EXHIBIT 21

Subsidiaries of the Registrant

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

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(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.