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EXHIBIT 99.1      PRESS RELEASE





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PRESS RELEASE

FOR IMMEDIATE RELEASE

CONTACT:

Eldon R. Mette
President and Chief Executive Officer
PFSB Bancorp, Inc.
(573) 769-2134



                               PFSB BANCORP, INC.
                        ANNOUNCES DATE OF ANNUAL MEETING

      Palmyra, Missouri -- November 8, 2001. PFSB Bancorp, Inc. (OTCBB - PFSI),
announced today that the corporation's annual meeting of stockholders will be
held on January 25, 2001.

      PFSB Bancorp, Inc. is the holding company for Palmyra Savings
headquartered in Palmyra, Missouri.



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