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<CENTER><FONT SIZE="-1">As filed with the Securities and Exchange Commission on August 3, 2005.</FONT></CENTER>

<BR>
<P ALIGN="RIGHT"><FONT SIZE="-1">Registration No. 333-________</FONT></P>

<BR>
<CENTER><FONT SIZE="-1">SECURITIES AND EXCHANGE COMMISSION</FONT><BR>
<FONT SIZE="-1">Washington, DC 20549</FONT><BR>
<BR>
<FONT SIZE="-1">REGISTRATION STATEMENT ON</FONT><BR>
<FONT SIZE="-1">FORM S-8</FONT><BR>
<FONT SIZE="-1">UNDER THE SECURITIES ACT OF 1933</FONT></CENTER>

<BR>
<BR>
<CENTER><FONT SIZE="-1"><STRONG>SOUTHERN MISSOURI BANCORP, INC.</STRONG></FONT><HR WIDTH=50% ALIGN=CENTER>
(Exact name of registrant as specified in its charter)</FONT></CENTER>

<BR>

<TABLE ALIGN="CENTER" WIDTH="100%">
<TR VALIGN="TOP"><TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Missouri</STRONG><HR>
(State or other jurisdiction of<BR>
incorporation or organization)</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"> &nbsp;&nbsp;</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><b>43-1665523</b><HR>
(I.R.S. Employer Identification No.)</TD></TR></TABLE>

<BR>
<CENTER><FONT SIZE="-1"><STRONG>531 Vine Street Poplar Bluff, Missouri  63901</STRONG><HR WIDTH=50% ALIGN=CENTER>(Address of principal executive offices) (Zip Code)</FONT></CENTER>

<BR>
<CENTER><FONT SIZE="-1"><STRONG>SOUTHERN MISSOURI BANCORP, INC.<BR>
2003 STOCK OPTION AND INCENTIVE PLAN</STRONG><HR WIDTH=50% ALIGN=CENTER>(Full title of the plan)</FONT></CENTER>

<BR>
<CENTER><FONT SIZE="-1">Martin L. Meyrowitz, P.C.<BR>
Beth A. Freedman, Esq.<BR>
Silver, Freedman &amp; Taff, L.L.P.<BR>
(a limited liability partnership<BR>
including professional corporations)<BR>
1700 Wisconsin Avenue, NW<BR>
Washington, DC 20007<HR WIDTH=50% ALIGN=CENTER></FONT><FONT SIZE="-1">(Name and address of agent for service)</FONT></CENTER>

<CENTER><FONT SIZE="-1">(202) 295-4500<HR WIDTH=50% ALIGN=CENTER>(Telephone number, including area code, of agent for service)</FONT></CENTER>

<BR>
<BR>
<CENTER><FONT SIZE="-1">CALCULATION OF REGISTRATION FEE</FONT></CENTER>

<TABLE ALIGN="CENTER" WIDTH="100%">
<TR VALIGN="BOTTOM"><TD ALIGN=CENTER><FONT SIZE="-1">Title of securities<BR>to be registered<HR></TD>
<TD ALIGN=CENTER><FONT SIZE="-1">Amount to be<BR>registered<HR></TD>
<TD ALIGN=CENTER><FONT SIZE="-1">Proposed maximum<BR>offering price per share<HR></TD>
<TD ALIGN=CENTER><FONT SIZE="-1">Proposed<BR>maximum<BR>aggregate<BR>offering price<BR><HR></TD>
<TD ALIGN=CENTER><FONT SIZE="-1">Amount of<BR>registration fee<HR></TD></TR>

<TR VALIGN="BOTTOM"><TD><FONT SIZE="-1"> Common Stock, <BR>$0.01 par value per share </TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">100,000 shares </TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$14.40<SUP> (1)</SUP> </TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$1,440,000<SUP> (1)</SUP> </TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$183.00<SUP> (1)</SUP> </TD></TR></TABLE>
<HR WIDTH=10% ALIGN=LEFT>
<FONT SIZE=-2><OL><LI>Estimated in accordance with Rule 457(h), solely for the purpose of calculating the registration fee. The shares being registeredhereby are being registered based upon the average of the high and low prices per share of the common stock on the Nasdaq NationalMarket of  $14.40 per share on August 1, 2005.</LI></OL></FONT></FONT></FONT>

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<BR>
<CENTER><STRONG>PART I </STRONG><BR>
<BR>
<STRONG>INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</STRONG></CENTER>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The document(s) containing the information specified in Part&nbsp;I of Form S-8 will be sent
or given to participants in the Southern Missouri Bancorp, Inc. 2003 Stock Option and Incentive
Plan (the "Plan") as specified by Rule 428(b)(1) promulgated by the Securities and Exchange
Commission (the "Commission") under the Securities Act of 1933, as amended (the "Securities
Act").<BR>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Such document(s) are not being filed with the Commission, but constitute (along with the
documents incorporated by reference into the Registration Statement pursuant to Item 3 of Part II
hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.<BR>
<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>
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<CENTER><STRONG>PART II </STRONG><BR><BR>
<STRONG>INFORMATION NOT REQUIRED IN PROSPECTUS </STRONG></CENTER>
<BR>
<BR>
Item 3.<U>&nbsp;&nbsp;&nbsp;Incorporation of Certain Documents by Reference</U> .<BR>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents previously or concurrently filed by Southern Missouri Bancorp,
Inc. (the "Company") with the Commission are hereby incorporated by reference into this
Registration Statement and the Prospectus to which this Registration Statement relates (the
"Prospectus"), which Prospectus has been or will be delivered to the participants in the Plan
covered by this Registration Statement:<BR>

<BR>
<CENTER>
<TABLE ALIGN="CENTER" WIDTH="100%">
<TR VALIGN="TOP"><TD WIDTH=10%>&nbsp;   </TD>
<TD WIDTH=5%>1.</TD>
<TD>Southern Missouri Bancorp, Inc.'s Annual Report on Form 10-KSB for the fiscal
year ended June 30, 2004 as filed with the SEC on September 28, 2004. </TD></TR>
<TR VALIGN="TOP"><TD>   </TD>
<TD>   </TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD>   </TD>
<TD>2.</TD>
<TD>Southern Missouri Bancorp, Inc.'s proxy statement for its annual meeting of
stockholders held on October 18, 2004 as filed with the SEC on September 24,
2004. </TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD>&nbsp;&nbsp;&nbsp; </TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD>3.</TD>
<TD>Southern Missouri Bancorp, Inc.'s Quarterly Report on Form 10-QSB for the three
and nine months ended March 31, 2005, as filed with the SEC on May 13, 2005. </TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD>&nbsp;&nbsp;&nbsp; </TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD>4.</TD>
<TD>The description of the common stock, par value $.01 per share, of Southern
Missouri Bancorp, Inc. contained in its Registration Statement on Form S-1 (File
No. 333-2320) as filed with the SEC on January 3, 1994. </TD></TR></TABLE>
</CENTER>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This incorporation by reference of the Company's proxy statement for its annual meeting
of stockholders shall not be deemed to specifically incorporate by reference the information
relating to the audit committee report (as permitted under Item 306 of Regulation S-K).<BR>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents filed by the Company with the Commission pursuant to Sections 13(a),
13(c), 14, or 15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange Act"),
after the date hereof, and prior to the filing of a post-effective amendment which indicates that all
securities offered hereby have been sold or which deregisters all securities then remaining
unsold, shall be deemed incorporated by reference into this Registration Statement and the
Prospectus and to be a part hereof and thereof from the date of the filing of such documents.  Any
statement contained in the documents incorporated, or deemed to be incorporated, by reference
herein or therein shall be deemed to be modified or superseded for purposes of this Registration
Statement and the Prospectus to the extent that a statement contained herein or therein or in any
other subsequently filed document which also is, or is deemed to be, incorporated by reference
herein or therein modifies or supersedes such statement.  Any such statement so modified or
superseded shall not be deemed, except as so modified or superseded, to constitute a part of this
Registration Statement and the Prospectus.<BR>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company shall furnish without charge to each person to whom the Prospectus is
delivered, on the written or oral request of such person, a copy of any or all of the documents
incorporated by reference, other than exhibits to such documents (unless such exhibits are
specifically incorporated by reference to the information that is incorporated).  Requests should



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be directed to: Greg A. Steffens, President, Southern Missouri Bancorp, Inc., 531 Vine Street,
Poplar Bluff, Missouri 63901; telephone number  (573) 778-1800 .<BR>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All information appearing in this Registration Statement and the Prospectus is qualified
in its entirety by the detailed information, including financial statements, appearing in the
documents incorporated herein or therein by reference.<BR>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD WIDTH=10%>Item 4.</TD>
<TD><U>Description of Securities</U>.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2">&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD>   </TD>
<TD>Not applicable.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2">&nbsp;&nbsp;&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD>Item 5.</TD>
<TD><U>Interests of Named Experts and Counsel</U>.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2">&nbsp;&nbsp;&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD>Not applicable.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2">&nbsp;&nbsp;&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD>Item 6.</TD>
<TD><U>Indemnification of Directors and Officers</U>.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2">&nbsp;&nbsp;&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD>Article Nine of the Company's Articles of Incorporation provides for
indemnification of directors and officers of the Company against any and all
liabilities, judgments, fines and reasonable settlements, costs, expenses and
attorneys' fees incurred in any actual, threatened or potential proceeding, except to
the extent that such indemnification is limited by Missouri law and such law cannot
be varied by contract or bylaw.  Indemnification is permitted where such person
was not adjudged to have engaged in conduct that was (i) knowingly fraudulent or
deliberately dishonest or to have constituted willful misconduct or (ii) an
accounting for profits has occurred pursuant to Section 16(b) of the Securities
Exchange Act of 1934, as amended from time to time, or pursuant to a successor
statute or regulation.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2">&nbsp;&nbsp;&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD>Item 7.</TD>
<TD><U>Exemption from Registration Claimed</U>.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2">&nbsp;&nbsp;&nbsp; </TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD>Not applicable.</TD></TR></TABLE>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD WIDTH=10%>Item 8.</TD>
<TD><U>Exhibits</U>.</TD></TR></TABLE>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">Exhibit<BR>Number<HR></TD>
<TD ALIGN="CENTER">Document<HR></TD>
<TD ALIGN="CENTER">Reference to Prior<BR>Filing or Exhibit<BR>Number Attached Hereto<HR></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">   &nbsp;&nbsp;&nbsp;  </TD>
<TD> </TD>
<TD> </TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD>Specimen form of common stock certificate of<BR>
    Southern Missouri Bancorp, Inc. </TD>
<TD ALIGN="CENTER"> *</TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">   &nbsp;&nbsp;&nbsp;  </TD>
<TD> </TD>
<TD ALIGN="CENTER"> </TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD>Articles of Incorporation of <BR>

&nbsp;&nbsp;&nbsp;    Southern Missouri Bancorp, Inc. </TD>
<TD ALIGN="CENTER"> *</TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">&nbsp;&nbsp;&nbsp;  </TD>
<TD> </TD>
<TD ALIGN="CENTER"> </TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD>Bylaws of Southern Missouri Bancorp, Inc.</TD>
<TD ALIGN="CENTER"> *</TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">&nbsp;&nbsp;&nbsp;  </TD>
<TD> </TD>
<TD ALIGN="CENTER"> </TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    </TD>
<TD>Opinion of Silver, Freedman &amp; Taff, L.L.P.</TD>
<TD ALIGN="CENTER">Attached as Exhibit 5</TD></TR></TABLE>


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<TABLE WIDTH=100%>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">&nbsp;&nbsp;&nbsp;  </TD>
<TD> </TD>
<TD ALIGN="CENTER"> </TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">23&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    </TD>
<TD>Consent of BKD, LLP</TD>
<TD ALIGN="CENTER">Attached as Exhibit 23.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD>Consent of Kraft, Miles &amp; Tatum, LLC</TD>
<TD ALIGN="CENTER">Attached as Exhibit 23.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">&nbsp;&nbsp;&nbsp; </TD>
<TD> </TD>
<TD ALIGN="CENTER"> </TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">24&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    </TD>
<TD>Power of Attorney</TD>
<TD ALIGN="CENTER">Contained on Signature Page</TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT"> &nbsp;&nbsp;&nbsp; </TD>
<TD> </TD>
<TD ALIGN="CENTER"> </TD></TR>
<TR VALIGN="TOP"><TD ALIGN="RIGHT">99&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    </TD>
<TD>Southern Missouri Bancorp, Inc.<BR>

    2003 Stock Option and Incentive Plan </TD>
<TD ALIGN="CENTER"> **</TD></TR></TABLE>

____________________<BR>

<TABLE  WIDTH="100%">
<TR VALIGN="TOP"><TD><FONT SIZE="-2">* </TD>
<TD><FONT SIZE="-2">Filed as exhibit to the Company's Form S-1 registration statement filed on January 3, 1994 (File No. 333-2320) and incorporated
herein by reference.</TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-2">** </TD>
<TD><FONT SIZE="-2">Filed as an exhibit to the Company's definitive proxy statement for its annual meeting of stockholders held on October 18, 2004,
and incorporated herein by reference.</TD></TR></TABLE>

<BR>
<TABLE  WIDTH="100%">
<TR VALIGN="TOP"><TD WIDTH=10%>Item 9.</TD>
<TD><U>Undertakings</U>.</TD></TR></TABLE>

<BR>
<TABLE  WIDTH="100%">
<TR VALIGN="TOP"><TD WIDTH=10%>&nbsp;</TD>
<TD WIDTH=5%>(a)</TD>
<TD COLSPAN="3">The undersigned Registrant hereby undertakes:</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;</TD>
<TD>&nbsp;&nbsp;&nbsp;</TD>
<TD WIDTH=5%>(1)</TD>
<TD COLSPAN="2">To file, during any period in which offers or sales are being made, a
post-effective amendment to this registration statement:</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;</TD>
<TD>&nbsp;&nbsp;&nbsp;</TD>
<TD>&nbsp;&nbsp;&nbsp;</TD>
<TD WIDTH=5%>(i)</TD>
<TD>To include any prospectus required by section 10(a)(3) of the
Securities Act of 1933;</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;</TD>
<TD>&nbsp;&nbsp;&nbsp;</TD>
<TD>&nbsp;&nbsp;&nbsp;</TD>
<TD>(ii)</TD>
<TD>To reflect in the prospectus any facts or events arising after the
effective date of the registration statement (or the most recent
post-effective amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set
forth in the registration statement.  Notwithstanding the
foregoing, any increase or decrease in volume of securities
offered (if the total dollar value of securities offered would not
exceed that which was registered) and any deviation from the low
or high end of the estimated maximum offering range may be
reflected in the form of prospectus filed with the Commission
pursuant to Rule 424(b) if, in the aggregate, the changes in
volume and price represent no more than a 20% change in the
maximum aggregate offering price set forth in the "Calculation of
Registration Fee" table in the effective registration statement; and</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></TD>
<TD>(iii)</TD>
<TD>To include any material information with respect to the plan of
distribution not previously disclosed in the registration statement
or any material change to such information in the registration
statement;</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD></TD>
<TD COLSPAN="2">provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) do not apply
if the information required to be included in a post-effective amendment
by those paragraphs is contained in periodic reports filed by the
Registrant pursuant to Section 13 or Section 15(d) of the Securities
Exchange Act of 1934 that are incorporated by reference in the
registration statement.</TD></TR></TABLE>
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<TABLE IWIDTH=100%>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD WIDTH=10%>&nbsp;</TD>
<TD WIDTH=5%>&nbsp;</TD>
<TD WIDTH=5%>(2) </TD>
<TD COLSPAN="2">That, for the purpose of determining any liability under the Securities
Act of 1933, each such post-effective amendment shall be deemed to be
a new registration statement relating to the securities offered therein,
and the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD></TD>
<TD>(3) </TD>
<TD COLSPAN="2">To remove from registration by means of a post-effective amendment
any of the securities being registered which remain unsold at the
termination of the offering.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;</TD>
<TD>(b) </TD>
<TD COLSPAN="3">The undersigned Registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act of 1933, each filing of the
Registrant's annual report pursuant to Section 13(a) or Section 15(d) of the
Securities Exchange Act of 1934 that is incorporated by reference in the
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities at
that time shall be deemed to be the initial bona fide offering thereof.</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="5">&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;</TD>
<TD>(c)</TD>
<TD COLSPAN="3">Insofar as indemnification for liabilities arising under the Securities Act of
1933 may be permitted to directors, officers and controlling persons of the
Registrant pursuant to the foregoing provisions, or otherwise, the Registrant
has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the
Act and is, therefore, unenforceable.  In the event that a claim for
indemnification against such liabilities (other than the payment by the
Registrant of expenses incurred or paid by a director, officer or controlling
person of the Registrant of expenses incurred or paid by a director, officer or
controlling person in the successful defense of any action, suit or proceeding)
is asserted by such director, officer or controlling person in connection with
the securities being registered, the Registrant will, unless in the opinion of its
counsel the matter has been settled by controlling precedent, submit to a court
of appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Act and will be governed by the final
adjudication of such issue.</TD></TR></TABLE>
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<BR>
<CENTER><STRONG>SIGNATURES</STRONG> <BR></CENTER>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable
grounds to believe that it meets all the requirements for filing on Form S-8 and the Registrant has duly caused this
Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Poplar
Bluff, State of Missouri, on August 3, 2005.<BR>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD WIDTH=55%>&nbsp;&nbsp;</TD>
<TD COLSPAN="2"><STRONG>SOUTHERN MISSOURI BANCORP, INC.</STRONG> </TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2">&nbsp;&nbsp;&nbsp;<BR>
&nbsp;&nbsp;&nbsp;/s/ Greg A. Steffens<HR>Greg A. Steffens, President <BR><EM>Principal Executive and Financial</EM><BR>
&nbsp;&nbsp;&nbsp;<EM> and Accounting Officer</EM></TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD WIDTH=8%>&nbsp;&nbsp;&nbsp;<BR>Date:</TD>
<TD>&nbsp;&nbsp;&nbsp;<BR>August 3, 2005<HR></TD></TR></TABLE>
<BR>

<CENTER><STRONG>POWER OF ATTORNEY</STRONG><BR></CENTER>

<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes
and appoints Greg A. Steffens, his true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for him and in his name, place and stead, in any and all capacities, to sign any and all amendments
(including post-effective amendments) to this Registration Statement, and to file the same, with all exhibits thereto,
and all other documents in connection therewith, with the Securities and Exchange Commission, granting unto said
attorney-in-fact and agent full power and authority to do and perform each and every act and thing requisite and
necessary to be done, as fully to all intents and purposes as he might or could do in person, hereby ratifying and
confirming all said attorney-in-fact and agent or his substitutes or substitute may lawfully do or cause to be done by
virtue hereof.<BR>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD WIDTH=45% COLSPAN=2>&nbsp;&nbsp;&nbsp;<BR> /s/ Greg A. Steffens<HR>Greg A. Steffens, President<BR><EM>Principal Executive and Financial</EM><BR>&nbsp;&nbsp;&nbsp;<EM> and Accounting Officer</EM><br>&nbsp;</TD>
<TD WIDTH=10%>&nbsp;&nbsp;</TD>
<TD  WIDTH=45% COLSPAN=2>&nbsp;&nbsp;&nbsp;<BR> /s/ Samuel H. Smith<HR>Samuel H. Smith, Director</TD></TR>
<TR VALIGN="TOP"><TD WIDTH=10%>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD>
<TD></TD>
<TD WIDTH=10%>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD></TR>

<TR VALIGN="TOP"><TD COLSPAN="2"> /s/ James W. Tatum<HR>James W. Tatum, Chairman<br>&nbsp;</TD>
<TD></TD>
<TD COLSPAN="2"> /s/ Ronnie D. Black<HR>Ronnie D. Black, Director and Secretary<BR>&nbsp;&nbsp;&nbsp;</TD></TR>

<TR VALIGN="TOP"><TD>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD>
<TD></TD>
<TD>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD>

<TR VALIGN="TOP"><TD COLSPAN="2"> /s/ L. Douglas Bagby<HR>L. Douglas Bagby, Vice President and Director<br>

&nbsp;&nbsp;&nbsp;</TD>
<TD></TD>
<TD COLSPAN="2"> /s/ Sammy A. Schalk<HR>Sammy A. Schalk, Director<br>&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD>
<TD></TD>
<TD>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD></TR>

<TR VALIGN="TOP"><TD COLSPAN="2"> /s/ Rebecca McLane Brooks<HR>Rebecca McLane Brooks, Director<br>

&nbsp;&nbsp;&nbsp;</TD>
<TD></TD>
<TD COLSPAN="2">
 /s/ Charles R. Love<HR>Charles R. Love, Director<br>
&nbsp;&nbsp;&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD>
<TD></TD>
<TD>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2"> /s/ Charles R. Moffitt<HR>Charles R. Moffitt, Director<br>&nbsp;&nbsp;&nbsp;</TD>
<TD></TD>
<TD COLSPAN="2"></TD></TR>
<TR VALIGN="TOP"><TD>Date:</TD>
<TD>August 3, 2005<HR WIDTH=50% ALIGN=LEFT>&nbsp;<br>&nbsp;</TD>
<TD></TD>
<TD COLSPAN="2"></TD></TR></TABLE>
<BR>

<br><br>
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<br><br>
<A NAME="p2-6"></A>
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<CENTER><STRONG>EXHIBIT INDEX</STRONG><BR></CENTER>

<BR>
<BR>
<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD ALIGN="CENTER">Exhibit Number<HR></TD>
<TD>Document<HR></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER">&nbsp;&nbsp;&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER">&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;</TD>
<TD>Opinion of Silver, Freedman &amp; Taff, L.L.P. </TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER">&nbsp;&nbsp;&nbsp; </TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER">23.1</TD>
<TD>Consent of BKD, LLP </TD></TR>
<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;</TD>
<TD></TD></TR>
<TR VALIGN="TOP"><TD ALIGN="CENTER">23.2</TD>
<TD>Consent of Kraft, Miles &amp; Tatum, LLC </TD></TR></TABLE>
<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>
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[{"type": "S-8", "sequence": "1", "filename": "s8sop03.htm", "secsgml_size_bytes": 25840}]
{"company-data": {"conformed-name": "SOUTHERN MISSOURI BANCORP INC", "cik": "0000916907", "assigned-sic": "6036", "irs-number": "431665523", "state-of-incorporation": "DE", "fiscal-year-end": "0630"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-127134", "film-number": "05994377"}, "business-address": {"street1": "531 VINE ST", "city": "POPLAR BLUFF", "state": "MO", "zip": "63901", "phone": "5737851421"}, "mail-address": {"street1": "531 VINE STREET", "city": "POPLAR BLUFF", "state": "MO", "zip": "63901"}}
As filed with the Securities and Exchange Commission on August 3, 2005.
Registration No. 333-________
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
REGISTRATION STATEMENT ON
FORM S-8
UNDER THE SECURITIES ACT OF 1933
SOUTHERN MISSOURI BANCORP, INC.
(Exact name of registrant as specified in its charter)
Missouri
(State or other jurisdiction of
incorporation or organization)
43-1665523
(I.R.S. Employer Identification No.)
531 Vine Street Poplar Bluff, Missouri  63901
(Address of principal executive offices) (Zip Code)
SOUTHERN MISSOURI BANCORP, INC.
2003 STOCK OPTION AND INCENTIVE PLAN
(Full title of the plan)
Martin L. Meyrowitz, P.C.
Beth A. Freedman, Esq.
Silver, Freedman & Taff, L.L.P.
(a limited liability partnership
including professional corporations)
1700 Wisconsin Avenue, NW
Washington, DC 20007
(Name and address of agent for service)
(202) 295-4500
(Telephone number, including area code, of agent for service)
CALCULATION OF REGISTRATION FEE
Title of securities
to be registered
Amount to be
registered
Proposed maximum
offering price per share
Proposed
maximum
aggregate
offering price
Amount of
registration fee
Common Stock,
$0.01 par value per share
100,000 shares
$14.40
(1)
$1,440,000
(1)
$183.00
(1)
Estimated in accordance with Rule 457(h), solely for the purpose of calculating the registration fee. The shares being registeredhereby are being registered based upon the average of the high and low prices per share of the common stock on the Nasdaq NationalMarket of  $14.40 per share on August 1, 2005.
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PART I
INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
The document(s) containing the information specified in Part I of Form S-8 will be sent
or given to participants in the Southern Missouri Bancorp, Inc. 2003 Stock Option and Incentive
Plan (the "Plan") as specified by Rule 428(b)(1) promulgated by the Securities and Exchange
Commission (the "Commission") under the Securities Act of 1933, as amended (the "Securities
Act").
Such document(s) are not being filed with the Commission, but constitute (along with the
documents incorporated by reference into the Registration Statement pursuant to Item 3 of Part II
hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.
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PART II
INFORMATION NOT REQUIRED IN PROSPECTUS
Item 3.
Incorporation of Certain Documents by Reference
.
The following documents previously or concurrently filed by Southern Missouri Bancorp,
Inc. (the "Company") with the Commission are hereby incorporated by reference into this
Registration Statement and the Prospectus to which this Registration Statement relates (the
"Prospectus"), which Prospectus has been or will be delivered to the participants in the Plan
covered by this Registration Statement:
1.
Southern Missouri Bancorp, Inc.'s Annual Report on Form 10-KSB for the fiscal
year ended June 30, 2004 as filed with the SEC on September 28, 2004.
2.
Southern Missouri Bancorp, Inc.'s proxy statement for its annual meeting of
stockholders held on October 18, 2004 as filed with the SEC on September 24,
2004.
3.
Southern Missouri Bancorp, Inc.'s Quarterly Report on Form 10-QSB for the three
and nine months ended March 31, 2005, as filed with the SEC on May 13, 2005.
4.
The description of the common stock, par value $.01 per share, of Southern
Missouri Bancorp, Inc. contained in its Registration Statement on Form S-1 (File
No. 333-2320) as filed with the SEC on January 3, 1994.
This incorporation by reference of the Company's proxy statement for its annual meeting
of stockholders shall not be deemed to specifically incorporate by reference the information
relating to the audit committee report (as permitted under Item 306 of Regulation S-K).
All documents filed by the Company with the Commission pursuant to Sections 13(a),
13(c), 14, or 15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange Act"),
after the date hereof, and prior to the filing of a post-effective amendment which indicates that all
securities offered hereby have been sold or which deregisters all securities then remaining
unsold, shall be deemed incorporated by reference into this Registration Statement and the
Prospectus and to be a part hereof and thereof from the date of the filing of such documents.  Any
statement contained in the documents incorporated, or deemed to be incorporated, by reference
herein or therein shall be deemed to be modified or superseded for purposes of this Registration
Statement and the Prospectus to the extent that a statement contained herein or therein or in any
other subsequently filed document which also is, or is deemed to be, incorporated by reference
herein or therein modifies or supersedes such statement.  Any such statement so modified or
superseded shall not be deemed, except as so modified or superseded, to constitute a part of this
Registration Statement and the Prospectus.
The Company shall furnish without charge to each person to whom the Prospectus is
delivered, on the written or oral request of such person, a copy of any or all of the documents
incorporated by reference, other than exhibits to such documents (unless such exhibits are
specifically incorporated by reference to the information that is incorporated).  Requests should
II-1
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be directed to: Greg A. Steffens, President, Southern Missouri Bancorp, Inc., 531 Vine Street,
Poplar Bluff, Missouri 63901; telephone number  (573) 778-1800 .
All information appearing in this Registration Statement and the Prospectus is qualified
in its entirety by the detailed information, including financial statements, appearing in the
documents incorporated herein or therein by reference.
Item 4.
Description of Securities
.
Not applicable.
Item 5.
Interests of Named Experts and Counsel
.
Not applicable.
Item 6.
Indemnification of Directors and Officers
.
Article Nine of the Company's Articles of Incorporation provides for
indemnification of directors and officers of the Company against any and all
liabilities, judgments, fines and reasonable settlements, costs, expenses and
attorneys' fees incurred in any actual, threatened or potential proceeding, except to
the extent that such indemnification is limited by Missouri law and such law cannot
be varied by contract or bylaw.  Indemnification is permitted where such person
was not adjudged to have engaged in conduct that was (i) knowingly fraudulent or
deliberately dishonest or to have constituted willful misconduct or (ii) an
accounting for profits has occurred pursuant to Section 16(b) of the Securities
Exchange Act of 1934, as amended from time to time, or pursuant to a successor
statute or regulation.
Item 7.
Exemption from Registration Claimed
.
Not applicable.
Item 8.
Exhibits
.
Exhibit
Number
Document
Reference to Prior
Filing or Exhibit
Number Attached Hereto
4.1
Specimen form of common stock certificate of
Southern Missouri Bancorp, Inc.
*
4.2
Articles of Incorporation of
Southern Missouri Bancorp, Inc.
*
4.3
Bylaws of Southern Missouri Bancorp, Inc.
*
5
Opinion of Silver, Freedman & Taff, L.L.P.
Attached as Exhibit 5
II-2
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23
Consent of BKD, LLP
Attached as Exhibit 23.1
Consent of Kraft, Miles & Tatum, LLC
Attached as Exhibit 23.2
24
Power of Attorney
Contained on Signature Page
99
Southern Missouri Bancorp, Inc.
2003 Stock Option and Incentive Plan
**
____________________
*
Filed as exhibit to the Company's Form S-1 registration statement filed on January 3, 1994 (File No. 333-2320) and incorporated
herein by reference.
**
Filed as an exhibit to the Company's definitive proxy statement for its annual meeting of stockholders held on October 18, 2004,
and incorporated herein by reference.
Item 9.
Undertakings
.
(a)
The undersigned Registrant hereby undertakes:
(1)
To file, during any period in which offers or sales are being made, a
post-effective amendment to this registration statement:
(i)
To include any prospectus required by section 10(a)(3) of the
Securities Act of 1933;
(ii)
To reflect in the prospectus any facts or events arising after the
effective date of the registration statement (or the most recent
post-effective amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set
forth in the registration statement.  Notwithstanding the
foregoing, any increase or decrease in volume of securities
offered (if the total dollar value of securities offered would not
exceed that which was registered) and any deviation from the low
or high end of the estimated maximum offering range may be
reflected in the form of prospectus filed with the Commission
pursuant to Rule 424(b) if, in the aggregate, the changes in
volume and price represent no more than a 20% change in the
maximum aggregate offering price set forth in the "Calculation of
Registration Fee" table in the effective registration statement; and
(iii)
To include any material information with respect to the plan of
distribution not previously disclosed in the registration statement
or any material change to such information in the registration
statement;
provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) do not apply
if the information required to be included in a post-effective amendment
by those paragraphs is contained in periodic reports filed by the
Registrant pursuant to Section 13 or Section 15(d) of the Securities
Exchange Act of 1934 that are incorporated by reference in the
registration statement.
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(2)
That, for the purpose of determining any liability under the Securities
Act of 1933, each such post-effective amendment shall be deemed to be
a new registration statement relating to the securities offered therein,
and the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof.
(3)
To remove from registration by means of a post-effective amendment
any of the securities being registered which remain unsold at the
termination of the offering.
(b)
The undersigned Registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act of 1933, each filing of the
Registrant's annual report pursuant to Section 13(a) or Section 15(d) of the
Securities Exchange Act of 1934 that is incorporated by reference in the
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities at
that time shall be deemed to be the initial bona fide offering thereof.
(c)
Insofar as indemnification for liabilities arising under the Securities Act of
1933 may be permitted to directors, officers and controlling persons of the
Registrant pursuant to the foregoing provisions, or otherwise, the Registrant
has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the
Act and is, therefore, unenforceable.  In the event that a claim for
indemnification against such liabilities (other than the payment by the
Registrant of expenses incurred or paid by a director, officer or controlling
person of the Registrant of expenses incurred or paid by a director, officer or
controlling person in the successful defense of any action, suit or proceeding)
is asserted by such director, officer or controlling person in connection with
the securities being registered, the Registrant will, unless in the opinion of its
counsel the matter has been settled by controlling precedent, submit to a court
of appropriate jurisdiction the question whether such indemnification by it is
against public policy as expressed in the Act and will be governed by the final
adjudication of such issue.
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SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable
grounds to believe that it meets all the requirements for filing on Form S-8 and the Registrant has duly caused this
Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Poplar
Bluff, State of Missouri, on August 3, 2005.
SOUTHERN MISSOURI BANCORP, INC.
/s/ Greg A. Steffens
Greg A. Steffens, President
Principal Executive and Financial
and Accounting Officer
Date:
August 3, 2005
POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears below constitutes
and appoints Greg A. Steffens, his true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for him and in his name, place and stead, in any and all capacities, to sign any and all amendments
(including post-effective amendments) to this Registration Statement, and to file the same, with all exhibits thereto,
and all other documents in connection therewith, with the Securities and Exchange Commission, granting unto said
attorney-in-fact and agent full power and authority to do and perform each and every act and thing requisite and
necessary to be done, as fully to all intents and purposes as he might or could do in person, hereby ratifying and
confirming all said attorney-in-fact and agent or his substitutes or substitute may lawfully do or cause to be done by
virtue hereof.
/s/ Greg A. Steffens
Greg A. Steffens, President
Principal Executive and Financial
and Accounting Officer
/s/ Samuel H. Smith
Samuel H. Smith, Director
Date:
August 3, 2005
Date:
August 3, 2005
/s/ James W. Tatum
James W. Tatum, Chairman
/s/ Ronnie D. Black
Ronnie D. Black, Director and Secretary
Date:
August 3, 2005
Date:
August 3, 2005
/s/ L. Douglas Bagby
L. Douglas Bagby, Vice President and Director
/s/ Sammy A. Schalk
Sammy A. Schalk, Director
Date:
August 3, 2005
Date:
August 3, 2005
/s/ Rebecca McLane Brooks
Rebecca McLane Brooks, Director
/s/ Charles R. Love
Charles R. Love, Director
Date:
August 3, 2005
Date:
August 3, 2005
/s/ Charles R. Moffitt
Charles R. Moffitt, Director
Date:
August 3, 2005
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EXHIBIT INDEX
Exhibit Number
Document
5
Opinion of Silver, Freedman & Taff, L.L.P.
23.1
Consent of BKD, LLP
23.2
Consent of Kraft, Miles & Tatum, LLC
End.