SOUTHERN MISSOURI BANCORP INC
10KSB, EX-21, 2000-09-28
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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EXHIBIT 21


Subsidiaries of the Registrant




Parent
Southern Missouri Bancorp, Inc.


Subsidiaries (a)

Percentage of Ownership
Jurisdiction or State of
Incorporation
Southern Missouri Bank and Trust Co. 100%Missouri
SMS Financial Services, Inc. (b) 100%Missouri
___________________________
(a)   The operation of the Company's wholly owned subsidiaries are included
        in the Company's Financial Statements contained in Item 7 hereof.

(b)   Wholly-owned subsidiary of Southern Missouri Bank and Trust Co. 

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