SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 12b-25
                                                     Commission File No. 0-21163

                          NOTIFICATION OF LATE FILING
(Check One):[ ]Form10-KSB [ ]Form 11-K  [ ]Form 20-F [X]Form 10-QSB
[ ] Form N-SAR

         For Period Ended: September 30, 2000
                           -----------------------------------------------------

[ ]Transition Report on Form 10-K             [ ]Transition Report on Form 10-Q
[ ]Transition Report on Form 20-F             [ ]Transition Report on Form N-SAR
[ ]Transition Report on Form 11-K

          For the Transition Period Ended:
                                          --------------------------------------

     Read attached  instruction  sheet before  preparing  form.  Please print or
type.

     Nothing in this form shall be  construed to imply that the  Commission  has
verified any information contained herein.

     If the notification relates to a portion of the filing checked above,
identify the item(s) to which the notification relates:
                                                       -------------------------


                                     PART I
                             REGISTRANT INFORMATION

Full name of registrant: CBES Bancorp, Inc.
                        --------------------------------------------------------
Former name if applicable:
                          ------------------------------------------------------
Address of principal executive office (Street and Number):
 1001 N. Jesse James Road
- --------------------------------------------------------------------------------
City, state and zip code: Excelsior Springs, Missouri 64024
                         -------------------------------------------------------

                                     PART II
                             RULE 12b-25 (b) AND (c)

         If the subject report could not be filed without unreasonable effort or
expense  and  the  registrant  seeks  relief  pursuant  to Rule  12b-25(b),  the
following should be completed. (Check box if appropriate.)

          (a) The reasons  described  in  reasonable  detail in Part III of this
          form could not be eliminated without unreasonable effort or expense;

          (b) The subject annual report,  semi-annual report,  transition report
          on Form 10-KSB,  20-F, 11-K or Form N-SAR, or portion  thereof will be
 [X]      filed before the 15th calendar day following the  prescribed due date;
          or the  subject quarterly report  or transition report on Form 10-QSB,
          or portion thereof will be filed on or before  the fifth  calendar day
          following the prescribed due date; and

          (c) The  accountant's  statement  or other  exhibit  required  by Rule
          12b-25(c) has been attached if applicable.



                                    PART III
                                    NARRATIVE

     State below in reasonable  detail the reasons why Form 10-KSB,  11-K, 20-F,
10-QSB, N-SAR or the transition report portion thereof could not be filed within
the prescribed time period. (Attach extra sheets if needed.)

     THE REGISTRANT  REQUIRES  ADDITIONAL TIME TO PREPARE FINANCIAL  INFORMATION
NECESSARY TO PROVIDE FULL AND COMPLETE  DISCLOSURE  IN ITS  QUARTERLY  REPORT ON
FORM 10-QSB  (THE "FORM  10-QSB").  AS A RESULT,  THE  REGISTRANT  WAS UNABLE TO
COMPLETE THE FORM 10-QSB BY THE PRESCRIBED DATE, WITHOUT UNREASONABLE EFFORT AND
EXPENSE.

                                     PART IV
                                OTHER INFORMATION

     (1) Name and  telephone  number  of  person  to  contact  in regard to this
notification.

 Dennis D. Hartman                           (816)  630-6711
- --------------------------------------------------------------------------------
   (Name)                               (Area Code)  (Telephone Number)

     (2) Have all other periodic  reports  required under Section 13 or 15(d) of
the Securities  Exchange Act of 1934 or Section 30 of the Investment Company Act
of 1940  during the  preceding  12 months or for such  shorter  period  that the
registrant was required to file such report(s) been filed?  If the answer is no,
identify report(s).

                                                  [X]Yes      [ ]No

     (3) Is it anticipated that any significant  change in results of operations
from the corresponding  period for the last fiscal year will be reflected by the
earnings statements to be included in the subject report or portion thereof?

                                                  [X]Yes      [ ]No

If so: attach an explanation of the  anticipated  change,  both  narratively and
quantitatively,  and if appropriate, state the reasons why a reasonable estimate
of the results cannot be made.

     The  Registrant  anticipates  the  following  changes  in  its  results  of
operations  for the three months ended  September 30, 2000 compared to the three
months  ended  September  30,  1999:  the  provision  for  loan  losses  will be
approximately  $568,000  for the  current  quarter  compared  to $38,000 for the
comparable   period  last  year;   and  other   non-interest   expense  will  be
approximately $570,000 for the current quarter, reflecting a $320,000 charge for
possible bad check losses,  compared to $250,000 for the comparable  period last
year. For the current quarter, the Company's net loss is expected to approximate
$(378,000),  or $(.45) per share,  compared to net earnings of $248,000, or $.28
per share for the comparable period last year.



                            CBES Bancorp, Inc.
- --------------------------------------------------------------------------------
                  (Name of Registrant as Specified in Charter)

Has  caused  this  notification  to be signed on its  behalf by the  undersigned
thereunto duly authorized.

Date: November 15, 2000             By:/s/ Dennis D. Hartman
                                       -----------------------------------------
                                       Dennis D. Hartman, President and
                                        Chief Executive Officer