BRITTON & KOONTZ CAPITAL CORP
8-K, 2000-11-02
NATIONAL COMMERCIAL BANKS
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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: November 02, 2000





                      BRITTON & KOONTZ CAPITAL CORPORATION
               (Exact name of issuer as specified in its charter)





                                                                 64-0665423

      Mississippi                   0-22606                    (IRS Employer
(State of Incorporation)     Commission File Number          Identification No.)





                   500 Main Street, Natchez, Mississippi 39120
                    (Address of principal executive offices)





                            Telephone: (601)445-5576









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                      BRITTON & KOONTZ CAPITAL CORPORATION
                                 AND SUBSIDIARY

                                     INDEX

Item 5.  Other Events.

                  The  contents  of  Exhibit  20 to this  Form  8-K  are  hereby
                  incorporated herein by this reference.

Item 7.  Financial Statements and Exhibits.

         (c)      Exhibits.

                  20       Other Documents or Statements to Security Holders.





<PAGE>



                                    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 thereto duly authorized.

                                           BRITTON & KOONTZ CAPITAL CORPORATION




November 2, 2000                           /s/ W. Page Ogden
                                           ------------------------------------
                                           W. Page Ogden

                                           President and Chief Executive Officer


<PAGE>



                                 Exhibits Index

Exhibit

Number          Item

20              Other Documents or Statements to Security Holders


                  Press Release Dated October 23, 2000

<PAGE>


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