| [X]                  | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934                  |
|----------------------|-------------------------------------------------------------------------------------------------------|
|                 |
|                 | For the fiscal year ended June 30, 2009          OR |
|                 |
| [   ] | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934         |

----

| 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)                                |
|                                                                                  |   |                                           |

| Securities registered pursuant to Section 12(b) of the Act: |
|-------------------------------------------------------------|
| Title of each class:Common Stock, par value $0.01 per share | Name of each exchange on which registered:The NASDAQ Stock Market LLC |

|   | · | 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. |
|--------|--------|--------------------------------------------------------------|

|                                                                                                                                                                                                                                                                                 |   | At June 30,            |    |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------|---------|
|                                                                                                                                                                                                                                                                                 |   | 2009                   |    |   | 2008 |   |   | 2007 |   |
|                                                                                                                                                                                                                                                                                 |   | Amount                 |    |   | Percent |   |   | Amount |   |   | Percent |   |   | Amount |   |   | Percent |   |
|                                                                                                                                                                                                                                                                                 |   | (Dollars in thousands) |    |
| Type of Loan:                                                                                                                                                                                                                                                                        |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage Loans:                                                                                                                                                                                                                                                                      |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential real estate                                                                                                                                                                                                                                                              |   | $                      | 155,490 |   |   |   | 42.19 | % |   | $ | 149,340 |   |   |   | 43.53 | % |   | $ | 135,288 |   |   |   | 43.35 | % |
| Commercial real estate(1)                                                                                                                                                                                                                                                            |   |                   | 97,161  |   |   |   | 26.36 |   |   |   | 85,860 |   |   |   | 25.03 |   |   |   | 77,723 |   |   |   | 24.91 |   |
| Construction                                                                                                                                                                                                                                                                         |   |                   | 23,532  |   |   |   | 6.38 |   |   |   | 13,945 |   |   |   | 4.06 |   |   |   | 7,981 |   |   |   | 2.56 |   |
| Total mortgage loans                                                                                                                                                                                                                                                                 |   |                   | 276,183 |   |   |   | 74.93 |   |   |   | 249,145 |   |   |   | 72.62 |   |   |   | 220,942 |   |   |   | 70.82 |   |
|                                                                                                                                                                                                                                                                                 |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Other Loans:                                                                                                                                                                                                                                                                         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Automobile loans                                                                                                                                                                                                                                                                     |   |                   | 8,329   |   |   |   | 2.26 |   |   |   | 8,872 |   |   |   | 2.56 |   |   |   | 9,462 |   |   |   | 3.03 |   |
| Commercial business(2)                                                                                                                                                                                                                                                               |   |                   | 89,066  |   |   |   | 24.17 |   |   |   | 81,575 |   |   |   | 23.78 |   |   |   | 76,053 |   |   |   | 24.37 |   |
| Home equity                                                                                                                                                                                                                                                                          |   |                   | 10,976  |   |   |   | 2.98 |   |   |   | 8,213 |   |   |   | 2.39 |   |   |   | 6,548 |   |   |   | 2.10 |   |
| Other                                                                                                                                                                                                                                                                                |   |                   | 3,836   |   |   |   | 1.04 |   |   |   | 4,439 |   |   |   | 1.32 |   |   |   | 3,407 |   |   |   | 1.09 |   |
| Total other loans                                                                                                                                                                                                                                                                    |   |                   | 112,207 |   |   |   | 30.45 |   |   |   | 103,099 |   |   |   | 30.05 |   |   |   | 95,470 |   |   |   | 30.59 |   |
|                                                                                                                                                                                                                                                                                 |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total loans                                                                                                                                                                                                                                                                          |   | $                      | 388,390 |   |   |   | 105.38 |   |   | $ | 352,244 |   |   |   | 102.67 |   |   | $ | 316,412 |   |   |   | 101.41 |   |
|                                                                                                                                                                                                                                                                                 |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Less:                                                                                                                                                                                                                                                                                |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Undisbursed loans in process                                                                                                                                                                                                                                                         |   | $                      | 15,511  |   |   |   | 4.21 |   |   | $ | 5,668 |   |   |   | 1.65 |   |   | $ | 1,913 |   |   |   | 0.61 |   |
| Deferred fees and discounts                                                                                                                                                                                                                                                          |   |                   | (107    | ) |   |   | (0.03 | ) |   |   | (61 | ) |   |   | (0.02 | )   |   |   | (52 | ) |   |   | (0.02 | )   |
| Allowance for loan losses                                                                                                                                                                                                                                                            |   |                   | 4,430   |   |   |   | 1.20 |   |   |   | 3,567 |   |   |   | 1.04 |   |   |   | 2,538 |   |   |   | 0.81 |   |
| Net loans receivable                                                                                                                                                                                                                                                                 |   | $                      | 368,556 |   |   |   | 100.00 | % |   | $ | 343,070 |   |   |   | 100.00 | % |   | $ | 312,013 |   |   |   | 100.00 | % |
|                                                                                                                                                                                                                                                                                 |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Type of Security:                                                                                                                                                                                                                                                                    |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential real estate                                                                                                                                                                                                                                                              |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| One-to four-family                                                                                                                                                                                                                                                                   |   | $                      | 158,739 |   |   |   | 43.07 |   |   | $ | 154,403 |   |   |   | 45.01 |   |   | $ | 137,289 |   |   |   | 43.99 | % |
| Multi-family                                                                                                                                                                                                                                                                         |   |                   | 14,171  |   |   |   | 3.84 |   |   |   | 22,971 |   |   |   | 6.70 |   |   |   | 6,205 |   |   |   | 1.99 |   |
| Commercial real estate                                                                                                                                                                                                                                                               |   |                   | 74,937  |   |   |   | 20.33 |   |   |   | 58,365 |   |   |   | 17.01 |   |   |   | 63,139 |   |   |   | 20.23 |   |
| Land                                                          |   |                   | 29,584  |   |   |   | 8.03 |   |   |   | 24,891 |   |   |   | 7.26 |   |   |   | 16,187 |   |   |   | 5.19 |   |
| Commercial                                                    |   |                   | 87,817  |   |   |   | 23.83 |   |   |   | 68,379 |   |   |   | 19.93 |   |   |   | 74,226 |   |   |   | 23.79 |   |
| Consumer and other                                            |   |                   | 23,142  |   |   |   | 6.28 |   |   |   | 23,235 |   |   |   | 6.77 |   |   |   | 19,416 |   |   |   | 6.22 |   |
| Total loans                                                                                                                                                                                                                                                                          |   | $                      | 388,390 |   |   |   | 105.38 |   |   | $ | 352,244 |   |   |   | 102.67 |   |   | $ | 316,462 |   |   |   | 101.41 |   |
|                                                                                                                                                                                                                                                                                 |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Less:                                                                                                                                                                                                                                                                                |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Undisbursed loans in process                                                                                                                                                                                                                                                         |   | $                      | 15,511  |   |   |   | 4.21 |   |   | $ | 5,668 |   |   |   | 1.65 |   |   |   | 1,913 |   |   |   | 2.04 |   |
| Deferred fees and discounts                                                                                                                                                                                                                                                          |   |                   | (107    | ) |   |   | (0.03 | ) |   |   | (61 | ) |   |   | (0.02 | )   |   |   | (52 | ) |   |   | (0.02 | )   |
| Allowance for loan losses                                                                                                                                                                                                                                                            |   |                   | 4,430   |   |   |   | 1.20 |   |   |   | 3,567 |   |   |   | 1.04 |   |   |   | 2,538 |   |   |   | 0.81 |   |
| Net loans receivable                                                                                                                                                                                                                                                                 |   | $                      | 368,556 |   |   |   | 100.00 | % |   | $ | 343,070 |   |   |   | 100.00 | % |   | $ | 312,063 |   |   |   | 100.00 | % |
|                                                                                                                                                                                                                                                                                 |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

| (1) | Commercial real estate loan balances included farmland and other agricultural-related real estate loans of $21.3 million, $14.9 million, and $9.1 million, as of June 30, 2009, 2008, and 2007, respectively. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Commercial business loan balances included agricultural equipment and production loans of $27.5 million, $22.7 million, and $15.9 million as of June 30, 2009, 2008, and 2007, respectively. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                         |   | At June 30,            |    |
|------------------------------|--------|------------------------|---------|
|                         |   | 2009                   |    |   | 2008 |   |   | 2007 |   |
|                         |   | Amount                 |    |   | Percent |   |   | Amount |   |   | Percent |   |   | Amount |   |   | Percent |   |
|                         |   | (Dollars in thousands) |    |
| Type of Loan:                |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fixed-Rate Loans:            |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential real estate      |   | $                      | 107,994 |   |   |   | 29.30 | % |   | $ | 108,052 |   |   |   | 31.50 | % |   | $ | 97,922 |   |   |   | 31.38 | % |
| Commercial real estate       |   |                   | 52,169  |   |   |   | 14.15 |   |   |   | 63,983 |   |   |   | 18.65 |   |   |   | 46,410 |   |   |   | 14.87 |   |
| Construction                 |   |                   | 18,444  |   |   |   | 5.00 |   |   |   | 13,005 |   |   |   | 3.79 |   |   |   | 5,329 |   |   |   | 1.71 |   |
| Consumer                     |   |                   | 12,140  |   |   |   | 3.29 |   |   |   | 13,280 |   |   |   | 3.87 |   |   |   | 12,821 |   |   |   | 4.11 |   |
| Commercial business          |   |                   | 50,364  |   |   |   | 13.67 |   |   |   | 59,796 |   |   |   | 17.43 |   |   |   | 40,167 |   |   |   | 12.87 |   |
|                         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total fixed-rate loans       |   |                   | 241,111 |   |   |   | 65.41 |   |   |   | 258,116 |   |   |   | 75.24 |   |   |   | 202,649 |   |   |   | 64.94 |   |
|                         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adjustable-Rate Loans:       |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential real estate      |   |                   | 47,497  |   |   |   | 12.89 |   |   |   | 41,288 |   |   |   | 12.03 |   |   |   | 37,366 |   |   |   | 11.98 |   |
| Commercial real estate       |   |                   | 44,992  |   |   |   | 12.21 |   |   |   | 21,877 |   |   |   | 6.38 |   |   |   | 31,313 |   |   |   | 10.03 |   |
| Construction                 |   |                   | 5,087   |   |   |   | 1.38 |   |   |   | 940 |   |   |   | 0.27 |   |   |   | 2,652 |   |   |   | 0.85 |   |
| Consumer                     |   |                   | 11,002  |   |   |   | 2.99 |   |   |   | 8,244 |   |   |   | 2.40 |   |   |   | 6,595 |   |   |   | 2.11 |   |
| Commercial business          |   |                   | 38,701  |   |   |   | 10.50 |   |   |   | 21,779 |   |   |   | 6.35 |   |   |   | 35,887 |   |   |   | 11.50 |   |
|                         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total adjustable-rate loans  |   |                   | 147,279 |   |   |   | 39.97 |   |   |   | 94,128 |   |   |   | 27.43 |   |   |   | 113,813 |   |   |   | 36.47 |   |
|                         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total Loans                  |   | $                      | 388,390 |   |   |   | 105.38 |   |   |   | 352,244 |   |   |   | 102.67 |   |   |   | 316,462 |   |   |   | 101.41 |   |
|                         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Less:                        |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Undisbursed loans in process |   |                   | 15,511  |   |   |   | 4.21 |   |   |   | 5,668 |   |   |   | 1.65 |   |   |   | 1,913 |   |   |   | 0.61 |   |
| Net deferred loan fees       |   |                   | (107    | ) |   |   | (0.03 | ) |   |   | (61 | ) |   |   | (0.02 | )   |   |   | (52 | ) |   |   | (0.02 | )   |
| Allowance for loan loss      |   |                   | 4,430   |   |   |   | 1.20 |   |   |   | 3,567 |   |   |   | 1.04 |   |   |   | 2,538 |   |   |   | 0.81 |   |
| Net loans receivable         |   | $                      | 368,556 |   |   |   | 100.00 | % |   | $ | 343,070 |   |   |   | 100.00 | % |   | $ | 312,063 |   |   |   | 100.00 | % |

|                                             |   | Less Than1 year |    |   | 1-3 Years |   |   | 4-5 years |   |   | More Than5 Years |   |   | Total  |   |
|--------------------------------------------------|--------|-----------------|---------|--------|-----------|--------|--------|-----------|--------|--------|------------------|--------|--------|--------|--------|
|                                             |   | (In Thousands)  |    |
| Federal Home Loan Bank   advances |   | $               | 26,250  |   |      | $      | 19,000 |      |   | $      | 6,000            |   |   | $      | 27,500 |   |   | $ | 78,750 |   |
| Certificates of deposit                          |   |            | 112,810 |   |      |   | 37,630 |      |   |   | 9,860            |   |   |   | 6      |   |   |   | 160,306 |   |
|    Total                          |   | $               | 139,060 |   |      | $      | 56,630 |      |   | $      | 15,860           |   |   | $      | 27,506 |   |   | $ | 239,056 |   |
|                                             |   |            |    |   |      |   |   |      |   |   |             |   |   |   |   |   |   |   |   |   |
|                                             |   | Less Than1 year |    |   | 1-3 Years |   |   | 4-5 years |   |   | More Than5 Years |   |   | Total  |   |
|                                             |   | (In Thousands)  |    |
|                                             |   |            |    |   |      |   |   |      |   |   |             |   |   |   |   |   |   |   |   |   |
| Construction loans in process                    |   | $               | 6,003   |   |      | $      | 9,508  |      |   | $      | ---              |   |   | $      | ---    |   |   | $ | 15,511 |   |
| Other commitments                                |   |            | 41,342  |   |      |   | 870    |      |   |   | 1,433            |   |   |   | 5,011  |   |   |   | 48,656 |   |
|                                             |   | $               | 47,345  |   |      | $      | 10,378 |      |   | $      | 1,433            |   |   | $      | 5,011  |   |   | $ | 64,167 |   |
|                                             |   |            |    |   |      |   |   |      |   |   |             |   |   |   |   |   |   |   |   |   |

|                                |   |   WithinOne Year |    |   | AfterOne YearThrough5 Years |   |    | After5 YearsThrough10 Years |   |   |   After10 Years |   |   |    Total |   |
|-------------------------------------|--------|----------------------------|---------|--------|-----------------------------|--------|---------|-----------------------------|--------|--------|---------------------------|--------|--------|-------------------------|--------|
|                                |   | (In thousands)             |    |
|                                |   |                       |    |   |                        |   |    |                        |   |   |                      |   |   |                    |   |
| Residential real estate             |   | $                          | 24,382  |   |                        | $      | 34,025  |                        |   | $      | 19,055                    |   |   | $                       | 78,028 |   |   | $ | 155,490 |   |
| Commercial real estate              |   |                       | 27,157  |   |                        |   | 62,966  |                        |   |   | 2,128                     |   |   |                    | 4,910  |   |   |   | 97,161 |   |
| Construction                        |   |                       | 12,554  |   |                        |   | 10,978  |                        |   |   | ---                       |   |   |                    | ---    |   |   |   | 23,532 |   |
| Consumer                            |   |                       | 2,615   |   |                        |   | 11,022  |                        |   |   | 9,505                     |   |   |                    | ---    |   |   |   | 23,142 |   |
| Commercial business                 |   |                       | 47,451  |   |                        |   | 33,414  |                        |   |   | 735                       |   |   |                    | 7,465  |   |   |   | 89,065 |   |
|     Total loans |   | $                          | 114,159 |   |                        | $      | 152,405 |                        |   | $      | 31,423                    |   |   | $                       | 90,403 |   |   | $ | 388,390 |   |
|                                |   |                       |    |   |                        |   |    |                        |   |   |                      |   |   |                    |   |   |   |   |   |   |

|                                                                                                                                                                                                                                                                                                                                                                                                       |   | Year Ended June 30,    |    |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------|---------|
|                                                                                                                                                                                                                                                                                                                                                                                                       |   | 2009                   |    |   | 2008 |   |   | 2007 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                       |   | (Dollars in thousands) |    |
|                                                                                                                                                                                                                                                                                                                                                                                                       |   |                   |    |   |   |   |   |   |   |
| Total loans at beginning of period                                                                                                                                                                                                                                                                                                                                                                         |   | $                      | 352,244 |   |   | $ | 316,462 |   |   | $ | 288,662 |   |
| Loans originated:                                                                                                                                                                                                                                                                                                                                                                                          |   |                   |    |   |   |   |   |   |   |   |   |   |
|     One-to four-family residential                                                                                                                                                                                                                                                                                                                                                     |   |                   | 36,598  |   |   |   | 31,879 |   |   |   | 29,935 |   |
|     Multi-family residential and        commercial real estate                                                                                                                                                                                                                                                                                 |   |                   | 45,956  |   |   |   | 39,518 |   |   |   | 36,976 |   |
|     Construction loans                                                                                   |   |                   | 11,821  |   |   |   | 10,815 |   |   |   | 10,887 |   |
|     Commercial and industrial                                                                                                                                                                                                                                                                                                                                                          |   |                   | 30,921  |   |   |   | 25,350 |   |   |   | 38,342 |   |
|     Consumer and others                                                                                  |   |                   | 15,959  |   |   |   | 16,065 |   |   |   | 14,803 |   |
|         Total loans originated                                                       |   |                   | 141,255 |   |   |   | 123,627 |   |   |   | 130,943 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                       |   |                   |    |   |   |   |   |   |   |   |   |   |
| Loans purchased:                                                                                                                                                                                                                                                                                                                                                                                           |   |                   |    |   |   |   |   |   |   |   |   |   |
|     Total loans purchased                                                                                |   |                   | 10,887  |   |   |   | 17,725 |   |   |   | 14,220 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                       |   |                   |    |   |   |   |   |   |   |   |   |   |
| Loans sold:                                                                                                                                                                                                                                                                                                                                                                                                |   |                   |    |   |   |   |   |   |   |   |   |   |
|   Total loans sold                                                                                                 |   |                   | (10,203 | ) |   |   | (4,566 | ) |   |   | (10,599 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                       |   |                   |    |   |   |   |   |   |   |   |   |   |
| Principal repayments                                                                                                         |   |                   | (92,906 | ) |   |   | (90,425 | ) |   |   | (98,655 | ) |
| Participation principal repayments                                                                                                                                                                                                                                                                                                                                                                         |   |                   | (12,410 | ) |   |   | (9,925 | ) |   |   | (7,820 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                       |   |                   |    |   |   |   |   |   |   |   |   |   |
| Foreclosures                                                                                                                 |   |                   | (477    | ) |   |   | (654 | ) |   |   | (289 | ) |
| Net loan activity                                                                                                            |   |                   | 36,146  |   |   |   | 35,782 |   |   |   | 27,800 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                       |   |                   |    |   |   |   |   |   |   |   |   |   |
|         Total loans at end of period                                                                                                                                                                                                                                                                                                                               |   | $                      | 388,390 |   |   | $ | 352,244 |   |   | $ | 316,462 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                       |   |                   |    |   |   |   |   |   |   |   |   |   |

|                                                                                                                                                                                                                                                                                                               |   | Loans Delinquent For:  |   |   |  Total Loans |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------|--------|--------|-------------------|--------|
|                                                                                                                                                                                                                                                                                                               |   | 60-89 Days             |   |   | 90 Days and Over  |   |   | Delinquent 60 Daysor More |   |
|                                                                                                                                                                                                                                                                                                               |   | Numbers                |   |   | Amounts           |   |   | Numbers |   |   | Amounts |   |   | Numbers |   |   | Amounts |   |
|                                                                                                                                                                                                                                                                                                               |   | (Dollars in thousands) |   |
|                                                                                                                                                                                                                                                                                                               |   |                   |   |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential real estate                                                      |   |                   | 6      |   |              | $      | 523 |   |   |   | 3 |   |   | $ | 298 |   |   |   | 9 |   |   | $ | 821 |   |
| Commercial real estate                                                       |   |                   | ---    |   |              |   | --- |   |   |   | 1 |   |   |   | 241 |   |   |   | 1 |   |   |   | 241 |   |
| Commercial non-real estate                                                                                                                                                                                                                                                                                         |   |                   | ---    |   |              |   | --- |   |   |   | 1 |   |   |   | 52 |   |   |   | 1 |   |   |   | 52 |   |
| Other consumer                                                               |   |                   | 2      |   |              |   | 5 |   |   |   | 1 |   |   |   | 9 |   |   |   | 3 |   |   |   | 14 |   |
|     Totals                                               |   |                   | 8      |   |              | $      | 528 |   |   |   | 6 |   |   | $ | 600 |   |   |   | 14 |   |   | $ | 1,128 |   |
|                                                                                                                                                                                                                                                                                                               |   |                   |   |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                                                                                                                                                                                                                                                                                                              |   | At June 30,            |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------|--------|
|                                                                                                                                                                                                                                                                                                              |   | 2009                   |   |   | 2008 |   |   | 2007 |   |   | 2006 |   |   | 2005 |   |
|                                                                                                                                                                                                                                                                                                              |   | (Dollars in thousands) |   |
|                                                                                                                                                                                                                                                                                                              |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Nonaccruing loans:                                                                                                                                                                                                                                                                                                |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Residential real estate                                                                                                                                                                                                                                                                   |   | $                      | 343    |   |   | $ | --- |   |   | $ | --- |   |   | $ | --- |   |   | $ | 52 |   |
|     Commercial real estate                                                                                                                                                                                                                                                                    |   |                   | 241    |   |   |   | --- |   |   |   | --- |   |   |   | --- |   |   |   | --- |   |
|     Consumer                                                                     |   |                   | 9      |   |   |   | --- |   |   |   | 2 |   |   |   | 51 |   |   |   | 41 |   |
|     Commercial business                                                                                                                                                                                                                                                                       |   |                   | 66     |   |   |   | --- |   |   |   | --- |   |   |   | --- |   |   |   | 334 |   |
|        Total                                                      |   | $                      | 659    |   |   | $ | --- |   |   | $ | 2 |   |   | $ | 51 |   |   | $ | 427 |   |
|                                                                                                                                                                                                                                                                                                              |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans 90 days past due   accruing interest:                                                                                                                                                                                                                                                        |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Residential real estate                                                                                                                                                                                                                                                                   |   | $                      | 137    |   |   | $ | --- |   |   | $ | --- |   |   | $ | --- |   |   | $ | 78 |   |
|     Commercial real estate                                                                                                                                                                                                                                                                    |   |                   | ---    |   |   |   | --- |   |   |   | 20 |   |   |   | -- |   |   |   | --- |   |
|     Consumer                                                                     |   |                   | ---    |   |   |   | 6 |   |   |   | 4 |   |   |   | 2 |   |   |   | 6 |   |
|     Commercial business                                                                                                                                                                                                                                                                       |   |                   | ---    |   |   |   | --- |   |   |   | --- |   |   |   | --- |   |   |   | 60 |   |
|        Total                                                      |   | $                      | 137    |   |   | $ | 6 |   |   | $ | 24 |   |   | $ | 2 |   |   | $ | 144 |   |
|                                                                                                                                                                                                                                                                                                              |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total nonperforming loans                                                                                                                                                                                                                                                                                         |   | $                      | 796    |   |   | $ | 6 |   |   | $ | 26 |   |   | $ | 53 |   |   | $ | 571 |   |
|                                                                                                                                                                                                                                                                                                              |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Nonperforming investments                                                                                                                                                                                                                                                                                         |   | $                      | 125    |   |   | $ | --- |   |   | $ | --- |   |   | $ | --- |   |   | $ | --- |   |
| Foreclosed assets held for sale:                                                                                                                                                                                                                                                                                  |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Real estate owned                                                                                                                                                                                                                                                                         |   |                   | 313    |   |   |   | 38 |   |   |   | 111 |   |   |   | 200 |   |   |   | 87 |   |
|     Other nonperforming assets                                                                                                                                                                                                                                                                |   |                   | 137    |   |   |   | 24 |   |   |   | 11 |   |   |   | 16 |   |   |   | 7 |   |
|        Total nonperforming assets                                                                                                                                                                                                                                              |   | $                      | 1,371  |   |   | $ | 68 |   |   | $ | 148 |   |   | $ | 269 |   |   | $ | 665 |   |
|                                                                                                                                                                                                                                                                                                              |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total nonperforming loans   to net loans                                              |   |                   | 0.22   | % |   |   | 0.00 | % |   |   | 0.01 | % |   |   | 0.02 | % |   |   | 0.21 | % |
| Total nonperforming loans   to total assets                                           |   |                   | 0.17   | % |   |   | 0.00 | % |   |   | 0.01 | % |   |   | 0.02 | % |   |   | 0.17 | % |
| Total nonperforming assets   to total assets                                          |   |                   | 0.29   | % |   |   | 0.02 | % |   |   | 0.04 | % |   |   | 0.08 | % |   |   | 0.20 | % |

|                                                                                                                                                                                                                                                                                                                                                                  |   | Year Ended June 30,    |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                  |   | 2009                   |   |   | 2008 |   |   | 2007 |   |   | 2006 |   |   | 2005 |   |
|                                                                                                                                                                                                                                                                                                                                                                  |   | (Dollars in thousands) |   |
|                                                                                                                                                                                                                                                                                                                                                                  |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Allowance at beginning of period                                                                                                                                                                                                                                                                                                                                      |   | $                      | 3,567  |   |   | $ | 2,538 |   |   | $ | 2,058 |   |   | $ | 2,016 |   |   | $ | 1,978 |   |
| Recoveries                                                                                                                                                                                                                                                                                                                                                            |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential real estate                                                                                                                                                                                                                                                                                                                                               |   |                   | 3      |   |   |   | 1 |   |   |   | 1 |   |   |   | --- |   |   |   | 5 |   |
| Commercial real estate                                                                                                                                                                                                                                                                                                                                                |   |                   | 6      |   |   |   | --- |   |   |   | --- |   |   |   | --- |   |   |   | --- |   |
| Commercial business                                                                                                                                                                                                                                                                                                                                                   |   |                   | 3      |   |   |   | 168 |   |   |   | 22 |   |   |   | 11 |   |   |   | --- |   |
| Consumer                                                                                                                                            |   |                   | 14     |   |   |   | 14 |   |   |   | 15 |   |   |   | 54 |   |   |   | 39 |   |
|    Total recoveries                                                                                                                  |   |                   | 26     |   |   |   | 183 |   |   |   | 38 |   |   |   | 65 |   |   |   | 44 |   |
|                                                                                                                                                                                                                                                                                                                                                                  |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Charge offs:                                                                                                                                                                                                                                                                                                                                                          |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential real estate                                                                                                                                                                                                                                                                                                                                               |   |                   | 19     |   |   |   | 34 |   |   |   | 83 |   |   |   | 57 |   |   |   | 7 |   |
| Commercial real estate                                                                                                                                                                                                                                                                                                                                                |   |                   | 11     |   |   |   | --- |   |   |   | --- |   |   |   | --- |   |   |   | --- |   |
| Commercial business                                                                                                                                                                                                                                                                                                                                                   |   |                   | 242    |   |   |   | 5 |   |   |   | 24 |   |   |   | 374 |   |   |   | 4,687 |   |
| Consumer                                                                                                                                            |   |                   | 111    |   |   |   | 55 |   |   |   | 56 |   |   |   | 147 |   |   |   | 127 |   |
|    Total charge offs                                                                                                                 |   |                   | 383    |   |   |   | 94 |   |   |   | 163 |   |   |   | 578 |   |   |   | 4,821 |   |
|                                                                                                                                                                                                                                                                                                                                                                  |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Net recoveries (charge offs)                                                                                                                                                                                                                                                                                                                        |   |                   | (357   | ) |   |   | 89 |   |   |   | (125 | ) |   |   | (513 | ) |   |   | (4,777 | ) |
| Provision for loan losses                                                                                                                                                                                                                                                                                                                                             |   |                   | 1,220  |   |   |   | 940 |   |   |   | 605 |   |   |   | 555 |   |   |   | 4,815 |   |
|                                                                                                                                                                                                                                                                                                                                                                  |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Balance at end of period                                                                                                                                                                                                                                                                                                                            |   | $                      | 4,430  |   |   | $ | 3,567 |   |   | $ | 2,538 |   |   | $ | 2,058 |   |   | $ | 2,016 |   |
|                                                                                                                                                                                                                                                                                                                                                                  |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio of allowance to total loans   outstanding at the end of the   period                                            |   |                   | 1.19   | % |   |   | 1.03 | % |   |   | 0.81 | % |   |   | 0.73 | % |   |   | 0.75 | % |
| Ratio of net charge offs to   average loans outstanding   during the period                                           |   |                   | 0.10   | % |   |   | (0.03 | )% |   |   | 0.04 | % |   |   | 0.19 | % |   |   | 1.84 | % |

|                                                                                                                                                                                                                                                                                 |   | At June 30,            |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------|--------|
|                                                                                                                                                                                                                                                                                 |   | 2009                   |   |   | 2008 |   |   | 2007 |   |   | 2006 |   |   | 2005 |   |
|                                                                                                                                                                                                                                                                                 |   | Amount                 |   |   | Percent ofLoans inEachCategoryto TotalLoans |   |   | Amount |   |   | Percent ofLoans inEachCategoryto TotalLoans |   |   | Amount |   |   | Percent ofLoans inEachCategoryto TotalLoans |   |   | Amount |   |   | Percent ofLoans inEachCategoryto TotalLoans |   |   | Amount |   |   | Percent ofLoans inEachCategoryto TotalLoans |   |
|                                                                                                                                                                                                                                                                                 |   | (Dollars in thousands) |   |
|                                                                                                                                                                                                                                                                                 |   |                   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Residential real estate                                                                                                                                                                                                                                                              |   | $                      | 750    |   |   |   | 40.03 | % |   | $ | 626 |   |   |   | 42.40 | % |   | $ | 279 |   |   |   | 42.98 | % |   | $ | 205 |   |   |   | 44.07 | % |   | $ | 225 |   |   |   | 46.04 | % |
| Construction                                                                                                              |   |                   | 128    |   |   |   | 6.06 |   |   |   | 88 |   |   |   | 3.96 |   |   |   | 70 |   |   |   | 2.52 |   |   |   | 81 |   |   |   | 3.76 |   |   |   | 67 |   |   |   | 3.13 |   |
| Commercial real estate                                                                                                                                                                                                                                                               |   |                   | 1,217  |   |   |   | 25.02 |   |   |   | 969 |   |   |   | 24.37 |   |   |   | 774 |   |   |   | 24.49 |   |   |   | 619 |   |   |   | 22.65 |   |   |   | 595 |   |   |   | 21.28 |   |
| Consumer                                                                                                                  |   |                   | 367    |   |   |   | 5.96 |   |   |   | 333 |   |   |   | 6.11 |   |   |   | 256 |   |   |   | 6.10 |   |   |   | 293 |   |   |   | 6.97 |   |   |   | 306 |   |   |   | 7.84 |   |
| Commercial business                                                                                                                                                                                                                                                                  |   |                   | 1,475  |   |   |   | 22.93 |   |   |   | 1,320 |   |   |   | 23.16 |   |   |   | 935 |   |   |   | 23.91 |   |   |   | 857 |   |   |   | 22.55 |   |   |   | 770 |   |   |   | 21.71 |   |
| Unallocated                                                                                                               |   |                   | 493    |   |   |   | --- |   |   |   | 231 |   |   |   | --- |   |   |   | 234 |   |   |   | --- |   |   |   | 3 |   |   |   | --- |   |   |   | 53 |   |   |   | --- |   |
|     Total allowance for      loan losses                                |   | $                      | 4,430  |   |   |   | 100.00 | % |   | $ | 3,567 |   |   |   | 100.00 | % |   | $ | 2,538 |   |   |   | 100.00 | % |   | $ | 2,058 |   |   |   | 100.00 | % |   | $ | 2,016 |   |   |   | 100.00 | % |

|                                                                                                                                                                                                                                                                                                     |   | At June 30, |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------|--------|
|                                                                                                                                                                                                                                                                                                     |   | 2009        |   |   | 2008 |   |   | 2007 |   |
|                                                                                                                                                                                                                                                                                                     |   | FairValue   |   |   | Percent ofPortfolio |   |   | FairValue |   |   | Percent ofPortfolio |   |   | FairValue |   |   | Percent ofPortfolio |   |
|                                                                                                                                                                                                                                                                                                     |   |        |   |   | (Dollars in thousands) |   |
|                                                                                                                                                                                                                                                                                                     |   |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government and government   agencies                                         |   | $           | 3,279  |   |   |   | 13.39 | % |   | $ | 4,019 |   |   |   | 26.39 | % |   | $ | 21,484 |   |   |   | 78.91 | % |
| State and political subdivisions                                                                                                                                                                                                                                                                         |   |        | 13,623 |   |   |   | 55.60 |   |   |   | 6,031 |   |   |   | 39.59 |   |   |   | 2,016 |   |   |   | 7.40 |   |
| FHLMC preferred stock                                                                                                                                                                                                                                                                                    |   |        | 8      |   |   |   | 0.03 |   |   |   | 295 |   |   |   | 1.94 |   |   |   | --- |   |   |   | --- |   |
| FHLB stock                                                                                       |   |        | 4,592  |   |   |   | 18.74 |   |   |   | 3,324 |   |   |   | 21.82 |   |   |   | 3,071 |   |   |   | 11.28 |   |
| Other securities                                                                                 |   |        | 3,000  |   |   |   | 12.24 |   |   |   | 1,563 |   |   |   | 10.26 |   |   |   | 656 |   |   |   | 2.41 |   |
|                                                                                                                                                                                                                                                                                                     |   |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                                                                                            |   | $           | 24,502 |   |   |   | 100.00 | % |   | $ | 15,232 |   |   |   | 100.00 | % |   | $ | 27,232 |   |   |   | 100.00 | % |
|                                                                                                                                                                                                                                                                                                     |   |        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                                                                                                                                                                                                                                                                                                                                                                                      |   | Available for Sale SecuritiesJune 30, 2009 |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                      |   | AmortizedCost                              |   |   | FairValue |   |   | Tax-Equiv.Wtd.-Avg.Yield |   |
|                                                                                                                                                                                                                                                                                                                                                                                      |   | (Dollars in thousands)                     |   |
|                                                                                                                                                                                                                                                                                                                                                                                      |   |                                       |   |   |   |   |   |   |   |
| U.S. government and government agencies   securities:                                                                                                                                                                                                                                                                                                                      |   |                                       |   |   |   |   |   |   |   |
|    Due after 1 year but within 5 years                                                                                                                                                                                                                                                                                                                                     |   | $                                          | 998    |   |   | $ | 1,050 |   |   |   | 5.14 | % |
|    Due after 5 years but within 10 years                                                                                                                                                                                                                                                                                                                                   |   |                                       | 2,219  |   |   |   | 2,229 |   |   |   | 4.87 |   |
|    Due over 10 years                                                          |   |                                       | ---    |   |   |   | --- |   |   |   | --- |   |
|    Total                                                                      |   |                                       | 3,217  |   |   |   | 3,279 |   |   |   | 4.95 |   |
|                                                                                                                                                                                                                                                                                                                                                                                      |   |                                       |   |   |   |   |   |   |   |   |   |   |
| State and political subdivisions:                                                                                                                                                                                                                                                                                                                                                         |   |                                       |   |   |   |   |   |   |   |   |   |   |
|    Due within 1 year                                                          |   |                                       | 260    |   |   |   | 260 |   |   |   | 4.99 |   |
|    Due after 1 year but within 5 years                                                                                                                                                                                                                                                                                                                                     |   |                                       | 150    |   |   |   | 152 |   |   |   | 6.71 |   |
|    Due after 5 years but within 10 years                                                                                                                                                                                                                                                                                                                                   |   |                                       | 550    |   |   |   | 563 |   |   |   | 6.27 |   |
|    Due over 10 years                                                          |   |                                       | 12,553 |   |   |   | 12,648 |   |   |   | 6.01 |   |
|    Total                                                                      |   |                                       | 13,513 |   |   |   | 13,623 |   |   |   | 6.01 |   |
|                                                                                                                                                                                                                                                                                                                                                                                      |   |                                       |   |   |   |   |   |   |   |   |   |   |
| Other securities:                                                                                                                                                                                                                                                                                                                                                                         |   |                                       |   |   |   |   |   |   |   |   |   |   |
|    Due within 1 year                                                          |   |                                       | 2,750  |   |   |   | 2,750 |   |   |   | 5.00 |   |
|    Due after 5 years but within 10 years                                                                                                                                                                                                                                                                                                                                   |   |                                       | ---    |   |   |   | 8 |   |   |   | --- |   |
|    Due over 10 years                                                          |   |                                       | 1,514  |   |   |   | 250 |   |   |   | 1.71 |   |
|    Total                                                                      |   |                                       | 4,264  |   |   |   | 3,008 |   |   |   | 3.83 |   |
|                                                                                                                                                                                                                                                                                                                                                                                      |   |                                       |   |   |   |   |   |   |   |   |   |   |
| No stated maturity:                                                                                                                                                                                                                                                                                                                                                                       |   |                                       |   |   |   |   |   |   |   |   |   |   |
|    FHLB stock                                                                 |   |                                       | 4,592  |   |   |   | 4,592 |   |   |   | --- | (1) |
|                                                                                                                                                                                                                                                                                                                                                                                      |   |                                       |   |   |   |   |   |   |   |   |   |   |
| Total Available for Sale                                                                     |   | $                                          | 25,586 |   |   | $ | 24,502 |   |   |   | 4.43 | % |
|                                                                                                                                                                                                                                                                                                                                                                                      |   |                                       |   |   |   |   |   |   |   |   |   |   |

|   | (1) | Due to the uncertainty regarding the amount of dividends to be declared by the FHLB, the Company recognized dividends in arrears for FHLB stock.  For the four quarters representing the Company’s fiscal year ended June 30, 2009, the FHLB declared dividends of 3%, 1%, 1%, and 2%.  The Company recognized dividends at a weighted-average rate of 1.08% during the Company’s fiscal year endedJune 30, 2009. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                                                                                                                                                                                                                                                                                                                                                                                |   | At June 30, 2009 |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                |   | (In thousands)   |   |
| Amounts due:                                                                                                                                                                                                                                                                                                                                                                        |   |             |   |
|   Within 1 year                                                              |   | $                | 233    |   |
|   After 1 year through 3 years                                                                                                                                                                                                                                                                                                                                            |   |             | ---    |   |
|   After 3 years through 5 years                                                                                                                                                                                                                                                                                                                                           |   |             | 2,429  |   |
|   After 5 years                                                              |   |             | 36,352 |   |
|     Total                                                          |   | $                | 39,014 |   |
|                                                                                                                                                                                                                                                                                                                                                                                |   |             |   |   |

|                                                                                                                                                                                                                                                                                                                                                                                                  |   | At June 30, 2009 |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                  |   | (In thousands)   |   |
| Interest rate terms on amounts due after 1 year:                                                                                                                                                                                                                                                                                                                                                      |   |             |   |
|    Fixed                                                                                  |   | $                | 38,781 |   |
|    Adjustable                                                                             |   |             | 233    |   |
|        Total                                                          |   | $                | 39,014 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                  |   |             |   |   |

|                                                                               |   | At June 30,    |   |
|------------------------------------------------------------------------------------|--------|----------------|--------|
|                                                                               |   | 2009           |   |   | 2008 |   |   | 2007 |   |
|                                                                               |   | AmortizedCost  |   |   | FairValue |   |   | AmortizedCost |   |   | FairValue |   |   | AmortizedCost |   |   | FairValue |   |
|                                                                               |   | (In thousands) |   |
|                                                                               |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| FHLMC certificates                                                                 |   | $              | 10,163 |   |   | $ | 10,398 |   |   | $ | 13,114 |   |   | $ | 12,825 |   |   | $ | 1,229 |   |   | $ | 1,183 |   |
| GNMA certificates                                                                  |   |           | 114    |   |   |   | 115 |   |   |   | 128 |   |   |   | 127 |   |   |   | 156 |   |   |   | 156 |   |
| FNMA certificates                                                                  |   |           | 9,812  |   |   |   | 10,112 |   |   |   | 11,247 |   |   |   | 11,093 |   |   |   | 4,387 |   |   |   | 4,213 |   |
| Collateralized mortgage obligations issued   by government agencies |   |           | 18,925 |   |   |   | 19,644 |   |   |   | 3,935 |   |   |   | 3,961 |   |   |   | 5,274 |   |   |   | 5,171 |   |
|                                                                               |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|        Total                                    |   | $              | 39,014 |   |   | $ | 40,269 |   |   | $ | 28,424 |   |   | $ | 28,006 |   |   | $ | 11,051 |   |   | $ | 10,723 |   |
|                                                                               |   |           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

| WeightedAverage InterestRate at 6/30 |   |   Term |               |   Category |                          | MinimumAmount |   |                              | Balance |   |   | Percentageof TotalDeposits |   |
|--------------------------------------|--------|------------------|--------------------|----------------------|-------------------------------|---------------|--------|-----------------------------------|---------|--------|--------|----------------------------|--------|
|                                 |   |             |               |                 |                          |          |   |     (In thousands) |    |   |   |
|                                 |   |             |               |                 |                          |          |   |                              |    |   |   |                       |   |
|                                 | 0.00%  |             | None               |                 | Non-interest Bearing          |          | $      | 100                               |    |   | $      | 21,304                     |   |   |   | 6.83 | % |
|                                 | 2.34   |             | None               |                 | NOW Accounts                  |          |   | 100                               |    |   |   | 65,114                     |   |   |   | 20.87 |   |
|                                 | 1.10   |             | None               |                 | Savings Accounts              |          |   | 100                               |    |   |   | 58,598                     |   |   |   | 18.78 |   |
|                                 | 1.39   |             | None               |                 | Money Market Deposit Accounts |          |   | 1,000                             |    |   |   | 6,633                      |   |   |   | 2.13 |   |
|                                 |   |             |               |                 |                          |          |   |                              |    |   |   |                       |   |   |   |   |   |
|                                 |   |             |               |                 | Certificates of Deposit       |          |   |                              |    |   |   |                       |   |   |   |   |   |
|                                 | 1.94   |             | Less than 6 months |                 | Fixed Rate/Term               |          |   | 1,000                             |    |   |   | 8,996                      |   |   |   | 2.88 |   |
|                                 | 1.54   |             | Less than 6 months |                 | IRA Fixed Rate/Term           |          |   | 1,000                             |    |   |   | 573                        |   |   |   | 0.18 |   |
|                                 | 2.42   |             | 7-12 months        |                 | Fixed Rate/Term               |          |   | 1,000                             |    |   |   | 75,679                     |   |   |   | 24.26 |   |
|                                 | 2.58   |             | 7-12 months        |                 | IRA Fixed Rate/Term           |          |   | 1,000                             |    |   |   | 9,769                      |   |   |   | 3.13 |   |
|                                 | 2.93   |             | 13-24 months       |                 | Fixed Rate/Term               |          |   | 1,000                             |    |   |   | 19,591                     |   |   |   | 6.28 |   |
|                                 | 2.80   |             | 13-24 months       |                 | IRA Fixed Rate/Term           |          |   | 1,000                             |    |   |   | 2,613                      |   |   |   | 0.84 |   |
|                                 | 1.00   |             | 13-24 months       |                 | IRA Variable Rate/Fixed Term  |          |   | 1,000                             |    |   |   | 281                        |   |   |   | 0.09 |   |
|                                 | 3.69   |             | 25-36 months       |                 | Fixed Rate/Term               |          |   | 1,000                             |    |   |   | 20,852                     |   |   |   | 6.68 |   |
|                                 | 3.77   |             | 25-36 months       |                 | IRA Fixed Rate/Term           |          |   | 1,000                             |    |   |   | 6,401                      |   |   |   | 2.05 |   |
|                                 | 4.03   |             | 48 months and more |                 | Fixed Rate/Term               |          |   | 1,000                             |    |   |   | 12,828                     |   |   |   | 4.11 |   |
|                                 | 4.26   |             | 48 months and more |                 | IRA Fixed Rate/Term           |          |   | 1,000                             |    |   |   | 2,723                      |   |   |   | 0.87 | % |
|                                 |   |             |               |                 |                          |          |   |                              |    |   |   |                       |   |   |   |   |   |
|                                 |   |             |               |                 |                          |          |   |                              |    |   | $      | 311,955                    |   |   |   | 100.00 | % |
|                                 |   |             |               |                 |                          |          |   |                              |    |   |   |                       |   |   |   |   |   |

| Maturity Period                                                                        |   | Amount         |       |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|------------|
|                                                                                                                                                                                                                                                                                                                                                                                |   | (In thousands) |       |
|                                                                                                                                                                                                                                                                                                                                                                                |   |           |       |
| Three months or less                                                                   |   | $              | 12,821,510 |   |
| Over three through six months                                                                                                                                                                                                                                                                                                                                                       |   |           | 20,720,844 |   |
| Over six through twelve months                                                                                                                                                                                                                                                                                                                                                      |   |           | 10,375,913 |   |
| Over 12 months                                                                         |   |           | 18,780,247 |   |
|     Total                                                          |   | $              | 62,698,514 |   |
|                                                                                                                                                                                                                                                                                                                                                                                |   |           |       |   |

|   |         |   | At June 30,    |    |
|--------|--------------|--------|----------------|---------|
|   |         |   | 2009           |    |   | 2008 |   |   | 2007 |   |
|   |         |   | (In thousands) |    |
|   |         |   |           |    |   |   |   |   |   |   |
|   | 1.00 - 1.99% |   |           | $       | 45,344 |   |   | $ | 7,135 |   |   | $ | --- |   |
|   | 2.00 - 2.99% |   |           |    | 51,949 |   |   |   | 33,105 |   |   |   | 1,087 |   |
|   | 3.00 - 3.99% |   |           |    | 47,718 |   |   |   | 50,555 |   |   |   | 6,558 |   |
|   | 4.00 - 4.99% |   |           |    | 13,898 |   |   |   | 48,414 |   |   |   | 27,805 |   |
|   | 5.00 - 5.99% |   |           |    | 1,397 |   |   |   | 11,149 |   |   |   | 95,119 |   |
|   |         |   |           |    |   |   |   |   |   |   |   |   |   |   |
| Total  |         |   | $              | 160,306 |   |   | $ | 150,358 |   |   | $ | 130,569 |   |
|   |         |   |           |    |   |   |   |   |   |   |   |   |   |   |

|   |         |   | Amount Due             |    |
|--------|--------------|--------|------------------------|---------|
|   |         |   | LessThan OneYear       |    |   | 1-2Years |   |   | 2-3Years |   |   | 3-4Years |   |   | After4 Years |   |   | Total |   |   | Percentof TotalCertificateAccounts |   |
|   |         |   | (Dollars in thousands) |    |
|   |         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|   | 1.00 - 1.99% |   |                   | $       | 44,946 |   |   | $ | 398 |   |   | $ | --- |   |   | $ | --- |   |   | $ | --- |   |   | $ | 45,344 |   |   |   | 28.29 | % |
|   | 2.00 - 2.99% |   |                   |    | 40,089 |   |   |   | 10,467 |   |   |   | 1,265 |   |   |   | 128 |   |   |   | --- |   |   |   | 51,949 |   |   |   | 32.41 |   |
|   | 3.00 - 3.99% |   |                   |    | 23,394 |   |   |   | 17,144 |   |   |   | 525 |   |   |   | 1,799 |   |   |   | 4,855 |   |   |   | 47,717 |   |   |   | 29.77 |   |
|   | 4.00 - 4.99% |   |                   |    | 4,381 |   |   |   | 5,056 |   |   |   | 1,883 |   |   |   | 2,036 |   |   |   | 543 |   |   |   | 13,899 |   |   |   | 8.67 |   |
|   | 5.00 - 5.99% |   |                   |    | 2 |   |   |   | 87 |   |   |   | 805 |   |   |   | 503 |   |   |   | --- |   |   |   | 1,397 |   |   |   | 0.87 |   |
|   |         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total  |         |   | $                      | 112,812 |   |   | $ | 33,152 |   |   | $ | 4,478 |   |   | $ | 4,466 |   |   | $ | 5,398 |   |   | $ | 160,306 |   |   |   | 100.00 | % |
|   |         |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                                                                                      |   | At June 30,            |    |
|-------------------------------------------------------------------------------------------|--------|------------------------|---------|
|                                                                                      |   | 2009                   |    |   | 2008 |   |   | 2007 |   |
|                                                                                      |   | Amount                 |    |   | Percent ofTotal |   |   | Increase(Decrease) |   |   | Amount |   |   | Percent ofTotal |   |   | Increase(Decrease) |   |   | Amount |   |   | Percent ofTotal |   |   | Increase(Decrease) |   |
|                                                                                      |   | (Dollars in thousands) |    |
|                                                                                      |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest bearing                                                                       |   | $                      | 21,304  |   |   |   | 6.83 | % |   |   | 2,083 |   |   | $ | 19,221 |   |   |   | 6.58 | % |   |   | (3,055 | ) |   | $ | 22,276 |   |   |   | 8.25 | % |   | $ | 3,566 |   |
| NOW checking                                                                              |   |                   | 65,114  |   |   |   | 20.87 |   |   |   | 27,964 |   |   |   | 37,150 |   |   |   | 12.71 |   |   |   | 6,027 |   |   |   | 31,123 |   |   |   | 11.52 |   |   |   | 86 |   |
| Savings accounts                                                                          |   |                   | 58,598  |   |   |   | 18.78 |   |   |   | (14,825 | ) |   |   | 73,423 |   |   |   | 25.12 |   |   |   | (5,485 | ) |   |   | 78,908 |   |   |   | 29.22 |   |   |   | 5,083 |   |
| Money market deposit                                                                      |   |                   | 6,633   |   |   |   | 2.13 |   |   |   | (5,472 | ) |   |   | 12,105 |   |   |   | 4.14 |   |   |   | 4,893 |   |   |   | 7,212 |   |   |   | 2.67 |   |   |   | (1,646 | ) |
| Fixed-rate certificates   which mature(1)                                  |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Within one year                                                         |   |                   | 112,664 |   |   |   | 36.12 |   |   |   |  (17,217 | )  |   |   | 129,881 |   |   |   | 44.44 |   |   |   | 12,976 |   |   |   | 116,905 |   |   |   | 43.28 |   |   |   | 3,953 |   |
|    Within three years                                                      |   |                   | 33,016  |   |   |   | 10.58 |   |   |   |  19,698 |   |   |   | 13,318 |   |   |   | 4.56 |   |   |   | 4,565 |   |   |   | 8,753 |   |   |   | 3.24 |   |   |   | (1,247 | ) |
|    After three years                                                       |   |                   | 14,344  |   |   |   | 4.60 |   |   |   |  7,468 |   |   |   | 6,876 |   |   |   | 2.35 |   |   |   | 2,282 |   |   |   | 4,594 |   |   |   | 1.70 |   |   |   | 2,271 |   |
| Variable-rate certificates   which mature within   one year |   |                   | 146     |   |   |   | 0.05 |   |   |   | (2 | ) |   |   | 144 |   |   |   | 0.05 |   |   |   | (33 | ) |   |   | 177 |   |   |   | 0.07 |   |   |   | 84 |   |
| Variable-rate certificates   which mature within   two years     |   |                   | 136     |   |   |   | 0.04 |   |   |   | (3 | ) |   |   | 139 |   |   |   | 0.05 |   |   |   | (1 | ) |   |   | 140 |   |   |   | 0.05 |   |   |   | (26 | ) |
|        Total                                           |   | $                      | 311,955 |   |   |   | 100.00 | % |   | $ | 19,698 |   |   | $ | 292,257 |   |   |   | 100.00 | % |   | $ | 22,169 |   |   | $ | 270,088 |   |   |   | 100.00 | % |   | $ | 12,019 |   |
|                                                                                      |   |                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                                                                                                                                                                                                                                                                                                                                                           |   | At June 30,    |    |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|---------|
|                                                                                                                                                                                                                                                                                                                                                           |   | 2009           |    |   | 2008 |   |   | 2007 |   |
|                                                                                                                                                                                                                                                                                                                                                           |   | (In thousands) |    |
|                                                                                                                                                                                                                                                                                                                                                           |   |           |    |   |   |   |   |   |   |
| Beginning Balance                                                                     |   | $              | 292,257 |   |   | $ | 270,088 |   |   | $ | 258,069 |   |
|                                                                                                                                                                                                                                                                                                                                                           |   |           |    |   |   |   |   |   |   |   |   |   |
| Net increase before interest credited                                                                                                                                                                                                                                                                                                                          |   |           | 13,700  |   |   |   | 14,355 |   |   |   | 4,198 |   |
| Interest credited                                                                                                                                                                                                                                                                                                                                         |   |           | 5,998   |   |   |   | 7,814 |   |   |   | 7,821 |   |
| Net increase in deposits                                                              |   |           | 19,698  |   |   |   | 22,169 |   |   |   | 12,019 |   |
|                                                                                                                                                                                                                                                                                                                                                           |   |           |    |   |   |   |   |   |   |   |   |   |
|    Ending balance                                                      |   | $              | 311,955 |   |   | $ | 292,257 |   |   | $ | 270,088 |   |
|                                                                                                                                                                                                                                                                                                                                                           |   |           |    |   |   |   |   |   |   |   |   |   |

|                                           |   | Year Ended June 30,    |   |
|------------------------------------------------|--------|------------------------|--------|
|                                           |   | 2009                   |   |   | 2008 |   |   | 2007 |   |
|                                           |   | (Dollars in thousands) |   |
| Year end balances                              |   |                   |   |   |   |   |   |   |   |
| Short-term FHLB advances                       |   | $                      | 6,250  |   |   | $ | 5,550 |   |   | $ | 7,000 |   |
| Securities sold under agreements to repurchase |   |                   | 23,748 |   |   |   | 21,804 |   |   |   | 17,758 |   |
| Total short-term borrowings                    |   | $                      | 29,998 |   |   | $ | 27,354 |   |   | $ | 24,758 |   |
|                                           |   |                   |   |   |   |   |   |   |   |   |   |   |
| Weighted average rate at year end              |   |                   | 0.73   | % |   |   | 1.90 | % |   |   | 5.06 | % |

|                                           |   | Year Ended June 30,    |   |
|------------------------------------------------|--------|------------------------|--------|
|                                           |   | 2009                   |   |   | 2008 |   |   | 2007 |   |
|                                           |   | (Dollars in thousands) |   |
| FHLB advances                                  |   |                   |   |   |   |   |   |   |   |
| Daily average balance                          |   | $                      | 77,923 |   |   | $ | 58,526 |   |   | $ | 62,906 |   |
| Weighted average interest rate                 |   |                   | 4.43   | % |   |   | 5.25 | % |   |   | 5.40 | % |
| Maximum outstanding at any month end           |   | $                      | 92,675 |   |   | $ | 65,600 |   |   | $ | 71,150 |   |
|                                           |   |                   |   |   |   |   |   |   |   |   |   |   |
| Securities sold under agreements to repurchase |   |                   |   |   |   |   |   |   |   |   |   |   |
| Daily average balance                          |   | $                      | 24,345 |   |   | $ | 20,567 |   |   | $ | 11,863 |   |
| Weighted average interest rate                 |   |                   | 0.94   | % |   |   | 3.31 | % |   |   | 4.84 | % |
| Maximum outstanding at any month end           |   | $                      | 27,819 |   |   | $ | 24,659 |   |   | $ | 17,758 |   |
|                                           |   |                   |   |   |   |   |   |   |   |   |   |   |
| Subordinated Debt                              |   |                   |   |   |   |   |   |   |   |   |   |   |
| Daily average balance                          |   | $                      | 7,217  |   |   | $ | 7,217 |   |   | $ | 7,217 |   |
| Weighted average interest rate                 |   |                   | 4.95   | % |   |   | 7.47 | % |   |   | 8.24 | % |
| Maximum outstanding at month end               |   | $                      | 7,217  |   |   | $ | 7,217 |   |   | $ | 7,217 |   |

|   | · | the development of a public/private investment fund essentially structured as a government sponsored enterprise with the mission to purchase troubled assets from banks with an initial capitalization from government funds; |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | the Capital Assistance Program under which the Treasury will purchase additional preferred stock available only for banks that have undergone a new stress test given by their regulator; |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | an expansion of the Federal Reserve's term asset-backed liquidity facility to support the purchase of up to $1 trillion in AAA-rated asset backed securities backed by consumer, student, and small business loans, and possible other types of loans; and |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | the establishment of a mortgage loan modification program with $50 billion in federal funds further detailed in the HASP. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------|

|   | · | cash flow of the borrower and/or the project being financed; |
|--------|--------|--------------------------------------------------------------|

|   | · | in the case of a collateralized loan, the changes and uncertainties as to the future value of the collateral; |
|--------|--------|---------------------------------------------------------------------------------------------------------------|

|   | · | the credit history of a particular borrower; |
|--------|--------|----------------------------------------------|

|   | · | changes in economic and industry conditions; and |
|--------|--------|--------------------------------------------------|

|   | · | the duration of the loan. |
|--------|--------|---------------------------|

|   | · | an ongoing review of the quality, size and diversity of the loan portfolio; |
|--------|--------|-----------------------------------------------------------------------------|

|   | · | evaluation of non-performing loans; |
|--------|--------|-------------------------------------|

|   | · | historical default and loss experience; |
|--------|--------|-----------------------------------------|

|   | · | historical recovery experience; |
|--------|--------|---------------------------------|

|   | · | existing economic conditions; |
|--------|--------|-------------------------------|

|   | · | risk characteristics of the various classifications of loans; and |
|--------|--------|-------------------------------------------------------------------|

|   | · | the amount and quality of collateral, including guarantees, securing the loans. |
|--------|--------|---------------------------------------------------------------------------------|

|   | · | loan delinquencies may increase; |
|--------|--------|----------------------------------|

|   | · | problem assets and foreclosures may increase; |
|--------|--------|-----------------------------------------------|

|   | · | demand for our products and services may decline; and |
|--------|--------|-------------------------------------------------------|

|   | · | collateral for loans made by us, especially real estate, may decline in value, in turn reducing a customer's borrowing power and reducing the value of assets and collateral securing our loans. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Location                                     | YearOpened             |   | Building NetBook Value as ofJune 30, 2009 |   | LandOwned/Leased | BuildingOwned/Leased |
|----------------------------------------------|------------------------|--------|-------------------------------------------|--------|------------------|----------------------|
|                                         | (Dollars in thousands) |
| Main Office                                  |                   |   |                                      |   |             |                 |
|                                         |                   |   |                                      |   |             |                 |
| 531 Vine St.Poplar Bluff, Missouri           | 1966                   |   | $                                         | 662    |             | Owned                | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| Branch Offices                               |                   |   |                                      |   |             |                 |   |
|                                         |                   |   |                                      |   |             |                 |   |
| 502 Main St.Van Buren, Missouri              | 1982                   |   |                                      | 20     |             | Owned                | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| 1330 N. Westwood Blvd.Poplar Bluff, Missouri | 1976                   |   |                                      | 55     |             | Leased(1)            | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| 4214 Highway PPPoplar Bluff, Missouri        | 2001                   |   |                                      | 505    |             | Owned                | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| 713 Business 60 WestDexter, Missouri         | 1979                   |   |                                      | 32     |             | Owned                | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| 301 First St.Kennett, Missouri               | 2000                   |   |                                      | 790    |             | Owned                | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| 302 Washington St.Doniphan, Missouri         | 2001                   |   |                                      | 553    |             | Owned                | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| 13371 Highway 53Qulin, Missouri              | 2000                   |   |                                      | 95     |             | Owned                | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| 1205 S. Main St.Sikeston, Missouri           | 2006                   |   |                                      | 932    |             | Owned                | Owned |
|                                         |                   |   |                                      |   |             |                 |   |
| 100 W. Main St.Matthews, Missouri            | 2008                   |   |                                      | ---    |             | Leased               | Leased |

| (1) | Lease expires on November 30, 2014 but includes options to renew at lessee's discretion. |
|-----|------------------------------------------------------------------------------------------|

|                     | Total #of SharesPurchased | AveragePricePaid PerShare | Total # of SharesPurchased as Part of aPubliclyAnnouncedProgram | MaximumNumber ofShares ThatMay Yet BePurchased |
|--------------------------|---------------------------|---------------------------|-----------------------------------------------------------------|------------------------------------------------|
| 06/01/09-06/30/09 period | -                         | -                         | -                                                               | -                                              |
| 05/01/09-05/31/09 period | -                         | -                         | -                                                               | -                                              |
| 04/01/09-04/30/09 period | -                         | -                         | -                                                               | -                                              |
|                     |                      |                      |                                                            |                                           |

|   | (a) | Consolidated Balance Sheets as of June 30, 2009 and 2008*                                         |
|--------|-----|---------------------------------------------------------------------------------------------------|
|   | (b) | Consolidated Statements of Income for the Years Ended June 30, 2009, 2008 and 2007*               |
|   | (c) | Consolidated Statements of Stockholders' Equity For the Years Ended June 30, 2009, 2008 and 2007* |
|   | (d) | Consolidated Statements of Cash Flows For the Years Ended June 30, 2009, 2008 and 2007*           |
|   | (e) | Notes to Consolidated Financial Statements*                                                       |

| Date:  September 25, 2009 | By: | /s/ Greg A. Steffens                                                        Greg A. SteffensPresident(Principal Executive and Principal Financial  and Accounting Officer) |
|-------------------------------------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 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 PlansApproved By SecurityHolders                                                                                                                                                    |   |                                                                                    | 85,500  |   |                                                                    | $      | 14.01  |                                                                                           |   |   | 24,500 |   |
|  Equity Compensation PlansNot Approved By SecurityHolders                                                                                                                                                |   |                                                                                    | ---     |   |                                                                    |   | ---    |                                                                                           |   |   | --- |   |
| Capital Purchase ProgramImplemented by the U.S.Treasury                                                                                                                                                       |   |                                                                                    | 114,326 |   |                                                                    | $      | 12.53  |                                                                                           |   |   | n/a |   |
|                                                                                                                                                                                                          |   |                                                                                    |    |   |                                                                    |   |   |                                                                                           |   |   |   |   |

| Regulation S-KExhibit 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, FSBManagement Recognition and Development Plans | * |
|                               |                                                                                                                                                                                                     | (c)                                                            | Employment Agreements: | ** |
|                               |                                                                                                                                                                                                     |                                                           | (i) | Greg A. Steffens | ** |
|                               |                                                                                                                                                                                                     | (d)                                                            |   | Director's Retirement Agreements |   |
|                               |                                                                                                                                                                                                     |                                                           | (vi) | Samuel H. Smith | *** |
|                               |                                                                                                                                                                                                     |                                                           | (vii) | Sammy A. Schalk | **** |
|                               |                                                                                                                                                                                                     |                                                           | (viii) | Ronnie D. Black | **** |
|                               |                                                                                                                                                                                                     |                                                           | (ix) | L. Douglas Bagby | **** |
|                               |                                                                                                                                                                                                     |                                                           | (x) | Rebecca McLane Brooks | ***** |
|                               |                                                                                                                                                                                                     |                                                           | (xi) | Charles R. Love | ***** |
|                               |                                                                                                                                                                                                     |                                                           | (xii) | Charles R. Moffitt | ***** |
|                               |                                                                                                                                                                                                     |                                                           | (xiii) | Dennis C. Robison | ++ |
|                               |                                                                                                                                                                                                     | (e)                                                            |   | Tax Sharing Agreement | *** |
| 11                                 | Statement Regarding Computation of Per Share Earnings                                                                                                                                                    | 11                                                             |
| 13                                 | 2009 Annual Report to Stockholders                                                                                                                                                                       | 13                                                             |
| 14                                 | Code of Conduct and Ethics                                                                                                                                                                               | +++                                                            |
| 21                                 | Subsidiaries of the Registrant                                                                                                                                                                           | 21                                                             |
| 23                                 | Consent of Auditors                                                                                                                                                                                      | 23                                                             |
| 31                                 | Rule 13a-14(a)/15d-14(a) Certifications                                                                                                                                                                  | 31                                                             |
| 32                                 | Section 1350 Certifications                                                                                                                                                                              | 32                                                             |
| 99.1                               | 31 C.F.R. section 30.15 Certification of Principal Executive and Financial Officer                                                                                                                       | 99.1                                                           |

| *     | 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 Report on Form 10-QSB for the quarter ended December 31, 2004.            |
| +     | Filed as an exhibit to the Registrant's Annual Report on Form 10-K for the year ended June 30, 1999.              |
| ++    | Filed as an exhibit to the Registrant's Quarterly Report on Form 10-Q for the quarter ended December 31, 2008.    |
| +++   | Filed as an exhibit to the Current Report on Form 8-K filed on September 15, 2005.                                |

|   |               |   | SOUTHERN MISSOURI BANCORP, INC. |
|--------|--------------------|--------|---------------------------------|
|   |               |   |                            |   |
| Date:  | September 25, 2009 |   | By:                             |      /s/ Greg A. Steffens                                    Greg A. SteffensPresident(Duly Authorized Representative) |

|  By: |      /s/ Samuel H. Smith                                        Samuel H. SmithChairman of the Board of Directors                                               |   |  September 25, 2009 |
|-----------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------|
|  By: |      /s/ Greg A. Steffens                                       Greg A. SteffensPresident(Principal Executive and Financial   and Accounting Officer) |   |  September 25, 2009 |
|  By: |      /s/ Sammy A. Schalk                                     Sammy A. SchalkVice Chairman and Director                                                                         |   | September 25, 2009       |
|  By: |      /s/ Ronnie D. Black                                      Ronnie D. BlackSecretary and Director                                                                       |   | September 25, 2009       |
|  By: |      /s/ L. Douglas Bagby                                    L. Douglas BagbyDirector                                                                                          |   | September 25, 2009       |
|  By: |      /s/ Rebecca McLane Brooks                       Rebecca McLane BrooksDirector                                                                                                                                                                   |   | September 25, 2009       |
|  By: |      /s/ Charles R. Love                                      Charles R. LoveDirector                                                                                     |   | September 25, 2009       |
|  By: |      /s/ Charles R. Moffitt                                  Charles R. MoffittDirector                                                                                                       |   | September 25, 2009       |
|  By: |      /s/ Dennis C. Robison                                 Dennis C. RobisonDirector                                                                                                               |   | September 25, 2009       |

| Regulation S-KExhibit Number  |   |  Document                                                                                     |
|------------------------------------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  10.1                         |   |  Named Executive Officer Salary and Bonus Agreement for 2009                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  10.2                         |   |  Director Fee Arrangements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  11                           |   |  Statement Regarding Computation of Per Share Earnings                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  13                           |   |  2009 Annual Report to Stockholders                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  21                           |   |  Subsidiaries of the Registrant                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  23.1                         |   |  Consent of Auditors                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  23.2                         |   |  Consent of Auditors                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  31                           |   |  Rule 13a-14(a)/15d-14(a) Certifications                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  32                           |   |  Section 1350 Certifications                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|                               |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
|  99                           |   |  31 C.F.R. section 30.15 Certification of Principal Executive and Financial Officer                                                                                                                                                                                                                                                                                                                                                                                                                                               |