EXHIBIT 23.1

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

The Board of Directors
Southern Missouri Bancorp, Inc.
Poplar Bluff, Missouri



We consent to the incorporation by reference in this registration statement on Form S-8 of our report, dated July 16, 2004, relating to the consolidated balance sheet of Southern Missouri Bancorp, Inc. and subsidiary as of June 30, 2004, and the related consolidated statements of income, stockholders' equity and cash flows for the year ended June 30, 2004, which report appears in the June 30, 2004 Annual Report on Form 10-KSB of Southern Missouri Bancorp, Inc.

/s/ BKD, LLP

St. Louis, Missouri
July 28, 2005