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| UNITED                STATESSECURITIES                AND EXCHANGE COMMISSION**WASHINGTON,                D.C. 20549**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
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| **FORM                10Q**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
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| x QUARTERLY                REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE                                                                 SECURITIES EXCHANGE ACT OF 1934                                                                 For the quarterly period ended **March                31, 2007****                                                                                               **OR¨ TRANSITION                REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE                                                                 SECURITIES EXCHANGE ACT OF 1934                                                                For the transition period from _____ to _____ |
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| **COMMISSION                FILE NUMBER 1-11826****MIDSOUTH                BANCORP, INC****.**(Exact                name of registrant as specified in its charter)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
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| **Louisiana**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | **72                -1020809** |
| (State                of other jurisdiction of incorporation or organization)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | (I.R.S.                Employer Identification No.) |
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|                                                              102 Versailles Boulevard, Lafayette, Louisiana 70501** **(Address                of principal executive offices, including zip code)**(337)                237-8343**(Registrant’s                telephone number, including area code)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
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| 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   ¨                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
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| Indicate                by check mark whether the registrant is a large accelerated filer,                an                accelerated filer, or a non-accelerated filer.                                       Large                accelerated filer ¨ Accelerated                filer x Non-accelerated                filer ¨                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
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| Indicate                by check mark whether the registrant is a shell company (as defined                in                Rule 12b-2 of the Act.)                                      YES   ¨   NO   x                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
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| As                of May 1, 2007, there were 6,271,390 shares of the registrant’s Common                Stock, par value $0.10 per share, outstanding.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |

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| Part                  I - Financial Information                                                                                                   | 3  |
|---------------------------------------------------------------------------------------------------------------------------------------------------|----|
| Item                  1. Financial Statements.                                                                                                    | 3  |
| Consolidated                  Statements of                  Condition                                                                            | 3  |
| Consolidated                  Statements of                  Earnings                                                                             | 4  |
| Consolidated                  Statements of Comprehensive                  Income                                                                 | 5  |
| Consolidated                  Statement of Stockholders’                  Equity                                                            | 6  |
| Consolidated                  Statements of Cash Flows                                                                                            | 7  |
| Notes                  to Interim Consolidated Financial                  Statements                                                              | 8  |
| Item                  2. Management’s Discussion and Analysis of Financial Condition and Results                  of   Operation. | 11 |
| Forward                  Looking Statements                                                                                                       | 11 |
| Critical                  Accounting Policies                                                                                                     | 11 |
| Results                  of Operations                                                                                                            | 12 |
| Earnings                  Analysis                                                                                                                | 13 |
| Net                  Interest Income                                                                                                              | 13 |
| Non-Interest                  Income                                                                                                              | 15 |
| Non-Interest                  Expenses                                                                                                            | 16 |
| Analysis                  of Statement of                  Condition                                                                              | 16 |
| Liquidity                                                                                                                                         | 17 |
| Capital                                                                                                                                           | 17 |
| Asset                  Quality                                                                                                                    | 17 |
| Credit                  Risk Management                                                                                                           | 17 |
| Nonperforming                  Assets and Loans Past Due 90 Days                  and Over                                                        | 17 |
| Impact                  of Inflation and Changing                  Prices                                                                         | 19 |
| Item                  3. Quantitative and Qualitative Disclosures About                  Market Risk.                                             | 19 |
| Item                  4. Controls and Procedures.                                                                                                 | 19 |
| Part                  II - Other Information                                                                                                      | 19 |
| Item                  1. Legal Proceedings.                                                                                                       | 19 |
| Item                  1A. Risk Factors.                                                                                                           | 19 |
| Item                  2. Unregistered Sales of Equity Securities and Use of                  Proceeds.                                            | 20 |
| Item                  3. Defaults Upon Senior                  Securities.                                                                        | 20 |
| Item                  4. Submission of Matters to a Vote of Security                  Holders.                                                    | 20 |
| Item                  5. Other Information.                                                                                                       | 20 |
| Item                  6. Exhibits.                                                                                                                | 20 |
| Signatures                                                                                                                                        | 21 |

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*Table            of Contents*

**Part          I - Financial Information**

**Item          1. Financial Statements.**

| **MidSouth                    Bancorp, Inc. and Subsidiaries**                                                                                                                                                                                                                           | ** ** |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------|
| **C****onso****lidated                    Statements                    of Condition**                                                                                                                                                                                              |       |
|                                                                                                                                                                                                                                                                                     |       | **March                    31,****2007****(unaudited)** |   | **December                    31, 2006****(audited)** |   |
| **Assets**                                                                                                                                                                                                                                                                               |       |   |   |   |   |
| Cash                    and due from banks                                                                                                                                                                                                                                               |       | $ | 24,501,529 |   | $ | 30,564,604 |   |
| Federal                    funds sold and interest bearing deposits in banks                                                                                                                                                                                                             |       |   | 30,525,775 |   |   | 26,839,737 |   |
| Total                    cash and cash equivalents                                                                                                                                                                                                                                       |       |   | 55,027,304 |   |   | 57,404,341 |   |
| Securities                    available-for-sale, at fair value (cost of $183,478,372 at March                    31, 2007                    and $181,973,949 at December 31, 2006)                                                                                                     |       |   | 182,285,279 |   |   | 180,673,747 |   |
| Securities                    held-to-maturity (estimated fair value of $13,622,099 at March                    31, 2007                    and $16,166,937 at December 31, 2006)                                                                                                        |       |   | 13,403,631 |   |   | 15,900,611 |   |
| Loans,                    net of allowance for loan losses of $4,899,937 at March 31, 2007                    and                    $4,976,857 at December 31, 2006                                                                                                                     |       |   | 505,660,633 |   |   | 494,068,845 |   |
| Other                    investments                                                                                                                                                                                                                                                     |       |   | 2,525,075 |   |   | 2,501,150 |   |
| Accrued                    interest receivable                                                                                                                                                                                                                                           |       |   | 5,237,049 |   |   | 5,491,730 |   |
| Bank                    premises and equipment, net                                                                                                                                                                                                                                      |       |   | 31,487,509 |   |   | 30,609,332 |   |
| Goodwill                    and intangibles                                                                                                                                                                                                                                              |       |   | 9,904,950 |   |   | 9,957,364 |   |
| Cash                    surrender value of life insurance                                                                                                                                                                                                                                |       |   | 4,101,662 |   |   | 4,068,116 |   |
| Other                    assets                                                                                                                                                                                                                                                          |       |   | 5,026,942 |   |   | 4,346,450 |   |
| Total                    assets                                                                                                                                                                                                                                                          |       | $ | 814,660,034 |   | $ | 805,021,686 |   |
|                                                                                                                                                                                                                                                                                     |       |   |   |   |   |   |   |
| **Liabilities                    and Stockholders’ Equity**                                                                                                                                                                                                                        |       |   |   |   |   |   |   |
| Liabilities:                                                                                                                                                                                                                                                                             |       |   |   |   |   |   |   |
| Deposits:                                                                                                                                                                                                                                                                                |       |   |   |   |   |   |   |
| Non-interest                    bearing                                                                                                                                                                                                                                                  |       | $ | 180,435,459 |   | $ | 182,595,931 |   |
| Interest                    bearing                                                                                                                                                                                                                                                      |       |   | 548,403,814 |   |   | 533,583,610 |   |
| Total                    deposits                                                                                                                                                                                                                                                        |       |   | 728,839,273 |   |   | 716,179,541 |   |
| Securities                    sold under repurchase agreements                                                                                                                                                                                                                           |       |   | 4,791,194 |   |   | 4,474,786 |   |
| Federal                    Home Loan Banks advances                                                                                                                                                                                                                                      |       |   | - |   |   | 5,650,000 |   |
| Accrued                    interest payable                                                                                                                                                                                                                                              |       |   | 971,119 |   |   | 1,196,822 |   |
| Junior                    subordinated debentures                                                                                                                                                                                                                                        |       |   | 15,465,000 |   |   | 15,465,000 |   |
| Other                    liabilities                                                                                                                                                                                                                                                     |       |   | 2,917,073 |   |   | 2,312,061 |   |
| Total                    liabilities                                                                                                                                                                                                                                                     |       |   | 752,983,659 |   |   | 745,278,210 |   |
| Stockholders’                    Equity:                                                                                                                                                                                                                                           |       |   |   |   |   |   |   |
| Common                    stock, $0.10 par value- 10,000,000 shares authorized, 6,393,580                    and                    6,355,946 issued and 6,271,390 and 6,236,989 outstanding at March                    31, 2007                    and December 31, 2006, respectively |       |   | 639,358 |   |   | 635,595 |   |
| Surplus                                                                                                                                                                                                                                                                                  |       |   | 43,256,120 |   |   | 42,907,597 |   |
| Unearned                    ESOP shares                                                                                                                                                                                                                                                  |       |   | (222,246 | ) |   | (251,259 | ) |
| Accumulated                    other comprehensive income                                                                                                                                                                                                                                |       |   | (787,441 | ) |   | (858,133 | ) |
| Treasury                    stock- 122,190 shares at March 31, 2007 and 118,957 shares at                    December 31,                    2006, at cost                                                                                                                               |       |   | (2,610,838 | ) |   | (2,518,411 | ) |
| Retained                    earnings                                                                                                                                                                                                                                                     |       |   | 21,401,422 |   |   | 19,828,087 |   |
| Total                    stockholders’ equity                                                                                                                                                                                                                                      |       |   | 61,676,375 |   |   | 59,743,476 |   |
| Total                    liabilities and stockholders’ equity                                                                                                                                                                                                                      |       | $ | 814,660,034 |   | $ | 805,021,686 |   |
|                                                                                                                                                                                                                                                                                     |       |   |   |   |   |   |   |
| See                    notes to unaudited consolidated financial statements.                                                                                                                                                                                                             |       |   |   |   |   |   |   |

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*Table              of Contents*

| **MidSouth                    Bancorp, Inc. and Subsidiaries**                      |   |
|-------------------------------------------------------------------------------------|--------|
| **Consolidated                    Statements of Earnings**** ****(unaudited)** |   |
|                                                                                |   | **Three                    Months Ended March 31,** |   |
|                                                                                |   | **2007** |   |   | **2006** |   |
| Interest                    income:                                                 |   |   |   |   |   |   |
| Loans,                    including fees                                            | $      | 10,993,865 |   | $ | 8,964,364 |   |
| Securities:                                                                         |   |   |   |   |   |   |
| Taxable                                                                             |   | 980,536 |   |   | 917,341 |   |
| Nontaxable                                                                          |   | 1,016,138 |   |   | 723,714 |   |
| Federal                    funds sold                                               |   | 429,928 |   |   | 405,892 |   |
| Other                    interest income                                            |   | 21,544 |   |   | 24,002 |   |
| Total                    interest income                                            |   | 13,442,011 |   |   | 11,035,313 |   |
|                                                                                |   |   |   |   |   |   |
| Interest                    expense:                                                |   |   |   |   |   |   |
| Deposits                                                                            |   | 4,682,230 |   |   | 3,303,913 |   |
| Securities                    sold under repurchase agreements                      |   | 75,721 |   |   | 20,032 |   |
| Junior                    subordinated debentures                                   |   | 330,226 |   |   | 314,149 |   |
| Total                    interest expense                                           |   | 5,088,177 |   |   | 3,638,094 |   |
|                                                                                |   |   |   |   |   |   |
| Net                    interest income                                              |   | 8,353,834 |   |   | 7,397,219 |   |
| Provision                    for loan losses                                        |   | - |   |   | 320,000 |   |
| Net                    interest income after provision for loan losses              |   | 8,353,834 |   |   | 7,077,219 |   |
|                                                                                |   |   |   |   |   |   |
| Non-interest                    income:                                             |   |   |   |   |   |   |
| Service                    charges on deposits                                      |   | 2,306,183 |   |   | 1,926,598 |   |
| Other                    charges and fees                                           |   | 940,953 |   |   | 916,001 |   |
| Total                    non-interest income                                        |   | 3,247,136 |   |   | 2,842,599 |   |
|                                                                                |   |   |   |   |   |   |
| Non-interest                    expenses:                                           |   |   |   |   |   |   |
| Salaries                    and employee benefits                                   |   | 4,786,564 |   |   | 3,785,751 |   |
| Occupancy                    expense                                                |   | 1,715,252 |   |   | 1,486,455 |   |
| Other                                                                               |   | 2,577,234 |   |   | 2,223,940 |   |
| Total                    non-interest expense                                       |   | 9,079,050 |   |   | 7,496,146 |   |
|                                                                                |   |   |   |   |   |   |
| Income                    before income taxes                                       |   | 2,521,920 |   |   | 2,423,672 |   |
| Provision                    for income taxes                                       |   | 575,677 |   |   | 605,152 |   |
|                                                                                |   |   |   |   |   |   |
| Net                    earnings                                                     | $      | 1,946,243 |   | $ | 1,818,520 |   |
|                                                                                |   |   |   |   |   |   |
| Earnings                    per share:                                              |   |   |   |   |   |   |
| Basic                                                                               | $      | 0.31 |   | $ | 0.30 |   |
| Diluted                                                                             | $      | 0.31 |   | $ | 0.29 |   |
|                                                                                |   |   |   |   |   |   |
| See                    notes to unaudited consolidated financial statements.        |   |   |   |   |   |   |

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*Table              of Contents*

| **MidSouth                    Bancorp, Inc. and Subsidiaries**                                                                                                                                                   |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
| **Consolidated                    Statements of Comprehensive                    Income**** ****(unaudited)**                                                                                               |   |
|                                                                                                                                                                                                             |   | **Three                    Months Ended March 31,** |   |
|                                                                                                                                                                                                             |   | **2007** |   |   | **2006** |   |
| Net                    earnings                                                                                                                                                                                  | $      | 1,946,243 |   | $ | 1,818,520 |   |
| Other                    comprehensive income (loss), net of tax                                                                                                                                                 |   |   |   |   |   |   |
| Unrealized                    losses on securities available-for-sale:                                                                                                                                           |   |   |   |   |   |   |
|                         Unrealized holding gains (losses) arising during the year, net                    of income                    tax (benefit) of $23,511 and ($259,408), respectively |   | 70,692 |   |   | (532,605 | ) |
| Total                    other comprehensive income (loss)                                                                                                                                                       |   | 70,692 |   |   | (532,605 | ) |
| Total                    comprehensive income                                                                                                                                                                    | $      | 2,016,935 |   | $ | 1,285,915 |   |

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*Table              of Contents*

| **MidSouth                    Bancorp, Inc. and Subsidiaries**                                                          |   |
|-------------------------------------------------------------------------------------------------------------------------|--------|
| **Consolidated                    Statement of Stockholders’                    Equity**** ****(unaudited)** |   |
| **For                    the Three Months Ended March 31, 2007**                                                        |   |
|                                                                                                                    |   | **                                  Common Stock****        Shares                                Amount** |   | **Surplus** |   | **ESOP                    obligation** |   | **Unrealized                    gains (losses) on securities AFS, net** |   | **Treasury                    Stock** |   | **Retained                    Earnings** |   | **Total** |   |
| Balance-                    January 1, 2007                                                                             |   |   | 6,355,946 |   | $ | 635,595 |   | $ | 42,907,597 |   | $ | (251,259 | ) | $ | (858,133 | ) | $ | (2,518,411 | ) | $ | 19,828,087 |   | $ | 59,743,476 |   |
| Dividends                    on common stock, $0.06 per share                                                           |   |   | - |   |   | - |   |   | - |   |   | - |   |   | - |   |   | - |   |   | (372,908 | ) |   | (372,908 | ) |
| Exercise                    of stock options                                                                            |   |   | 37,634 |   |   | 3,763 |   |   | 183,503 |   |   | - |   |   | - |   |   | - |   |   | - |   |   | 187,266 |   |
| Tax                    benefit resulting from exercise of stock options                                                 |   |   | - |   |   | - |   |   | 109,221 |   |   | - |   |   | - |   |   | - |   |   | - |   |   | 109,221 |   |
| Purchase                    of treasury stock                                                                           |   |   | - |   |   | - |   |   | - |   |   | - |   |   | - |   |   | (92,427 | ) |   | - |   |   | (92,427 | ) |
| Net                    earnings                                                                                         |   |   | - |   |   | - |   |   | - |   |   | - |   |   | - |   |   | - |   |   | 1,946,243 |   |   | 1,946,243 |   |
| ESOP                    obligation, net of repayments                                                                   |   |   | - |   |   | - |   |   | - |   |   | 29,013 |   |   | - |   |   | - |   |   | - |   |   | 29,013 |   |
| Excess                    of market value over book value of ESOP shares released, net                    adjustment    |   |   | - |   |   | - |   |   | 31,250 |   |   | - |   |   | - |   |   | - |   |   | - |   |   | 31,250 |   |
| Net                    change in unrealized gains on securities AFS, net of taxes                                       |   |   | - |   |   | - |   |   | - |   |   | - |   |   | 70,692 |   |   | - |   |   | - |   |   | 70,692 |   |
| Stock                    option expense                                                                                 |   |   | - |   |   | - |   |   | 24,549 |   |   | - |   |   | - |   |   | - |   |   | - |   |   | 24,549 |   |
| Balance-                    March 31, 2007                                                                              |   |   | 6,393,580 |   | $ | 639,358 |   | $ | 43,256,120 |   | $ | (222,246 | ) | $ | (787,441 | ) | $ | (2,610,838 | ) | $ | 21,401,422 |   | $ | 61,676,375 |   |

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*Table              of Contents*

| **MidSouth                    Bancorp, Inc. and Subsidiaries**                                                          |   |
|-------------------------------------------------------------------------------------------------------------------------|--------|
| **Consolidated                    Statements of Cash Flows**** ****(unaudited)**                                   |
|                                                                                                                    |   | **For                    the Three Months Ended March 31,** |   |
|                                                                                                                    |   | **2007** |   |   | **2006** |   |
| Cash                    flows from operating activities:                                                                |   |   |   |   |   |   |
| Net                    earnings                                                                                         | $      | 1,946,243 |   | $ | 1,818,520 |   |
| Adjustments                    to reconcile net income to net cash provided by operating                    activities: |   |   |   |   |   |   |
| Depreciation                                                                                                            |   | 688,140 |   |   | 642,697 |   |
| Provision                    for loan losses                                                                            |   | - |   |   | 320,000 |   |
| Deferred                    income tax benefit                                                                          |   | (83,896 | ) |   | (501 | ) |
| Amortization                    of premiums on securities, net                                                          |   | 159,230 |   |   | 185,997 |   |
| Net                    gain on sale of premises and equipment                                                           |   | (4,807 | ) |   | - |   |
| Net                    loss on sale of other real estate owned                                                          |   | 17,849 |   |   | - |   |
| Impairment                    on premises and equipment                                                                 |   | 13,637 |   |   | - |   |
| Stock                    option compensation expense                                                                    |   | 24,549 |   |   | - |   |
| Change                    in accrued interest receivable                                                                |   | 254,681 |   |   | 272,055 |   |
| Change                    in accrued interest payable                                                                   |   | (225,703 | ) |   | (147,144 | ) |
| Other,                    net                                                                                           |   | (51,628 | ) |   | 143,035 |   |
| Net                    cash provided by operating activities                                                            | $      | 2,738,295 |   | $ | 3,234,659 |   |
|                                                                                                                    |   |   |   |   |   |   |
| Cash                    flows from investing activities:                                                                |   |   |   |   |   |   |
| Proceeds                    from maturities and calls of securities held-to-maturity                                    | $      | 2,500,000 |   | $ | 1,249,650 |   |
| Proceeds                    from maturities and calls of securities available-for-sale                                  |   | 8,245,043 |   |   | 8,440,298 |   |
| Purchases                    of securities available-for-sale                                                           |   | (9,911,640 | ) |   | (35,422,672 | ) |
| Purchases                    of other investments                                                                       |   | (24,000 | ) |   | (331,550 | ) |
| Loan                    originations, net of repayments                                                                 |   | (11,705,589 | ) |   | (8,739,380 | ) |
| Purchase                    of premises and equipment                                                                   |   | (1,577,793 | ) |   | (3,956,978 | ) |
| Proceeds                    from sale of premises and equipment                                                         |   | 55,060 |   |   | - |   |
| Proceeds                    from sales of other real estate owned                                                       |   | 334,716 |   |   | 89,077 |   |
| Net                    cash used in investing activities                                                                | $      | (12,084,203 | ) | $ | (38,671,555 | ) |
|                                                                                                                    |   |   |   |   |   |   |
| Cash                    flows from financing activities:                                                                |   |   |   |   |   |   |
| Change                    in deposits                                                                                   | $      | 12,659,732 |   | $ | 49,440,712 |   |
| Change                    in repurchase agreements                                                                      |   | 316,408 |   |   | 1,179,026 |   |
| Repayments                    of FHLB advances                                                                          |   | (13,013,000 | ) |   | - |   |
| Proceeds                    from FHLB advances                                                                          |   | 7,363,000 |   |   | - |   |
| Purchase                    of treasury stock                                                                           |   | (92,427 | ) |   | (321,881 | ) |
| Payment                    of dividends on common stock                                                                 |   | (561,329 | ) |   | (593,574 | ) |
| Proceeds                    from exercise of stock options                                                              |   | 296,487 |   |   | 44,757 |   |
| Net                    cash provided by financing activities                                                            | $      | 6,968,871 |   | $ | 49,749,040 |   |
|                                                                                                                    |   |   |   |   |   |   |
| Net                    (decrease) increase in cash and cash equivalents                                                 | $      | (2,377,037 | ) | $ | 14,312,144 |   |
|                                                                                                                    |   |   |   |   |   |   |
| Cash                    and cash equivalents, beginning of quarter                                                      |   | 57,404,341 |   |   | 52,437,002 |   |
|                                                                                                                    |   |   |   |   |   |   |
| Cash                    and cash equivalents, end of quarter                                                            | $      | 55,027,304 |   | $ | 66,749,146 |   |
|                                                                                                                    |   |   |   |   |   |   |
| See                    notes to unaudited consolidated financial statements.                                            |   |   |   |   |   |   |

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*Table              of Contents*

| **MidSouth                    Bancorp, Inc. and Subsidiaries**                               |   |
|----------------------------------------------------------------------------------------------|--------|
| **Notes                    to Interim Consolidated Financial                    Statements** |   |
| **March                    31, 2007**                                                        |   |
| **(Unaudited)**                                                                              |   |

***1.***
***Basis          of Presentation***

***Use          of Estimates***

***Summary          of Significant Accounting Policies***

***Recent          Accounting Pronouncements—***
*Accounting          for Uncertainty in Income Taxes*

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*Table              of Contents*

*Fair          Value Measurements*

*The          Fair Value Option for Financial Assets and Financial          Liabilities*

*Accounting          for Purchases of Life Insurance — Determining the Amount that Could Be Realized          in Accordance with FASB Technical Bulletin 85-4*

***2.***
***Allowance          for Loan Losses***

|                                            |   | **Three                    Months Ended March                    31,**  |
|-------------------------------------------------|--------|------------------------------------------------------------------------------|
|                                            |   |                                                                         | **2007** |   |   | **2006** |   |
| Balance,                    beginning of period |   | $                                                                            | 4,977 |   | $ | 4,355 |   |
| Provision                    for loan losses    |   |                                                                         | - |   |   | 320 |   |
| Recoveries                                      |   |                                                                         | 18 |   |   | 109 |   |
| Loans                    charged-off            |   |                                                                         | (95 | ) |   | (132 | ) |
| Balance,                    end of period       |   | $                                                                            | 4,900 |   | $ | 4,652 |   |

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*Table              of Contents*

***3.***
***Earnings          Per Common Share***

|                                                                                                                                                                                                      |   | ** Three                    Months Ended March                    31,** |     |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------------------------------------------------------|----------|
|                                                                                                                                                                                                 |   |                                                                         | **2007** |   |   | **2006** |   |
| Net                    earnings                                                                                                                                                                      |   | $                                                                            | 1,946    |   | $ | 1,818 |   |
| Weighted                    average number of common shares outstanding used in computation                    of basic                    earnings per common share                                 |   |                                                                         | 6,240    |   |   | 6,177 |   |
| Effect                    of dilutive securities:Stock                    options                                                                                                                    |   |                                                                         | 90       |   |   | 173 |   |
| Weighted                    average number of common shares outstanding plus effect of dilutive                    securities - used in computation of diluted earnings per                    share |   |                                                                         | 6,330    |   |   | 6,350 |   |

***4.***
***Declaration          of Dividends***

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*Table              of Contents*

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

*Forward          Looking Statements*

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

|   | · | 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 new                    markets; |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

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

|   | · | 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. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------|

*Critical          Accounting Policies*

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*Table              of Contents*

*Goodwill          and Other Intangible Assets*

*Share-Based          Payment*

*Results          of Operations*

** **

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*Table              of Contents*

*Earnings          Analysis*

Interest Income

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*Table              of Contents*

| **Table                    1**                                                                            |   |
|-----------------------------------------------------------------------------------------------------------|--------|
| **Consolidated                    Average Balances, Interest and Rates**(in                    thousands) |   |
|                                                                                                      |   | **Three                    Months Ended March 31,** |
|                                                                                                      |   | **2007** |   |   | **2006** |
|                                                                                                      |   |   | **Average                    Volume** |   |   | **Interest** |   |   | **Average****Yield/Rate** |   |   |   |   | **Average****Volume** |   |   | **Interest** |   |   | **Average****Yield/Rate** |   |
| Assets                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Investment                    securities and interest                    bearing deposits:1               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Taxable                                                                                                   |   | $ | 85,373 |   | $ | 981 |   |   | 4.60 | % |   |   | $ | 85,638 |   | $ | 917 |   |   | 4.28 | % |
| Tax                    exempt2                                                                            |   |   | 109,859 |   |   | 1,435 |   |   | 5.22 | % |   |   |   | 81,630 |   |   | 1,020 |   |   | 5.00 | % |
| Other                    investments                                                                      |   |   | 2,511 |   |   | 22 |   |   | 3.50 | % |   |   |   | 2,025 |   |   | 24 |   |   | 4.74 | % |
| Total                    investments                                                                      |   |   | 197,743 |   |   | 2,438 |   |   | 4.93 | % |   |   |   | 169,293 |   |   | 1,961 |   |   | 4.63 | % |
| Federal                    funds sold                                                                     |   |   | 33,550 |   |   | 430 |   |   | 5.20 | % |   |   |   | 37,349 |   |   | 406 |   |   | 4.41 | % |
| Loans:                                                                                                    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial                    and real estate                                                             |   |   | 395,224 |   |   | 8,721 |   |   | 8.95 | % |   |   |   | 349,123 |   |   | 7,029 |   |   | 8.17 | % |
| Installment                                                                                               |   |   | 105,047 |   |   | 2,272 |   |   | 8.77 | % |   |   |   | 94,487 |   |   | 1,935 |   |   | 8.31 | % |
| Total                    loans3                                                                           |   |   | 500,271 |   |   | 10,993 |   |   | 8.91 | % |   |   |   | 443,610 |   |   | 8,964 |   |   | 8.20 | % |
| Total                    earning assets                                                                   |   |   | 731,564 |   |   | 13,861 |   |   | 7.68 | % |   |   |   | 650,252 |   |   | 11,331 |   |   | 7.07 | % |
| Allowance                    for loan losses                                                              |   |   | (4,949 | ) |   |   |   |   |   |   |   |   |   | (4,358 | ) |   |   |   |   |   |   |
| Nonearning                    assets                                                                      |   |   | 76,843 |   |   |   |   |   |   |   |   |   |   | 71,265 |   |   |   |   |   |   |   |
| Total                    assets                                                                           |   | $ | 803,458 |   |   |   |   |   |   |   |   |   | $ | 717,159 |   |   |   |   |   |   |   |
|                                                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Liabilities                    and stockholders’ equity                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| NOW,                    money market, and savings                                                         |   | $ | 419,573 |   | $ | 3,469 |   |   | 3.35 | % |   |   | $ | 347,759 |   | $ | 2,336 |   |   | 2.72 | % |
| Certificates                    of deposits                                                               |   |   | 122,235 |   |   | 1,213 |   |   | 4.02 | % |   |   |   | 120,998 |   |   | 968 |   |   | 3.24 | % |
| Total                    interest bearing deposits                                                        |   |   | 541,808 |   |   | 4,682 |   |   | 3.50 | % |   |   |   | 468,757 |   |   | 3,304 |   |   | 2.86 | % |
| Securities                    sold under agreements to repurchase                                         |   |   | 4,346 |   |   | 49 |   |   | 4.57 | % |   |   |   | 2,038 |   |   | 20 |   |   | 3.98 | % |
| FHLB                    advances                                                                          |   |   | 1,593 |   |   | 27 |   |   | 6.87 | % |   |   |   | - |   |   | - |   |   | - |   |
| Junior                    subordinated debentures                                                         |   |   | 15,465 |   |   | 330 |   |   | 8.65 | % |   |   |   | 15,465 |   |   | 314 |   |   | 8.23 | % |
| Total                    interest bearing liabilities                                                     |   |   | 563,212 |   |   | 5,088 |   |   | 3.66 | % |   |   |   | 486,260 |   |   | 3,638 |   |   | 3.03 | % |
|                                                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Demand                    deposits                                                                        |   |   | 176,000 |   |   |   |   |   |   |   |   |   |   | 173,612 |   |   |   |   |   |   |   |
| Other                    liabilities                                                                      |   |   | 3,874 |   |   |   |   |   |   |   |   |   |   | 3,581 |   |   |   |   |   |   |   |
| Stockholders’                    equity                                                             |   |   | 60,372 |   |   |   |   |   |   |   |   |   |   | 53,706 |   |   |   |   |   |   |   |
| Total                    liabilities and stockholders’ equity                                       |   | $ | 803,458 |   |   |   |   |   |   |   |   |   | $ | 717,159 |   |   |   |   |   |   |   |
|                                                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                    interest income and net interest spread                                            |   |   |   |   | $ | 8,773 |   |   | 4.02 | % |   |   |   |   |   | $ | 7,693 |   |   | 4.03 | % |
| Net                    yield on interest earning assets                                                   |   |   |   |   |   |   |   |   | 4.86 | % |   |   |   |   |   |   |   |   |   | 4.80 | % |

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*Table              of Contents*

| **Table                    2****Changes                    in Taxable-Equivalent Net Interest Income**(in                    thousands) |       |
|-----------------------------------------------------------------------------------------------------------------------------------------|------------|
|                                                                                                                                    |       | **Three                    Months Ended****March                    31, 2007 Compared to March 31, 2006** |   |
|                                                                                                                                    |       |   | **Total                    Increase ** | ** ** | **Change****Attributable                    To** |
|                                                                                                                                         | ** ** | ** ** | **(Decrease)**  |   |   | **Volume** |   |   | **Rates** |   |
| Taxable-equivalent                    earned on:                                                                                        |       |   |   |   |   |   |   |   |   |   |
| Investment                    securities and interest bearing deposits:                                                                 |       |   |   |   |   |   |   |   |   |   |
| Taxable                                                                                                                                 |       | $ | 64 |   | $ | (3 | ) | $ | 67 |   |
| Tax                    exempt                                                                                                           |       |   | 415 |   |   | 367 |   |   | 48 |   |
| Other                    investments                                                                                                    |       |   | (2 | ) |   | 5 |   |   | (7 | ) |
| Federal                    funds sold                                                                                                   |       |   | 24 |   |   | (44 | ) |   | 68 |   |
| Loans,                    including fees                                                                                                |       |   | 2,029 |   |   | 1,204 |   |   | 825 |   |
|                                                                                                                                    |       |   |   |   |   |   |   |   |   |   |
| T Total                                                                                                                            |       | $ | 2,530 |   | $ | 1,529 |   | $ | 1,001 |   |
|                                                                                                                                    |       |   |   |   |   |   |   |   |   |   |
| Interest                    paid on:                                                                                                    |       |   |   |   |   |   |   |   |   |   |
| Interest                    bearing deposits                                                                                            |       | $ | 1,378 |   | $ | 563 |   | $ | 815 |   |
| Securities                    sold under agreement to repurchase                                                                        |       |   | 29 |   |   | 26 |   |   | 3 |   |
| FHLB                    advances                                                                                                        |       |   | 27 |   |   | 27 |   |   | - |   |
| Junior                    subordinated debentures                                                                                       |       |   | 16 |   |   | 16 |   |   | - |   |
|                                                                                                                                    |       |   |   |   |   |   |   |   |   |   |
| Total                                                                                                                                   |       | $ | 1,450 |   | $ | 632 |   | $ | 818 |   |
|                                                                                                                                    |       |   |   |   |   |   |   |   |   |   |
| Taxable-equivalent                    net interest income                                                                               |       | $ | 1,080 |   | $ | 897 |   | $ | 183 |   |

Non-Interest

*Excluding          Securities Transactions*
*.*

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*Table              of Contents*

Interest          Expenses

*Analysis          of Statement of Condition*

| **Table                    6****Composition                    of Loans** |   |
|---------------------------------------------------------------------------|--------|
| (in                    thousands)                                         |   |
|                                                                      |   |   | **March                    31, 2007 ** | ** ** | ** ** | **December                    31, 2006**  |   |
| Commercial,                    financial, and agricultural                |   | $ | 155,094 |   | $ | 155,098 |   |
| Lease                    financing receivable                             |   |   | 8,694 |   |   | 7,902 |   |
| Real                    estate - mortgage                                 |   |   | 191,381 |   |   | 192,583 |   |
| Real                    estate - construction                             |   |   | 74,379 |   |   | 64,126 |   |
| Installment                    loans to individuals                       |   |   | 80,371 |   |   | 78,613 |   |
| Other                                                                     |   |   | 642 |   |   | 724 |   |
| **Total                    loans**                                        |   | $ | 510,561 |   | $ | 499,046 |   |

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*Table              of Contents*

*Liquidity*
* *

*Capital*

** **

*Asset          Quality*

Risk Management

Nonperforming          Assets 

----

*Table                of Contents*

| **Table                      7****Nonperforming                      Assets and Loans Past Due 90 Days or More**(in                      thousands) |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                                |   | **March                      31, 2007** |   | **March                      31, 2006** |   | **December                      31, 2006** |   |
|                                                                                                                                                |   |   |   |   |   |   |   |
| Nonaccrual                      loans                                                                                                               |   | $ | 1,574 |   | $ | 672 |   | $ | 1,793 |   |
| Loans                        past due 90 days and over                                                                                              |   |   | 481 |   |   | 1,127 |   |   | 98 |   |
| Total                      nonperforming loans                                                                                                      |   |   | 2,055 |   |   | 1,799 |   |   | 1,891 |   |
| Other                      real estate owned                                                                                                        |   |   | 158 |   |   | 68 |   |   | 368 |   |
| Other                      foreclosed assets                                                                                                        |   |   | 58 |   |   | 54 |   |   | 55 |   |
| Total                      nonperforming assets                                                                                                     |   | $ | 2,271 |   | $ | 1,921 |   | $ | 2,314 |   |
|                                                                                                                                                |   |   |   |   |   |   |   |   |   |   |
| Nonperforming                        assets to total assets                                                                                         |   |   | 0.28 | % |   | 0.26 | % |   | 0.29 | % |
| Nonperforming                        assets to total loans + OREO + other foreclosed                        assets                                  |   |   | 0.44 | % |   | 0.43 | % |   | 0.46 | % |
| ALL                      to nonperforming assets                                                                                                    |   |   | 215.76 | % |   | 242.16 | % |   | 215.08 | % |
| ALL                      to nonperforming loans                                                                                                     |   |   | 238.44 | % |   | 285.59 | % |   | 263.19 | % |
| ALL                      to total loans                                                                                                             |   |   | 0.96 | % |   | 1.03 | % |   | 1.00 | % |
|                                                                                                                                                |   |   |   |   |   |   |   |   |   |   |
| Year-to-date                      charge-offs                                                                                                       |   | $ | 95 |   | $ | 132 |   | $ | 542 |   |
| Year-to-date                      recoveries                                                                                                        |   |   | 18 |   |   | 109 |   |   | 314 |   |
| Year-to-date                      net charge-offs                                                                                                   |   | $ | 77 |   | $ | 23 |   | $ | 228 |   |
| Net                      YTD charge-offs to total loans                                                                                             |   |   | 0.02 | % |   | 0.01 | % |   | 0.05 | % |

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*Table                of Contents*

*Impact          of Inflation and Changing Prices*

**Item          3. Quantitative and Qualitative Disclosures About          Market          Risk.**

**Item          4. Controls and Procedures.**

**Part          II - Other Information**

**Item          1. Legal Proceedings.**

**Item          1A. Risk Factors.**

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*Table              of Contents*

**Item          2. Unregistered Sales of Equity Securities and Use          of          Proceeds.**

|                             |   | **Total                    Number****of                    Shares Purchased** |   | **Average                    Price Paid per Share** |   | **Total                    Number of Shares Purchased as Part of a Publicly Announced                    Plan****1** |   | **Maximum                    Number of Shares That May Yet be Purchased Under the                    Pla****n****1** |   |
|----------------------------------|--------|-------------------------------------------------------------------------------|--------|-----------------------------------------------------|--------|----------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------------------------------------|--------|
| January                    2007  |   |                                                                          | -      |                                                |   | -                                                                                                                    |   |                                                                                                                 | -      |   |   | 194,613 |   |
| February                    2007 |   |                                                                          | 2,500  |                                                | $      | 28.90                                                                                                                |   |                                                                                                                 | 2,500  |   |   | 192,113 |   |
| March                    2007    |   |                                                                          | 733    |                                                | $      | 27.53                                                                                                                |   |                                                                                                                 | 733    |   |   | 191,380 |   |

**Item          3. Defaults Upon Senior Securities.**

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

**Item          5. Other Information.**

**Item          6. Exhibits.**

**(a)          Exhibits**

| Exhibit                    Number |   | Document                    Description |                                                                                                          |
|-----------------------------------|--------|-----------------------------------------|---------------------------------------------------------------------------------------------------------------|
|                              |   |                                    |                                                                                                          |
| 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 |   |

**(b)          Reports Filed on Form 8-K**

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*Table              of Contents*

**Signatures**

|                                                     | MidSouth                    Bancorp, Inc.(Registrant)                |
|----------------------------------------------------------|----------------------------------------------------------------------|
| Date:                    May                    10, 2007 |                                                                 |
|                                                     | /s/                    C. R. Cloutier                                |
|                                                     | C.                    R. Cloutier, President /CEO                    |
|                                                     |                                                                 |
|                                                     | /s/                    J. E. Corrigan, Jr.                           |
|                                                     | J.                    E. Corrigan, Jr., Executive Vice President/CFO |
|                                                     |                                                                 |
|                                                     | /s/                    Teri S. Stelly                                |
|                                                     | Teri                    S. Stelly, SVP/Controller                    |

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