8-K

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)                     September 26, 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 Bluff, 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)

NEXT PAGE

ITEM 7.   EXHIBITS

              (c) Exhibits

                   Exhibit 99.1 - Press Release, dated September 26, 2003

ITEM 12.  DISCLOSURE OF RESULTS OF FINANCIAL OPERATIONS
                   AND FINANCIAL CONDITION

              On September 26, 2003, the Registrant issued a press release announcing a 2-for-1 stock split in the form of a 100% stock dividend. The press release is attached hereto as Exhibit 99.1, which is incorporated herein by reference.

NEXT PAGE

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: September 29, 2003	By:   /s/ Greg A. Steffens       Greg A. Streffens        President

NEXT PAGE


EXHIBIT INDEX

Exhibit Number	Description
99.1	Press Release dated September 26, 2003

End.

EX-99

EXHIBIT 99.1

FOR IMMEDIATE RELEASE	CONTACT GREG STEFFENS,
SEPTEMBER 26, 2003	PRESIDENT     (573) 785-1421

SOUTHERN MISSOURI BANCORP, INC. DECLARES 2-FOR-1 SPLIT IN THE FORM OF A 100 PERCENT STOCK DIVIDEND

Poplar Bluff, Missouri, September 26, 2003, (Nasdaq: SMBC) - Greg Steffens, President of Southern Missouri Bancorp, Inc. announced today that Southern Missouri Bancorp has declared a 2-for-1 split in the form of a 100% stock dividend payable on or about October 28, 2003, to shareholders of record on October 14, 2003. Under the terms of this stock split in the form of a stock dividend, Southern Missouri Bancorp's shareholders will receive a dividend of one share for every one share held on the record date. The dividend will be paid in authorized but unissued shares of common stock of the Company.

              The par value of Southern Missouri Bancorp's stock will not be affected by the split and will remain at $.01 per share. The Company anticipates that the outstanding shares of stock after the split will be increased from approximately 1,150,000 to approximately 2,300,000.

              Mr. Steffens stated that "the Board of Directors has declared this stock split to reduce its price per share and to increase its market liquidity for the purpose of enhancing the securities' appeal to both private and institutional investors."

              On June 30, 2003, the Company had total assets of $279.5 million. The Company, through its banking subsidiary, provides a wide array of financial services to Southeastern Missouri through its main office located in Poplar Bluff and seven other full-service facilities located in Poplar Bluff, Dexter, Qulin, Kennett, Doniphan and Van Buren, Missouri.