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                       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

         Date of Report (Date of Earliest Event Reported) July 24, 2006

                             MIDSOUTH BANCORP, INC.
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             (Exact name of registrant as specified in its charter)

              Louisiana                   1-11826                72-1020809
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    (State or other jurisdiction        (Commission           (I.R.S. Employer
          of incorporation)             File Number)         Identification No.)

        102 Versailles Boulevard, Lafayette, Louisiana             70501
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           (Address of principal executive offices)              (Zip Code)

         Registrant's Telephone Number, Including Area Code 337-237-8343


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         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ]  Written communications pursuant to Rule 425 under the Securities
     Act (17 CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange
     Act (17 CFR 240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))

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ITEM 2.02.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION

ITEM 8.01.  OTHER EVENTS AND REGULATION FD DISCLOSURE

         On July 24, 2006, MidSouth Bancorp, Inc. (the "Company") issued a press
release regarding the Company's earnings for the quarter ending June 30, 2006.
The Company's earnings release, including financial highlights, is attached as
Exhibit 99.1.

ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS

(d)      Exhibits

99.1     Press Release dated July 24, 2006.



                                    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.


Date   July 24, 2006
                                                           /s/ C. R. Cloutier
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                                                           C. R. Cloutier
                                                           President & CEO



Exhibit           Description
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Exhibit 99.1      Press Release dated July 24, 2006 announcing earnings for the
                  second quarter of 2006.