EXHIBIT 21

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.; subsidiary is inactive.