"SAFE HARBOR" STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT
OF 1995: Congress passed the Private Securities Litigation Act of 1995 in an
effort to encourage corporations to provide information about companies'
anticipated future financial performance."
Other noteworthy study findings include:
- Channel trends predicted to continue in 2005: Over 70% of respondents
predicted increases in sales to lessee, sale to grounding dealer, and
broadcast auctions.
Fleet/lease organizations ranked broadcast auctions as the second most
profitable channel , and both banks and captive lenders ranked sale to
the grounding dealer as the second most profitable.

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Hancock Holding Company -- parent company of Hancock Bank (Mississippi ),
Hancock Bank of Louisiana, Hancock Bank of Florida, and Magna Insurance
Company -- has assets of $4.

Consignors Weigh In: Technology is King in Remarketing Strategy; Emercent Study Provides Industry Insights and Benchmarks

The Emercent study built upon last year's upstream findings and was
broadened to highlight trends in channel usage, vehicle volume, pricing,
vehicle value, and challenges and opportunities remarketers face.

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Investors may access a live, listen-only webcast of Schloegel and Chaney's
comments by visiting http://www.

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In 2005, 87% of consigners will keep
their technology focus, including sales to customers, improved data
insights and channel optimization , operational cost cutting through
technology and partner alignment and more partnership-oriented dealer
sales.com .

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Hancock Holding Company Officers Present at Morgan Stanley Conference

Schloegel and
Chief Financial Officer Carl J.

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The presentation will be
archived and available for two weeks. This act provides a safe harbor for
such disclosure, which protects the companies from unwarranted litigation if
actual results are different from management expectations. These forward-looking statements are
subject to a number of factors and uncertainties which could cause the
company's actual results and experience to differ from the anticipated results
and expectations expressed in such forward-looking statements.

"The study underlines the evolution of the remarketing industry and the
need for sophisticated strategies and data analytics to make the right
decisions -- at both the vehicle and the portfolio level," Andersen said.

This category is for sites which promote, teach or inform in the area of organizational and managerial principles, beliefs and practices which lead to a greater degree of integrity and business ethics.

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"We are continuing to see a shift in the way vehicles are remarketed,"
said Julie Andersen, vice president of strategy and delivery for Emercent. 40% of consignors changed
their response for next year -- indicating they felt more consistency
would come from online proprietary auctions.

- Measuring effectiveness depends on who is measuring.

formulate darden

Fleets/lease measure sale
value and turn time.

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At the conference, Hancock Chief Executive Officer George A.

- Channel satisfaction varies and is anticipated to change.

dilemmas ethically

Hancock Holding Company subscribes to the highest standards of corporate
responsibility with respect to legal, moral, and regulatory relationships with
shareholders , customers, employees, and communities Hancock serves. Investors can access additional corporate information or online
banking and bill pay services at http://www.com. This shift is predicted to come with a decrease in
the use of traditional auctions.

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hancockbank. It is all about
exposure -- and consignors are using technology to achieve this.

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Emercent also works with value chain partners including
auction, insurance, fleet and remarketing companies.

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hancockbank.

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Chaney highlighted the company's financial
performance, corporate business strategies, and economic profiles of Hancock 's
Gulf South markets. This release
contains forward-looking statements and reflects management 's current views
and estimates of future economic circumstances, industry conditions, company
performance , and financial results.

dilemmas ethical

, Earlier today, officers
of Hancock Holding Company (Nasdaq: HBHC), parent company of Hancock Bank,
addressed financial analysts from across the nation attending the Morgan
Stanley Small Cap Executive Conference at the Ritz-Carlton Battery Park Hotel
in New York, NY ., Hancock Insurance Agency, and Harrison Finance
Company.

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Neither captives
nor banks perceive a significant difference in profitability between
proprietary online auctions and broadcast auctions. "These findings help deepen industry understanding for
consignors and at the same time strengthen our strategic service offerings. By
having a clear picture of where the industry is going , we are better able to
help clients gain a competitive advantage."

About Emercent Solutions , LLC:
With a client list that includes the major captive automotive finance
companies, Emercent Solutions serves as a premier consulting firm to the
automotive lending industry.

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Founded in 1899 , Hancock Bank stands
among the strongest, safest financial institutions in America.

- Consignors actively looking to improve performance with data analytics
and benchmarking.

Emercent provides software products, technical
and business consulting services, and strategic solutions to its automotive
finance clients. With a special focus on
remarketing, Emercent brings expertise , insight, and experience to deliver
results.

confronted subsection

The Company's
systems of internal controls and risk management processes are in place and
fully functional.

- Channel profitability not always highest upstream.

- Improving profits, cutting costs.

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com. The findings are derived from a survey of 35 auto
industry executives representing 52% of the vehicles remarketed annually. Sales via traditional
auctions decreased 6% in total. When measuring
remarketing effectiveness , captives and banks are focused on measuring
net gain and loss and vehicle sale value.

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All consigners
agreed that sales to lessees resulted in the highest profit. More information on Emercent is available at http://www.

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Hancock Bank
operates 103 offices and more than 140 automated teller machines throughout
South Mississippi, Louisiana and Florida as well as subsidiaries Hancock
Investment Services, Inc. CHICAGO, The use of the Internet for upstream
remarketing activities and broadcast auctions continue to dominate auto
remarketers' strategies in 2004, according to a new industry study conducted
by Emercent Solutions with assistance from the International Automotive
Remarketers Alliance (IARA). Fleet/lease
organizations were most satisfied with traditional auctions, captives
with direct sale to lessee, and banks with online proprietary auctions .

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Eighty-two percent of consignors indicated that the major change to their
strategy from 2003 to 2004 was the increased focus on the use of the Internet
as a channel. In 2004, consigners increased usage of online proprietary
dealer auctions by 3% and broadcast auctions by 5%.
Both banks and fleet lease organizations agreed that traditional
auctions provided the most consistent value. 75% of consignors indicated they could improve their
effectiveness through better data analytics and 82% felt they could
improve effectiveness through benchmark data. Responses
were collected from 19 captive lenders, 8 banks, and 8 fleet/lease
organizations.emercent.

ecoa subsection

8 billion . Remarketers' focus on technology will remain
strong in 2005, as eighty-seven percent of consignors perceive the biggest
opportunity during the upcoming year is improving exposure thru technology.

Additionally, 92% of captives rely on corporate
goals and internal data metrics to determine their effectiveness.
"We are very excited to share the study's insights," said Barclay Noble ,
president of Emercent.

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GULFPORT, Miss.
Accordingly, these unwavering business principles support a corporate culture
of ethical compliance and accountability that ensures that financial
statements are prepared and audited in accordance with accounting principles
generally accepted in the United States of America (GAAP).
"Consignors, looking to maximize profits, are increasing their upstream
channel usage and also their use of broadcast auctions.