|x | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ---------------------------------------------------------------------------------------
|  |                                                                                        
|  | For the quarterly period ended  March 31, 2003                                         
|  |                                                                                        
|  | OR                                                                                     
|  |                                                                                        
|  | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934
|  |                                                                                        
|  | For the transition period from ________________ to _____________                       

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|**Missouri**

(State or jurisdiction of incorporation)                          | **43-1665523**

(IRS employer id. no.)
|------------------------------------------------------------------------------- | --------------------------------------
|                                                                                |                                       
|**531 Vine Street, Poplar Bluff, MO**

(Address of principal executive offices) | **63901**

(Zip code)                 

---

|Class
Common Stock, Par Value $.01 | Outstanding at May 9, 20031,176,395 Shares
|---------------------------------- | ------------------------------------------

---

|**PART I.**                     | **Financial Information (Unaudited)**               | **PAGE NO.**                                  
|------------------------------- | --------------------------------------------------- | ----------------------------------------------
|                                |                                                     |                                               
|Item 1                          | Consolidated Financial Statements (Unaudited)       |                                               
|                                |                                                     |                                               
|                                | -                                                   | Consolidated Statements of Financial Condition
|                                |                                                     |                                               
|                                | -                                                   | Consolidated Statements of Income and         
|                                |                                                     |                                               
|                                |                                                     |                                               
|                                | -                                                   | Consolidated Statements of Cash Flows         
|                                |                                                     |                                               
|                                | -                                                   | Notes to Consolidated Financial Statements    
|                                |                                                     |                                               
|Item 2                          | Management's Discussion and Analysis of Financial   |                                               
|                                | Condition and Results of Operations                 | 9-13                                          
|                                |                                                     |                                               
|Item 3                          | Controls and Procedures                             | 14                                            
|                                |                                                     |                                               
|**PART II.  OTHER INFORMATION** |                                                    
|                                |                                                     |                                               
|Item 1                          | Legal Proceedings                                   | 15                                            
|                                |                                                     |                                               
|Item 2                          | Changes in Securities and Use of Proceeds           | 15                                            
|                                |                                                     |                                               
|Item 3                          | Defaults upon Senior Securities                     | 15                                            
|                                |                                                     |                                               
|Item 4                          | Submission of Matters to a Vote of Security-Holders | 15                                            
|                                |                                                     |                                               
|Item 5                          | Other Information                                   | 15                                            
|                                |                                                     |                                               
|Item 6                          | Exhibits and Reports on Form 8-K                    | 15                                            
|                                |                                                     |                                               
|                                | -                                                   | Signature Page                                
|                                |                                                     |                                               
|                                | -                                                   | Certifications                                

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|**ASSETS**                                                 
|-----------------------------------------------------------
|                                                           
|                                                           
|                                                           
|                                                           
|Cash and cash equivalents                                  
|Investment and mortgage-backed securities                  
|                                                           
|                                                           
|                                                           
|Stock in Federal Home Loan Bank of Des Moines              
|Loans receivable, net                                      
|Accrued interest receivable                                
|Foreclosed real estate                                     
|Premises and equipment                                     
|Intangible assets, net                                     
|Bank owned life insurance- cash surrender value            
|Prepaid expenses and other assets                          
|                                                           
|                                                           
|                                                           
|                                                           
|**LIABILITIES AND STOCKHOLDERS' EQUITY**                   
|                                                           
|Deposits                                                   
|Securities sold under agreements to repurchase             
|Advances from FHLB of Des Moines                           
|Advances from borrowers for taxes and insurance            
|Accounts payable and other liabilities                     
|Accrued interest payable                                   
|                                                           
|                                                           
|Commitments and contingencies                              
|                                                           
|Preferred stock, $.01 par value; 500,000 shares authorized;
|                                                           
|Common stock, $.01 par value; 3,000,000 shares authorized; 
|                                                           
|Additional paid-in capital                                 
|Retained earnings, substantially restricted                
|Treasury stock of 628,806 shares at March 31, 2003 and     
|                                                           
|Unearned employee benefits                                 
|Accumulated other comprehensive income                     
|                                                           
|                                                           
|                                                           

---

|                                            |                                                      |                                   | Three-months endedMarch 31, | Nine-months ended
March 31
|------------------------------------------- | ---------------------------------------------------- | --------------------------------- | --------------------------- | --------------------------
|                                            |                                                      |                                   | 2003                        | 2002                      
|**INTEREST INCOME:**                        |                                                      |                                   |                             |                           
|                                            | Loans receivable                                     | $3,739,367                        | $3,734,837                  | $11,486,755               
|                                            | Investment securities                                | 94,463                            | 122,843                     | 364,352                   
|                                            | Mortgage-backed and related securities               | 174,650                           | 344,267                     | 604,594                   
|                                            | Other interest-earning assets                        | 11,513                            | 26,618                      | 21,738                    
|                                            |                                                      | Total interest income             | 4,019,993                   | 4,228,565                 
|                                            |                                                      |                                   |                             |                           
|**INTEREST EXPENSE:**                       |                                                      |                                   |                             |                           
|                                            | Deposits                                             | 1,057,968                         | 1,255,486                   | 3,367,686                 
|                                            | Securities sold under agreements to repurchase       | 21,199                            | 21,268                      | 53,390                    
|                                            | Advances from FHLB                                   | 659,666                           | 615,200                     | 2,006,652                 
|                                            |                                                      | Total interest expense            | 1,738,833                   | 1,891,954                 
|                                            |                                                      |                                   |                             |                           
|**NET INTEREST INCOME**                     | 2,281,160                                            | 2,336,611                         | 7,049,711                   | 6,502,927                 
|                                            |                                                      |                                   |                             |                           
|**PROVISION FOR LOAN LOSSES**               | 60,000                                               | 110,000                           | 270,000                     | 280,000                   
|                                            |                                                      |                                   |                             |                           
|**NET INTEREST INCOME AFTER**               |                                                      |                                   |                             |                           
|                                            | **PROVISION FOR LOAN LOSSES**                        | 2,221,160                         | 2,226,611                   | 6,779,711                 
|                                            |                                                      |                                   |                             |                           
|**NONINTEREST INCOME:**                     |                                                      |                                   |                             |                           
|                                            | Gain on sale of available for sale securities        | -                                 | -                           | -                         
|                                            | Banking service charges                              | 265,208                           | 115,412                     | 586,382                   
|                                            | Late charges and other fees                          | 38,134                            | 36,633                      | 88,379                    
|                                            | Earnings on bank owned life insurance                | 20,351                            | -                           | 20,351                    
|                                            | Other income                                         | 64,932                            | 74,923                      | 248,630                   
|                                            |                                                      | Total noninterest income          | 388,625                     | 226,968                   
|                                            |                                                      |                                   |                             |                           
|**NONINTEREST EXPENSE:**                    |                                                      |                                   |                             |                           
|                                            | General and administrative:                          |                                   |                             |                           
|                                            |                                                      | Compensation and benefits         | 812,696                     | 759,835                   
|                                            |                                                      | Occupancy and equipment, net      | 316,272                     | 285,462                   
|                                            |                                                      | SAIF deposit insurance premiums   | 7,787                       | 7,884                     
|                                            |                                                      | Professional fees                 | 41,839                      | 44,695                    
|                                            |                                                      | Advertising                       | 34,769                      | 34,665                    
|                                            |                                                      | Postage and office supplies       | 67,917                      | 45,864                    
|                                            |                                                      | Amortization of intangible assets | 63,814                      | 63,814                    
|                                            |                                                      | Other operating expenses          | 182,584                     | 262,055                   
|                                            |                                                      |                                   | Total noninterest expense   | 1,527,678                 
|                                            |                                                      |                                   |                             |                           
|**INCOME BEFORE INCOME TAXES**              | 1,082,107                                            | 949,305                           | 3,205,138                   | 2,516,470                 
|                                            |                                                      |                                   |                             |                           
|**PROVISION FOR INCOME TAXES**              | 393,326                                              | 325,830                           | 1,176,738                   | 860,948                   
|                                            |                                                      |                                   |                             |                           
|**NET INCOME**                              | 688,781                                              | 623,475                           | 2,028,400                   | 1,655,522                 
|                                            |                                                      |                                   |                             |                           
|**OTHER COMPREHENSIVE INCOME, NET OF TAX:** |                                                      |                                   |                             |                           
|                                            | Unrealized (losses) on AFS securities                | (92,463)                          | (107,556)                   | (166,348)                 
|                                            | Adjustment for (gains) losses included in net income | -                                 | -                           | -                         
|                                            |                                                      | Total other comprehensive income  | (92,463)                    | (107,556)                 
|**COMPREHENSIVE INCOME**                    | $     596,318                                        | $      515,919                    | $1,862,052                  | $1,564,099                
|                                            |                                                      |                                   |                             |                           
|Basic earnings per common share             | $  0.59                                              | $  0.53                           | $  1.73                     | $  1.39                   
|Diluted earnings per common share           | $  0.58                                              | $  0.52                           | $  1.69                     | $  1.37                   
|Dividends per common share                  | $  0.14                                              | $0.125                            | $  0.42                     | $0.375                    

---

|                                                 |                                                                       |                                                              | Nine-months ended March 31,
|------------------------------------------------ | --------------------------------------------------------------------- | ------------------------------------------------------------ | ---------------------------
|                                                 |                                                                       |                                                              | 2003                       
|Cash Flows From Operating Activities:            |                                                                       |                                                             
|Net income                                       | $2,028,400                                                            | $1,655,522                                                  
|                                                 |                                                                       |                                                              |                            
|                                                 | Items not requiring (providing) cash:                                 |                                                              |                            
|                                                 |                                                                       | Depreciation and amortization                                | 443,365                    
|                                                 |                                                                       | MRP expense and ESOP expense                                 | 116,652                    
|                                                 |                                                                       | Gain on sale of available for sale securities                | -                          
|                                                 |                                                                       | Amortization of intangible assets                            | 191,443                    
|                                                 |                                                                       | Provision for loan losses                                    | 270,000                    
|                                                 |                                                                       | Earnings on bank owned life insurance                        | (20,351)                   
|                                                 |                                                                       | Net amortization of deferred income, premiums, and discounts | 378,987                    
|                                                 | Changes in:                                                           |                                                              |                            
|                                                 |                                                                       | Accrued interest receivable                                  | 126,468                    
|                                                 |                                                                       | Prepaid expenses and other assets                            | (58,191)                   
|                                                 |                                                                       | Accounts payable and other liabilities                       | 48,588                     
|                                                 |                                                                       | Accrued interest payable                                     | (137,957)                  
|                                                 |                                                                       |                                                             
|Net cash provided by operating activities        | 3,387,404                                                             | 2,487,991                                                   
|                                                 |                                                                       |                                                              |                            
|Cash flows from investing activities:            |                                                                       |                                                             
|                                                 | Net increase in loans                                                 | (12,505,721)                                                 | (22,185,716)               
|                                                 | Proceeds from sales of mortgage-backed securities, available-for-sale | -                                                            | 3,389,072                  
|                                                 | Proceeds from maturing mortgage-backed securities, available-for-sale | 15,083,732                                                   | 9,183,968                  
|                                                 | Proceeds from maturing investment securities, available-for-sale      | 6,943,000                                                    | 11,350,000                 
|                                                 | Purchase of Federal Home Loan Bank stock                              | (242,500)                                                    | (50,000)                   
|                                                 | Purchase of mortgage-backed-securities, available-for-sale            | (14,624,727)                                                 | (13,113,698)               
|                                                 | Purchase of investment securities, available-for-sale                 | (9,617,415)                                                  | (12,756,748)               
|                                                 | Purchase of premises and equipment                                    | (807,494)                                                    | (1,086,635)                
|                                                 | Purchase of bank owned life insurance                                 | (4,000,000)                                                  | -                          
|                                                 | Proceeds from sale of foreclosed real estate                          | 58,542                                                       | 441,412                    
|                                                 |                                                                       | Net cash used in investing activities                        | (19,712,583)               
|                                                 |                                                                       |                                                              |                            
|Cash flows from financing activities:            |                                                                       |                                                             
|                                                 | Net increase in certificates of deposit                               | 6,189,900                                                    | 43,020                     
|                                                 | Net increase in demand, NOW and savings accounts                      | 4,767,733                                                    | 15,238,726                 
|                                                 | Net increase in securities sold under agreements to repurchase        | 2,728,796                                                    | 841,000                    
|                                                 | Net decrease in advances from borrowers for taxes and insurance       | (169,983)                                                    | (126,034)                  
|                                                 | Proceeds from Federal Home Loan Bank advances                         | 13,200,000                                                   | 7,000,000                  
|                                                 | Repayments of Federal Home Loan Bank advances                         | (12,200,000)                                                 | -                          
|                                                 | Cash dividends paid                                                   | (502,176)                                                    | (450,107)                  
|                                                 | Exercise of stock options                                             | 138,540                                                      | 115,625                    
|                                                 | Purchase of treasury stock                                            | (1,052,554)                                                  | (1,142,615)                
|                                                 |                                                                       | Net cash provided by financing activities                    | 13,100,256                 
|                                                 |                                                                       |                                                              |                            
|Decrease in cash and cash equivalents            | (3,224,923)                                                           | (820,739)                                                   
|                                                 |                                                                       |                                                              |                            
|Cash and cash equivalents at beginning of period | 8,612,714                                                             | 10,710,122                                                  
|                                                 |                                                                       |                                                              |                            
|Cash and cash equivalents at end of period       | $  5,387,791                                                          | $  9,889,383                                                

---

|                                              | Nine-months ended March 31,
|--------------------------------------------- | ---------------------------
|                                              | 2003                       
|Supplemental disclosures of                   |                            
|                                              | Cash flow information:     
|                                              |                            
|Noncash investing and financing activities:   |                            
|Conversion of loans to foreclosed real estate | $   147,301                
|Conversion of foreclosed real estate to loans | 110,035                    
|                                              |                            
|Cash paid during the period for:              |                            
|Interest (net of interest credited)           | $2,892,518                 
|Income taxes                                  | 1,008,000                  

---

|                                  | Three Months EndedMarch 31, | Nine Months EndedMarch 31,
|--------------------------------- | --------------------------- | --------------------------
|                                  | 2003                        | 2002                      
|                                  |                             |                           
|Net income                        | $   688,781                 | $   623,475               
|Average Common shares -           |                             |                           
|outstanding basic                 | 1,164,063                   | 1,178,854                 
|Stock options under treasury      |                             |                           
|stock method                      | 33,698                      | 22,790                    
|Average common shares -           |                             |                           
|outstanding diluted               | 1,197,761                   | 1,201,644                 
|Basic earnings per common share   | $ 0.59                      | $ 0.53                    
|Diluted earnings per common share | $ 0.58                      | $ 0.52                    

---

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> the strength of the United States economy in general and the strength of the local economies in which we conduct operations;
> the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board;
> inflation, interest rate, market and monetary fluctuations;
> the timely development of and acceptance of our new products and services and the perceived overall value of these products and services by users, including the features, pricing and
> quality compared to competitors' products and services;
> the willingness of users to substitute our products and services for products and services of our competitors;
> the impact of changes in financial services' laws and regulations (including laws concerning taxes, banking, securities and insurance);
> the impact of technological changes;
> acquisitions;
> changes in consumer spending and saving habits; and
> our success at managing the risks involved in the foregoing.

---

---

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|                                            |                                                | 2003        | 2002     
|------------------------------------------- | ---------------------------------------------- | ----------- | ---------
|Balance, beginning of period                | $1,569,266                                     | $ 1,461,684
|Loans charged off:                          |                                                |            
|                                            | Residential real estate                        | (17,935)    | (24,034) 
|                                            | Commercial real estate                         | (155)       | (11,966) 
|                                            | Commercial business                            | (19,862)    | (95,306) 
|                                            | Consumer                                       | (73,176)    | (110,659)
|                                            | Gross loans charged off                        | (111,128)   | (241,965)
|Recoveries of loans previously charged off: |                                                |            
|                                            | Residential real estate                        | 43          | 437      
|                                            | Commercial real estate                         | 10,000      | -        
|                                            | Commercial business                            | 6,782       | -        
|                                            | Consumer                                       | 35,075      | 25,156   
|                                            | Gross recoveries of loans charged off          | 51,900      | 25,593   
|Net charge offs                             | (59,228)                                       | (216,372)  
|Provision charged to expense                | 270,000                                        | 280,000    
|Balance, end of period                      | $1,780,038                                     | $ 1,525,312
|Ratio of net charge offs during the period  |                                                |            
|                                            | to average loans outstanding during the period | .03%        | .13%     

|Loans past maturity/delinquent 90 days or more       | 03/31/03                   | 6/30/02   | 03/31/02  
|---------------------------------------------------- | -------------------------- | --------- | ----------
|                                                     | Residential real estate    | $  47,000 | $  273,000
|                                                     | Commercial real estate     | -         | 28,000    
|                                                     | Commercial                 | -         | 7,000     
|                                                     | Consumer                   | -         | 28,000    
|Total loans past maturity/delinquent 90 days or more | 47,000                     | 336,000   | 389,000   
|Foreclosed real estate or other real estate owned    | 346,000                    | 383,000   | 406,000   
|                                                     | Total nonperforming assets | $393,000  | $719,000  
|                                                     |                            |           |           
|Percentage nonperforming assets to total assets      | 0.14%                      | 0.27%     | 0.30%     
|Percentage nonperforming loans to net loans          | 0.02%                      | 0.16%     | 0.19%     

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|Item 1 | - | Legal Proceedings                                                                                                                                                                                                                                                                                                   
|------ | - | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   | The Company and the Bank are not involved in any pending legal proceedings other than legal proceedings incident to the business of the Company and the Bank, which
involve aggregate amounts management believes to be immaterial to the financial condition and results of operations of the Company and the Bank.
|       |   |                                                                                                                                                                                                                                                                                                                     
|Item 2 | - | Changes in Securities and Use of Proceeds                                                                                                                                                                                                                                                                           
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   | None                                                                                                                                                                                                                                                                                                                
|       |   |                                                                                                                                                                                                                                                                                                                     
|Item 3 | - | Defaults upon Senior Securities                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   | Not applicable                                                                                                                                                                                                                                                                                                      
|       |   |                                                                                                                                                                                                                                                                                                                     
|Item 4 | - | Submission of Matters to a Vote of Security-Holders                                                                                                                                                                                                                                                                 
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   | None                                                                                                                                                                                                                                                                                                                
|       |   |                                                                                                                                                                                                                                                                                                                     
|Item 5 | - | Other Information                                                                                                                                                                                                                                                                                                   
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   | None                                                                                                                                                                                                                                                                                                                
|       |   |                                                                                                                                                                                                                                                                                                                     
|Item 6 | - | Exhibits and Reports on Form 8-K                                                                                                                                                                                                                                                                                    
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   | (a)                                                                                                                                                                                                                                                                                                                 
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
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|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   | ++                                                                                                                                                                                                                                                                                                                  
|       |   | *                                                                                                                                                                                                                                                                                                                   
|       |   | **                                                                                                                                                                                                                                                                                                                  
|       |   | ***                                                                                                                                                                                                                                                                                                                 
|       |   | ****                                                                                                                                                                                                                                                                                                                
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   | (b)                                                                                                                                                                                                                                                                                                                 
|       |   |                                                                                                                                                                                                                                                                                                                     
|       |   |                                                                                                                                                                                                                                                                                                                     

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|                      | SOUTHERN MISSOURI BANCORP, INC. Registrant                                                           
|--------------------- | -----------------------------------------------------------------------------------------------------
|                      |                                                                                                      
|                      |                                                                                                      
|Date:    May 14, 2003 | /s/ Thadis R. Seifert
Thadis R. SeifertChairman of the Board of Directors                            
|                      |                                                                                                      
|Date:    May 14, 2003 | /s/ Greg A. Steffens
Greg A. SteffensPresident(Principal Executive, Financial and Accounting Officer)

---

|1. | I have reviewed this quarterly report on Form 10-QSB of Southern Missouri Bancorp, Inc.                                                                                                                                                                                                                                                                                                  
|-- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|  
|2. | Based on my knowledge, this quarterly report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements
made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this quarterly report;                                                           
|  
|3. | Based on my knowledge, the financial statements, and other financial information included in this quarterly report, fairly present in all material respects the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this quarterly report;                                                                              
|  
|4. | The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules
13a-14 and 15d-14) for the registrant and have:                                                                                                                                                                   
|  
|   | a)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|   | b)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|   | c)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|5. | The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of
registrant's board of directors (or persons performing the equivalent functions):                                                                                                                                          
|  
|   | a)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|   | b)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|6. | The registrant's other certifying officers and I have indicated in this quarterly report whether or not there were significant changes in internal controls or in other
factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material
weaknesses.

|Date:    May 14, 2003 | /s/ Greg A. Steffens
Greg A. SteffensPresident(Principal Executive Officer)
|--------------------- | ---------------------------------------------------------------------------

---

|1. | I have reviewed this quarterly report on Form 10-QSB of Southern Missouri Bancorp, Inc.                                                                                                                                                                                                                                                                                                  
|-- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|  
|2. | Based on my knowledge, this quarterly report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements
made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this quarterly report;                                                           
|  
|3. | Based on my knowledge, the financial statements, and other financial information included in this quarterly report, fairly present in all material respects the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this quarterly report;                                                                              
|  
|4. | The registrant's other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules
13a-14 and 15d-14) for the registrant and have:                                                                                                                                                                   
|  
|   | a)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|   | b)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|   | c)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|5. | The registrant's other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant's auditors and the audit committee of
registrant's board of directors (or persons performing the equivalent functions):                                                                                                                                          
|  
|   | a)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|   | b)                                                                                                                                                                                                                                                                                                                                                                                       
|  
|6. | The registrant's other certifying officers and I have indicated in this quarterly report whether or not there were significant changes in internal controls or in other
factors that could significantly affect internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material
weaknesses.

|Date:    May 14, 2003 | /s/ Greg A. Steffens
Greg A. SteffensPresident(Principal Financial Officer)
|--------------------- | ---------------------------------------------------------------------------

---