|[**X**] | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934    
|------- | ----------------------------------------------------------------------------------------
|       
|        | For the fiscal year ended June 30, 2002          OR                                     
|       
|[   ]   | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

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|Missouri
	(State or other jurisdiction of incorporation or organization)          |  | 43-1665523
	(I.R.S. Employer Identification No.)
|--------------------------------------------------------------------------------- |  | ------------------------------------------------
|                                                                                  |  |                                                 
|531 Vine Street, Poplar Bluff, Missouri
	(Address of principal executive offices) |  | 63901
	(Zip Code)                               

|Registrant's telephone number, including area code: | (573) 785-1421
|--------------------------------------------------- | --------------

|Securities registered pursuant to Section 12(b) of the Act: | None
|----------------------------------------------------------- | ----

|Securities registered pursuant to Section 12(g)of the Act: | Common Stock, par value $0.01 per share(Title of Class)
|---------------------------------------------------------- | -------------------------------------------------------

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|                        |                              | At June 30,           
|----------------------- | ---------------------------- | ----------------------
|                        |                              | 2002                  
|                        |                              | Amount                
|                        |                              | (Dollars in thousands)
|Type of Loan:           |                              |                       
|Mortgage Loans:         |                              |                       
|                        | One-to four-family           | $120,051              
|                        | Commercial real estate       | 43,036                
|                        | Construction                 | 3,083                 
|                        | Total mortgage loans         | $166,170              
|                        |                              |                       
|Other Loans:            |                              |                       
|                        | Automobile loans             | 14,305                
|                        | Second mortgage              | 789                   
|                        | Loans secured by deposits    | 697                   
|                        | Commercial business          | 29,273                
|                        | Other                        | 2,988                 
|                        |                              | Total other loans     
|                        |                              |                       
|                        |                              | Total loans           
|                        |                              |                       
|Less:                   |                              |                       
|                        | Undisbursed loans in process | $1,414                
|                        | Deferred fees and discounts  | 27                    
|                        | Allowance for loan losses    | 1,569                 
|                        |                              | Net loans receivable  
|                        |                              |                       
|Type of Security:       |                              |                       
|Residential real estate |                              |                       
|                        | One-to four-family           | $121,451              
|                        | Multi-family                 | 1,683                 
|Commercial real estate  | 37,623                       | 17.81                 
|Land                    | 5,413                        | 2.56                  
|Savings accounts        | 697                          | 0.33                  
|Commercial              | 29,273                       | 13.86                 
|Consumer and other      | 18,082                       | 8.56                  
|                        |                              | Total loans           
|                        |                              |                       
|Less:                   |                              |                       
|                        | Undisbursed loans in process | 1,414                 
|                        | Deferred fees and discounts  | 27                    
|                        | Allowance for loan losses    | 1,569                 
|                        |                              | Net loans receivable  

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|                       | WithinOne Year         | AfterOne YearThrough5 Years | After5 YearsThrough10 Years | After10 Years | Total   
|---------------------- | ---------------------- | --------------------------- | --------------------------- | ------------- | --------
|                       | (Dollars in thousands)
|                       |                        |                             |                             |               |         
|One-to four-family     | $30,595                | $21,220                     | $5,000                      | $63,236       | $120,051
|Commercial real estate | 19,815                 | 20,361                      | 428                         | 2,432         | 43,036  
|Construction           | 3,083                  | --                          | --                          | --            | 3,083   
|Consumer               | 2,794                  | 14,691                      | 1,224                       | 70            | 18,779  
|Commercial business    | 17,521                 | 8,595                       | 3,157                       | --            | 29,273  
|Total loans            | $73,808                | $64,867                     | $9,809                      | $65,738       | $214,222

|                       | Fixed Rates            | Adjustable Rates
|---------------------- | ---------------------- | ----------------
|                       | (Dollars in thousands)
|                       |                        |                 
|One-to four-family     | $72,352                | $17,103         
|Commercial real estate | 15,721                 | 7,499           
|Construction           | --                     | --              
|Consumer               | 15,971                 | 14              
|Commercial business    | 11,374                 | 380             
|Total                  | $115,418               | $24,996         

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|                                            | Year Ended June 30,                  
|------------------------------------------- | -------------------------------------
|                                            | 2002                                 
|                                            | (Dollars in thousands)               
|                                            |                                      
|Total mortgage loans at beginning of period | $149,966                             
|Loans originated:                           |                                      
|                                            | One-to four-family residential       
|                                            | Multi-family residential and         
|                                            |                                      
|                                            | Construction loans                   
|                                            |                                      
|                                            |                                      
|Loans purchased:                            |                                      
|                                            | Total loans purchased                
|                                            |                                      
|Loans sold:                                 |                                      
|                                            | Total loans sold                     
|                                            |                                      
|Mortgage loan principal repayments          | (52,791)                             
|                                            |                                      
|Foreclosures                                | (132)                                
|Net loan activity                           | 16,204                               
|                                            |                                      
|                                            | Total mortgage loans at end of period

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|                           | Loans Delinquent For:  | Total LoansDelinquent 60 Daysor More
|-------------------------- | ---------------------- | ------------------------------------
|60-89 Days                 | 90 Days and Over      
|                           | Numbers                | Amounts                             
|                           | (Dollars in thousands)
|                           |                        |                                     
|One-to four-family         | 11                     | $399                                
|Commercial real estate     | --                     | --                                  
|Commercial non-real estate | 1                      | 20                                  
|Mobile home                | 2                      | 14                                  
|Other Consumer             | 8                      | 52                                  
|                           | Totals                 | 22                                  

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|                                              | At June 30,           
|--------------------------------------------- | ----------------------
|                                              | 2002                  
|                                              | (Dollars in thousands)
|                                              |                       
|Nonaccruing loans:                            |                       
|One-to four-family                            | $     96              
|Commercial real estate                        | 28                    
|Consumer                                      | 10                    
|Commercial business                           | ---                   
|Total                                         | $   134               
|                                              |                       
|Loans 90 days past due
   accruing interest:  |                       
|One-to four-family                            | $   177               
|Commercial real estate                        | ---                   
|Consumer                                      | 13                    
|Commercial business                           | 7                     
|Mobile homes                                  | 5                     
|Total                                         | $   202               
|                                              |                       
|Total nonperforming loans                     | $   336               
|                                              |                       
|Foreclosed assets held for sale:              |                       
|Real estate owned                             | $   383               
|Other nonperforming assets                    | 5                     
|Total nonperforming assets                    | $   724               
|                                              |                       
|Total nonperforming loans 

     to net loans | 0.16%                 
|Total nonperforming loans

     to net assets | 0.13%                 
|Total nonperforming assets
   to total assets | 0.27%                 

---

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|                                  | Year Ended June 30,          
|--------------------------------- | -----------------------------
|                                  | 2002                         
|                                  | (Dollars in thousands)       
|                                  |                              
|Allowance at beginning of period  | $1,462                       
|Recoveries                        |                              
|One-to four-family                | ---                          
|Commercial real estate            | 8                            
|Consumer                          | 15                           
|Mobile homes                      | 14                           
|                                  | Total recoveries             
|                                  |                              
|Charge offs:                      |                              
|One-to four-family                | 24                           
|Commercial real estate            | 13                           
|Commercial business               | 95                           
|Consumer                          | 119                          
|Mobile homes                      | 29                           
|                                  | Total charge offs            
|                                  |                              
|                                  | Net charge offs              
|Acquired allowance for losses     | ---                          
|Provision for loan losses         | 350                          
|                                  |                              
|                                  | Balance at end of period     
|                                  |                              
|Ratio of allowance to total loans |                              
|                                  | outstanding at the end of the
|                                  | period                       
|Ratio of net charge offs to       |                              
|                                  | average loans outstanding    
|                                  | during the period            

---

|                                    | At June 30,           
|----------------------------------- | ----------------------
|                                    | 2002                  
|                                    | Amount                
|                                    | (Dollars in thousands)
|                                    |                       
|One-to four-family                  | $   237               
|Construction                        | 24                    
|Commercial real estate              | 602                   
|Consumer                            | 254                   
|Commercial business                 | 450                   
|                                    |                       
|Unallocated                         | 2                     
|Total allowance for 
   loan losses | $1,569                

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|                                 | At June 30,           
|-------------------------------- | ----------------------
|                                 | 2002                  
|                                 | CarryingValue         
|                                 | (Dollars in thousands)
|                                 |                       
|U.S. government agencies         | $  7,080              
|State and political subdivisions | 3,070                 
|FHLB stock                       | 2,350                 
|                                 |                       
|Total                            | $12,500               

|                                  |                                       | Securities Available for SaleJune 30, 2002
|--------------------------------- | ------------------------------------- | ------------------------------------------
|                                  | AmortizedCost                         | Book/EstimatedMarketValue                 
|                                  | (Dollars in thousands)               
|                                  |                                       |                                           
|U.S. government agencies:         |                                       |                                           
|                                  | Due within 1 year                     | $      ---                                
|                                  | Due after 1 year but within 5 years   | 1,027                                     
|                                  | Due after 5 years but within 10 years | 5,960                                     
|                                  | Total                                 | 6,987                                     
|                                  |                                       |                                           
|State and political subdivisions: |                                       |                                           
|                                  | Due within 1 year                     | 870                                       
|                                  | Due after 1 year but within 5 years   | 1,640                                     
|                                  | Due after 5 years but within 10 years | 441                                       
|                                  | Total                                 | 2,951                                     
|                                  |                                       |                                           
|Total Available for Sale          | $9,938                                | $10,150                                   

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|                              | At June 30, 2002      
|----------------------------- | ----------------------
|                              | (Dollars in thousands)
|Amounts due:                  |                       
|Within 1 year                 | $  1,263              
|After 1 year through 3 years  | ---                   
|After 3 years through 5 years | ---                   
|After 5 years                 | 21,049                
|Total                         | $22,312               

|                                                 | At June 30, 2002      
|------------------------------------------------ | ----------------------
|                                                 | (Dollars in thousands)
|Interest rate terms on amounts due after 1 year: |                       
|Fixed                                            | $21,049               
|Adjustable                                       | 1,263                 
|Total                                            | $22,312               

|                                           | At June 30,           
|------------------------------------------ | ----------------------
|                                           | 2002                  
|                                           | CarryingValue         
|                                           | (Dollars in thousands)
|                                           |                       
|FHLMC certificates                         | $  1,361              
|GNMA certificates                          | 906                   
|FNMA certificates                          | 5,004                 
|Collateralized mortgage obligations issued |                       
|                                           | by government agencies
|Collateralized mortgage obligations issued |                       
|                                           | by private issuer     
|                                           |                       
|                                           | Total                 

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|WeightedAverage InterestRate | Term     | Category                      | Minimum | Percentageof TotalDeposits
|---------------------------- | -------- | ----------------------------- | ------- | --------------------------
|Amount                       | Balance 
|                             |          |                               |         | (In thousands)            
|                             |          |                               |         |                           
|0.00%                        | None     | Non-interest Bearing          | $100    | $  10,207                 
|0.79                         | None     | NOW Accounts                  | 100     | 19,477                    
|2.33                         | None     | Savings Accounts              | 100     | 56,038                    
|2.20                         | None     | Money Market Deposit Accounts | 1,000   | 18,974                    
|                             |          |                               |         |                           
|                             |          | Certificates of Deposit       |         |                           
|2.09%                        | 91-day   | Fixed-term/Fixed-rate         | 500     | 722                       
|1.99                         | 91-day   | IRA Fixed-term/Fixed-rate     | 500     | 33                        
|2.25                         | 5 month  | Fixed-term/Fixed-rate         | 500     | 1,318                     
|2.38                         | 6 month  | Fixed-term/Fixed-rate         | 500     | 9,414                     
|2.40                         | 6 month  | IRA Fixed-term/Fixed-rate     | 500     | 1,089                     
|2.24                         | 7 month  | Fixed-term/Fixed-rate         | 500     | 556                       
|2.77                         | 9 month  | Fixed-term/Fixed-rate         | 500     | 4,112                     
|2.72                         | 9 month  | IRA Fixed-term/Fixed-rate     | 500     | 1,826                     
|3.15                         | 11 month | Fixed-term/Fixed-rate         | 500     | 6,797                     
|3.23                         | 11 month | IRA Fixed-term/Fixed-rate     | 500     | 1,234                     
|3.18                         | 12 month | Fixed-term/Fixed-rate         | 500     | 17,330                    
|2.88                         | 12 month | IRA Fixed-term/Fixed-rate     | 500     | 2,942                     
|3.03                         | 13 month | Fixed-term/Fixed-rate         | 500     | 360                       
|2.72                         | 14 month | Fixed-term/Fixed-rate         | 500     | 5                         
|3.32                         | 15 month | Fixed-term/Fixed-rate         | 500     | 1,753                     
|3.75                         | 18 month | Fixed-term/Fixed-rate         | 500     | 1,695                     
|3.41                         | 18 month | IRA Fixed-term/Fixed-rate     | 500     | 527                       
|4.93                         | 24 month | Fixed-term/Fixed-rate         | 500     | 4,429                     
|5.30                         | 24 month | IRA Fixed-term/Fixed-rate     | 500     | 721                       
|1.70                         | 24 month | IRA Fixed-term/Variable rate  | 500     | 578                       
|3.15                         | 25 month | Fixed-term/Fixed-rate         | 500     | 518                       
|6.15                         | 29 month | Fixed-term/Fixed-rate         | 500     | 14                        
|5.06                         | 30 month | Fixed-term/Fixed-rate         | 500     | 709                       
|3.94                         | 35 month | Fixed-term/Fixed-rate         | 500     | 1,792                     
|3.94                         | 35 month | IRA Fixed-term/Fixed-rate     | 500     | 225                       
|4.66                         | 36 month | Fixed-term/Fixed-rate         | 500     | 7,168                     
|5.32                         | 36 month | IRA Fixed-term/Fixed-rate     | 500     | 3,604                     
|4.87                         | 48 month | Fixed-term/Fixed-rate         | 500     | 1,025                     
|4.96                         | 48 month | IRA Fixed-term/Fixed-rate     | 500     | 152                       
|4.94                         | 55 month | Fixed-term/Fixed-rate         | 500     | 5,700                     
|4.94                         | 55 month | Fixed-term/Fixed-rate         | 500     | 766                       
|5.08                         | 60 month | Fixed-term/Fixed-rate         | 500     | 3,744                     
|5.47                         | 60 month | IRA Fixed-term/Fixed-rate     | 500     | 1,339                     
|7.95                         | 96 month | Fixed-term/Fixed-rate         | 500     | 54                        
|                             |          |                               |         |                           
|                             |          |                               |         | $188,947                  

---

|Maturity Period                | Amount                
|------------------------------ | ----------------------
|                               | (Dollars in thousands)
|                               |                       
|Three months or less           | $  5,451              
|Over three through six months  | 2,780                 
|Over six through twelve months | 2,038                 
|Over 12 months                 | 9,751                 
|Total                          | $20,020               

|             | At June 30,           
|------------ | ----------------------
|             | 2002                  
|             | (Dollars in thousands)
|             |                       
|1.00 - 1.99% | $  1,087              
|2.00 - 2.99% | 37,450                
|3.00 - 3.99% | 14,356                
|4.00 - 4.99% | 17,579                
|5.00 - 5.99% | 8,882                 
|6.00 - 6.99% | 4,832                 
|7.00 - 7.99% | 12                    
|8.00 - 8.99% | 53                    
|             |                       
|Total        | $84,251               

|             | Amount Due            
|------------ | ----------------------
|             | LessThan OneYear      
|             | (Dollars in thousands)
|             |                       
|1.00 - 1.99% | $   790               
|2.00 - 2.99% | 35,223                
|3.00 - 3.99% | 10,093                
|4.00 - 4.99% | 4,293                 
|5.00 - 5.99% | 3,118                 
|6.00 - 6.99% | 3,278                 
|7.00 - 7.99% | 12                    
|8.00 - 8.99% | 53                    
|             |                       
|Total        | $56,860               

---

|                                                               | At June 30,           
|-------------------------------------------------------------- | ----------------------
|                                                               | 2002                  
|                                                               | Amount                
|                                                               | (Dollars in thousands)
|                                                               |                       
|Noninterest bearing                                            | $  10,207             
|NOW checking                                                   | 19,477                
|Regular savings accounts                                       | 56,038                
|Money market deposit                                           | 18,974                
|Fixed-rate certificates
   which mature(1):                    |                       
|Within one year                                                | 56,586                
|Within three years                                             | 16,869                
|After three years                                              | 10,218                
|Variable-rate certificates
   which mature within
   one year  | 274                   
|Variable-rate certificates
   which mature within
   two years | 304                   
|Total                                                          | $188,947              

|(1) | At June 30, 2002, 2001 and 2000, certificates in excess of $100,000 totaled $20.0, $12.9 million and $20.5 million, respectively.
|--- | ---------------------------------------------------------------------------------------------------------------------------------

---

|                                                 | At June 30,           
|------------------------------------------------ | ----------------------
|                                                 | 2002                  
|                                                 | (Dollars in thousands)
|                                                 |                       
|Beginning Balance                                | $173,281              
|                                                 |                       
|Net increase (decrease) before interest credited | 11,338                
|Interest credited                                | 4,328                 
|Net increase (decrease) in savings deposits      | 15,666                
|                                                 |                       
|Ending balance                                   | $188,947              

---

|                  |                                                | Year Ended June 30,        
|----------------- | ---------------------------------------------- | ---------------------------
|                  |                                                | 2002                       
|                  |                                                | (Dollars in thousands)     
|Year end balances |                                                |                            
|                  | Short-term FHLB advances                       | $     ---                  
|                  | Securities sold under agreements to repurchase | 4,311                      
|                  |                                                | Total short-term borrowings
|                  |                                                |                            
|                  | Weighted average rate at year end              | 1.75%                      

|                                               |                                      | Year Ended June 30,   
|---------------------------------------------- | ------------------------------------ | ----------------------
|                                               |                                      | 2002                  
|                                               |                                      | (Dollars in thousands)
|Short term FHLB advances                       |                                      |                       
|                                               | Daily average balance                | $       3             
|                                               | Weighted average interest rate       | 2.10%                 
|                                               | Maximum outstanding at any month end | $1,000                
|                                               |                                      |                       
|Securities sold under agreements to repurchase |                                      |                       
|                                               | Daily average balance                | $4,694                
|                                               | Weighted average interest rate       | 2.13%                 
|                                               | Maximum outstanding at any month end | $5,453                

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|                                         | At June 30, 2002      
|---------------------------------------- | ----------------------
|                                         | Amount                
|                                         | (Dollars in thousands)
|                                         |                       
|Tier 1 (leverage) capital                | $19,511               
|Tier 1 (leverage) capital requirement(2) | 10,385                
|Excess                                   | $  9,126              
|                                         |                       
|Tier 1 risk adjusted capital             | $19,511               
|Tier 1 risk adjusted capital requirement | 6,894                 
|Excess                                   | $12,617               
|                                         |                       
|Total risk-based capital                 | $21,080               
|Total risk-based capital requirement     | 13,788                
|Excess                                   | $  7,292              

|(1) | For the Tier 1 (leverage) capital and Missouri regulatory capital calculations, percent of total average assets of $260 million.  For the Tier
1 risk-based capital and total risk-based capital calculations, percent of total risk-weighted assets of $112 million.                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|--- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(1) | As a Missouri-chartered savings bank, the Bank is subject to the capital requirements of the FDIC and the Missouri Division of Finance.
The FDIC requires state-chartered savings banks, including the Bank, to have a minimum leverage ratio of Tier 1 capital to total assets of at least
3%, provided, however, that all institutions, other than those (i) receiving the highest rating during the examination process and (ii) not anticipating
any significant growth, are required to maintain a ratio of 1% to 2% above the stated minimum, with an absolute total capital to risk-weighted assets
of at least 8%.  The Bank has not been notified by the FDIC of any leverage capital requirement specifically applicable to it.

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|Location                                | YearOpened             | Building NetBook Value as ofJune 30, 2002 | LandOwned/Leased | BuildingOwned/
|--------------------------------------- | ---------------------- | ----------------------------------------- | ---------------- | --------------
|                                        | (Dollars in thousands)
|Main Office                             |                        |                                           |                  |               
|                                        |                        |                                           |                  |               
|531 Vine Street

Poplar Bluff, Missouri | 1966                   | $576                                      | Owned            | Owned         
|                                        |                        |                                           |                  |               
|Branch Offices                          |                        |                                           |                  |               
|                                        |                        |                                           |                  |               
|Highway 60

Van Buren, Missouri         | 1982                   | 135                                       | Owned            | Owned         
|                                        |                        |                                           |                  |               
|1330 Highway 67

Poplar Bluff, Missouri | 1976                   | **---**                                   | Leased(1)        | Owned         
|                                        |                        |                                           |                  |               
|Highway PP

Poplar Bluff, Missouri      | 2001                   | 918                                       | Owned            | Owned         
|                                        |                        |                                           |                  |               
|Business 60 West

Dexter, Missouri      | 1979                   | 200                                       | Owned            | Owned         
|                                        |                        |                                           |                  |               
|301 First Street

Kennett, Missouri     | 1982                   | 1,012                                     | Owned            | Owned         
|                                        |                        |                                           |                  |               
|302 Washington

Doniphan, Missouri      | 2001                   | 958                                       | Owned            | Owned         
|                                        |                        |                                           |                  |               
|Highway 53

Quiln, Missouri             | 2000                   | 67                                        | Owned            | Owned         

|(1) | Lease expires on November 30, 2014.
|--- | -----------------------------------

---

> Independent Auditors' Report*(a)Consolidated Statements of Financial Condition as of June 30, 2002 and 2001*(b)Consolidated Statements of Income for the Years Ended June 30, 2002, 2001 and 2000*(c)Consolidated Statements of Stockholders' Equity For the Years Ended June 30, 2002, 2001 and 2000*(d)Consolidated Statements of Cash Flows For the Years Ended June 30, 2002, 2001 and 2000*(e)Notes to Consolidated Financial Statements*

|* | Contained in the Annual Report filed as an exhibit hereto and incorporated herein  by reference.  All schedules have been omitted as the required information is either inapplicable or contained in the Consolidated Financial Statements or related Notes contained in the Annual Report.
|- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

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|Plan Category                                              | Number of securities tobe issued upon exerciseof outstanding optionswarrants and rights | Weighted-averageexercise price ofoutstanding optionswarrants and rights | Number of Securitiesremaining available  forfuture issuance underequity compensation plans
|---------------------------------------------------------- | --------------------------------------------------------------------------------------- | ----------------------------------------------------------------------- | ------------------------------------------------------------------------------------------
|Equity Compensation Plans
Approved By Security
Holders     | 98,257                                                                                  | $13.67                                                                  | 47,050                                                                                    
|Equity Compensation Plans
Not Approved By Security
Holders | ---                                                                                     | ---                                                                     | ---                                                                                       

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|                         |     | SOUTHERN MISSOURI BANCORP, INC.                                                       
|------------------------ | --- | --------------------------------------------------------------------------------------
|                         |     |                                                                                       
|                         |     |                                                                                       
|Date: September 30, 2002 | By: | /s/ Greg A. Steffens	

Greg A. Steffens

President

(*Duly Authorized Representative*)

|By: | /s/ Thadis R. Seifert	

Thadis R. Seifert

Chairman of the Board of Directors                                       |  | September 30, 2002
|--- | ------------------------------------------------------------------------------------------------------------------- |  | ------------------
|    |                                                                                                                     |  |                   
|By: | /s/ Greg A. Steffens	

Greg A. Steffens 

President 

(*Principal Executive and Financial**and Accounting Officer*) |  | September 30, 2002
|    |                                                                                                                     |  |                   
|By: | /s/ Leonard W. Ehlers	

Leonard W. Ehlers

Director and Vice Chairman                                               |  | September 30, 2002
|    |                                                                                                                     |  |                   
|By: | /s/ Samuel H. Smith	

Samuel H. Smith

Director and Secretary                                                       |  | September 30, 2002
|    |                                                                                                                     |  |                   
|By: | /s/ James W. Tatum	

James W. Tatum

Vice President and Director                                                    |  | September 30, 2002
|    |                                                                                                                     |  |                   
|By: | /s/ Ronnie D. Black	

Ronnie D. Black

Director                                                                     |  | September 30, 2002
|    |                                                                                                                     |  |                   
|By: | /s/ L. Douglas Bagby	

L. Douglas Bagby

Director                                                                   |  | September 30, 2002
|    |                                                                                                                     |  |                   
|By: | /s/ Sammy A. Schalk	

Sammy A. Schalk

Director                                                                     |  | September 30, 2002

---

> I have reviewed this annual report on Form 10-KSB of Southern Missouri Bancorp, Inc.;
> 
> Based on my knowledge, this annual report does not contain any untrue statement of 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 annual report;
> 
> Based on my knowledge, the financial statements, and other financial information included in this
> annual 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 annual report.

|Date: | September 30, 2002 |  | By: | /s/ Greg A. Steffens	

Greg A. Steffens 

President 

(*Principal Executive and Principal Financial**and Accounting Officer*)
|----- | ------------------ |  | --- | -----------------------------------------------------------------------------------------------------------------------------

|Date: | September 30, 2002 |  | By: | /s/ Greg A. Steffens	

Greg A. Steffens 

President 

(*Principal Executive and Principal Financial**and Accounting Officer*)
|----- | ------------------ |  | --- | -----------------------------------------------------------------------------------------------------------------------------

---

|**Regulation S-BExhibit Number** | **Document**                                          | **Reference toPrior Filingor Exhibit NumberAttached Hereto**                      
|-------------------------------- | ----------------------------------------------------- | ----------------------------------------------------------------------------------
|                                 |                                                       |                                                                                   
|3(i)                             | Certificate of Incorporation of the Registrant        | ++                                                                                
|3(ii)                            | Bylaws of the Registrant                              | ++                                                                                
|10                               | Material contracts:                                   |                                                                                   
|                                 | (a)                                                   | Registrant's 1994 Stock Option Plan                                               
|                                 | (b)                                                   | Southern Missouri Savings Bank, FSB 

Management Recognition and Development Plans
|                                 | (c)                                                   | Employment Agreements:                                                            
|                                 |                                                       | (i)                                                                               
|                                 |                                                       | (ii)                                                                              
|                                 | (d)                                                   | Director's Retirement Agreements                                                  
|                                 |                                                       | (i)                                                                               
|                                 |                                                       | (ii)                                                                              
|                                 |                                                       | (iv)                                                                              
|                                 |                                                       | (v)                                                                               
|                                 |                                                       | (vi)                                                                              
|                                 |                                                       | (vii)                                                                             
|                                 |                                                       | (viii)                                                                            
|                                 |                                                       | (ix)                                                                              
|                                 | (e)                                                   | Tax Sharing Agreement                                                             
|11                               | Statement Regarding Computation of Per Share Earnings | 11                                                                                
|13                               | 2002 Annual Report to Stockholders                    | 13                                                                                
|21                               | Subsidiaries of the Registrant                        | 21                                                                                
|23                               | Consent of Auditors                                   | 23                                                                                

|*    | Filed as an exhibit to the Registrant's 1994 annual meeting proxy statement dated October 21, 1994.    
|---- | -------------------------------------------------------------------------------------------------------
|**   | Filed as an exhibit to the Registrant's Annual Report on Form 10-KSB for the year ended June 30, 1999. 
|***  | Filed as an exhibit  to the Registrant's Annual Report on Form 10-KSB for the year ended June 30, 1995.
|**** | Filed as an exhibit to the registrant's Report on Form 10-QSB for the quarter ended December 31, 2000. 
|++   | Filed as an exhibit to the Registrant's Annual Report on Form 10-KSB for the year ended June 30, 1999. 

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