|[**X**] | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934    
|------- | ----------------------------------------------------------------------------------------
|       
|        | For the fiscal year ended     **June 30, 2006**       OR                                
|       
|[   ]   | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

---

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

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

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> further developments in the Company's ongoing review of and efforts to resolve the problem credit
> relationship described in this report, which could result in, among other things, further downgrades of aforementioned
> loans, additional provisions to the loan loss reserve and the incurrence of other material non-cash and cash charges;
> 
> 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,           
|----------------------- | ---------------------------- | ----------------------
|                        |                              | 2006                  
|                        |                              | Amount                
|                        |                              | (Dollars in thousands)
|Type of Loan:           |                              |                       
|Mortgage Loans:         |                              |                       
|                        | One-to four-family           | $127,205              
|                        | Commercial real estate       | 65,374                
|                        | Construction                 | 10,868                
|                        | Total mortgage loans         | $203,447              
|                        |                              |                       
|Other Loans:            |                              |                       
|                        | Automobile loans             | 10,428                
|                        | Commercial business          | 65,109                
|                        | Home equity                  | 7,007                 
|                        | Other                        | 2,671                 
|                        |                              | Total other loans     
|                        |                              |                       
|                        |                              | Total loans           
|                        |                              |                       
|Less:                   |                              |                       
|                        | Undisbursed loans in process | $    5,738            
|                        | Deferred fees and discounts  | (65)                  
|                        | Allowance for loan losses    | 2,058                 
|                        |                              | Net loans receivable  
|                        |                              |                       
|Type of Security:       |                              |                       
|Residential real estate |                              |                       
|                        | One-to four-family           | $134,111              
|                        | Multi-family                 | 1,571                 
|Commercial real estate  | 54,544                       | 19.41                 
|Land                    | 14,177                       | 5.04                  
|Commercial              | 64,153                       | 22.84                 
|Consumer and other      | 20,106                       | 7.16                  
|                        |                              | Total loans           
|                        |                              |                       
|Less:                   |                              |                       
|                        | Undisbursed loans in process | 5,738                 
|                        | Deferred fees and discounts  | (65)                  
|                        | Allowance for loan losses    | 2,058                 
|                        |                              | Net loans receivable  

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|                       |                              | At June 30,                
|---------------------- | ---------------------------- | ---------------------------
|                       |                              | 2006                       
|                       |                              | Amount                     
|                       |                              |                            
|Type of Loan:          |                              |                            
|Fixed-Rate Loans:      |                              |                            
|                       | One-to four-family           | $  88,261                  
|                       | Commercial real estate       | 25,667                     
|                       | Construction                 | 6,536                      
|                       | Consumer                     | 13,059                     
|                       | Commercial business          | 25,315                     
|                       |                              |                            
|                       |                              | Total fixed-rate loans     
|                       |                              |                            
|Adjustable-Rate Loans: |                              |                            
|                       | One-to four-family           | 38,944                     
|                       | Commercial real estate       | 39,706                     
|                       | Construction                 | 4,333                      
|                       | Consumer                     | 7,047                      
|                       | Commercial business          | 39,794                     
|                       |                              |                            
|                       |                              | Total adjustable-rate loans
|                       |                              |                            
|                       |                              | Total Loans                
|                       |                              |                            
|Less:                  |                              |                            
|                       | Undisbursed loans in process | 5,738                      
|                       | Net deferred loan fees       | (65)                       
|                       | Allowance for loan loss      | 2,058                      
|                       |                              | $280,931                   

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|                              |          | Less Than
1 Year | 1-3 Years | 4-5 Years | More Than5 Years | Total    
|----------------------------- | -------- | ---------------- | --------- | --------- | ---------------- | ---------
|                              |          | (In Thousands)  
|Federal Home Loan Bank        |          |                  |           |           |                 
|                              | advances | $    6,000       | $  6,000  | $34,000   | $ ---            | $  46,000
|Certificates of deposit       | 113,100  | 10,166           | 2,319     | 4         | 125,589         
|                              | Total    | $119,100         | $16,166   | $36,319   | $  4             | $171,589 
|                              |          |                  |           |           |                  |          
|                              |          |                  |           |           |                  |          
|                              |          | Less Than1 Year  | 1-3 Years | 4-5 Years | More Than5 Years | Total    
|                              |          | (In Thousands)  
|                              |          |                  |           |           |                 
|Construction loans in process | $  5,738 | $  ---           | $  ---    | $     --- | $  5,738        
|Other commitments             | 28,435   | 624              | 392       | 5,374     | 34,825          
|                              |          | $34,173          | $624      | $392      | $5,374           | $40,563  

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|                       | WithinOne Year         | AfterOne YearThrough5 Years | After5 YearsThrough10 Years | After10 Years | Total   
|---------------------- | ---------------------- | --------------------------- | --------------------------- | ------------- | --------
|                       | (Dollars in thousands)
|                       |                        |                             |                             |               |         
|One-to four-family     | $  18,405              | $23,129                     | $13,029                     | $72,642       | $127,205
|Commercial real estate | 34,632                 | 27,043                      | 2,276                       | 1,423         | 65,374  
|Construction           | 10,868                 | ---                         | ---                         | ---           | 10,868  
|Consumer               | 9,290                  | 10,606                      | 210                         | ---           | 20,106  
|Commercial business    | 40,527                 | 24,027                      | 526                         | 29            | 65,109  
|Total loans            | $113,722               | $84,805                     | $16,041                     | $74,084       | $288,662

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|                                                            | Year Ended June 30,   
|----------------------------------------------------------- | ----------------------
|                                                            | 2006                  
|                                                            | (Dollars in thousands)
|                                                            |                       
|Total loans at beginning of period                          | $273,174              
|Loans originated:                                           |                       
|One-to four-family residential                              | 31,079                
|Multi-family residential and         commercial real estate | 32,754                
|Construction loans                                          | 10,143                
|Commercial and industrial                                   | 36,265                
|Consumer and others                                         | 9,728                 
|Total loans originated                                      | 119,969               
|                                                            |                       
|Loans purchased:                                            |                       
|Total loans purchased                                       | 4,118                 
|                                                            |                       
|Loans sold:                                                 |                       
|Total loans sold                                            | (5,184)               
|                                                            |                       
|Principal repayments                                        | (103,159)             
|                                                            |                       
|Foreclosures                                                | (256)                 
|Net loan activity                                           | 15,488                
|                                                            |                       
|Total loans at end of period                                | $288,662              

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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         | 1                      | $11                                 
|Commercial real estate     | ---                    | ---                                 
|Commercial non-real estate | ---                    | ---                                 
|Other consumer             | 4                      | 17                                  
|Totals                     | 5                      | $28                                 

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|                                             | At June 30,           
|-------------------------------------------- | ----------------------
|                                             | 2006                  
|                                             | (Dollars in thousands)
|                                             |                       
|Nonaccruing loans:                           |                       
|One-to four-family                           | $  ---                
|Commercial real estate                       | --                    
|Consumer                                     | 51                    
|Commercial business                          | ---                   
|Total                                        | $  51                 
|                                             |                       
|Loans 90 days past due

accruing interest:   |                       
|One-to four-family                           | $  ---                
|Commercial real estate                       | --                    
|Consumer                                     | 2                     
|Commercial business                          | ---                   
|Total                                        | $    2                
|                                             |                       
|Total nonperforming loans                    | $  53                 
|                                             |                       
|Foreclosed assets held for sale:             |                       
|Real estate owned                            | $200                  
|Other nonperforming assets                   | 16                    
|Total nonperforming assets                   | $269                  
|                                             |                       
|Total nonperforming loans 
   to net loans   | 0.02%                 
|Total nonperforming loans   to net assets    | 0.02%                 
|Total nonperforming assets   to total assets | 0.08%                 

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|                                                                              | Year Ended June 30,   
|----------------------------------------------------------------------------- | ----------------------
|                                                                              | 2006                  
|                                                                              | (Dollars in thousands)
|                                                                              |                       
|Allowance at beginning of period                                              | $2,016                
|Recoveries                                                                    |                       
|One-to four-family                                                            | ---                   
|Commercial real estate                                                        | ---                   
|Commercial business                                                           | 11                    
|Consumer                                                                      | 54                    
|Total recoveries                                                              | 65                    
|                                                                              |                       
|Charge offs:                                                                  |                       
|One-to four-family                                                            | 57                    
|Commercial real estate                                                        | ---                   
|Commercial business                                                           | 374                   
|Consumer                                                                      | 147                   
|Total charge offs                                                             | 578                   
|                                                                              |                       
|Net charge offs                                                               | (513)                 
|Acquired allowance for losses                                                 | ---                   
|Provision for loan losses                                                     | 555                   
|                                                                              |                       
|Balance at end of period                                                      | $2,058                
|                                                                              |                       
|Ratio of allowance to total loans
   outstanding at the end of the
   period  | 0.73%                 
|Ratio of net charge offs to
   average loans outstanding
   during the period | 0.19%                 

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|                                      | At June 30,           
|------------------------------------- | ----------------------
|                                      | 2006                  
|                                      | Amount                
|                                      | (Dollars in thousands)
|                                      |                       
|One-to four-family                    | $   205               
|Construction                          | 81                    
|Commercial real estate                | 619                   
|Consumer                              | 293                   
|Commercial business                   | 857                   
|Unallocated                           | 3                     
|Total allowance for
      loan losses | $2,058                

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|                                       | At June 30,           
|-------------------------------------- | ----------------------
|                                       | 2006                  
|                                       | FairValue             
|                                       | (Dollars in thousands)
|                                       |                       
|U.S. government and governmentagencies | $20,164               
|State and political subdivisions       | 850                   
|FNMA preferred stock                   | 1,000                 
|Equity securities                      | ---                   
|FHLB stock                             | 2,641                 
|Other securities                       | 1,948                 
|                                       |                       
|Total                                  | $26,603               

|                                                          | Available Securities for SaleJune 30, 2006
|--------------------------------------------------------- | ------------------------------------------
|                                                          | AmortizedCost                             
|                                                          | (Dollars in thousands)                    
|                                                          |                                           
|U.S. government, government agencies andother securities: |                                           
|Due within 1 year                                         | $  1,450                                  
|Due after 1 year but within 5 years                       | 20,673                                    
|Due after 5 years but within 10 years                     | ---                                       
|Due over 10 years                                         | 500                                       
|Total                                                     | 22,623                                    
|                                                          |                                           
|State and political subdivisions:                         |                                           
|Due within 1 year                                         | 340                                       
|Due after 1 year but within 5 years                       | 512                                       
|Due after 5 years but within 10 years                     | ---                                       
|Total                                                     | 852                                       
|                                                          |                                           
|No stated maturity:                                       |                                           
|FNMA preferred stock                                      | 1,000                                     
|FHLB stock                                                | 2,641                                     
|                                                          | 3,641                                     
|                                                          |                                           
|Total Available for Sale                                  | $27,116                                   

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|                              | At June 30, 2006      
|----------------------------- | ----------------------
|                              | (Dollars in thousands)
|Amounts due:                  |                       
|Within 1 year                 | $     729             
|After 1 year through 3 years  | 268                   
|After 3 years through 5 years | ---                   
|After 5 years                 | 14,026                
|Total                         | $15,023               

|                                                 | At June 30, 2006      
|------------------------------------------------ | ----------------------
|                                                 | (Dollars in thousands)
|Interest rate terms on amounts due after 1 year: |                       
|Fixed                                            | $14,294               
|Adjustable                                       | 729                   
|Total                                            | $15,023               

|                                                                 | At June 30,           
|---------------------------------------------------------------- | ----------------------
|                                                                 | 2006                  
|                                                                 | Amortized


Cost      
|                                                                 | (Dollars in thousands)
|                                                                 |                       
|FHLMC certificates                                               | $1,854                
|GNMA certificates                                                | 194                   
|FNMA certificates                                                | 5,624                 
|Collateralized mortgage obligations issuedby government agencies | 7,351                 
|Collateralized mortgage obligations issuedby private issuer      | ---                   
|                                                                 |                       
|Total                                                            | $15,023               

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|WeightedAverage InterestRate | Term     | Category                      | MinimumAmount | Balance        | Percentageof TotalDeposits
|---------------------------- | -------- | ----------------------------- | ------------- | -------------- | --------------------------
|                             |          |                               |               | (In thousands) |                           
|                             |          |                               |               |                |                           
|0.00%                        | None     | Non-interest Bearing          | $   100       | $  18,710      | 7.25%                     
|1.44                         | None     | NOW Accounts                  | 100           | 31,037         | 12.03                     
|3.73                         | None     | Savings Accounts              | 100           | 73,825         | 28.61                     
|2.02                         | None     | Money Market Deposit Accounts | 1,000         | 8,908          | 3.45                      
|                             |          |                               |               |                |                           
|                             |          | Certificates of Deposit       |               |                |                           
|4.75%                        | 30-day   | 30-day Fixed-term/Fixed rate  | 1,000         | 189            | 0.07%                     
|4.77                         | 91-day   | Fixed-term/Fixed-rate         | 1,000         | 497            | 0.19                      
|3.21                         | 91-day   | IRA Fixed-term/Fixed-rate     | 1,000         | 20             | 0.01                      
|4.31                         | 5 month  | Fixed-term/Fixed-rate         | 1,000         | 4,376          | 1.70                      
|4.20                         | 5 month  | IRA Fixed-term/Fixed-rate     | 1,000         | 186            | 0.07                      
|4.24                         | 6 month  | Fixed-term/Fixed-rate         | 1,000         | 9,180          | 3.56                      
|3.30                         | 6 month  | IRA Fixed-term/Fixed-rate     | 1,000         | 321            | 0.13                      
|5.03                         | 7 month  | Fixed-term/Fixed-rate         | 1,000         | 12,941         | 5.01                      
|5.02                         | 7 month  | IRA Fixed-term/Fixed-rate     | 1,000         | 1,317          | 0.51                      
|4.06                         | 9 month  | Fixed-term/Fixed-rate         | 1,000         | 9,286          | 3.60                      
|3.90                         | 9 month  | IRA Fixed-term/Fixed-rate     | 1,000         | 1,067          | 0.41                      
|4.19                         | 11 month | Fixed-term/Fixed-rate         | 1,000         | 12,898         | 5.00                      
|4.06                         | 11 month | IRA Fixed-term/Fixed-rate     | 1,000         | 2,820          | 1.09                      
|3.90                         | 12 month | Fixed-term/Fixed-rate         | 1,000         | 15,282         | 5.92                      
|3.58                         | 12 month | IRA Fixed-term/Fixed-rate     | 1,000         | 1,347          | 0.52                      
|3.88                         | 13 month | Fixed-term/Fixed-rate         | 1,000         | 10,889         | 4.22                      
|3.85                         | 13 month | IRA Fixed-term/Fixed-rate     | 1,000         | 387            | 0.15                      
|3.58                         | 15 month | Fixed-term/Fixed-rate         | 1,000         | 7,363          | 2.85                      
|3.51                         | 15 month | IRA Fixed-term/Fixed-rate     | 1,000         | 1,365          | 0.53                      
|3.53                         | 18 month | Fixed-term/Fixed-rate         | 1,000         | 587            | 0.23                      
|4.00                         | 18 month | IRA Fixed-term/Fixed-rate     | 1,000         | 540            | 0.21                      
|3.20                         | 24 month | Fixed-term/Fixed-rate         | 1,000         | 2,409          | 0.93                      
|2.87                         | 24 month | IRA Fixed-term/Fixed-rate     | 1,000         | 370            | 0.14                      
|4.83                         | 24 month | IRA Fixed-term/Variable rate  | 1,000         | 314            | 0.12                      
|3.01                         | 25 month | Fixed-term/Fixed-rate         | 1,000         | 2,341          | 0.91                      
|2.98                         | 25 month | IRA Fixed-term/Fixed-rate     | 1,000         | 270            | 0.10                      
|8.46                         | 29 month | Fixed-term/Fixed-rate         | 1,000         | 1              | ---                       
|3.23                         | 30 month | Fixed-term/Fixed-rate         | 1,000         | 276            | 0.11                      
|3.03                         | 35 month | Fixed-term/Fixed-rate         | 1,000         | 57             | 0.03                      
|3.37                         | 35 month | IRA Fixed-term/Fixed-rate     | 1,000         | 118            | 0.05                      
|3.06                         | 36 month | Fixed-term/Fixed-rate         | 1,000         | 6,907          | 2.68                      
|2.91                         | 36 month | IRA Fixed-term/Fixed-rate     | 1,000         | 2,483          | 0.96                      
|3.57                         | 48 month | Fixed-term/Fixed-rate         | 1,000         | 825            | 0.32                      
|3.47                         | 48 month | IRA Fixed-term/Fixed-rate     | 1,000         | 231            | 0.09                      
|4.94                         | 55 month | Fixed-term/Fixed-rate         | 1,000         | 5,639          | 2.19                      
|4.91                         | 55 month | IRA Fixed-term/Fixed-rate     | 1,000         | 1,010          | 0.39                      
|4.18                         | 60 month | Fixed-term/Fixed-rate         | 1,000         | 6,912          | 2.68                      
|3.14                         | 60 month | IRA Fixed-term/Fixed-rate     | 1,000         | 2,463          | 0.95                      
|4.00                         | 84 month | Fixed-term/Fixed-rate         | 1,000         | 74             | 0.03                      
|3.96                         | 96 month | Fixed-term/Fixed-rate         | 1,000         | 1              | ---                       
|                             |          |                               |               |                |                           
|                             |          |                               |               | $258,069       | 100.00%                   

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|Maturity Period                | Amount                
|------------------------------ | ----------------------
|                               | (Dollars in thousands)
|                               |                       
|Three months or less           | $28,091               
|Over three through six months  | 9,149                 
|Over six through twelve months | 7,548                 
|Over 12 months                 | 2,721                 
|Total                          | $47,509               

|             | At June 30,           
|------------ | ----------------------
|             | 2006                  
|             | (Dollars in thousands)
|             |                       
|0.00 - 0.99% | $         ---         
|1.00 - 1.99% | ---                   
|2.00 - 2.99% | 9,475                 
|3.00 - 3.99% | 56,044                
|4.00 - 4.99% | 49,635                
|5.00 - 5.99% | 10,435                
|6.00 - 6.99% | ---                   
|             |                       
|Total        | $125,589              

|             | Amount Due            
|------------ | ----------------------
|             | LessThan OneYear      
|             | (Dollars in thousands)
|             |                       
|2.00 - 2.99% | $    8,559            
|3.00 - 3.99% | 49,405                
|4.00 - 4.99% | 44,891                
|5.00 - 5.99% | 10,245                
|             |                       
|Total        | $113,100              

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|                                                              | At June 30,           
|------------------------------------------------------------- | ----------------------
|                                                              | 2006                  
|                                                              | Amount                
|                                                              | (Dollars in thousands)
|                                                              |                       
|Noninterest bearing                                           | $  18,710             
|NOW checking                                                  | 31,037                
|Savings accounts                                              | 73,825                
|Money market deposit                                          | 8,908                 
|Fixed-rate certificateswhich mature(1):                       |                       
|Within one year                                               | 112,952               
|Within three years                                            | 10,000                
|After three years                                             | 2,323                 
|Variable-rate certificates
   which mature within
   one year | 148                   
|Variable-rate certificates
which mature withintwo years       | 166                   
|Total                                                         | $258,069              

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|                                      | At June 30,           
|------------------------------------- | ----------------------
|                                      | 2006                  
|                                      | (Dollars in thousands)
|                                      |                       
|Beginning Balance                     | $224,666              
|                                      |                       
|Net increase before interest credited | 27,511                
|Interest credited                     | 5,892                 
|Net increase in deposits              | 33,403                
|                                      |                       
|Ending balance                        | $258,069              

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|                  |                                                | Year Ended June 30,        
|----------------- | ---------------------------------------------- | ---------------------------
|                  |                                                | 2006                       
|                  |                                                | (Dollars in thousands)     
|Year end balances |                                                |                            
|                  | Short-term FHLB advances                       | $       ---                
|                  | Securities sold under agreements to repurchase | 11,296                     
|                  |                                                | Total short-term borrowings
|                  |                                                |                            
|                  | Weighted average rate at year end              | 4.69%                      
|                  |                                                |                            

|                                               |                                      |                        | Year Ended June 30,
|---------------------------------------------- | ------------------------------------ | ---------------------- | -------------------
|                                               |                                      | 2006                   | 2005               
|                                               |                                      | (Dollars in thousands)
|FHLB advances                                  |                                      |                        |                    
|                                               | Daily average balance                | $54,642                | $60,263            
|                                               | Weighted average interest rate       | 5.28%                  | 4.93%              
|                                               | Maximum outstanding at any month end | $67,750                | $68,750            
|                                               |                                      |                        |                    
|Securities sold under agreements to repurchase |                                      |                        |                    
|                                               | Daily average balance                | $10,420                | $  8,847           
|                                               | Weighted average interest rate       | 3.84%                  | 2.11%              
|                                               | Maximum outstanding at any month end | $12,589                | $13,231            
|                                               |                                      |                        |                    
|Subordinated Debt                              |                                      |                        |                    
|                                               | Daily average balance                | $  7,217               | $  7,217           
|                                               | Weighted average interest rate       | 7.10%                  | 5.12%              
|                                               | Maximum outstanding at month end     | $  7,217               | $  7,217           

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> cash flow of the borrower and/or the project being financed;
> 
> in the case of a collateralized loan, the changes and uncertainties as to the future value of the collateral;
> 
> the credit history of a particular borrower;
> 
> changes in economic and industry conditions; and
> 
> the duration of the loan.

> an ongoing review of the quality, size and diversity of the loan portfolio;
> 
> evaluation of non-performing loans;
> 
> historical default and loss experience;
> 
> historical recovery experience;
> 
> existing economic conditions;
> 
> risk characteristics of the various classifications of loans; and
> 
> the amount and quality of collateral, including guarantees, securing the loans.

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|Location                                     | YearOpened             | Building NetBook Value as ofJune 30, 2006 | LandOwned/Leased | BuildingOwned/Leased
|-------------------------------------------- | ---------------------- | ----------------------------------------- | ---------------- | --------------------
|                                             | (Dollars in thousands)
|Main Office                                  |                        |                                           |                  |                     
|                                             |                        |                                           |                  |                     
|531 Vine StreetPoplar Bluff, Missouri        | 1966                   | $633                                      | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|Branch Offices                               |                        |                                           |                  |                     
|                                             |                        |                                           |                  |                     
|502 Main StreetVan Buren, Missouri           | 1982                   | 37                                        | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|1330 N. Westwood Blvd.Poplar Bluff, Missouri | 1976                   | 3                                         | Leased(1)        | Owned               
|                                             |                        |                                           |                  |                     
|4214 Highway PPPoplar Bluff, Missouri        | 2001                   | 554                                       | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|713 Business 60 WestDexter, Missouri         | 1979                   | 74                                        | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|301 First StreetKennett, Missouri            | 1982                   | 853                                       | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|302 WashingtonDoniphan, Missouri             | 2001                   | 604                                       | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|13371 Highway 53Qulin, Missouri              | 2000                   | 53                                        | Owned            | Owned               
|                                             |                        |                                           |                  |                     
|1205 S. Main St.Sikeston, Missouri           | 2006                   | 969                                       | Owned            | Owned               

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|                         | Total #of SharesPurchased | AveragePricePaid PerShare | Total # of SharesPurchased as Partof a PubliclyAnnouncedProgram | MaximumNumber ofShares ThatMay Yet BePurchased
|------------------------ | ------------------------- | ------------------------- | --------------------------------------------------------------- | ----------------------------------------------
|06/01/06-06/30/06 period | ---                       | ---                       | ---                                                             | 26,355                                        
|05/01/06-05/31/06 period | ---                       | ---                       | ---                                                             | 26,355                                        
|04/01/06-04/30/06 period | ---                       | ---                       | ---                                                             | 26,355                                        

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| | (a) | Consolidated Balance Sheets as of June 30, 2006 and 2005*                                        
| | --- | -------------------------------------------------------------------------------------------------
| | (b) | Consolidated Statements of Income for the Years Ended June 30, 2006, 2005 and 2004*              
| | (c) | Consolidated Statements of Stockholders' Equity For the Years Ended June 30, 2006, 2005 and
2004*
| | (d) | Consolidated Statements of Cash Flows For the Years Ended June 30, 2006, 2005 and 2004*          
| | (e) | Notes to Consolidated Financial Statements*                                                      

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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     | 180,500                                                                                 | $10.64                                                                  | 27,500                                                                                    
|Equity Compensation Plans
Not Approved By Security
Holders | ---                                                                                     | ---                                                                     | ---                                                                                       

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|Regulation S-KExhibit Number | **Document**                                          | **Reference toPrior Filingor Exhibit NumberAttached Hereto**
|---------------------------- | ----------------------------------------------------- | ------------------------------------------------------------
|                             |                                                       |                                                             
|3(i)                         | Certificate of Incorporation of the Registrant        | ++                                                          
|3(ii)                        | Bylaws of the Registrant                              | ++                                                          
|10                           | Material contracts:                                   |                                                             
|                             |                                                       | (a)                                                         
|                             |                                                       | (b)                                                         
|                             |                                                       | (c)                                                         
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       | (d)                                                         
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       |                                                             
|                             |                                                       | (e)                                                         
|11                           | Statement Regarding Computation of Per Share Earnings | 11                                                          
|13                           | 2006 Annual Report to Stockholders                    | 13                                                          
|14                           | Code of Conduct and Ethics                            | +++                                                         
|21                           | Subsidiaries of the Registrant                        | 21                                                          
|23                           | Consent of Auditors                                   | 23                                                          
|31                           | Rule 13a-14(a)/15d-14(a) Certifications               |                                                             
|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 Report on Form 10-QSB for the quarter ended December 31, 2004. 
|++    | Filed as an exhibit to the Registrant's Annual Report on Form 10-K for the year ended June 30, 1999.   
|+++   | Filed as an exhibit to the Current Report on Form 8-K filed on September 15, 2005.                     

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|      |                    |  | **SOUTHERN MISSOURI BANCORP, INC.**
|----- | ------------------ |  | -----------------------------------
|      |                    |  |                                    
|Date: | September 27, 2006 |  | By:                                

|By: | /s/ James W. Tatum

James W. TatumChairman of the Board of Directors                                        |  | September 27, 2006
|--- | ----------------------------------------------------------------------------------------------------------- |  | ------------------
|    |                                                                                                             |  |                   
|By: | /s/ Greg A. Steffens	Greg A. SteffensPresident(*Principal Executive and Financial**and Accounting Officer*) |  | September 27, 2006
|    |                                                                                                             |  |                   
|By: | /s/ Samuel H. Smith	Samuel H. SmithVice President and Director                                              |  | September 27, 2006
|    |                                                                                                             |  |                   
|By: | /s/ Ronnie D. Black	Ronnie D. BlackSecretary and Director                                                   |  | September 27, 2006
|    |                                                                                                             |  |                   
|By: | /s/ L. Douglas Bagby	L. Douglas BagbyDirector                                                               |  | September 27, 2006
|    |                                                                                                             |  |                   
|By: | /s/ Sammy A. Schalk	Sammy A. SchalkDirector                                                                 |  | September 27, 2006
|    |                                                                                                             |  |                   
|By: | /s/  Rebecca McLane Brooks	Rebecca McLane BrooksDirector                                                    |  | September 27, 2006
|    |                                                                                                             |  |                   
|By: | /s/ Charles R. Love	Charles R. LoveDirector                                                                 |  | September 27, 2006
|    |                                                                                                             |  |                   
|By: | /s/ Charles R. Moffitt	Charles R. MoffittDirector                                                           |  | September 27, 2006

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|**Regulation S-BExhibit Number** | **Document**                                         
|-------------------------------- | -----------------------------------------------------
|                                 |                                                      
|11                               | Statement Regarding Computation of Per Share Earnings
|                                 |                                                      
|13                               | 2006 Annual Report to Stockholders                   
|                                 |                                                      
|21                               | Subsidiaries of the Registrant                       
|                                 |                                                      
|23                               | Consent of Auditors                                  
|                                 |                                                      
|31                               | Rule 13a-14(a)/15d-14(a) Certifications              
|                                 |                                                      
|32                               | Section 1350 Certifications                          

---