount recorded as preferred dividends
	  for the three and nine month periods ended 9/30/00.
  <FN2> - Return on average common equity is calculated before the
	  effect of the $107,250 charge related to the retirement of
	  11,000 shares of preferred stock for the three and nine
	  month periods ended 9/30/00.


</TABLE>


				   3



<PAGE>
<TABLE>
<CAPTION>



MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION

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

						    September 30,   December 31,
							2000            1999 *
ASSETS                                               (unaudited)
						    ___________      ___________
<S>                                                 <C>              <C>
Cash and due from banks                             $13,054,019      $13,587,690
Federal funds sold                                    5,700,000          900,000
						    ___________      ___________

     Total cash and cash equivalents                 18,754,019       14,487,690

Interest bearing deposits in banks                      103,022          356,124
Securities available-for-sale, at fair value
  (cost of $52,964,558 in September 2000
  and $57,106,793 in December 1999)                  52,192,858       55,689,863
Securities held-to-maturity (estimated market
  value of $23,557,063 in September 2000 and
  $20,776,767 in December 1999)                      23,316,587       21,287,597
Loans, net of allowance for loan losses of
  $2,180,717 in September 2000 and $1,967,326
  in December 1999                                  191,634,652      168,501,407
Bank premises and equipment, net                     11,951,432       11,367,815
Other real estate owned, net                            456,774          569,963
Accrued interest receivable                           2,445,520        1,919,182
Goodwill, net                                           508,341          554,153
Other assets                                          1,863,376        1,990,047
						    ___________      ___________

     Total assets                                  $303,226,581     $276,723,841
						    ===========      ===========

LIABILITIES AND STOCKHOLDERS' EQUITY

Deposits:
  Non-interest bearing                              $65,655,426      $63,668,676
  Interest bearing                                  208,887,685      188,021,530
						    ___________      ___________

     Total deposits                                 274,543,111      251,690,206

Securities sold under
     repurchase agreements                            1,290,455          606,601
FHLB advances                                         3,000,000        3,000,000
Accrued interest payable                                784,621          715,171
Long-term notes payable                               4,478,317        3,459,097
Other liabilities                                       495,335          327,605
						    ___________      ___________

     Total liabilities                              284,591,839      259,798,680
						    ___________      ___________

Commitments and contingencies                                 -                -

Stockholders' Equity:
   Preferred Stock, no par value,
     $14.25 stated value - 5,000,000
     shares authorized, 130,620 and
     152,736 issued and outstanding on
     September 30, 2000 and
     December 31, 1999, respectively                  1,861,335        2,176,488
   Common stock, $.10 par value- 5,000,000
     shares authorized, 2,515,166 and
     2,481,843 issued and outstanding on
     September 30, 2000 and December 31, 1999,
     respectively                                       251,517          248,184
   Surplus                                           11,138,784       10,983,714
   Unearned ESOP shares                                (193,498)         (89,044)
   Unrealized losses on securities available-
     for-sale, net of deferred taxes
     of ($247,750) in September 2000
     and ($468,500) in December 1999                   (523,950)        (948,430)
   Retained earnings                                  6,100,554        4,554,249
						    ___________      ___________

     Total stockholders' equity                      18,634,742       16,925,161
						    ___________      ___________

Total liabilities and stockholders' equity         $303,226,581     $276,723,841
						    ===========      ===========



  *   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.


</TABLE>

				    4


<PAGE>
<TABLE>
<CAPTION>


MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME

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



				    Three Months Ended            Nine Months Ended
				      September 30,                  September 30,
				    2000           1999           2000           1999
				  _________________________   __________________________
<S>                               <C>            <C>          <C>            <C>
INTEREST INCOME:
Loans, including fees             $5,044,852     $4,246,928   $14,091,971    $12,030,667
Securities
     Taxable                         864,189        916,359     2,633,047      2,457,620
     Nontaxable                      310,482        283,383       904,580        821,172
Federal funds sold                    18,795         10,633        86,081        382,932
				   _________      _________    __________     __________

TOTAL                              6,238,318      5,457,303    17,715,679     15,692,391
				   _________      _________    __________     __________

INTEREST EXPENSE:
Deposits                           2,310,882      1,797,777     6,421,514      5,535,132
Securities sold under repurchase
  agreements, federal funds
  purchased and advances             129,218        99,320        237,209        102,359
Long term debt                        88,078        69,388        242,472        195,212
				   _________      _________    __________     __________

TOTAL                              2,528,178      1,966,485     6,901,195      5,832,703
				   _________      _________    __________     __________

NET INTEREST INCOME                3,710,140      3,490,818    10,814,484      9,859,688

PROVISION FOR LOAN LOSSES            200,727        173,100       595,080        678,050
				   _________      _________    __________     __________

NET INTEREST INCOME AFTER
  PROVISION FOR LOAN LOSSES        3,509,413      3,317,718    10,219,404      9,181,638
				   _________      _________    __________     __________

OTHER OPERATING INCOME:
Service charges on deposits          826,335        759,445     2,399,830      2,189,811
Gains on securities, net              14,356             -         16,126              -
Credit life insurance                 61,294         66,271       187,023        107,611
Other charges and fees               242,713        222,742       736,783        639,371
				   _________      _________    __________     __________

TOTAL OTHER INCOME                 1,144,698      1,048,458     3,339,762      2,936,793
				   _________      _________    __________     __________

OTHER EXPENSES:
Salaries and employee benefits     1,716,730      1,635,085     5,041,045      4,496,013
Occupancy expense                    828,804        691,414     2,399,469      2,016,803
Other                              1,036,896      1,063,526     3,241,618      2,955,320
				   _________      _________    __________     __________

TOTAL OTHER EXPENSES               3,582,430      3,390,025    10,682,132      9,468,136
				   _________      _________    __________     __________

INCOME BEFORE INCOME TAXES         1,071,681        976,151     2,877,034      2,650,295
PROVISION FOR INCOME TAXES           276,150        263,175       741,676        672,612
				   _________      _________    __________     __________

NET INCOME                           795,531        712,976     2,135,358      1,977,683
PREFERRED DIVIDEND REQUIREMENT       139,905         32,648       213,369         98,934
				   _________      _________    __________     __________

INCOME AVAILABLE TO COMMON
   SHAREHOLDERS                     $655,626       $680,328    $1,921,989     $1,878,749
				   =========      =========    ==========     ==========

BASIC EARNINGS PER COMMON SHARE        $0.26          $0.28         $0.77          $0.77
				   =========      =========    ==========     ==========

DILUTED EARNINGS PER COMMON SHARE      $0.24          $0.24         $0.70          $0.67
				   =========      =========    ==========     ==========


</TABLE>

				    5


<PAGE>
<TABLE>
<CAPTION>



MIDSOUTH BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000 (UNAUDITED)


											       UNREALIZED
											      (GAINS)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                                                                                                (375,684)   (375,684)
Dividends on
  preferred stock                                                                                             (106,119)   (106,119)
Preferred stock
  conversion              (11,116)   (158,403)     33,323     3,333       155,070
Retirement of
  preferred stock         (11,000)   (156,750)                                                                (107,250)   (264,000)
Net income                                                                                                   2,135,358    2,135,358
Increase in ESOP
  obligation,
  net of repayments                                                                 (104,454)                             (104,454)
Net change in unrealized
  gain/loss on securities
  available-for-sale,
  net of tax                                                                                      424,480                   424,480
			 ________  __________   _________  ________   ___________  _________    _________   __________  ___________
BALANCE,
  SEPTEMBER 30, 2000      130,620  $1,861,335   2,515,166  $251,517   $11,138,784  ($193,498)   ($523,950)  $6,100,554  $18,634,742
			 ========  ==========   =========  ========   ===========  =========    =========   ==========  ===========


See notes to consolidated financial statements.

</TABLE>

				   6

<PAGE>
<TABLE>
<CAPTION>


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

						      September 30, 2000  September 30, 1999
						      __________________  __________________
<S>                                                     <C>                 <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income                                                $2,135,358          $1,977,683
Adjustments to reconcile net income
  to net cash provided by operating activities:
    Depreciation and amortization                          1,021,680             878,710
    Provision for loan losses                                595,080             678,050
    Provision for deferred income taxes                        4,548              12,228
    Discount accretion, net                                   64,031              39,887
    Gains on sale of securities, net                         (16,126)                  -
    Gain on sale of premises and equipment                    (3,720)             (2,926)
    Loss on sale of other real estate owned                    1,639                   -
    Write-down of other real estate owned                     93,000                   -
    Change in accrued interest receivable                   (526,338)           (275,781)
    Change in accrued interest payable                        69,450             103,440
    Change in other liabilities                              167,730             258,972
    Change in other assets                                   (98,627)           (119,595)
						       _____________        ____________
NET CASH PROVIDED BY OPERATING ACTIVITIES                  3,507,705           3,550,668
						       _____________        ____________

CASH FLOWS FROM INVESTING ACTIVITIES:
  Net decrease in interest-bearing deposits in banks         253,102               2,787
  Proceeds from sales of securities available-for-sale     2,064,519
  Proceeds from maturities and calls of securities
    held-to-maturity                                               -              25,000
  Proceeds from maturities and calls of securities
    available-for-sale                                     9,715,737          10,704,344
  Purchases of securities available-for-sale              (7,683,611)        (27,037,460)
  Purchases of securities held-to-maturity                (2,031,305)         (2,092,845)
  Loan originations, net of repayments                   (23,945,440)        (12,516,626)
  Purchases of premises and equipment                     (1,566,015)         (2,524,357)
  Proceeds from sales of premises and equipment               10,250              25,000
  Proceeds from sales of other real estate owned             131,211              58,724
  Purchase of insurance premium financing company                  -          (3,503,497)
						       _____________        ____________

NET CASH USED IN INVESTING ACTIVITIES                    (23,051,552)        (36,858,930)
						       _____________        ____________

CASH FLOWS FROM FINANCING ACTIVITIES:
  Net increase in deposits                                22,852,905          10,289,634
  Net (decrease) increase in securities sold under repurchase
    agreements and federal funds purchased                   683,854           2,302,514
  Increase in other borrowings                                     -          12,000,000
  Issuance of notes payable                                1,340,000              75,000
  Repayments of notes payable                               (320,780)           (223,071)
  Proceeds from issuance of common stock                           -             279,480
  Payment of dividends                                      (481,803)           (467,333)
  Returned of preferred stock                               (264,000)             17,500
						       _____________        ____________

NET CASH PROVIDED BY FINANCING ACTIVITIES                 23,810,176          24,273,724

NET DECREASE IN CASH & CASH EQUIVALENTS                    4,266,329          (9,034,538)

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

CASH & CASH EQUIVALENTS AT END OF PERIOD                 $18,754,019         $11,568,998
						       =============        ============


</TABLE>

				   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 September 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 nine month periods
      ended September 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
      losses is as follows:

						Nine Months Ended
						  September 30,
					      2000            1999
					   __________      __________

       Balance at beginning of period      $1,967,327      $1,860,490
	 Provision for loan losses            595,080         678,050
	 Recoveries                            99,788         109,387
	 Loans charged off                   (481,478)       (700,542)
					   __________      __________
       Balance at end of period            $2,180,717      $1,947,385
					   ==========      ==========

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
     nine months ended September 30, 2000 and 1999.



					     2000            1999
					   __________      __________
	   Net income                      $2,135,358      $1,977,683
	   Other comprehensive income
	      (losses), net of tax            424,480        (675,350)
					   __________      __________

	   Total comprehensive income      $2,559,838      $1,302,333
					   ==========      ==========


				    8

<PAGE>

4.  IMPACT OF NEW ACCOUNTING STANDARD

     In June 1998, the Financial Accounting Standards Board issued SFAS
     No. 133, "Accounting for Derivative Instruments and Hedging
     Activities" which establishes accounting and reporting standards
     for derivative instruments, including certain derivative instruments
     embedded in other contracts and for hedging activites.  Under this
     Statement, a company that elects to apply hedge accounting is
     required to establish at the inception of the hedge the method it
     will use for assessing the effectiveness of the hedging derivative
     and the measurement approach for determining the ineffective aspect
     of the hedge.  At the date of initial application, a company may
     transfer any held-to-maturity security into the available-for-sale
     category or the trading category.  A company will then be able in
     the future to designate a security transferred into the available-
     for-sale category as the hedged item.  The unrealized holding gain
     or loss on a held-to-maturity security transferred to another category
     at the date of the initial application will be reported in net income
     or accumulated other comprehensive income consistent with the re-
     quirements of SFAS 115.  Such transfers from the held-to-maturity
     category at the date of initial adoption will not call into question
     a company's intent to hold other debt securities to maturity in the
     future.

     SFAS No. 133 applies to all entities and is effective for all fiscal
     quarters of fiscal years beginning after June 15, 2000.  Earlier
     adoption of the Statement is permitted.  MidSouth expects to adopt
     this accounting standard on January 1, 2001 and does not expect the
     adoption of SFAS 133 will have a material impact upon its financial
     condition, results of operations or cash flows.






<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's third quarter 2000 net income increased 12%
over the third quarter of 1999.  Net income totaled
$795,531 for the third quarter of 2000, compared to
$712,976 for the third quarter of 1999.  Income available to
common shareholders for the third quarter of 2000 before a
reduction of $107,250 resulting from the repurchase of
11,000 shares of preferred stock, was $762,878 as
compared to $680,328 for the third quarter of 1999.  The
$107,250 reduction reflected the excess over book value of
the purchase price of the preferred stock.  Before the effect
of the $107,250 charge, basic and diluted earnings per
common share for the quarter ended September 30, 2000
were $.31 and $.27 per common share, respectively, and for
the nine months ended September 30, 2000, basic earnings
per common share were $.82 and diluted earnings per
common share were $.72.  Net income for the nine months
ended September 30, 2000 was $2,135,358, compared to
$1,977,683 reported for the nine months ended September
30, 1999.

In both quarterly and year-to date comparisons, net interest
income increased due to a higher volume of earning assets.
 Non-interest income increased 9% in quarterly comparison
and 14% in year-to-date comparison, primarily due to
service charges on deposit accounts and mortgage loan
processing fees.  The increased net interest and non-interest
income was substantially offset by increases in non-interest
expense for the three and nine month periods ended
September 30, 2000 as compared to the same periods ended
September 30, 1999. Increases were recorded primarily in
salaries and benefits, occupancy, and data processing
expenses.  These increases reflect the addition of three
banking offices to MidSouth's extensive branch network in
the past twelve months, and the addition of the NetBanking
product in the second quarter of 2000.  NetBanking offers
MidSouth's customers online access to their accounts and
bill paying services 7 days a week, 24 hours a day.

MidSouth ended the third quarter of 2000 with total
consolidated assets of $303.2 million, a $27.4 million or
10% increase over assets of $275.8 million at the end of the
third quarter of 1999.  Total deposits increased $34.3
million or 14%, and totaled $274.5 million at September
30, 2000 compared to $240.2 million at September 30,
1999.

Loans, net of Allowance for Loan Loss ("ALL"), increased
$23.4 million or 14%, from $168.2 million at September
30, 1999 to $191.6 million at September 30, 2000.
Provisions for loan losses increased $27,627 in quarterly
comparison, but year-to-date comparison reflected a
decrease of $82,970.  Nonperforming loans as a percentage
of total loans decreased from .15% as of September 30,
1999 to .08% as of September 30, 2000.  Total
nonperforming assets decreased $48,641, from $662,521 at
September 30, 1999 to $613,880 at September 30, 2000.


			      9


<PAGE>


The ALL represented 315.71% of nonperforming assets at
September 30, 1999, compared to 355.24% at September
30, 2000.

MidSouth's leverage ratio was 6.31% for the quarter ended
September 30, 2000, compared to 6.10% for the quarter
ended September 30, 1999.  Return on average common
equity, before the effect of the $107,250 charge, was
19.27% for the third quarter of 2000 compared to 18.37%
for the third quarter of 1999.

Earnings Analysis

Net Interest Income

Average earning assets increased 8%, or $19.9 million,
from $248.0 million for the three months ended September
30, 1999 to $267.9 million for the three months ended
September 30, 2000.  The mix of earning assets shifted
from 66% of average earning assets in loans for the third
quarter of 1999 up to 71% in the third quarter of 2000.  The
average yield on loans increased 48 basis points, from
10.12% to 10.60% at September 30, 2000.  Yields
increased due to changes in the prime lending rate over the
past twelve months.  New York Prime increased 125 basis
points from 8.25% at September 30, 1999 to 9.50% at
September 30, 2000.  Market competition for quality
credits held commercial loan yields to a 30 basis point
increase, while consumer loan yields increased 134 basis
points in quarterly comparison.

Average investment volume declined $4.8 million, from
$82.5 million at September 30, 1999 to $77.7 million at
September 30, 2000 as a greater portion of available funds
were used to fund increased loan demand.  The average
taxable-equivalent yield on investments increased 40 basis
points from at 6.29% at September 30, 1999 to 6.69% at
September 30, 2000.

The increase in average loan volume as a percentage of
average earning assets combined with improved yields
increased the taxable-equivalent yield on quarterly average
earning assets 61 basis points, from 8.83% for the third
quarter of 1999 to 9.44% for the third quarter of 2000.

An average volume increase of  $17.0 million in interest-
bearing liabilities resulted in increased interest expense for
the quarter ended September 30, 2000 compared to the
quarter ended September 30, 1999.  In addition, the average
rate paid on interest-bearing liabilities increased 73 basis
points, from 4.01% at September 30, 1999 to 4.74% at
September 30, 2000.  The percentage of average interest-
bearing deposits to average total deposits remained stable at
76% at September 30, 2000, up 1% from 75% at September 30, 1999.

The net effect of changes in rate, volume and mix of
average earning assets and interest-bearing liabilities
increased net interest income $219,322 in quarterly
comparison.  The net taxable-equivalent yield on average
earning assets remained stable with a 2 basis points
increase, from 5.68% for the quarter ended September 30,
1999 to 5.70% for the quarter ended September 30, 2000.


			     10

<PAGE>



Review of the changes in the volume and yields of average
earning assets and interest-bearing liabilities between the
two nine month periods ended September 30, 2000 and
1999 reflected results similar to the quarterly comparison.
The net taxable-equivalent yield on average earning assets
for the nine months ended September 30, 2000 increased 23
basis points from 5.49% at September 30, 1999 to 5.72% at
September 30, 2000.  The improvement in net yield on
earning assets resulted in increased net interest income of
$954,796 between the two nine month periods reviewed.

Non-interest Income

MidSouth's primary source of non-interest income, service
charges on deposit accounts, increased $66,890 for the
three months and $210,019 for the nine months ended
September 30, 2000 as compared to the same periods for
1999.  The increases resulted primarily from additional
service charge income due to a higher volume of accounts
serviced.

Other non-interest income, excluding gains on sales of
securities and credit life insurance, increased $19,971 in
quarterly comparison and $97,412 in year-to-date comparison.  A
mortgage origination program with a third party processor
contributed $17,384 to the increase for the quarter and
$31,750 for the nine months ended September 30, 2000.
VISA merchant and debit card income increased
significantly in 2000, however, expenses associated with
these programs also increased, offsetting the income.
Income from the sale of credit life insurance decreased
$4,977 for the quarter and increased $79,412 for the nine
months period ended September 30, 2000 as compared to
the same periods ended September 30, 1999.

Non-interest Expense

Non-interest expense increased  $192,405 for the three
months and $1,213,996 for the nine months ended
September 30, 2000 compared to the three and nine months
ended September 30, 1999.   Increases were recorded
primarily in the categories of salaries and employee
benefits, occupancy, and data processing expenses due
to the addition of three new offices over the past twelve
months.  These increases reflect MidSouth's long term
investment in staff development, system upgrades and
market penetration.

Balance Sheet Analysis

MidSouth ended the third quarter of 2000 with consolidated
assets of  $303,226,581, an increase of  $26.5 million or
9.60% from the $276,723,841 reported for December 31,
1999.  Deposits increased over the nine months ended
September 30, 2000 by $22.9 million to $274,543,111.
Most of the growth in deposits was in interest-bearing
deposits, primarily money market indexed accounts.



			    11

<PAGE>




MidSouth's loan portfolio grew $23.3 million in the nine
months ended September 30, 2000, with the majority of the
increase in commercial and real estate loans.  Securities
available-for-sale decreased $3.5 million, from $55.7
million at December 31, 1999 to $52.2 million at
September 30, 2000.  The decrease reflects sales of $2.1
million, purchases of $ 7.7 million and maturities and principal
paydowns of $9.7 million, partially offset by an improvement
in market valuation.  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 deferred
taxes, were $523,950 at September 30, 2000, compared to net
unrealized losses 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.

Capital

As of September 30, 2000, MidSouth's leverage ratio was
6.31% as compared to 6.23% at December 31, 1999.  Tier 1
capital to risk-weighted assets was 8.97% and total capital
to risk-weighted assets was 10.02% at the end of the third
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%.



			     12

<PAGE>




Nonperforming Assets and Past Due Loans
Table 1 summarizes MidSouth's nonaccrual, past due and
restructured loans and nonperforming assets.


<TABLE>
<CAPTION>


			    TABLE 1

		    Nonperforming Assets and

		     Loans Past Due 90 Days


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

			   September      December          September
			      30,            31,                30,
			     2000           1999               1999
========================================================================

<S>                        <C>             <C>               <C>
Nonperforming loans

   Nonaccrual loans        $ 157,106       $ 234,962         $ 247,777


Other real estate owned,
   net                       456,774         569,963           369,049

Other assets repossessed           -          31,755            45,695
			   ___________________________________________

Total nonperforming
  assets                   $ 613,880       $ 836,680         $ 662,521
			   ===========================================


Loans past due 90 days

Or more and still
  accruing                  $ 606,671       $ 793,823         $ 605,510


Nonperforming loans as a
  % of total loans               .08%           0.14%             0.15%



Nonperforming assets as a
  % of total loans,
  other real Estate owned
  and other assets
  Repossessed                    0.32%           0.49%             0.39%



ALL as a % of non-
  performing loans and
  other real estate
  owned                        355.24%         235.13%           315.71%

</TABLE>

				  13

<PAGE>



Nonperforming assets were $613,880 as of September 30,
2000, a decrease of $222,800 from the $836,680 reported
for December 31, 1999 and a decrease of $48,641 from the
$662,521 reported for September 30, 1999.  Loans past due
90 days or more increased from $605,510 in September 1999
to $793,823 in December 1999 and then declined again
$606,671 as of September 30, 2000.  Of the $606,671 in
loans past due 90 days or more, $115,388 were funded by
the Finance Company.

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
$2,180,717 in the reserve as of September 30, 2000 is
sufficient to cover potential losses in nonperforming assets
and in the loan portfolio.  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.


				   14

<PAGE>



Item 6.  Exhibits and Reports on Form 8-K               Page 15

(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 16


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:  November 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