---

---

---

|Securities registered pursuant to Section 12(b) of the Act: | None                                   
|----------------------------------------------------------- | ---------------------------------------
|                                                            |                                        
|                                                            |                                        
|Securities registered pursuant to Section 12(g)of the Act:  | Common Stock, par value $0.01 per share
|                                                            | (Title of Class)                       

---

---

---

---

---

|                             | At June 30,           
|---------------------------- | ----------------------
|                             | 2000                  
|                             | Amount                
|                             | (Dollars in thousands)
|Type of Loan:                |                       
|Mortgage Loans:              |                       
|One-to four-family           | $  94,748             
|Commercial real estate       | 23,303                
|Construction                 | 5,704                 
|Total mortgage loans         | $123,755              
|                             |                       
|Other Loans:                 |                       
|Automobile loans             | 6,263                 
|Second mortgage              | 1,279                 
|Mobile home                  | 335                   
|Loans secured by deposits    | 825                   
|Commercial business          | 7,350                 
|Other                        | 952                   
|Total other loans            | 17,004                
|                             |                       
|Total loans                  | $140,759              
|                             |                       
|Less:                        |                       
|Undisbursed loans in process | $    1,021            
|Deferred fees and discounts  | 36                    
|Allowance for loan losses    | 1,277                 
|Net loans receivable         | $138,425======        
|                             |                       
|Type of Security:            |                       
|Residential real estate      |                       
|One-to four-family           | $  94,761             
|Multi-family                 | 3,100                 
|Commercial real estate       | 22,237                
|Land                         | 3,657                 
|Savings accounts             | 825                   
|Commercial                   | 7,350                 
|Consumer and other           | 8,829                 
|Total loans                  | $140,759              
|                             |                       
|Less:                        |                       
|Undisbursed loans in process | $1,021                
|Deferred fees and discounts  | 36                    
|Allowance for loan losses    | 1,277                 
|Net loans receivable         | $138,425======        

---

---

---

|                       | WithinOne Year         | After One YearThrough 3 Years | After 3 YearsThrough 5 Years | After 5 YearsThrough 10 Years | After 10 Years | Total    
|---------------------- | ---------------------- | ----------------------------- | ---------------------------- | ----------------------------- | -------------- | ---------
|                       | (Dollars in thousands)
|                       |                        |                               |                              |                               |                |          
|One-to four-family     | $51,346                | $  4,853                      | $3,765                       | $2,485                        | $32,299        | $  94,748
|Commercial real estate | 18,335                 | 2,910                         | 1,161                        | 386                           | 511            | 23,303   
|Construction           | 5,704                  | ---                           | ---                          | ---                           | ---            | 5,704    
|Consumer               | 2,696                  | 3,045                         | 3,488                        | 425                           | ---            | 9,654    
|Commercial business    | 4,763                  | 1,505                         | 1,082                        | ---                           | ---            | 7,350    
|Total loan             | $82,844                | $12,313                       | $9,496                       | $3,296                        | $32,810        | $140,759 

---

|                       | Fixed Rates            | Adjustable Rates
|---------------------- | ---------------------- | ----------------
|                       | (Dollars in thousands)
|                       |                        |                 
|One-to four-family     | $37,356                | $  6,547        
|Commercial real estate | 2,354                  | 3,521           
|Construction           | ---                    | ---             
|Consumer               | 5,834                  | 253             
|Commercial business    | 2,050                  | ---             
|Total                  | $47,594======          | $10,321======   

|                                                   | At June 30, 2000       | At June 30, 1999
|-------------------------------------------------- | ---------------------- | ----------------
|                                                   | MortgageLoans          | ConsumerLoans   
|                                                   | (Dollars in thousands)
|Amounts due:                                       |                        |                 
|Within one year                                    | $  75,385              | $2,696          
|After one year           through three years       | 7,763                  | 3,045           
|After three years          through five years      | 4,926                  | 3,488           
|After five years                                   | 35,681                 | 425             
|Total                                              | $123,755=====          | $9,654=====     
|                                                   |                        |                 
|Interest rate terms on
amounts due after one year: |                        |                 
|Fixed                                              | $  39,710              | $5,834          
|Adjustable                                         | 10,068                 | 253             

---

|                                                                 | Year Ended June 30,   
|---------------------------------------------------------------- | ----------------------
|                                                                 | 2000                  
|                                                                 | (Dollars in thousands)
|                                                                 |                       
|Total mortgage loans at beginning of period                      | $109,848              
|Loans originated:                                                |                       
|One-to four-family residential                                   | 24,191                
|Multi-family residential and 
            commercial real estate | 8,441                 
|Construction loans                                               | 7,049                 
|Total loans originated                                           | 39,681                
|                                                                 |                       
|Loans purchased:                                                 |                       
|Total loans purchased                                            | ---                   
|                                                                 |                       
|Loans sold:                                                      |                       
|Total loans sold                                                 | ---                   
|                                                                 |                       
|Mortgage loan principal repayments                               | (25,349)              
|                                                                 |                       
|Foreclosures                                                     | (425)                 
|Net loan activity                                                | 13,907                
|                                                                 |                       
|Total mortgage loans at end of period                            | $123,755======        

---

|                           |                       
|-------------------------- | ----------------------
|                           | Loans Delinquent For: 
|60-89 Days                 | 90 Days and Over      
|                           | Numbers               
|                           | (Dollars in thousands)
|                           |                       
|One-to four-family         | 6                     
|Commercial non-real estate | 1                     
|Commercial real estate     | 1                     
|Mobile home                | 5                     
|Consumer                   | 10                    
|Totals                     | 23====                

---

|                                                   | At June 30,           
|-------------------------------------------------- | ----------------------
|                                                   | 2000                  
|                                                   | (Dollars in thousands)
|                                                   |                       
|Nonaccruing loans:                                 |                       
|One-to four-family                                 | $    38               
|Commercial real estate                             | 185                   
|Consumer                                           | 145                   
|Commercial business                                | 169                   
|Total                                              | $  537                
|                                                   |                       
|Loans 90 days past due 
        accruing interest: |                       
|One-to four-family                                 | $    26               
|Commercial real estate                             | 13                    
|Consumer                                           | ---                   
|Commercial business                                | ---                   
|Mobile homes                                       | ---                   
|Total                                              | $     39              
|                                                   |                       
|Total nonperforming loans                          | $   576               
|                                                   |                       
|Foreclosed assets held for sale:                   |                       
|Real estate owned                                  | $   464               
|Other nonperforming assets                         | 52                    
|Total nonperforming assets                         | $1,092=====           
|                                                   |                       
|Total nonperforming loans         to net loans     | 0.42%                 
|Total nonperforming loans        to net assets     | 0.31%                 
|Total nonperforming assets        to total assets  | 0.59%                 

---

---

|                                                                                    | Year Ended June 30,
|----------------------------------------------------------------------------------- | -------------------
|                                                                                    | 2000               
|                                                                                    |                    
|                                                                                    |                    
|Allowance at beginning of period                                                    | $1,191             
|Recoveries                                                                          |                    
|One-to four-family                                                                  | 1                  
|Consumer                                                                            | 71                 
|Mobile homes                                                                        | 39                 
|Total recoveries                                                                    | 111                
|                                                                                    |                    
|Charge offs:                                                                        |                    
|One-to four-family                                                                  | 29                 
|Commercial real estate                                                              | ---                
|Consumer                                                                            | 172                
|Mobile homes                                                                        | 39                 
|Total charge offs                                                                   | 240                
|                                                                                    |                    
|Net charge offs                                                                     | (129)              
|                                                                                    |                    
|Provision for loan losses                                                           | 215                
|                                                                                    |                    
|Balance at end of period                                                            | $1,277=====        
|                                                                                    |                    
|Ratio of allowance to total loans   
   outstanding at the end of the    
   period | 0.91%              
|Ratio of net charge offs to  
   average loans outstanding   
   during the period  | 0.10%              

---

|                                            |             | At June 30,           
|------------------------------------------- | ----------- | ----------------------
|                                            |             | 2000                  
|                                            |             | Amount                
|                                            |             | (Dollars in thousands)
|                                            |             |                       
|One-to four-family                          | $307        | 67.31%                
|Construction                                | 21          | 4.05                  
|Commercial real estate                      | 529         | 16.55                 
|Consumer                                    | 142         | 6.63                  
|Commercial business                         | 223         | 5.22                  
|Mobile homes                                | 32          | 0.24                  
|                                            |             |                       
|Unallocated                                 | 23          | N/A                   
|Total allowance for             loan losses | $1,277===== | 100.00%=====          

---

---

|                                 | At June 30,           
|-------------------------------- | ----------------------
|                                 | 2000                  
|                                 | Carrying
Value (1)    
|                                 | (Dollars in thousands)
|                                 |                       
|U.S. government agencies         | $17,746               
|State and political subdivisions | 4,208                 
|FHLB stock                       | 1,850                 
|                                 |                       
|Total                            | $23,804               

|                                      | Securities Available for Sale
June 30, 2000
|------------------------------------- | -------------------------------------------
|                                      | AmortizedCost                              
|                                      | (Dollars in thousands)                     
|                                      |                                            
|U.S. government agencies:             |                                            
|Due within 1 year                     | $       ---                                
|Due after 1 year but within 5 years   | 18,339                                     
|Due after 5 years but within 10 years | ---                                        
|Due after 10 years                    | ---                                        
|                                      |                                            
|State and political subdivisions:     |                                            
|Due within 1 year                     | 345                                        
|Due after 1 year but within 5 years   | 2,862                                      
|Due after 5 years but within 10 years | 940                                        
|                                      |                                            
|Total Available for Sale              | $22,486=======                             

---

|                              | At June 30, 2000      
|----------------------------- | ----------------------
|                              | (Dollars in thousands)
|Amounts due:                  |                       
|Within 1 year                 | $  3,802              
|After 1 year through 3 years  | ---                   
|After 3 years through 5 years | ----                  
|After 5 years                 | 9,623                 
|Total                         | $13,425               

|                                                 | At June 30, 2000      
|------------------------------------------------ | ----------------------
|                                                 | (Dollars in thousands)
|Interest rate terms on amounts due after 1 year: |                       
|Fixed                                            | $  9,623              
|Adjustable                                       | 3,802                 
|Pending                                          | ---                   
|Total                                            | $13,425=====          

|                                    | At June 30,           
|----------------------------------- | ----------------------
|                                    | 2000                  
|                                    | CarryingValue         
|                                    | (Dollars in thousands)
|                                    |                       
|FHLMC certificates                  | $       ---           
|GNMA certificates                   | 1,937                 
|FNMA certificates                   | 586                   
|Collateralized mortgage obligations | 10,434                
|                                    |                       
|Total                               | $12,957=====          

---

---

|WeightedAverageInterest |          |                               | Minimum                | Percentageof Total
|----------------------- | -------- | ----------------------------- | ---------------------- | ------------------
|Rate                    | Term     | Category                      | Amount                 | Balance           
|                        |          |                               | (Dollars in thousands)
|                        |          |                               |                        |                   
|0.00%                   | None     | Non-interest Bearing          | $100                   | $2,049            
|2.43                    | None     | Now Accounts                  | 100                    | 11,409            
|2.50                    | None     | Savings Accounts              | 25                     | 6,865             
|4.19                    | None     | Money Market Deposit Accounts | 1,000                  | 13,572            
|                        |          |                               |                        |                   
|                        |          | Certificate of Deposit        |                        |                   
|5.20                    | 91-day   | Fixed-term/Fixed-rate         | 500                    | 766               
|4.93                    | 91-day   | IRA Fixed-term/Fixed-rate     | 500                    | 3                 
|6.00                    | 5 month  | Fixed-term/Fixed-rate         | 500                    | 2,203             
|6.21                    | 5 month  | IRA Fixed-term/Fixed rate     | 500                    | 375               
|5.11                    | 6 month  | Fixed-term/Fixed-rate         | 500                    | 10,337            
|4.90                    | 6 month  | IRA Fixed-term/Fixed-rate     | 500                    | 119               
|5.24                    | 9 month  | Fixed-term/Fixed-rate         | 500                    | 8,401             
|4.87                    | 9 month  | IRA Fixed-term/Fixed-rate     | 500                    | 3,188             
|6.00                    | 11 month | Fixed-term/Fixed-rate         | 500                    | 20,690            
|6.05                    | 11 month | IRA Fixed-term/Fixed-rate     | 500                    | 2,730             
|5.39                    | 12 month | Fixed-term/Fixed-rate         | 500                    | 19,164            
|4.94                    | 12 month | IRA Fixed-term/Fixed-rate     | 500                    | 739               
|5.29                    | 15 month | Fixed-term/Fixed-rate         | 500                    | 6,164             
|5.21                    | 15 month | IRA Fixed-term/Fixed-rate     | 500                    | 1,695             
|5.07                    | 24 month | Fixed-term/Fixed-rate         | 500                    | 2,540             
|5.13                    | 24 month | IRA Fixed-term/Fixed-rate     | 500                    | 89                
|5.57                    | 29 month | Fixed-term/Fixed-rate         | 500                    | 1,758             
|5.30                    | 29 month | IRA Fixed-term/Fixed-rate     | 500                    | 415               
|6.08                    | 30 month | IRA Fixed-term/Fixed-rate     | 500                    | 345               
|5.16                    | 36 month | Fixed-term/Fixed-rate         | 500                    | 2,004             
|5.19                    | 36 month | IRA Fixed-term/Fixed-rate     | 500                    | 3,598             
|5.20                    | 48 month | Fixed-term/Fixed-rate         | 500                    | 397               
|5.15                    | 48 month | IRA Fixed-term/Fixed-rate     | 500                    | 32                
|5.34                    | 60 month | Fixed-term/Fixed-rate         | 500                    | 2,118             
|5.15                    | 60 month | IRA Fixed-term/Fixed-rate     | 500                    | 89                
|8.01                    | 96 month | Fixed-term/Fixed-rate         | 500                    | 66                
|                        |          |                               |                        |                   
|                        |          |                               |                        | $123,920======    

---

|Maturity Period                | Amount                
|------------------------------ | ----------------------
|                               | (Dollars in thousands)
|                               |                       
|Three months or less           | $  4,754              
|Over three through six months  | 7,970                 
|Over six through twelve months | 7,157                 
|Over 12 months                 | 627                   
|Total                          | $20,508========       

|             | At June 30,           
|------------ | ----------------------
|             | 2000                  
|             | (Dollars in thousands)
|             |                       
|4.00 - 4.99% | $28,951               
|5.00 - 5.99% | 37,008                
|6.00 - 6.99% | 23,948                
|7.00 - 7.99% | 52                    
|8.00 - 8.99% | 66                    
|9.00 - 9.99% | ---                   
|             |                       
|Total        | $90,025========       

|             | Amount Due            
|------------ | ----------------------
|             | LessThan OneYear      
|             | (Dollars in thousands)
|             |                       
|4.00 - 4.99% | $28,187               
|5.00 - 5.99% | 31,470                
|6.00 - 6.99% | 23,190                
|7.00 - 7.99% | 42                    
|8.00 - 8.99% | ---                   
|             |                       
|Total        | $82,889=======        

---

|                                             | At June 30,           
|-------------------------------------------- | ----------------------
|                                             | 2000                  
|                                             | Amount                
|                                             | (Dollars in thousands)
|                                             |                       
|Noninterest bearing                          | $    2,049            
|NOW checking                                 | 11,409                
|Regular savings accounts                     | 6,865                 
|Money market deposit                         | 13,572                
|Fixed-rate certificates
    which mature(1): |                       
|Within one year                              | 82,889                
|Within three years                           | 6,018                 
|After three years                            | 1,118                 
|Total                                        | $123,920======        

---

|                                                 | At June 30,           
|------------------------------------------------ | ----------------------
|                                                 | 2000                  
|                                                 | (Dollars in thousands)
|                                                 |                       
|Beginning Balance                                | $120,154              
|                                                 |                       
|Net increase (decrease) before interest credited | (412)                 
|Interest credited                                | 4,178                 
|Net increase (decrease) in savings deposits      | 3,766                 
|                                                 |                       
|Ending balance                                   | $123,920========      

|                                                                            | Year Ended June 30,   
|--------------------------------------------------------------------------- | ----------------------
|                                                                            | 2000                  
|                                                                            |                       
|                                                                            | (Dollars in thousands)
|                                                                            |                       
|Amount outstanding at year end                                              | $37,000               
|Weighted average rate at year end                                           | 6.09%                 
|Maximum amount of borrowings outstanding
    at any month end:              |                       
|FHLB advances                                                               | 37,000                
|Approximate average short-term borrowings
     outstanding with respect to: |                       
|FHLB advances                                                               | 8,869                 
|Other FHLB long term borrowings                                             | 17,836                
|Weighted average rate paid on FHLB advances                                 | 5.60%                 

---

---

---

---

---

|                                         | At June 30, 2000      
|---------------------------------------- | ----------------------
|                                         | Amount                
|                                         | (Dollars in thousands)
|                                         |                       
|Tier 1 (leverage) capital                | $21,482               
|Tier 1 (leverage) capital requirement(2) | 7,229                 
|Excess                                   | $14,253======         
|                                         |                       
|Tier 1 risk adjusted capital             | $21,482               
|Tier 1 risk adjusted capital requirement | 4,296                 
|Excess                                   | $17,186======         
|                                         |                       
|Total risk-based capital                 | $22,759               
|Total risk-based capital requirement     | 8,593                 
|Excess                                   | $14,166======         

|(1) | For the Tier 1 (leverage) capital and Missouri regulatory capital calculations, percent of total average assets
of $180.7 million.  For the Tier 1 risk-based capital and total risk-based capital calculations, percent of total
risk-weighted assets of $107.4 million.                                                                                                                                                                                                                                                                                                                                                                                                                                              
|--- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2) | As a Missouri-chartered savings bank, the Bank is subject to the capital requirements of the FDIC and the
Division.  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, 2000 | LandOwned/Leased | BuildingOwned/Leased
|-------------------------------------------- | ---------------------- | ----------------------------------------- | ---------------- | --------------------
|                                             | (Dollars in thousands)
|Main Office                                  |                        |                                           |                  |                     
|531 Vine StreetPoplar Bluff, Missouri        | 1966                   | $480                                      | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|Branch Offices                               |                        |                                           |                  |                     
|                                             |                        |                                           |                  |                     
|Highway 60
Van Buren, Missouri               | 1982                   | 137                                       | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|1330 Highway 67
Poplar Bluff, Missouri       | 1976                   | ---                                       | Leased(1)        | Owned               
|                                             |                        |                                           |                  |                     
|Business 60 West
Dexter, Missouri            | 1979                   | 241                                       | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|100 South Madison
Malden, Missouri           | 1974                   | ---                                       | Leased(2)        | Leased              
|                                             |                        |                                           |                  |                     
|308 First Street
Kennett, Missouri           | 1982                   | 159                                       | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|116 Washington
Doniphan, Missouri            | 1976                   | ---                                       | Leased(3)        | Leased              
|                                             |                        |                                           |                  |                     
|Highway 106 & 2nd Street
Ellington, Missouri | 1987                   | ---                                       | Leased(4)        | Leased              

|(1) | Lease expired on September 3, 1999 and was renewed for its final 5 year period.
|--- | -------------------------------------------------------------------------------
|(2) | Month-to-month lease.                                                          
|(3) | Leased for $400 per month. Lease expires November 1, 2002.                     
|(4) | Month-to-month lease.                                                          

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---

---

|* | 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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---

|                  |                     | Position                          
|----------------- | ------------------- | ----------------------------------
|Name              | Age atJune 30, 2000 | Company                           
|                  |                     |                                   
|Thadis R. Seifert | 81                  | Chairman of the Boardand President
|Samuel H. Smith   | 62                  | Secretary/Treasurer               
|Greg A. Steffens  | 33                  | Chief Financial Officer           

|Name            | Age at June 30, 2000 | Position                                             
|--------------- | -------------------- | -----------------------------------------------------
|                |                      |                                                      
|James W. Tatum  | 74                   | Vice Chairman                                        
|James D. Duncan | 43                   | Executive Vice President and Chairman Loan
Department

---

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---



---

---

---



|By: | /s/ Thadis R. Seifert
Thadis R. Seifert
	President
(Principal Executive Officer)                            | September 28, 2000
|--- | ----------------------------------------------------------------------------------------------------------- | ------------------
|    |                                                                                                            
|By: | Donald R. Crandell
	Director                                                                                | September 28, 2000
|    |                                                                                                            
|By: | /s/ Greg A. Steffens
Greg A. Steffens
	Chief Financial Officer
(Principal Financial and Accounting Officer) | September 28, 2000
|    |                                                                                                            
|By: | /s/ Leonard W. Ehlers
Leonard W. Ehlers
	Director                                                           | September 28, 2000
|    |                                                                                                            
|By: | /s/ Samuel H. Smith 
Samuel H. Smith
	Director                                                              | September 28, 2000
|    |                                                                                                            
|By: | /s/ James W. Tatum 
James W. Tatum
	Vice President and Director                                             | September 28, 2000
|    |                                                                                                            
|By: | /s/ Ronnie D. Black  
Ronnie D. Black
	Director                                                             | September 28, 2000
|    |                                                                                                            
|By: | /s/ L. Douglas Bagby 
L. Douglas Bagby
	Director                                                            | September 28, 2000

---

|**Regulation S-B****Exhibit Number** | **Document**                                                                                                                                                                                                                   | **Reference to Prior Filing**
**or Exhibit Number**
**Attached Hereto**
|------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | -----------------------------------------------------------------------
|                                     |                                                                                                                                                                                                                                |                                                                        
|3(i)                                 | Certificate of Incorporation of the Registrant                                                                                                                                                                                 | 3(i)                                                                   
|3(ii)                                | Bylaws of the Registrant                                                                                                                                                                                                       | 3(ii)                                                                  
|10                                   | Material contracts:                                                                                                                                                                                                            |                                                                        
|                                     | (a)      Registrant's 1994 Stock Option Plan                                                                                                                                                                                   | *                                                                      
|                                     | (b)      Southern Missouri Savings Bank, FSB
          Management Recognition and Development Plans                                                                                                                            | *                                                                      
|                                     | (c)      Employment Agreement with Greg A. Steffens                                                                                                                                                                            | **                                                                     
|                                     | (d)      Director's Retirement Agreements
         (i)      Robert A. Seifert

         (ii)      Thadis R. Seifert

         (iv)      Leonard W. Ehlers

         (v)      James W. Tatum
         (vi)      Samuel H. Smith | ***                                                                    
|                                     | (e)      Tax Sharing Agreement                                                                                                                                                                                                 | ***                                                                    
|11                                   | Statement Regarding Computation of Per Share Earnings                                                                                                                                                                          | 11                                                                     
|13                                   | 2000 Annual Report to Stockholders                                                                                                                                                                                             | 13                                                                     
|21                                   | Subsidiaries of the Registrant                                                                                                                                                                                                 | 21                                                                     
|23                                   | Consent of Auditors                                                                                                                                                                                                            | 23                                                                     
|27                                   | Financial Data Schedule                                                                                                                                                                                                        | 27