**EXHIBIT 31**

**CERTIFICATION**

I, Greg A. Steffens, certify that:

|1) | I have reviewed this annual report on Form 10-K of Southern Missouri Bancorp, Inc.;                                                                                                                                                                                                                       
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|2) | Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to
state a material fact necessary to make the statements made, in light of the circumstances under which
such statements were made, not misleading with respect to the period covered by this report;
|3) | Based on my knowledge, the financial statements, and other financial information included in this
report, fairly present in all material respects the financial condition, results of operations and cash flows
of the registrant as of, and for, the periods presented in this report;                   
|4) | I am responsible for establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined
in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:                     
|   | a)                                                                                                                                                                                                                                                                                                        
|   | b)                                                                                                                                                                                                                                                                                                        
|   | c)                                                                                                                                                                                                                                                                                                        
|   | d)                                                                                                                                                                                                                                                                                                        
|5) | I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the
registrant's auditors and the audit committee of the registrant's board of directors (or persons performing
the equivalent functions):                                                         
|   | a)                                                                                                                                                                                                                                                                                                        
|  
|   | b)                                                                                                                                                                                                                                                                                                        



|Date: | September 28, 2007 |  | By: | /s/ Greg A. SteffensGreg A. Steffens
President
(*Principal Executive and Principal Financial and*Accounting Officer*)*
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