PONTOTOC BANCSHARES CORP
15-15D, 1998-02-17
BLANK CHECKS
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<PAGE>
 
                       SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C.  20549


                                    FORM 15


     Certification and Notice of Termination of Registration under Section 12(g)
     of the Securities Exchange Act of 1934 or Suspension of Duty to File
     Reports Under Sections 13 and 15(d) of the Securities Exchange Act of 1934.

                         Commission File Number     333-19409
                                                -------------

                           Pontotoc BancShares Corp.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

                              19 South Main Street
                          Pontotoc, Mississippi 38863
                                 (601) 489-1631
- --------------------------------------------------------------------------------
         (Address, including zip code, and telephone number, including
            area code, of registrant's principal executive offices)

                                  common stock
- --------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)

                                      none
- --------------------------------------------------------------------------------
         (Titles of all other classes of securities for which a duty to
               file reports under section 13(a) or 15(d) remains)

     Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

 
    Rule 12g-4(a)(1)(i)    [ ]         Rule 12h-3(b)(1)(i)    [X]
    Rule 12g-4(a)(1)(ii)   [ ]         Rule 12h-3(b)(1)(ii)   [ ]
    Rule 12g-4(a)(2)(i)    [ ]         Rule 12h-3(b)(2)(i)    [ ]
    Rule 12g-4(a)(2)(ii)   [ ]         Rule 12h-3(b)(2)(ii)   [ ]
                                       Rule 15d-6             [X]

     Approximate number of holders of record as of the certification or notice
date:       190
       --------

     Pursuant to the requirements of the Securities Exchange Act of 1934
Pontotoc BancShares Corp. has caused this certification/notice to be signed on
its behalf by the undersigned duly authorized person.


DATE:   February 12, 1998                By:  /s/ Buddy R. Montgomery
      -------------------                     ------------------------------
                                              Buddy R. Montgomery, President


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