SECURITIES AND EXCHANGE COMMISSION 
Washington, D. C. 20549 

FORM 8-K 
CURRENT REPORT 
Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934 

February 20, 2004 

Date of Report (Date of Earliest Event Reported)

THE PEOPLES HOLDING COMPANY 

(Exact Name of Registrant as Specified in its Charter)

Mississippi
	1-13253
	64-0676974
	
(State or Other Jurisdiction	(Commission File Number)	(I.R.S. Identification Number)	
of Incorporation)	 	 	

209 Troy Street, Tupelo, Mississippi 38802-0709 

(Address of Principal Executive Offices)(Zip Code)

Registrant’s Telephone Number: (662)680-1001 

ITEM 7: FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS. 
		
(c)	The following exhibit is filed herewith:	
 	 	
99.1	      Visual presentation made via webcast on February 18, 2004, by The Peoples Holding Company	

ITEM 9: REGULATION FD DISCLOSURE.
Furnished herewith as Exhibit 99.1 are the visual materials presented on February 18, 2004, in a webcast by The Peoples Holding Company concerning the definitive agreement entered into on February 17, 2004, to acquire Renasant Bancshares, Inc. of Germantown, Tennessee. The visual presentation was also filed with the Securities Exchange Commission under Rule 425 under the Securities Act of 1933, as amended. The visual presentation is available on The Peoples Holding Company's website at www.thepeoplesbankandtrust.com. 	

SIGNATURE 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. 
 	 	 	
 	THE PEOPLES HOLDING COMPANY
	 	
 	Registrant	 	

DATE: February 20, 2004	/s/ E. Robinson McGraw
	 	
 	E. Robinson McGraw		
 	President & Chief Executive Officer		

EXHIBIT INDEX
	
EXHIBIT NUMBER
	DESCRIPTION
	
99.1	 Visual presentation made via webcast on February 18, 2004, by The Peoples Holding Company.	

Exhibit 99.1

			
Contact:	Jim Gray	Stuart Johnson	
 	Executive Vice President	Executive Vice President & CFO	
 	(662) 680-1217	(662) 680-1472	
 	jimg@thepeopleplace.com	stuartj@thepeopleplace.com	

The Peoples Holding Company has made available the following presentation on its website. 
The presentation may be accessed at www.thepeoplesbankandtrust.com.

Other Matters: 
This presentation shall not constitute an offer of any securities for sale. The proposed transaction will be submitted to Renasant shareholders for their consideration. Peoples and Renasant will file a registration statement, including a proxy statement/prospectus and other relevant documents concerning the proposed transaction with the SEC. Shareholders of Renasant are urged to read the registration statement and the proxy statement/prospectus and other relevant documents filed with the SEC when they become available, as well as any amendments or supplements to those documents because they will contain important information. 
Copies of the proxy statement/prospectus and the SEC filings that will be incorporated by reference in the proxy statement/prospectus can be obtained, without charge, by directing a request to Peoples Investor Relations Department at telephone number 662-680-1419. The annual, quarterly and other reports filed by Peoples with the SEC are also available free of charge at the SEC’s website (http://www.sec.gov). 
Renasant, its directors, executive officers and certain members of management and employees may be soliciting proxies from Renasant shareholders in favor of the transactions. A description of any interests, direct or indirect, that directors and executive officers of Renasant have in the transaction will be included in the proxy statement/prospectus when filed.