|[**X**] | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934    
|------- | ----------------------------------------------------------------------------------------
|       
|        | For the fiscal year ended **June 30, 2004**          OR                                 
|       
|[   ]   | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

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

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

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

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|                          |                              | At June 30,           
|------------------------- | ---------------------------- | ----------------------
|                          |                              | 2004                  
|                          |                              | Amount                
|                          |                              | (Dollars in thousands)
|Type of Loan:             |                              |                       
|Mortgage Loans:           |                              |                       
|                          | One-to four-family           | $122,392              
|                          | Commercial real estate       | 56,112                
|                          | Construction                 | 7,533                 
|                          | Total mortgage loans         | $186,037              
|                          |                              |                       
|Other Loans:              |                              |                       
|                          | Automobile loans             | 12,808                
|                          | Second mortgage              | 440                   
|                          | Loans secured by deposits    | 1,062                 
|                          | Commercial business          | 45,923                
|                          | Other                        | 7,167                 
|                          |                              | Total other loans     
|                          |                              |                       
|                          |                              | Total loans           
|                          |                              |                       
|Less:                     |                              |                       
|                          | Undisbursed loans in
process | $    3,093            
|                          | Deferred fees and discounts  | 11                    
|                          | Allowance for loan losses    | 1,978                 
|                          |                              | Net loans receivable  
|                          |                              |                       
|Type of Security:         |                              |                       
|Residential real estate   |                              |                       
|                          | One-to four-family           | $125,051              
|                          | Multi-family                 | 1,531                 
|Commercial real estate    | 51,692                       | 20.81                 
|Land                      | 7,763                        | 3.12                  
|Loans secured by deposits | 1,062                        | 0.43                  
|Commercial                | 45,923                       | 18.49                 
|Consumer and other        | 20,415                       | 8.22                  
|                          |                              | Total loans           
|                          |                              |                       
|Less:                     |                              |                       
|                          | Undisbursed loans in
process | 3,093                 
|                          | Deferred fees and discounts  | 11                    
|                          | Allowance for loan losses    | 1,978                 
|                          |                              | Net loans receivable  

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|                       |                              | At June 30,                
|---------------------- | ---------------------------- | ---------------------------
|                       |                              | 2004                       
|                       |                              |                            
|                       |                              | (Dollars in thousands)     
|Type of Loan:          |                              |                            
|Fixed-Rate Loans:      |                              |                            
|                       | One-to four-family           | $  81,430                  
|                       | Commercial real estate       | 17,963                     
|                       | Construction                 | 4,733                      
|                       | Consumer                     | 15,798                     
|                       | Commercial business          | 15,191                     
|                       |                              |                            
|                       |                              | Total fixed-rate loans     
|                       |                              |                            
|Adjustable-Rate Loans: |                              |                            
|                       | One-to four-family           | 40,962                     
|                       | Commercial real estate       | 38,149                     
|                       | Construction                 | 2,800                      
|                       | Consumer                     | 5,679                      
|                       | Commercial business          | 30,732                     
|                       |                              |                            
|                       |                              | Total adjustable-rate loans
|                       |                              |                            
|                       |                              | Total Loans                
|                       |                              |                            
|Less:                  |                              |                            
|                       | Undisbursed loans in process | 3,093                      
|                       | Net deferred loan fees       | 11                         
|                       | Allowance for loan loss      | 1,978                      
|                       |                              | $248,355                   

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|                       | WithinOne Year         | AfterOne YearThrough5 Years | After5 YearsThrough10 Years | After10 Years | Total   
|---------------------- | ---------------------- | --------------------------- | --------------------------- | ------------- | --------
|                       | (Dollars in thousands)
|                       |                        |                             |                             |               |         
|One-to four-family     | $14,147                | $23,507                     | $15,952                     | $68,786       | $122,392
|Commercial real estate | 28,717                 | 18,704                      | 3,433                       | 5,258         | 56,112  
|Construction           | 7,533                  | --                          | --                          | --            | 7,533   
|Consumer               | 3,479                  | 13,553                      | 4,379                       | 66            | 21,477  
|Commercial business    | 31,146                 | 13,209                      | 1,536                       | 32            | 45,923  
|Total loans            | $85,022                | $68,973                     | $25,300                     | $74,142       | $253,437

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|                                                            | Year Ended June 30,   
|----------------------------------------------------------- | ----------------------
|                                                            | 2004                  
|                                                            | (Dollars in thousands)
|                                                            |                       
|Total mortgage loans at beginning of period                 | $168,829              
|Loans originated:                                           |                       
|One-to four-family residential                              | 42,342                
|Multi-family residential and         commercial real estate | 30,214                
|Construction loans                                          | 7,621                 
|Total loans originated                                      | 80,177                
|                                                            |                       
|Loans purchased:                                            |                       
|Total loans purchased                                       | 7,690                 
|                                                            |                       
|Loans sold:                                                 |                       
|Total loans sold                                            | (4,100)               
|                                                            |                       
|Mortgage loan principal repayments                          | (66,423)              
|                                                            |                       
|Foreclosures                                                | (136)                 
|Net loan activity                                           | 17,208                
|                                                            |                       
|Total mortgage loans at end of period                       | $186,037              

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|                           | Loans Delinquent For:  | Total LoansDelinquent 60 Daysor More
|-------------------------- | ---------------------- | ------------------------------------
|60-89 Days                 | 90 Days and Over      
|                           | Numbers                | Amounts                             
|                           | (Dollars in thousands)
|                           |                        |                                     
|One-to four-family         | 7                      | $248                                
|Commercial real estate     | --                     | --                                  
|Commercial non-real estate | 1                      | 8                                   
|Other consumer             | 5                      | 13                                  
|Totals                     | 13                     | $269                                

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|                                             | At June 30,           
|-------------------------------------------- | ----------------------
|                                             | 2004                  
|                                             | (Dollars in thousands)
|                                             |                       
|Nonaccruing loans:                           |                       
|One-to four-family                           | $    ---              
|Commercial real estate                       | ---                   
|Consumer                                     | 4                     
|Commercial business                          | ---                   
|Total                                        | $      4              
|                                             |                       
|Loans 90 days past due

accruing interest:   |                       
|One-to four-family                           | $  114                
|Commercial real estate                       | ---                   
|Consumer                                     | 17                    
|Commercial business                          | ---                   
|Total                                        | $  131                
|                                             |                       
|Total nonperforming loans                    | $  135                
|                                             |                       
|Foreclosed assets held for sale:             |                       
|Real estate owned                            | $  163                
|Other nonperforming assets                   | 17                    
|Total nonperforming assets                   | $   315               
|                                             |                       
|Total nonperforming loans    to net loans    | 0.05%                 
|Total nonperforming loans   to net assets    | 0.04%                 
|Total nonperforming assets   to total assets | 0.10%                 

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|                                                                            | Year Ended June 30,   
|--------------------------------------------------------------------------- | ----------------------
|                                                                            | 2004                  
|                                                                            | (Dollars in thousands)
|                                                                            |                       
|Allowance at beginning of period                                            | $1,836                
|Recoveries                                                                  |                       
|One-to four-family                                                          | ---                   
|Commercial real estate                                                      | ---                   
|Commercial business                                                         | 2                     
|Consumer                                                                    | 24                    
|Total recoveries                                                            | 26                    
|                                                                            |                       
|Charge offs:                                                                |                       
|One-to four-family                                                          | 39                    
|Commercial real estate                                                      | 9                     
|Commercial business                                                         | 16                    
|Consumer                                                                    | 95                    
|Total charge offs                                                           | 159                   
|                                                                            |                       
|Net charge offs                                                             | (133)                 
|Acquired allowance for losses                                               | ---                   
|Provision for loan losses                                                   | 275                   
|Balance at end of period                                                    | $1,978                
|                                                                            |                       
|Ratio of allowance to total loans   outstanding at the end of the   period  | 0.80%                 
|Ratio of net charge offs to   average loans outstanding   during the period | 0.06%                 

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|                                     | At June 30,           
|------------------------------------ | ----------------------
|                                     | 2004                  
|                                     | Amount                
|                                     | (Dollars in thousands)
|                                     |                       
|One-to four-family                   | $   219               
|Construction                         | 60                    
|Commercial real estate               | 634                   
|Consumer                             | 321                   
|Commercial business                  | 743                   
|Unallocated                          | 1                     
|Total allowance for      loan losses | $1,978                

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|                                          | At June 30,           
|----------------------------------------- | ----------------------
|                                          | 2004                  
|                                          | CarryingValue         
|                                          | (Dollars in thousands)
|                                          |                       
|U.S. government and government   agencies | $11,314               
|State and political subdivisions          | 777                   
|FNMA preferred stock                      | 1,002                 
|Equity Securities                         | 3,415                 
|Other Securities                          | 2,704                 
|                                          |                       
|Total                                     | $19,212               

|                                                          | Available Securities for SaleJune 30, 2004
|--------------------------------------------------------- | ------------------------------------------
|                                                          | AmortizedCost                             
|                                                          | (Dollars in thousands)                    
|                                                          |                                           
|U.S. government, government agencies andother securities: |                                           
|Due within 1 year                                         | $  1,300                                  
|Due after 1 year but within 5 years                       | 12,061                                    
|Due after 5 years but within 10 years                     | 772                                       
|Total                                                     | 14,133                                    
|                                                          |                                           
|State and political subdivisions:                         |                                           
|Due within 1 year                                         | 80                                        
|Due after 1 year but within 5 years                       | 647                                       
|Due after 5 years but within 10 years                     | ---                                       
|Total                                                     | 727                                       
|                                                          |                                           
|No stated maturity:                                       |                                           
|FNMA preferred stock                                      | 1,000                                     
|Equity securities                                         | 3,357                                     
|                                                          | 4,357                                     
|                                                          |                                           
|Total Available for Sale                                  | $19,217                                   

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|                              | At June 30, 2004      
|----------------------------- | ----------------------
|                              | (Dollars in thousands)
|Amounts due:                  |                       
|Within 1 year                 | $       ---           
|After 1 year through 3 years  | 1,329                 
|After 3 years through 5 years | 347                   
|After 5 years                 | 19,691                
|Total                         | $21,367               

|                                                 | At June 30, 2004      
|------------------------------------------------ | ----------------------
|                                                 | (Dollars in thousands)
|Interest rate terms on amounts due after 1 year: |                       
|Fixed                                            | $19,649               
|Adjustable                                       | 1,718                 
|Total                                            | $21,367               

|                                                                    | At June 30,           
|------------------------------------------------------------------- | ----------------------
|                                                                    | 2004                  
|                                                                    | CarryingValue         
|                                                                    | (Dollars in thousands)
|                                                                    |                       
|FHLMC certificates                                                  | $  3,634              
|GNMA certificates                                                   | 350                   
|FNMA certificates                                                   | 9,225                 
|Collateralized mortgage obligations issued   by government agencies | 8,158                 
|Collateralized mortgage obligations issuedby private issuer         | ---                   
|                                                                    |                       
|Total                                                               | $21,367               

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|WeightedAverage InterestRate | Term     | Category                      | Minimum | Percentageof TotalDeposits
|---------------------------- | -------- | ----------------------------- | ------- | --------------------------
|Amount                       | Balance 
|                             |          |                               |         | (In thousands)            
|                             |          |                               |         |                           
|0.00%                        | None     | Non-interest Bearing          | $   100 | $  14,143                 
|                             | None     | NOW Accounts                  | 100     | 30,578                    
|1.84                         | None     | Savings Accounts              | 100     | 64,914                    
|                             | None     | Money Market Deposit Accounts | 1,000   | 19,731                    
|                             |          |                               |         |                           
|                             |          | Certificates of Deposit       |         |                           
|1.00%                        | 91-day   | Fixed-term/Fixed-rate         | 1,000   | 555                       
|1.24                         | 91-day   | IRA Fixed-term/Fixed-rate     | 1,000   | 41                        
|1.48                         | 5 month  | Fixed-term/Fixed-rate         | 1,000   | 1,281                     
|1.64                         | 6 month  | Fixed-term/Fixed-rate         | 1,000   | 9,365                     
|1.48                         | 6 month  | IRA Fixed-term/Fixed-rate     | 1,000   | 717                       
|1.36                         | 7 month  | Fixed-term/Fixed-rate         | 1,000   | 449                       
|1.52                         | 9 month  | Fixed-term/Fixed-rate         | 1,000   | 2,877                     
|1.55                         | 9 month  | IRA Fixed-term/Fixed-rate     | 1,000   | 1,441                     
|1.57                         | 11 month | Fixed-term/Fixed-rate         | 1,000   | 4,043                     
|1.57                         | 11 month | IRA Fixed-term/Fixed-rate     | 1,000   | 852                       
|1.62                         | 12 month | Fixed-term/Fixed-rate         | 1,000   | 13,746                    
|1.63                         | 12 month | IRA Fixed-term/Fixed-rate     | 1,000   | 3,144                     
|1.55                         | 13 month | Fixed-term/Fixed-rate         | 1,000   | 238                       
|1.49                         | 14 month | Fixed-term/Fixed-rate         | 1,000   | 5                         
|1.68                         | 15 month | Fixed-term/Fixed-rate         | 1,000   | 1,285                     
|1.61                         | 18 month | Fixed-term/Fixed-rate         | 1,000   | 1,127                     
|2.49                         | 18 month | IRA Fixed-term/Fixed-rate     | 1,000   | 531                       
|2.44                         | 24 month | Fixed-term/Fixed-rate         | 1,000   | 4,229                     
|2.36                         | 24 month | IRA Fixed-term/Fixed-rate     | 1,000   | 618                       
|1.74                         | 24 month | Fixed-term/Variable rate      | 1,000   | 1                         
|1.68                         | 24 month | IRA Fixed-term/Variable rate  | 1,000   | 376                       
|2.02                         | 25 month | Fixed-term/Fixed-rate         | 1,000   | 284                       
|2.72                         | 29 month | Fixed-term/Fixed-rate         | 1,000   | 16                        
|3.28                         | 30 month | Fixed-term/Fixed-rate         | 1,000   | 453                       
|3.94                         | 35 month | Fixed-term/Fixed-rate         | 1,000   | 1,807                     
|3.77                         | 35 month | IRA Fixed-term/Fixed-rate     | 1,000   | 294                       
|3.64                         | 36 month | Fixed-term/Fixed-rate         | 1,000   | 12,892                    
|3.08                         | 36 month | IRA Fixed-term/Fixed-rate     | 1,000   | 2,954                     
|4.10                         | 48 month | Fixed-term/Fixed-rate         | 1,000   | 1,164                     
|3.66                         | 48 month | IRA Fixed-term/Fixed-rate     | 1,000   | 245                       
|4.94                         | 55 month | Fixed-term/Fixed-rate         | 1,000   | 5,744                     
|4.88                         | 55 month | Fixed-term/Fixed-rate         | 1,000   | 913                       
|4.33                         | 60 month | Fixed-term/Fixed-rate         | 1,000   | 6,110                     
|4.11                         | 60 month | IRA Fixed-term/Fixed-rate     | 1,000   | 2,718                     
|4.00                         | 84 month | Fixed-term/Fixed-rate         | 1,000   | 74                        
|3.77                         | 96 month | Fixed-term/Fixed-rate         | 1,000   | 4                         
|                             |          |                               |         | $211,959                  

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|Maturity Period                | Amount                
|------------------------------ | ----------------------
|                               | (Dollars in thousands)
|                               |                       
|Three months or less           | $  7,815              
|Over three through six months  | 1,938                 
|Over six through twelve months | 6,201                 
|Over 12 months                 | 8,024                 
|Total                          | $23,978               

|             | At June 30,           
|------------ | ----------------------
|             | 2004                  
|             | (Dollars in thousands)
|             |                       
|0.00 - 0.99% | $       13            
|1.00 - 1.99% | 40,381                
|2.00 - 2.99% | 9,209                 
|3.00 - 3.99% | 14,629                
|4.00 - 4.99% | 14,262                
|5.00 - 5.99% | 3,834                 
|6.00 - 6.99% | 265                   
|7.00 - 7.99% | ---                   
|8.00 - 8.99% | ---                   
|             |                       
|Total        | $82,593               

|             | Amount Due            
|------------ | ----------------------
|             | LessThan OneYear      
|             | (Dollars in thousands)
|             |                       
|0.00 - 0.99% | $       ---           
|1.00 - 1.99% | 38,492                
|2.00 - 2.99% | 4,038                 
|3.00 - 3.99% | 5,104                 
|4.00 - 4.99% | 5,300                 
|5.00 - 5.99% | 923                   
|6.00 - 6.99% | 62                    
|Total        | $53,919               

---

|                                                             | At June 30,           
|------------------------------------------------------------ | ----------------------
|                                                             | 2004                  
|                                                             | Amount                
|                                                             | (Dollars in thousands)
|                                                             |                       
|Noninterest bearing                                          | $  14,143             
|NOW checking                                                 | 30,578                
|Savings accounts                                             | 64,914                
|Money market deposit                                         | 19,731                
|Fixed-rate certificates   which mature(1):                   |                       
|Within one year                                              | 53,757                
|Within three years                                           | 22,711                
|After three years                                            | 5,748                 
|Variable-rate certificates   which mature within   one year  | 162                   
|Variable-rate certificates   which mature within   two years | 215                   
|Total                                                        | $211,959              

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|                                      | At June 30,           
|------------------------------------- | ----------------------
|                                      | 2004                  
|                                      | (Dollars in thousands)
|                                      |                       
|Beginning Balance                     | $194,532              
|                                      |                       
|Net increase before interest credited | 14,770                
|Interest credited                     | 2,657                 
|Net increase in savings deposits      | 17,427                
|                                      |                       
|Ending balance                        | $211,959              

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|                                               |                                                | Year Ended June 30,        
|---------------------------------------------- | ---------------------------------------------- | ---------------------------
|                                               |                                                | 2004                       
|                                               |                                                | (Dollars in thousands)     
|Year end balances                              |                                                |                            
|                                               | Short-term FHLB advances                       | $  7,250                   
|                                               | Securities sold under agreements to repurchase | 6,448                      
|                                               |                                                | Total short-term borrowings
|                                               |                                                |                            
|                                               | Weighted average rate at year end              | 1.24%                      
|                                               |                                                |                            
|                                               |                                                |                            
|                                               |                                                |                            
|                                               |                                                |                            
|                                               |                                                | 2004                       
|                                               |                                                | (Dollars in thousands)     
|Short term FHLB advances                       |                                                |                            
|                                               | Daily average balance                          | $  6,845                   
|                                               | Weighted average interest rate                 | 1.27%                      
|                                               | Maximum outstanding at any month end           | $12,900                    
|                                               |                                                |                            
|Securities sold under agreements to repurchase |                                                |                            
|                                               | Daily average balance                          | $  6,341                   
|                                               | Weighted average interest rate                 | 1.15%                      
|                                               | Maximum outstanding at any month end           | $  8,073                   
|                                               |                                                |                            
|Subordinated Debt                              |                                                |                            
|                                               | Daily average balance                          | $  2,904                   
|                                               | Weighted average interest rate                 | 4.02%                      
|                                               | Maximum outstanding at month end               | $  7,217                   

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|                                         | At June 30, 2004      
|---------------------------------------- | ----------------------
|                                         | Amount                
|                                         | (Dollars in thousands)
|                                         |                       
|Tier 1 (leverage) capital                | $23,475               
|Tier 1 (leverage) capital requirement(2) | 12,020                
|Excess                                   | $11,455               
|                                         |                       
|Tier 1 risk adjusted capital             | $23,475               
|Tier 1 risk adjusted capital requirement | 8,611                 
|Excess                                   | $14,864               
|                                         |                       
|Total risk-based capital                 | $25,454               
|Total risk-based capital requirement     | 17,222                
|Excess                                   | $  8,232              

|(1) | For the Tier 1 (leverage) capital and Missouri regulatory capital calculations, percent of total average assets of $303.4 million.  For the Tier
1 risk-based capital and total risk-based capital calculations, percent of total risk-weighted assets of $215.3 million.                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|--- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2) | As a Missouri-chartered savings bank, the Bank is subject to the capital requirements of the FDIC and the Missouri Division of Finance.
The FDIC requires state-chartered savings banks, including the Bank, to have a minimum leverage ratio of Tier 1 capital to total assets of at least
3%, provided, however, that all institutions, other than those (i) receiving the highest rating during the examination process and (ii) not anticipating
any significant growth, are required to maintain a ratio of 1% to 2% above the stated minimum, with an absolute total capital to risk-weighted assets
of at least 8%.  The Bank has not been notified by the FDIC of any leverage capital requirement specifically applicable to it.

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|Location                              | YearOpened             | Building NetBook Value as ofJune 30, 2004 | LandOwned/Leased | BuildingOwned/Leased
|------------------------------------- | ---------------------- | ----------------------------------------- | ---------------- | --------------------
|                                      | (Dollars in thousands)
|Main Office                           |                        |                                           |                  |                     
|                                      |                        |                                           |                  |                     
|531 Vine StreetPoplar Bluff, Missouri | 1966                   | $665                                      | Owned            | Owned               
|                                      |                        |                                           |                  |                     
|Branch Offices                        |                        |                                           |                  |                     
|                                      |                        |                                           |                  |                     
|Highway 60Van Buren, Missouri         | 1982                   | 48                                        | Owned            | Owned               
|                                      |                        |                                           |                  |                     
|1330 Highway 67Poplar Bluff, Missouri | 1976                   | ---                                       | Leased(1)        | Owned               
|                                      |                        |                                           |                  |                     
|Highway PPPoplar Bluff, Missouri      | 2001                   | 587                                       | Owned            | Owned               
|                                      |                        |                                           |                  |                     
|Business 60 WestDexter, Missouri      | 1979                   | 85                                        | Owned            | Owned               
|                                      |                        |                                           |                  |                     
|301 First StreetKennett, Missouri     | 1982                   | 827                                       | Owned            | Owned               
|                                      |                        |                                           |                  |                     
|302 WashingtonDoniphan, Missouri      | 2001                   | 638                                       | Owned            | Owned               
|                                      |                        |                                           |                  |                     
|Highway 53Quiln, Missouri             | 2000                   | 54                                        | Owned            | Owned               

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| | (a) | Consolidated Statements of Financial Condition as of June 30, 2004 and 2003*                     
| | --- | -------------------------------------------------------------------------------------------------
| | (b) | Consolidated Statements of Income for the Years Ended June 30, 2004, 2003 and 2002*              
| | (c) | Consolidated Statements of Stockholders' Equity For the Years Ended June 30, 2004, 2003 and
2002*
| | (d) | Consolidated Statements of Cash Flows For the Years Ended June 30, 2004, 2003 and 2002*          
| | (e) | Notes to Consolidated Financial Statements*                                                      

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

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|Plan Category                                              | Number of securities tobe issued upon exerciseof outstanding optionswarrants and rights | Weighted-averageexercise price ofoutstanding optionswarrants and rights | Number of Securitiesremaining available  forfuture issuance underequity compensation plans
|---------------------------------------------------------- | --------------------------------------------------------------------------------------- | ----------------------------------------------------------------------- | ------------------------------------------------------------------------------------------
|                                                           |                                                                                         |                                                                         |                                                                                           
|Equity Compensation Plans
Approved By Security
Holders     | 186,972                                                                                 | $10.24                                                                  | 34,000                                                                                    
|Equity Compensation Plans
Not Approved By Security
Holders | ---                                                                                     | ---                                                                     | ---                                                                                       

|Regulation S-BExhibit Number | **Document**                                   | **Reference toPrior Filingor Exhibit NumberAttached Hereto**
|---------------------------- | ---------------------------------------------- | ------------------------------------------------------------
|                             |                                                |                                                             
|3(i)                         | Certificate of Incorporation of the Registrant | ++                                                          
|3(ii)                        | Bylaws of the Registrant                       | ++                                                          
|10                           | Material contracts:                            |                                                             
|                             |                                                | (a)                                                         
|                             |                                                | (b)                                                         
|                             |                                                | (c)                                                         
|                             |                                                |                                                             
|                             |                                                |                                                             
|                             |                                                | (d)                                                         
|                             |                                                |                                                             
|                             |                                                |                                                             
|                             |                                                |                                                             
|                             |                                                |                                                             
|                             |                                                |                                                             
|                             |                                                |                                                             
|                             |                                                |                                                             
|                             |                                                |                                                             

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|Regulation S-BExhibit Number | **Document**                                          | **Reference toPrior Filingor Exhibit NumberAttached Hereto**
|---------------------------- | ----------------------------------------------------- | ------------------------------------------------------------
|                             |                                                       | (e)                                                         
|11                           | Statement Regarding Computation of Per Share Earnings | 11                                                          
|13                           | 2004 Annual Report to Stockholders                    | 13                                                          
|14                           | Code of Conduct and Ethics                            | 14                                                          
|21                           | Subsidiaries of the Registrant                        | 21                                                          
|23                           | Consent of Auditors                                   | 23                                                          
|31                           | Rule 13a-14(a)/15d-14(a) Certifications               |                                                             
|32                           | Section 1350 Certifications                           |                                                             

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

|(b) | Reports on Form 8-K
|--- | -------------------
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|    |                    
|    |                    
|   
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|   
|    |                    
|   
|    |                    

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|      |                    |  | **SOUTHERN MISSOURI BANCORP, INC.**
|----- | ------------------ |  | -----------------------------------
|      |                    |  |                                    
|Date: | September 28, 2004 |  | By:                                

|By: | /s/ Thadis R. Seifert

Thadis R. SeifertChairman of the Board of Directors                                 |  | September 28, 2004
|--- | ---------------------------------------------------------------------------------------------------------- |  | ------------------
|    |                                                                                                            |  |                   
|By: | /s/ Greg A. SteffensGreg A. SteffensPresident(*Principal Executive and Financial**and Accounting Officer*) |  | September 28, 2004
|    |                                                                                                            |  |                   
|By: | /s/ Leonard W. EhlersLeonard W. EhlersDirector and Vice Chairman                                           |  | September 28, 2004
|    |                                                                                                            |  |                   
|By: | /s/ Samuel H. SmithSamuel H. SmithDirector and Secretary                                                   |  | September 28, 2004
|    |                                                                                                            |  |                   
|By: | /s/ James W. TatumJames W. TatumVice President and Director                                                |  | September 28, 2004
|    |                                                                                                            |  |                   
|By: | /s/ Ronnie D. BlackRonnie D. BlackDirector                                                                 |  | September 28, 2004
|    |                                                                                                            |  |                   
|By: | /s/ L. Douglas BagbyL. Douglas BagbyDirector                                                               |  | September 28, 2004
|    |                                                                                                            |  |                   
|By: | /s/ Sammy A. SchalkSammy A. SchalkDirector                                                                 |  | September 28, 2004

---

|**Regulation S-BExhibit Number** | **Document**                                         
|-------------------------------- | -----------------------------------------------------
|                                 |                                                      
|11                               | Statement Regarding Computation of Per Share Earnings
|                                 |                                                      
|13                               | 2004 Annual Report to Stockholders                   
|                                 |                                                      
|14                               | Code of Conduct and Ethics                           
|                                 |                                                      
|21                               | Subsidiaries of the Registrant                       
|                                 |                                                      
|23                               | Consents of Auditors                                 
|                                 |                                                      
|31                               | Rule 13a-14(a)/15d-14(a) Certifications              
|                                 |                                                      
|32                               | Section 1350 Certifications                          

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