Mississippi Code Title 81. Banks and Financial Institutions § 81-12-27

(a) The character, responsibility and general fitness of the persons named in the petition are such as to command confidence and warrant belief that the business of the proposed association will be honestly and efficiently conducted in accordance with the intent and purpose of this chapter, and that the proposed association will have qualified full-time management;

(b) There is public need for the proposed association and the interest of the public will be best served by granting the petition;

(c) The anticipated volume and type of business of the proposed association is such as to indicate profitable operation within a reasonable time; and

(d) The operation of the proposed association will not unduly harm any properly conducted financial institution serving the needs and existing in the community in which the principal office or any branch of the proposed association is to be located.