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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. ___)*
NS&L Bancorp, Inc.
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(Name of Issuer)
Common Stock
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(Title of Class of Securities)
62937R108
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(CUSIP Number)
October 13, 2000
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(Date of Event Which Requires Filing of the Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
[ ] Rule 13d-1(b)
[ X ] Rule 13d-1(c)
[ ] Rule 13d-1(d)
*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
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CUSIP No. 62937R108 Page 2 of 5 Pages
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1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Guaranty Federal Bancshares, Inc.
I.R.S. No. 43-1792717
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CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |_|
N/A
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
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5 SOLE VOTING POWER
Number of
Shares 35,500
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Beneficially 6 SHARED VOTING POWER
Owned by
Each -0-
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Reporting 7 SOLE DISPOSITIVE POWER
Person
With 35,500
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8 SHARED DISPOSITIVE POWER
-0-
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
35,500
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10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
N/A
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
5.3%
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12 TYPE OF REPORTING PERSON*
CO
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*SEE INSTRUCTIONS BEFORE FILLING OUT!
Page 3 of 5 Pages
The original statement shall be signed by each person on whose behalf
the statement is filed or his authorized representative. If the statement is
signed on behalf of a person by his authorized representative other than an
executive officer or general partner of the filing person, evidence of the
representative's authority to sign on behalf of such person shall be filed with
the statement, provided, however, that a power of attorney for this purpose
which is already on file with the Commission may be incorporated by reference.
The name and any title of each person who signs the statement shall be typed or
printed beneath his signature.
NOTE: Schedules filed in paper format shall include a signed original and five
copies of the schedule, including all exhibits. See ss.240.13d-7 for other
parties for whom copies are to be sent.
Attention: Intentional misstatements or omissions of fact constitute
Federal criminal violations (See 18 U.S.C. 1001)
Item 1(a) Name of Issuer:
NS&L Bancorp, Inc.
Item 1(b) Address of Issuer's Principal Executive Offices:
111 E. Main Street
Neosha, MO 64850
Item 2(a) Name of Person Filing:
Guaranty Federal Bancshares, Inc.
Item 2(b) Address of the Principal Offices:
The principal business offices of the filer are located at
1341 W. Battlefield, Springfield, MO 65807
Item 2(c) Citizenship:
The filer was organized and exists under the laws of the State
of Delaware.
Item 2(d) Title of Class of Securities:
Common Stock
Item 2(e) CUSIP Number:
62937R108
Item 3 If the Statement is being filed pursuant to Rule
13d-1(b), or 13d-2(b) or (c), check whether the person filing
is a:
Not applicable.
Item 4 Ownership:
(a) Amount Beneficially Owned: Filer has direct
beneficial ownership of 35,500 shares of Common
Stock.
(b) Percent of Class: 5.3%
(c) (i) sole power to vote or to direct the vote:
Filer has sole power to vote or direct the
vote of 35,500 shares of Common Stock
(ii) shared power to vote or to direct the vote: -0-
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Page 4 of 5 Pages
(iii) sole power to dispose or to direct the disposition
of:
Filer has sole power to dispose or to direct
the disposition of the 35,000 shares of
Common Stock noted in Item 4(c)(i) above.
(iv) shared power to dispose or to direct the
disposition of: -0-
Item 5 Ownership of Five Percent or Less of a Class:
Not applicable.
Item 6 Ownership of More than Five Percent on Behalf of Another
Person:
Not applicable.
Item 7 Identification and Classification of the Subsidiary
which Acquired the Security Being Reported on by the
Parent Holding Company:
Not applicable.
Item 8 Identification and Classification of Members of the Group:
Not applicable.
Item 9 Notice of Dissolution of a Group:
Not applicable.
Item 10 Certification:
By signing below the undersigned certifies that, to the
best of its knowledge and belief, the securities referred
to above were not acquired and not held for the purpose of or
with the effect of changing or influencing the control of the
issuer of the securities and were not acquired in and are not
held connection with or as a participant in any transaction
having that purpose or effect.
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SIGNATURE
After reasonable inquiry and to the best of its knowledge and belief,
each of the undersigned certifies that the information set forth in this
statement is true, complete and correct.
Guaranty Federal Bancshares,Inc.
By: /s/ James E. Haseltine
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Name: James E. Haseltine
Dated: October 20, 2000 Title: President and Chief
Executive Officer
