Exhibit 21
Subsidiaries of the Registrant
Parent
NS&L Bancorp, Inc.
Percentage Jurisdiction or
Subsidiaries (a) of Ownership State of Incorporation
Neosho Savings and Loan Association, F.A. 100% United States
NS&L Enterprises, Inc. (b) 100% Missouri
Crawford Mortgage, Inc. (b) 100% Missouri
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(a) The operation of the Corporation's wholly owned subsidiaries are
included in the Corporation's Financial Statements contained in the
Annual Report attached hereto as Exhibit 13.
(b) Wholly-owned subsidiary of Neosho Savings and Loan Association, F.A.
