**EXHIBIT 31**

**CERTIFICATION**

|1) | I have reviewed this annual report on Form 10-KSB of Southern Missouri Bancorp, Inc.;                                                                                                                                                                                                                                   
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|2) | Based on my knowledge, this annual 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 annual
report;
|3) | 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;                   
|4) | The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure
controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e) for the registrant
and have:                                                                                              
|   | a)                                                                                                                                                                                                                                                                                                                      
|   | b)                                                                                                                                                                                                                                                                                                                      
|   | c)                                                                                                                                                                                                                                                                                                                      
|5) | The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of
internal control over financial reporting, to the registrant's auditors and the audit committee of
registrant's board of directors (or persons performing the equivalent functions):                             
|   | a)                                                                                                                                                                                                                                                                                                                      
|   | b)                                                                                                                                                                                                                                                                                                                      

|Date: | September 28, 2004 |  | By: | /s/ Greg A. Steffens
Greg A. Steffens
President (*Principal Executive and Principal Financial and**Accounting Officer*)
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