0000927089-01-500053 Sample Contracts

EMPLOYMENT AGREEMENT
Employment Agreement • February 14th, 2001 • Southern Missouri Bancorp Inc • Savings institutions, not federally chartered • Missouri

THIS EMPLOYMENT AGREEMENT ("Agreement") is made and entered into as of this 19th day of August, 1999, by and between Southern Missouri Bank & Trust Co. (hereinafter referred to as the "Bank"), and James W. Duncan (the "Employee"). For automatic renewal purposes, the commencement date will be considered to be June 30, 1999.

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AGREEMENT
Director Agreement • February 14th, 2001 • Southern Missouri Bancorp Inc • Savings institutions, not federally chartered • Missouri

THIS AGREEMENT is made effective as of November 20, 2000, by and between Southern Missouri Bank & Trust Co. (the "Bank") and Sammy A. Schalk (the "Director").

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