UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

FORM 8-K

CURENT REPORT



Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)                     July 18, 2003
SOUTHERN MISSOURI BANCORP, INC. (Exact name of registrant as specified in its chapter)
Missouri (State or other jurisdiction of incorporation	000-23406 (Commission File Number)	43-1665523 (IRS Employer Identification No.)

531 Vine Street, Poplar Blurr, Missouri (Address of principal executive offices) 63901 (Zip Code)

Registrant's telephone number, including area code                      (573) 785-1421              

Not Applicable(Former name or former address, if changed since last report)

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ITEM 7.   EXHIBITS

              (c) Exhibits

                   Exhibit 99.1 - Press Release, dated July 18, 2003

ITEM 9.  REGULATION FD DISCLOSURE (information furnished in this Item 9 is furnished under Item 12)

              On July 18, 2003, the Registrant issued its earnings release for the three and twelve-month periods ended June 30, 2003. The earnings release is attached hereto as Exhibit 99.1, which is incorporated herein by reference.

              The information furnished under this "Item 9. Regulation FD Disclosure" is intended to be furnished under "Item 12. Disclosure of Results of Operations and Financial Condition."

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SIGNATURES

       Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

	SOUTHERN MISSOURI BANCORP, INC.
Date: July 19, 2003	By:   /s/ Greg A. Steffens       Greg A. Streffens        President

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EXHIBIT INDEX

Exhibit Number	Description
99.1	Press Release dated July 18, 2003

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