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        <OrgReportOrRegisterStateCd>KS</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <IndividualWithBooksNm>THE PEOPLES BANK</IndividualWithBooksNm>
        <PhoneNum>7852826682</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>136 S MAIN ST PO BOX 307</AddressLine1Txt>
          <AddressLine2Txt>136 S MAIN ST PO BOX 307</AddressLine2Txt>
          <CityNm>SMITH CENTER</CityNm>
          <StateAbbreviationCd>KS</StateAbbreviationCd>
          <ZIPCd>669670307</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>false</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JOHN TERRILL</PersonNm>
          <USAddress>
            <AddressLine1Txt>805 E KANSAS AVE</AddressLine1Txt>
            <CityNm>SMITH CENTER</CityNm>
            <StateAbbreviationCd>KS</StateAbbreviationCd>
            <ZIPCd>66967</ZIPCd>
          </USAddress>
          <TitleTxt>BOARD MEMBER</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>MIKE ISOM</PersonNm>
          <USAddress>
            <AddressLine1Txt>123 N JACKSON</AddressLine1Txt>
            <CityNm>KENSINGTON</CityNm>
            <StateAbbreviationCd>KS</StateAbbreviationCd>
            <ZIPCd>66951</ZIPCd>
          </USAddress>
          <TitleTxt>BOARD MEMBER</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JERRY BLANK</PersonNm>
          <USAddress>
            <AddressLine1Txt>118 W FRANCIS</AddressLine1Txt>
            <CityNm>SMITH CENTER</CityNm>
            <StateAbbreviationCd>KS</StateAbbreviationCd>
            <ZIPCd>66967</ZIPCd>
          </USAddress>
          <TitleTxt>BOARD MEMBER</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <BusinessName>
            <BusinessNameLine1Txt>THE PEOPLES BANK</BusinessNameLine1Txt>
          </BusinessName>
          <USAddress>
            <AddressLine1Txt>PO BOX 307</AddressLine1Txt>
            <CityNm>SMITH CENTER</CityNm>
            <StateAbbreviationCd>KS</StateAbbreviationCd>
            <ZIPCd>669670307</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>3970</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>1818920</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>31302</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>1850222</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>1850222</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>27753</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>1822469</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>91123</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>91123</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>649</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>649</TotalTaxAmt>
        <DistributableBeforeAdjAmt>90474</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>90474</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>90474</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>91658</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>91658</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>90474</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>90716</UndistributedIncomePYAmt>
        <QualifyingDistributionsAmt>91658</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>90716</AppliedToYear1Amt>
        <AppliedToCurrentYearAmt>942</AppliedToCurrentYearAmt>
        <UndistributedIncomeCYAmt>89532</UndistributedIncomeCYAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <OnlyContriToPreselectedInd>X</OnlyContriToPreselectedInd>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>USD 110</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>128 S KANSAS</AddressLine1Txt>
            <CityNm>KENSINGTON</CityNm>
            <StateAbbreviationCd>KS</StateAbbreviationCd>
            <ZIPCd>66951</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>EQUIPMENT</GrantOrContributionPurposeTxt>
          <Amt>34428</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>USD 237</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>216 S JEFFERSON ST</AddressLine1Txt>
            <CityNm>SMITH CENTER</CityNm>
            <StateAbbreviationCd>KS</StateAbbreviationCd>
            <ZIPCd>66967</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusCd>PC</RecipientFoundationStatusCd>
          <GrantOrContributionPurposeTxt>EQUIPMENT</GrantOrContributionPurposeTxt>
          <Amt>56288</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>90716</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>11730</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>9209</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <NetRntlIncmReNotDebtFincdProp>
          <ExclusionCd>16</ExclusionCd>
          <ExclusionAmt>20462</ExclusionAmt>
        </NetRntlIncmReNotDebtFincdProp>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <ExclusionAmt>9200</ExclusionAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>50601</ExclusionAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>50601</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc1">
      <AccountingFeesDetail>
        <CategoryTxt>GAREN L KUHLMANN CPA CHTD</CategoryTxt>
        <Amt>606</Amt>
        <NetInvestmentIncomeAmt>61</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>545</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpBondsSchedule documentId="RetDoc2">
      <InvestmentsCorporateBondsGrp>
        <BondNm>CORPORATE SECURITIES</BondNm>
        <EOYBookValueAmt>153565</EOYBookValueAmt>
        <EOYFMVAmt>157455</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>BOND FUNDS</BondNm>
        <EOYBookValueAmt>20000</EOYBookValueAmt>
        <EOYFMVAmt>20183</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc3">
      <InvestmentsCorporateStockGrp>
        <StockNm>STOCK FUNDS</StockNm>
        <EOYBookValueAmt>94500</EOYBookValueAmt>
        <EOYFMVAmt>131097</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>COMMON STOCKS</StockNm>
        <EOYBookValueAmt>69052</EOYBookValueAmt>
        <EOYFMVAmt>220507</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>EXCHANGE TRADED FUNDS-STK ETF</StockNm>
        <EOYBookValueAmt>20672</EOYBookValueAmt>
        <EOYFMVAmt>28837</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>FOREIGN STOCKS</StockNm>
        <EOYBookValueAmt>11119</EOYBookValueAmt>
        <EOYFMVAmt>21128</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>FOREIGN STOCK FUNDS</StockNm>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CLOSELY HELD STOCK</StockNm>
        <EOYBookValueAmt>100</EOYBookValueAmt>
        <EOYFMVAmt>100</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsGovtObligationsSch documentId="RetDoc4">
      <StateLocalSecBookVlEOYAmt>67669</StateLocalSecBookVlEOYAmt>
      <StateLocalSecEOYFMVAmt>66769</StateLocalSecEOYFMVAmt>
    </InvestmentsGovtObligationsSch>
    <InvestmentsLandSchedule2 documentId="RetDoc5">
      <InvestmentLandGrp>
        <CategoryOrItemTxt>FARM REAL ESTATE</CategoryOrItemTxt>
        <CostOrOtherBasisAmt>283140</CostOrOtherBasisAmt>
        <BookValueAmt>283140</BookValueAmt>
        <EOYFMVAmt>1159390</EOYFMVAmt>
      </InvestmentLandGrp>
    </InvestmentsLandSchedule2>
    <OtherAssetsSchedule documentId="RetDoc6">
      <OtherAssetsScheduleGrp>
        <Desc>SUNDRY ASSETS</Desc>
        <BOYBookValueAmt>746</BOYBookValueAmt>
        <EOYBookValueAmt>746</EOYBookValueAmt>
        <EOYFMVAmt>746</EOYFMVAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <OtherDecreasesSchedule documentId="RetDoc7">
      <OtherDecreasesDetail>
        <Desc>ROUNDING</Desc>
        <Amt>2</Amt>
      </OtherDecreasesDetail>
      <OtherDecreasesDetail>
        <Desc>TIMING DIFFERENCE</Desc>
        <Amt>83</Amt>
      </OtherDecreasesDetail>
    </OtherDecreasesSchedule>
    <OtherExpensesSchedule documentId="RetDoc8">
      <OtherExpensesScheduleGrp>
        <Desc>FARM RENT</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>INSURANCE</Desc>
        <RevenueAndExpensesPerBooksAmt>535</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>535</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>MANAGEMENT FEE</Desc>
        <RevenueAndExpensesPerBooksAmt>2755</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>2755</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>FERTILIZER</Desc>
        <RevenueAndExpensesPerBooksAmt>894</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>894</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>CHEMICALS</Desc>
        <RevenueAndExpensesPerBooksAmt>2826</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>2826</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <TaxesSchedule documentId="RetDoc9">
      <TaxesDetail>
        <CategoryTxt>FEDERAL EXCISE TAX</CategoryTxt>
        <Amt>532</Amt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN WITHHOLDING</CategoryTxt>
        <Amt>256</Amt>
        <NetInvestmentIncomeAmt>256</NetInvestmentIncomeAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FARM RENT</CategoryTxt>
        <Amt>4392</Amt>
        <NetInvestmentIncomeAmt>4392</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>