1630 WEST HARPER, POPLAR BLUFF, MISSOURI 63901-4196
(573) 785-6438
FAX (573) 785-0114
Consent of Independent Accountants
We have issued our report dated July 19, 2000, accompanying the Consolidated Financial Statements incorporated
by reference in the Annual Report of Southern Missouri Bancorp, Inc. on Form 10-KSB for the year ending June
30, 2000. We hereby consent to the incorporation of reference of said reports in the Registration Statement of
Southern Missouri Bancorp, Inc. on the Form S-8 (File No. 333-2320, effective March 13, 1996.)
/s/ Kraft, Miles & Tatum, LLC
Kraft, Miles & Tatum, LLC
Poplar Bluff, Missouri
September 27, 2000
