SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549


FORM 10-Q


x	QUARTERLY REPORT PURSUANT TO 
SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 1997

OR

	TRANSITION REPORT PURSUANT TO 
SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For transition period from ________ to ________

Commission File Number 0-20878


MNB BANCSHARES, INC.
(Exact name of Registrant as specified in its charter)



                 			                        
Delaware                                48-1120026                      	
(State or other jurisdiction				  (I.R.S.Employer Identification Number)
of incorporation or organization)


800 Poyntz Avenue, Manhattan, Kansas        66502
(Address of principal executive offices)   (Zip Code)

(913) 565-2000
(Registrant's telephone number, including area code)



	Indicate by check mark whether the Registrant (x) has filed all 
reports required to be filed by Section 13 or 15(d) of the Securities 
Exchange Act of 1934 during the preceding 12 months (or for such 
shorter period that the Registrant was required to file such reports), and 
(2) has been subject to such filing requirements for the past 90 days.  Yes 
X  No __

	Indicate the number of shares outstanding of each of the 
Registrant's classes of common stock as of the latest practicable date:  As 
of May 6, 1997, the Registrant had outstanding 608,839 shares of its 
common stock, $.01  par value per share. 




MNB BANCSHARES, INC.
Form 10-Q Quarterly Report

Table of Contents



PART I

									
		Page Number

Item 1.	Financial Statements and Related Notes	       1 - 4
Item 2.	Management's Discussion and Analysis of Financial 
	       Condition and Results of Operations	          5 - 8


PART II

Item 1.	Legal Proceedings	9
Item 2.	Changes in Securities	9
Item 3.	Defaults Upon Senior Securities	9
Item 4.	Submission of Matters to a Vote of
     	  Security Holders	9
Item 5.	Other Information	9
Item 6.	Exhibits and Reports on Form 8-K	9


Form 10-Q Signature Page	11























<TABLE>
<CAPTION>
MNB BANCSHARES, INC. AND SUBSIDIARY
CONDENSED CONSOLIDATED BALANCE SHEETS
                                        March 31,      December 31,
                                        1997           1996
                                        (unaudited)  
<S>                                    <C>              <C>
ASSETS
Cash and cash equivalents:
  Cash                                 $  2,426,068     $  2,670,159
  Interest-bearing deposits in other
   financial institutions                         0        1,900,000
    Total cash and cash equivalents       2,426,068        4,570,159

Investment securities: 
  Held-to-maturity at amortized cost      8,485,573       10,113,010
  (estimated fair value of $8,260,000
   and $10,154,000 respectively)
  Available-for-sale at estimated        24,625,298       23,125,844
   fair value
Loans, net                               64,811,440       62,549,048
Premises and equipment, net               1,282,176        1,325,798
Other assets                              1,827,405        1,737,565

     Total assets                      $103,457,960     $103,420,424

LIABILITIES AND STOCKHOLDERS' EQUITY
Liabilities:
  Deposits                             $ 86,989,777     $ 86,709,950
  Other borrowings                        3,912,815        3,615,020
  Accrued expenses, taxes and other
   liabilities                            1,089,709        1,761,289
    Total liabilities                    91,992,301       92,086,259

Stockholders'equity:
  Common stock, $.01 par, 1,500,000
   shares authorized, 608,839 shares
   issued and outstanding at 1997
   and 1996, respectively                     6,088            6,052
  Additional paid-in capital              6,352,285        6,321,016
  Retained earnings                       5,507,728        5,340,873
  Unrealized loss on investment
   securities available-for-sale,
   net of tax                              (87,627)         (18,756)
  Unearned employee benefits              (312,815)        (315,020)

     Total stockholders' equity          11,465,659       11,334,165
     Total liabilities and stockholders'
      equity                           $103,457,960     $103,420,424
</TABLE>
<FN1>
See accompanying notes to condensed consolidated financial statements.
</FN1>


<TABLE>
<CAPTION>
MNB BANCSHARES, INC. AND SUBSIDIARY
CONDENSED CONSOLIDATED STATEMENTS OF EARNINGS
(Unaudited)

 
                                         For the Three Months
                                           Ended March 31,
                                        1997             1996
<S>                                   <C>                <C>
Interest income:
  Loans                               $  1,404,713       $  1,418,244
  Investment securities                    472,374            444,689
  Other                                     37,655             56,667
   Total interest income                 1,914,742          1,919,600

Interest expense:
  Deposits                                 950,161            983,474
  Borrowed funds                            51,877             45,046
   Total interest expense                1,002,038          1,028,520

   Net interest income                     912,704            891,080

Provision for loan losses                   15,000                  0

   Net interest income after
    provision for loan losses              897,704            891,080

Noninterest income:
  Fees and service charges                 125,048            116,660
  Gains on sale of loans                     5,298             18,219
  Other                                     17,901              3,908
   Total noninterest income                148,247            138,787

Noninterest expense:
  Compensation and benefits                320,833            301,399
  Occupancy and equipment                   94,224             95,925
  Federal deposit insurance premiums        11,890             39,282
  Data processing                           26,801             23,800
  Amortization                              28,276             29,597
  Advertising                               10,156             21,453  
  Professional fees                         39,164             50,009
  Stationery, printing and office
   supplies                                 12,209             41,349
  Other                                    141,321            132,997
   Total noninterest expense               684,874            735,811

   Earnings before income taxes            361,077            294,056

Income tax expense                         118,420            120,147

   Net earnings                       $    242,657         $  173,909

Net earnings per share                $       0.38         $     0.28

Dividends per share                   $     0.1250         $   0.0625

Average common and common equivalent
 shares outstanding                        633,711            630,483
</TABLE>
<FN1>
See accompanying notes to condensed consolidated financial statements.
</FN1>

<TABLE>
<CAPTION>
MNB BANCSHARES, INC. AND SUBSIDIARY
CONDENSED CONSOLIDATED STATEMENTS OF CASH 
FLOWS
(Unaudited)

                                            For the three Months  
                                               Ended March 31,
                                           1997                1996
<S>                                        <C>                 <C>
Net cash provided by (used in)
 operating activities                      $  (212,567)        $    72,148

INVESTING ACTIVITIES
  Net increase in loans                     (2,445,784)         (2,090,734)
  Maturities and prepayments of 
   investments held to maturity              1,622,212           3,108,343
  Purchase of investment held to
   maturity                                          0            (242,465)
  Maturities and prepayments of
   investments available for sale            1,040,988             735,266
  Purchase of investments available
   for sale                                 (2,645,937)         (3,860,341)
  Proceeds from sale of investment
   securities available for sale                     0             499,063
  Net cash used to purchase insurance
   agency                                      (30,000)                  0
  Purchases of equipment and building
   improvements                                 (8,333)            (20,854)
    Net cash used in investing activities   (2,466,854)         (1,871,722)

FINANCING ACTIVITIES
  FHLB advances (net)                          300,000           1,875,000
  Net increase (decrease) in deposits          279,827          (1,184,217)
  Issuance of common stock under stock          
   option plan                                  31,306                   0
  Payment of dividends                         (75,803)            (36,033)
   Net cash provided by financing activities   535,330             654,750
  Net (decrease) in cash and cash 
   equivalents                              (2,144,091)         (1,144,824)
  Cash and cash equivalents at beginning of
   period                                    4,570,159           2,924,017
  Cash and cash equivalents at end of
   period                                    2,426,068           1,779,193

Supplemental disclosure of cash flow information:

  Cash paid during period for interest       1,023,000          1,213,000
  Cash paid during period for taxes             42,000             64,000
<FN1>
See accompanying notes to condensed consolidated financial statements.
<FN1>


MNB BANCSHARES, INC. AND SUBSIDIARY
Notes to Condensed Consolidated Financial Statements


1.	Interim Financial Statements

	The condensed consolidated financial statements of MNB 
Bancshares, Inc. (the "Company") and subsidiary have been prepared in 
accordance with the instructions to Form 10-Q.  To the extent that 
information and footnotes required by generally accepted accounting 
principles for complete financial statements are contained in or consistent 
with the audited financial statements incorporated by reference in the 
Company's Form 10-K for the year ended December 31, 1996, such 
information and footnotes have not been duplicated herein.  In the opinion 
of management, all adjustments, consisting of normal recurring accruals, 
considered necessary for a fair presentation of financial statements have 
been reflected herein.  The December 31, 1996 condensed consolidated 
balance sheet has been derived from the audited balance sheet as of that 
date.  The results of interim period ended March 31, 1997 are not 
necessarily indicative of the results expected for the year ended December 
31, 1997.

2.	Earnings Per Share

	Net earnings per share have been computed based on the average 
number of shares and common equivalent shares outstanding during the 
period.  The period ended March 31, 1996 as presented herein reflects 
retroactive adjustment of the 5% stock dividends declared by the 
Company on August 12, 1996.

3.	New Accounting Pronouncement

	In February, 1997, the Financial Accounting Standards Board 
issued Statement No. 128, "Earnings Per Share" which revises the 
calculation and presentation provisions of Accounting Principles Board 
Opinion 15 and related interpretations.  Statement No. 128 is effective for 
the Company's fiscal year ending December 31, 1997.  Retroactive 
application will be required.  The Company believes the adoption of 
Statement No. 128 will not have a significant effect on its reported 
earnings per share.





MNB BANCSHARES, INC. AND SUBSIDIARY
MANAGEMENT'S DISCUSSION AND ANALYSIS
OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS



	General.  MNB Bancshares, Inc. (the "Company") is a one-bank 
holding company incorporated under the laws of the State of Delaware 
and is engaged in the banking business through its wholly-owned 
subsidiary, Security National Bank (the "Bank").  The Company's results 
of operations depend primarily on net interest income, which is the 
difference between interest income from interest-earning assets and 
interest expense on interest-bearing liabilities.  The Company's operations 
are also affected by non-interest income, such as service charges, loan fees 
and gains and losses from the sale of newly originated loans.  The 
Company's principal operating expenses, aside from interest expense, 
consist of compensation and employee benefits, occupancy costs, federal 
deposit insurance costs, data processing expenses and provision for loan 
losses.

	On April 1, 1995, the Company acquired all of the issued and 
outstanding stock of Auburn Security Bancshares, Inc., a one-bank 
holding company which owned 99% of the outstanding stock of Security 
State Bank.  Subsequent to the acquisition, the Company acquired all of 
the remaining stock of Security State Bank.  Consolidated assets acquired 
in this transaction were approximately $20 million.  This acquisition, 
which was accounted for using the purchase method of accounting, is 
reflected in the consolidated balance sheet and the consolidated statement 
of earnings for all periods shown.  On December 31, 1995, the Company 
merged and consolidated Manhattan National Bank and Security State 
Bank, and the resulting institution was named Security National Bank.  
The home office for the Bank is Manhattan, Kansas, with a branch 
operating in Auburn, Kansas.

	In January of 1997, the Bank acquired the Goodyear Insurance 
Agency of Auburn, Kansas.  This acquisition will allow the Bank to offer 
a full line of insurance products to its entire customer base.  Management 
expects this to evolve into a profitable and complementary product line as 
a marketing program for insurance services is implemented.

	Additionally, the Company negotiated an agreement in January of 
1997 with a regional banking organization to assume its land lease on a 
fully-equipped branch facility at 21st and Wanamaker in Topeka, Kansas.  
This allows the Bank to enter the Topeka market with minimal capital 
outlay.  The branch, which opened on May 5, 1997,  is ideally situated to 
take advantage of the expanding economy in southwest Topeka.  Due to 
the startup costs, it is anticipated that there will be a negative impact on 
earnings in 1997.  However, the facility should provide a solid base for 
earnings and asset growth in the future.

	Net earnings for the first three months of 1997 increased $68,748, 
or 39.5%, to $242,657 as compared to the first three months of 1996.  Net 
interest income increased $21,624, or 2.4%, from $891,080, to $912,704.  
Noninterest income increased $9,460, or 6.8%, from $138,787 to 
$148,287, due to an increase of 7.2% in fees and service charges to 
$125,048 and other income from $3,908 to $17,901, or 358.1%.  Non 
interest expense decreased $50,937 or 6.9% due primarily to reduced 
Federal Deposit Insurance Corporation ("FDIC") premiums, and supply 
costs.

	Interest Income.  Interest income remained steady at $1.9 million.  
Interest on loans decreased slightly from $1,418,244 to $1,404,713, or 
1.0%, while interest on investment securities increased from $444,689 to 
$472,374, or 6.2%.  Rates and average loans outstanding remained stable 
in the first quarter of 1997 when compared to the first quarter of 1996.  
Interest earned on securities increased as securities matured and the 
proceeds were reinvested in higher-yielding securities.  Interest income on 
other investments decreased $19,012, or 33.6%, to $37,655.  This 
decrease was a result decreased funds available for investment in short-
term overnight interest bearing deposits.

MNB BANCSHARES, INC. AND SUBSIDIARY
MANAGEMENT'S DISCUSSION AND ANALYSIS
OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 
(Continued)
	
	Interest Expense.  As compared to the same period a year earlier, 
interest expense during the first three months of 1997 decreased by 
$26,482, or 2.6%.  Interest expense on deposits decreased $33,313, or 
3.4% while interest expense on borrowings, consisting of advances and 
short-term overnight borrowings from the Federal Home Loan Bank of 
Topeka (the "FHLB"), increased $6,831, or 15.2%, during this time 
period.

	Provision for Loan Losses.  A provision for loan losses of 
$15,000 for the first quarter of 1997 was made, compared to none in 
1996.  After management's quarterly review of the loan portfolio and an 
economic analysis was performed at the end of the third quarter in 1996, a 
provision of $5,000 per month was resumed and continued during the first 
quarter of 1997.  This was due to management's efforts relating to the 
expansion of the Company's commercial lending activities.  At the same 
time, expanded internal guidelines for credit risk evaluation and 
documentation were created and implemented.  These factors will continue 
to be assessed and further changes will be made if circumstances warrant 
such changes.  At March 31, 1997, the allowance for loan losses was 
$835,397, or 1.3% of gross loans outstanding, compared to $826,499 at 
March 31, 1996.  The allowance for loan losses was $819,660 at 
December 31, 1996, or 1.3% of gross loans outstanding.

	Noninterest Income.  Noninterest income increased $9,460, or 
6.8%, for the first three months of 1997 to $148,247 compared to the 
same period in 1996.  This increase was due to an increase of 7.2% in fees 
and service charges from $116,660 to $125,048.  Gains on sale of loans 
decreased $12,921 to $5,298, or 70.9%, as a result of a decline in 
volumes and profit margin on residential real estate loans sold to the 
secondary market due to increased competitive pressures.  Other 
noninterest income increased 358.1% to $17,901 from $3,908.  In 
December of 1996, the Bank hired a technical services manager to 
administer and maintain the computer network, equipment, and software. 
Realizing that this position at its inception might not be a full-time job, 
the Bank was able to successfully negotiate with a community service 
provider in Manhattan to provide support for their technical services.  
This has resulted in additional income for the Company of $4,625 during 
the first quarter.  Also, commission income derived from the insurance 
agency has contributed $5,900 for the first quarter of 1997.

	Noninterest Expense.  Noninterest expense decreased $50,937, or 
6.9%, to $684,874 for the first three months of 1997 over the same period 
in 1996.  This decrease was due in part to the reduction in the FDIC 
premiums from $39,282 to $11,890, or 69.7%.  There were also 
reductions in stationery, printing, and office supplies of $29,140, or 
70.5% and professional fees of 21.7% to $39,164 both as a result of the 
costs incurred in connection with the change of name and consolidation of 
the bank subsidiaries in 1995.  Occupancy and equipment expense 
decreased $1,701 or 1.8% and compensation increased 6.4% to $320,833. 
Other expenses increased from $132,997 to $141,321, or by 6.3%.

	Asset Quality and Distribution.  The Company's total assets 
remained steady at $103.5 million from December 31, 1996 to March 31, 
1997.  The Company's primary ongoing sources of funds are deposits, 
proceeds from principal and interest payments on loans and mortgage 
backed securities and proceeds from the sale of mortgage loans and 
mortgage backed securities.  While maturities and scheduled amortization 
of loans are a predictable source of funds, deposit flows and mortgage 
prepayments are greatly influenced by general interest rates, economic 
conditions, competition, and the restructuring of the financial services 
industry.

	The primary investing activities of the Company are the 
origination of mortgage, consumer, and commercial loans and the 
purchase of investment and mortgage backed securities.  During the first 
three months of 1997, the Company originated mortgage loans in the 
amount of $3.9 million compared to $8.4 million during the first three 
months of 1996.  Generally, the Company originates long term fixed rate 
residential mortgage loans for immediate sale and does not warehouse 
loans to speculate on interest rates.  Efforts of management to diversify 
the loan portfolio have resulted in the Company having originated 
commercial non-mortgage and consumer loans of $8.0 million during the 
first three months of 1997, compared to $3.2 million in 1996.

MNB BANCSHARES, INC. AND SUBSIDIARY
MANAGEMENT'S DISCUSSION AND ANALYSIS
OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 
(Continued)

	
	Management believes that the quality of the loan portfolio 
continues to be strong as evidenced by the small number and amount of 
loans past due 30 days or more.  As of March 31, 1997, six real estate 
loans were more than 30 days past due with a total balance of $355,310, 
which was 0.55% of total loans outstanding.  Four 
loans, totaling $112,840, were on non-accrual status as of March 31, 
1997.  With the exception of guaranteed student loans, eleven consumer 
loans totaling $46,348, or 0.07%, were over 30 days past due as of March 
31, 1997 and one loan with a balance of $3,408 was on non-accrual.  
Additionally, seven  commercial loans totaling $125,602, or .19%, were 
past due.  Two commercial loans totaling $82,394 were on non-accrual 
status, of which $73,267 is an SBA loan.  At March 31, 1997, the 
Company had outstanding loan commitments of $9.1 million.  

	During the three months ended March 31, 1997, the Company 
purchased securities to be held to maturity and available for sale in the 
amount of $2.6 million.  These activities were funded primarily by 
maturing securities of $2.7 million, deposits, and proceeds from the sale 
of fixed rate mortgage loans totaling $1.0 million.

	Liability Distribution.  Interest bearing liabilities at March 31, 
1997 increased $.6 million from December 31, 1996 with deposits 
increasing $.3 million and advances from the FHLB increasing $.3 million 
over the same period.

	Checking and NOW accounts at the end of the first quarter of 
1997 totaled $19.3 million, or 22.2% of deposits.  Certificates of deposit 
remained flat at  $47.1 million at March 31, 1997. Money market funds 
have increased 11.8% from December 31, 1996 to $15.4 million from 
$13.8 million, and are 10.6% of total deposits.

	Liquidity.  The Company's most liquid assets are cash and cash 
equivalents and investment securities available for sale.  The level of these 
assets are dependent on the Company's operating, financing, lending and 
investing activities during any given period.  At March 31, 1997, and 
December 31, 1996 respectively, these liquid assets totaled $27.1 million 
and $27.7 million.  During periods in which the Company is not able to 
originate a sufficient amount of loans and/or periods of high principal 
prepayments, the Company increases its liquid assets by investing in 
short-term U. S. Government and agency securities.

	Liquidity management is both a daily and long-term function of 
management strategy.  Excess funds are generally invested in short-term 
investments.  In the event the Company requires funds beyond its ability 
to generate them internally, additional funds are generally available 
through the use of FHLB advances, a line of credit with the FHLB or 
through sales of securities.  At March 31, 1997, the Company had 
outstanding FHLB advances of $2.8 million and had $.8 million 
outstanding on its $12.0 million line of credit.  Additionally, the Company 
has guaranteed a loan made to the Company's Employee Stock Ownership 
Plan (the "ESOP") with an outstanding balance of $312,815 at March 31, 
1997, to fund the ESOP's purchase of shares in the Company's common 
stock offering in 1993.  The total borrowings by the Company were $3.9 
million at March 31, 1997, compared to $3.6 million at December 31, 
1996.  

	Capital.  The Federal Reserve Board has established capital 
requirements for bank holding companies which generally parallel the 
capital requirements for national banks under the Office of the 
Comptroller of the Currency (the "OCC") regulations.  The regulations 
provide that such standards will generally be applied on a bank-only 
(rather than a consolidated) basis in the case of a bank holding company 
with less than $150 million in total consolidated assets, such as the 
Company.  The Company's total capital of $11.5 million is, however, well 
in excess of the Federal Reserve Board's consolidated minimum capital 
requirements.


MNB BANCSHARES, INC. AND SUBSIDIARY
MANAGEMENT'S DISCUSSION AND ANALYSIS
OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 
(Continued)	


	At March 31, 1997, the Bank continued to maintain a sound Tier 
1 capital ratio of 8.92% and a risk based capital ratio of 16.13%.  As 
shown by the following table, the Bank's capital exceeded the minimum 
capital requirements  (dollars in thousands):


</TABLE>
<TABLE>
<CAPTION>
                                March 31, 1997


                           Amount   Percent   Required
<S>                        <C>      <C>       <C>
Tier 1 Capital             $9,202    8.92%     4.00%
Risk Based Capital          9,915   16.13%     8.00%

</TABLE>	

	



Banks and bank holding companies are generally expected to operate at or 
above the minimum capital requirements.  The above ratios are well in 
excess of regulatory minimums and should allow the Company to operate 
without capital adequacy concerns.  The Federal Deposit Insurance 
Corporation Improvement Act of 1991 establishes a bank rating system 
based on the capital levels of banks.  The Bank is rated "well capitalized", 
which is the highest rating available under this capital-based rating 
system.

	Recent Regulatory Developments.  Various bills have been 
introduced in the Congress that would allow bank holding companies to 
engage in a wider range of nonbanking activities, including greater 
authority to engage in securities and insurance activities.  While the scope 
of permissible nonbanking activities and the conditions under which the 
new powers could be exercised varies among the bills, the expanded 
powers generally would be available to a bank holding company only if 
the bills also impose various restrictions on transactions between the 
depository institution subsidiaries of bank holding companies and their 
nonbank affiliates.  These restrictions are intended to protect the 
depository institutions from the risks of the new nonbanking activities 
permitted to such affiliates.

	At this time, the Company is unable to predict whether any of the 
pending bills will be enacted and, therefore, is unable to predict the impact 
such legislation may have on the operations of the Company and the 
Bank.

	Safe Harbor Statement Under the Private Securities Litigation 
Reform Act of 1995.  This quarterly report contains certain forward-
looking statements within the meaning of Section 27A of the Securities 
Act of 1933, as amended and Section 21E of the Securities Exchange Act 
of 1934, as amended.  The Company intends such forward-looking 
statements to be covered by the safe harbor provisions for forward-
looking statements contained in the Private Securities Reform Act of 
1995, and is including this statement for purposes of these safe harbor 
provisions.  Forward-looking statements, which are based on certain 
assumptions and describe future plans, strategies and expectations of the 
Company, are generally identifiable by use of the words "believe," 
"expect," "intend," "anticipate," "estimate," "project" or similar 
expressions.  The Company's ability to predict results or the actual effect 
of future plans or strategies is inherently uncertain.  Factors which could 
have a material adverse effect on operations and future prospects of the 
Company and the subsidiary include, but are not limited to, changes in: 
interest rates, general economic conditions, legislative/regulatory changes, 
monetary and fiscal policies of the U.S. Government, including policies of 
the U.S. Treasury and the Federal Reserve Board, the quality or 
composition of the loan or investment portfolios, demand for loan 
products, deposit flows, competition, demand for financial services in the 
Company's market area and accounting principles, policies and 
guidelines.  These risks and uncertainties should be considered in 
evaluating forward-looking statements and undue reliance should not be 
placed on such statements.  Further information concerning the Company 
and its business, including additional factors that could materially affect 
the Company's financial results, is included in the Company's filings with 
the Securities and Exchange Commission


MNB BANCSHARES, INC. AND SUBSIDIARY
PART II



ITEM 1.	LEGAL PROCEEDINGS.

		There are no material pending legal proceedings to which 
the Company or its subsidiary is a party other than 
ordinary routine litigation incidental to their respective 
businesses.


ITEM 2.	CHANGES IN SECURITIES.

		None


ITEM 3.	DEFAULTS UPON SENIOR SECURITIES.

		None


ITEM 4.	SUBMISSION OF MATTERS TO VOTE OF 
SECURITY HOLDERS.

		None


ITEM 5.	OTHER INFORMATION.

		None


ITEM 6.	EXHIBITS AND REPORTS ON FORM 8-K.

		A.	Exhibits

			Exhibit 27.  Financial Data Schedule.

		B.	Reports on Form 8-K

			None.

		










SIGNATURES



	Pursuant to the requirements of the Securities Exchange Act of 
1934, the Registrant has duly caused this report to be signed on its behalf 
by the undersigned thereunto duly authorized.

						MNB BANCSHARES, 
INC.



Date:  May 13, 1997			
	__________________________________
						Patrick L. Alexander
						President and Chief Executive Officer



Date:  May 13, 1997			
	__________________________________
						Susan E. Roepke
						Vice President, Secretary, Treasurer 
						  and Chief Financial Officer






















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