MODIFICATION REVOLVING NOTE

Chicago, Illinois Dated: November 1, 2002 $12,000,000 Due: November 1, 2003

       This Modification Note is dated as of November 1, 2002, by and between
GREAT SOUTHERN BANCORP, INC., a Delaware corporation (the "Maker") and LASALLE
BANK NATIONAL ASSOCIATION, a national banking association (the "Bank"), having
an address of 135 South LaSalle Street, Chicago, Illinois 60603.

       A. The Bank made a loan to the Maker evidenced by a certain Revolving
Note dated October 8, 1999 signed by the Maker and payable to the order of the
Bank, in the amount of $15,000,000, as modified by the Modification Revolving
Note date June 26, 2000 in the amount of $25,000,000, a Modification Revolving
Note dated November 1, 2000 in the amount of $25,000,000 and a Modification
Revolving Note dated November 1, 2001 in the amount of $12,000,000 (the
"Original Note") (collectively, the Original Note, as extended from time to time
and as extended by this Modification Note, is referred to herein as the "Note");
and

       B. Maker desires to extend the maturity date of the loan and make certain
other modifications, and the Bank is willing, subject to certain conditions, to
such extension and other modifications in accordance with the terms of this
Modification Note.

       NOW, THEREFORE, in consideration of these premises and the conditions and
covenants contained herein, the parties agree as follows:

       The indebtedness initially evidenced by the Original Note shall be
re-evidenced by this Modification Note and shall continue to be secured by all
collateral securing the Original Note, including, without limitation, 100% of
the common stock of Great Southern Bank and any stock splits, substitutions,
proceeds or dividends thereon.

       This Modification Note is not being delivered in payment for the Original
Note and is not intended to constitute a novation therefor. To the extent the
provisions of this Modification Note are inconsistent or conflict with the terms
of the Original Note or any other prior note evidencing the same indebtedness,
the provisions of this Modification Note shall govern and control. In all other
respects, the existing terms, conditions and provisions of the Original Note,
including, without limitation, any late charges or expenses, remain in full
force and effect and shall be incorporated by reference herein.

       If payment hereunder becomes due and payable on a Saturday, Sunday, or
legal holiday under the laws of the United States or the State of Illinois, the
due date hereof shall be extended to the next succeeding business day, and
interest shall be payable thereon at the rate specified during such extension
period.

       Upon the occurrence of any one or more of the following: (a) default in
the payment of any installment when due hereunder, or (b) default under the
Original Note, any prior note evidencing the same indebtedness, this
Modification Note or any of the Loan Documents, or (c) default under any other
agreement now existing or hereafter entered into between the Maker and the Bank,
the holder of the Note, in its sole discretion, may declare the entire remaining
balance on the Note, including all accrued and unpaid interest to be immediately
due and payable. Failure to exercise this option shall not waive the right of
the holder to exercise the same in the event of a later default.

NEXT PAGE

       Demand, presentment, protest, notice of non-payment and protest are
hereby waived by Maker.

       This Modification Note has been delivered and shall be deemed to have
been made at Chicago, Illinois and shall be interpreted and the rights and
liabilities of the parties hereto determined in accordance with the laws of the
State of Illinois. Whenever possible each provision of the Note shall be
interpreted in such manner as to be effective and valid under applicable law,
but if any provision of the Note shall be prohibited or invalid under applicable
law, such provision shall be ineffective to the extent of such prohibition or
invalidity, without invalidating the remainder of such provision or the
remaining provisions of the Note. Whenever in the Note there is reference made
to Bank or Maker, such reference shall be deemed to include, as applicable, a
reference to their respective successors and assigns. The provisions of the Note
shall be binding upon and inure to the benefit of said successors and assigns,
as applicable. Maker's successors and assigns shall include, without limitation
a receiver, trustee or debtor-in-possession of or for Maker. All references to
the singular shall be deemed to include the plural where the context so
requires.

       If more than one party shall execute this Note, the term "Maker" as used
herein shall mean all parties signing this Modification Note, and each one of
them, and all such parties, their respective heirs, executors, administrators,
successors and assigns, shall be, jointly and severally, obligated hereunder. As
used herein, all provisions shall include the masculine, feminine, neuter,
singular and plural thereof, wherever the context and facts require such
construction and in particular the term "Maker" shall be so construed.

ADDITIONAL COVENANTS

       1. Minimum Loan Advances. All loan advances under this Note shall be in a
minimum amount of Two Hundred Fifty Thousand Dollars ($250,000).

       2. Interest Rate. The outstanding principal amount of this Note
outstanding from time to time shall bear interest at the Interest Rate (as
defined below). Interest shall be calculated on the basis of a year consisting
of 360 days and shall be paid for the actual number of days elapsed. As used
herein, the phrase "Interest Rate" shall mean, as applicable, the Prime Rate or
the LIBOR Rate plus one and one-quarter of one percent (1.25%), provided that in
no event shall the Interest Rate hereunder be less than three percent (3%) per
annum.

       3. Prime Rate. Subject to the right of Maker to convert the interest rate
as provided in Section 4 below, the principal balance of this Note outstanding
from time to time shall bear interest at the Prime Rate per annum. As used
herein, the phrase "Prime Rate" means the rate in effect from time to time as
set by the Bank and called its Prime Rate. The effective date of any change in
the Prime Rate shall for purposes hereof be the date the rate is changed by the
Bank. The Bank shall not be obligated to give notice of any change in the Prime
Rate.

       4. Interest Rate Conversion Option. (a) Notwithstanding the foregoing,
the Maker shall provide the Bank with written or oral notice to elect the LIBOR
Rate (as defined below) plus one and one-quarter of one percent (1.25%).

       (b) LIBOR Rate. (i) For purposes hereof, the phrase "LIBOR Rate" means
the per annum rate of interest at which U.S. dollar deposits in an amount
comparable to the amount of the relevant LIBOR Rate loan and for a period equal
to the relevant "Interest Period" (hereinafter defined) are offered generally to
the Bank (rounded upward if necessary, to the nearest 1/16 of 1.00%) in the
London Interbank Eurodollar market at 11:00 a.m. (London time) two banking days
prior to the commencement of each Interest Period, such rate to remain fixed for
such Interest Period; and "Interest Period" shall mean successive one, two or
three month periods as selected from time to time by the Maker by notice

2NEXT PAGE

given to the Bank not less than three banking days prior to the first day of
each respective Interest Period; provided that: (a) each such one, two or three
month period occurring after such initial period shall commence on the day on
which the next preceding period expires; (b) the final Interest Period shall be
such that its expiration occurs on or before the stated maturity date of the
Note; and (c) if for any reason the Maker shall fail to select an Interest
Period on a timely basis, then it shall be deemed to have selected a one month
Interest Period, with the exception that if at any time an Interest Period
expires less than one month before the maturity date of the Note, then, for the
period commencing on such expiration date and ending on the maturity date, such
LIBOR Rate loan shall convert to a loan bearing interest at the Prime Rate.

       (ii) The Bank's determination of LIBOR as provided above shall be
conclusive, absent manifest error. Furthermore, if the Bank determines, in good
faith (which determination shall be conclusive, absent manifest error), prior to
the commencement of any Interest Period that (a) U.S. dollar deposits of
sufficient amount and maturity for funding any LIBOR Rate loan are not available
to the Bank in the London Interbank Eurodollar market in the ordinary course of
business, or (b) by reason of circumstances affecting the London Interbank
Eurodollar market, adequate and fair means do not exist for ascertaining the
rate of interest to be applicable to the relevant LIBOR Rate loan, the Bank
shall promptly notify the Maker and such LIBOR Rate loan shall automatically
convert on the last day of its then-current Interest Period to a loan bearing
interest at the Prime Rate minus one and four-tenths of one percent (-1.40%). If
after the date hereof either (a) the introduction of, or any change in any
applicable law, treaty, rule, regulation or guideline or in the interpretation
or administration thereof by any governmental regulation or any central bank or
other fiscal, monetary or other authority having jurisdiction over the Bank or
its lending office (a "Regulatory Change"), shall, in the opinion of counsel to
the Bank, makes it unlawful for the Bank to make or maintain any LIBOR Rate loan
evidenced hereby or (b) for any other reason the LIBOR Rate loan funding becomes
unavailable to the Bank, then the Bank shall promptly notify the Maker and such
LIBOR Rate loan shall automatically convert on the last day of its then-current
Interest Period to a loan bearing interest at the Prime Rate minus one and
four-tenths of one percent (-1.40%).

       (iii) If, for any reason, any LIBOR Rate loan is paid prior to the last
banking day of its then-current Interest Period, the Maker agrees to indemnify
the Bank against any loss (including any loss on redeployment of the funds
repaid), cost or expense incurred by the Bank as a result of such prepayment. Of
any Regulatory Change (whether or not having the force of law) shall (a) impose,
modify or deem applicable any assessment, reserve, special deposit or similar
requirement against assets held by, or deposits in or for the account of or
loans by, or any other acquisition of funds or disbursements by, the Bank; (b)
subject the Bank or any LIBOR Rate loan to any tax, duty, charge, stamp tax or
fee or change the basis of taxation of payment to the Bank of principal or
interest due from the Maker to the Bank hereunder (other than a change of the
taxation of the overall net inform of the Bank); or (c) impose on the Bank any
other condition regarding such LIBOR Rate loan or the Bank's funding thereof,
and the Bank shall determine (which determination shall be conclusive, absent
manifest error) that the result of the foregoing is to increase the cost to the
Bank of making or maintaining such LIBOR Rate loan or to reduce the amount of
principal or interest received by the Bank hereunder, then the Maker shall pay
the Bank, on demand, such additional amounts as the Bank shall, from time to
time, determine are sufficient to compensate and indemnify the Bank for such
increased cost or reduced amount.

If Maker shall fail to indicate an interest rate option as aforesaid for any
loan advance, such advance shall be deemed to bear interest at the Prime Rate
option as set forth above.

       5. Payments. This Note shall be repaid as follows:

3NEXT PAGE

       (i) Interest on the portion of the unpaid principal balance bearing
interest at the Prime Rate shall be payable quarterly in arrears, commencing on
February 1, 2003 and continuing quarterly thereafter.

       (ii) Interest on each LIBOR Rate loan shall be payable on the last
banking day of each Interest Period with respect thereto.

       (iii) A final payment equal to the total principal then remaining unpaid,
plus accrued interest, shall be paid on November 1, 2003. Any amount of
principal or interest which is not paid when due, whether at the stated
maturity, by acceleration or otherwise, shall bear interest payable on demand at
an interest rate per annum equal at all times to the then applicable Interest
Rate plus two percent (2%).

       6. Principal Prepayments. Prepayments of Prime Rate loans are permitted
at any time, together with all interest accrued thereon to the date of
prepayment, without premium or penalty.

       7. Commitment Fee. Maker shall pay to the Bank a commitment fee in the
amount of one-quarter of one percent (.25%) per annum of the unused portion of
the loan commitment evidenced by this Note, which fee shall be payable
quarterly, in arrears, beginning on December 1, 2002.

       8. Indebtedness Prohibited. Maker shall not, directly or indirectly, be
liable for, create, assume, incur or permit to exist any senior indebtedness
whether as primary obligor, guarantor, surety or otherwise, including, without
limitation, purchase money indebtedness except (a) indebtedness in favor of the
Bank, (b) indebtedness for liens for taxes or other governmental charges
incurred in the ordinary course of business; and (c) debt created by the
issuance of additional shares of Trust Preferred Stock.

       9. Reports. Maker and Maker's Subsidiary, Great Southern Bank (the
"Subsidiary") shall maintain a standard and modern system of accounting, on the
accrual basis of accounting and in all respects in accordance with generally
accepted accounting principles ("GAAP"), and shall furnish to the Bank or its
authorized representatives such information respecting the business affairs,
operations and financial condition of the Maker and Subsidiary as may be
reasonably requested. Maker shall also deliver to the Bank the following:

       (A) Within forty-five (45) days after the end of each accounting quarter,
a Call Report (as hereafter defined) on Maker or Subsidiary as furnished to the
appropriate regulatory authority, all in reasonable detail and certified by a
principal financial officer of Maker or Subsidiary that the statements fairly
present the financial condition of Maker or Subsidiary as of the balance sheet
date and the results of their operations for the period shown; and

       (B) Within one hundred twenty (120) days after the end of the end of the
fiscal year of Maker, a copy of the annual audit report of Maker and Subsidiary,
prepared in conformity with GAAP and applied on a basis consistent with that of
the preceding fiscal year, prepared, signed by and bearing an unqualified
opinion of independent certified public accountants satisfactory to Bank; and

       (C) Promptly upon receipt thereof, copies of any other report submitted
to Maker or Subsidiary, by certified public accountants in connection with any
annual or interim audit of the books made by such accountants as from time to
time may be reasonably requested by Bank; and

       (D) Promptly upon Bank's request, copies of all financial statements and
reports sent by Maker or Subsidiary, to their stockholders and any and all
regular and periodic reports that may be required to be filed by Maker or
Subsidiary with the Securities and Exchange Commission, the Office of the

4NEXT PAGE

Comptroller of the Currency, the Federal Deposit Insurance Corp., the Board of
Governors of the Federal Reserve System and any other governmental agency having
enforceable jurisdiction over the business and affairs of Maker and Subsidiary;
and

       (E) With reasonable promptness, such other data and information as from
time to time may be reasonably requested by Bank.

       10. Financial Covenants.

       (A) The Maker or Subsidiary shall maintain such capital as is necessary
to cause the Maker or Subsidiary to be classified as a "Well Capitalized"
institution in accordance with the regulations of the FDIC, currently measured
on the basis of information filed by Maker or Subsidiary in its quarterly
Consolidated Report of Income and Condition (the "Call Report") as follows:

 i.   Total Capital to Risk-Weighted Assets of not less than 10%;
 ii.  Tier 1 Capital to Risk-Weighted Assets of not less than 6%; and
 iii. Tier 1 Capital to average Total Assets of not less than 5%. For the
      purposes of this subsection (A)(iii), the average Total Assets shall be
      determined on the basis of information contained in the preceding four (4)
      Call Reports;

       (B) The Maker or Subsidiary shall cause the ratio of non-performing loans
to the primary capital of Subsidiary to be not more than twenty-five percent
(25%) at all times. For purposes of this section, "primary capital" shall mean
the sum of the common stock, surplus and retained earning accounts plus the
reserve for loan and lease losses, and "non-performing loans" shall mean the sum
of all non-accrual loans and loans on which any payment is ninety (90) or more
days past due.

       IN WITNESS WHEREOF, the Maker has executed this Modification Note on the
day and year first above written.

GREAT SOUTHERN BANCORP, INC.

By:  /s/ Rex A. Copeland

--------------------------------------------------------------------------------

Its:  Treasurer

--------------------------------------------------------------------------------

INFORMATIONAL NOTICE
The Prime Rate on the date of this Note is ____% which Prime Rate is subject to
change from time to time as provided in this Note.

5NEXT PAGE