BRITTON & KOONTZ CAPITAL CORP
8-K, EX-20, 2000-11-03
NATIONAL COMMERCIAL BANKS
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Britton & Koontz Capital Corporation

500 Main Street
P O Box 1407
Natchez, MS  39121

601-445-5576

601-445-2481  Fax

http://www.bkbank.com
[email protected]

FOR IMMEDIATE RELEASE:             FOR MORE INFORMATION:
---------------------              ---------------------
November 2, 2000                   W. Page Ogden, President & CEO
for (Nasdaq/Symbol BKBK)           Bazile R. Lanneau, Jr., Vice President & CFO





                 BRITTON & KOONTZ DECLARES SEMI-ANNUAL DIVIDEND

         Natchez,  Mississippi-- Britton & Koontz Capital Corporation declared a
semi-annual   dividend  of  $.30  per  share  payable   December  27,  2000,  to
shareholders  of  record as of  December  5,  2000.  Shareholders  of  Louisiana
Bancshares  who receive B&K Common  Stock,  from the  pending  merger,  which is
scheduled to be completed by December 1, will be included in this dividend.

         Britton  &  Koontz  Capital  Corporation,   headquartered  in  Natchez,
Mississippi, is the parent company of Britton & Koontz First National Bank which
operates four full service offices in Natchez and one in Vicksburg, Mississippi.
As of September  30, 2000,  the Company  reported  assets of $239.7  million and
equity of $21.2  million.  The  Company's  stock is  traded on NASDAQ  under the
symbol BKBK and the transfer  agent is American  Stock Transfer & Trust Company.
Total shares outstanding at September 30, 2000, amounted to 1,752,564.





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