UNITED STATES
                         SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 12b-25

                            NOTIFICATION OF LATE FILING


(Check One): [X] Form 10-K [ ] Form 11-K [ ] Form 10-Q [ ] Form
N-SAR

                              For Period Ended:  June 30, 1998
                              [ ] Transition Report on Form 10-K
                              [ ] Transition Report on Form 20-F
                              [ ] Transition Report on Form 11-K
                              [ ] Transition Report on Form 10-Q
                              [ ] Transition Report on Form N-SAR
                              For the Transition Period
Ended:_______________

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

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PART I -- REGISTRANT INFORMATION


Full Name of Registrant     Southern Missouri Bancorp, Inc. 

                      -----------------------------------------
Former Name if Applicable      not applicable
                          ---------------------------------------

Address of Principal Executive Office (Street and Number)

531 Vine Street, Poplar Bluff, Missouri  63901
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City, State and Zip Code



PART II -- RULES 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;

[X]  (b)     The subject annual report, semi-annual report,
             transition report on Form 10-K, Form 20-F, 11-K or Form
             N-SAR, or portion thereof, will be filed on or before the
             fifteenth calendar day following the prescribed due date;
             or the subject quarterly report of transition report on
             Form 10-Q, 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 Forms 10-K,
     20-F, 11-K, 10-Q, N-SAR, or the transition report or portion
     thereof, could not be filed within the prescribed time period.

     The registrant was unable to properly convert the document into
     the EDGAR format due to a lack of time.  This was the first time
     the registrant attempted to file form 10-KSB on its own and it
     underestimated the time and difficulty in converting the document
     into EDGAR, especially, exhibit 13 the Annual Report to
     shareholders.  We regret the inconvenience of this late filing
     and will strive to make certain that it will not happen again.

PART IV -- OTHER INFORMATION

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

          Greg A. Steffens                 (573)785-1421
          ---------------------------     ------------------------
          (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 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 fiscal
          year will be reflected by the earnings statements to be included in
          the subject report or portion thereof?
                    [ ] Yes                [X] 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.

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

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

Date  9-28-98                   By   Greg A. Steffens, C.F.O.
      -------------                     --------------------