BRITTON & KOONTZ CAPITAL CORP
8-K, 2000-02-23
STATE 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: February 23, 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



<PAGE>




               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




February 23, 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 January 10, 2000



Britton & Koontz Capital Corporation

500 Main Street
P O Box 1407
Natchez, MS  39121

601-445-5576
601-445-2488  Fax
http://www.bkbank.com
[email protected]


FOR IMMEDIATE RELEASE:        FOR MORE INFORMATION:
January 10, 2000              W. Page Ogden, President & CEO
for (Nasdaq/Symbol BKBK)      Bazile R. Lanneau, Jr., Vice President & CFO



BRITTON & KOONTZ CAPITAL CORPORATION ANNOUNCES LOAN PRODUCTION OFFICE
                    IN BATON ROUGE, LOUISIANA


	Natchez, Mississippi-- Britton & Koontz Capital Corporation reported
its wholly-owned bank subsidiary, Britton & Koontz First National Bank, is
establishing a loan production office in Baton Rouge, Louisiana, approximately
90 miles south of the bank's home office in Natchez, Mississippi.   The Baton
Rouge office, located at 10626 Linkwood Court, will be engaged primarily in
the origination of residential mortgage and construction loans.  The Baton
Rouge operation will be lead by Mrs. Mary Scheffy, who brings to the bank
over 15 years experience in residential lending in the Baton Rouge market.
"The Baton Rouge market is a dynamic one, particularly in new construction,"
said Page Ogden, President and CEO of Britton & Koontz Capital Corporation.
"We are delighted to be a participant in such a growing economy."

	 Britton & Koontz Capital Corporation, head-quartered 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, 1999,  the Company reported assets and
equity of $196.2 and $20.2 million, respectively.  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, 1999, amounted to 1,767,064.





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