<SEC-DOCUMENT>0000927089-19-000482.txt : 20191220
<SEC-HEADER>0000927089-19-000482.hdr.sgml : 20191220
<ACCEPTANCE-DATETIME>20191220171417
ACCESSION NUMBER:		0000927089-19-000482
CONFORMED SUBMISSION TYPE:	11-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190630
FILED AS OF DATE:		20191220
DATE AS OF CHANGE:		20191220

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN MISSOURI BANCORP, INC.
		CENTRAL INDEX KEY:			0000916907
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				431665523
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		11-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23406
		FILM NUMBER:		191302501

	BUSINESS ADDRESS:	
		STREET 1:		2991 OAK GROVE ROAD
		CITY:			POPLAR BLUFF
		STATE:			MO
		ZIP:			63901
		BUSINESS PHONE:		573-778-1800

	MAIL ADDRESS:	
		STREET 1:		2991 OAK GROVE ROAD
		CITY:			POPLAR BLUFF
		STATE:			MO
		ZIP:			63901

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SOUTHERN MISSOURI BANCORP INC
		DATE OF NAME CHANGE:	19940104
</SEC-HEADER>
<DOCUMENT>
<TYPE>11-K
<SEQUENCE>1
<FILENAME>smbc-11k2019.htm
<TEXT>
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            <div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
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      30, 2019</font></div>
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            <div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">[&#160; ]</div>
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            <div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
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  </div>
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            <div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Full title of the plan and the address of the plan, if different from that of the issuer named below:</div>
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            <div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Name of issuer of the securities held pursuant to the plan and the address of its principal executive
              office:</div>
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  <div style="FONT-FAMILY: 'Times New Roman', serif; DISPLAY: block; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 0pt"><br>
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  <div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Required Information</div>
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  <div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">The Southern Bank 401(k) Retirement Plan (the &#8220;Plan&#8221;) is subject to the
    provisions of the Employee Retirement Income Security Act of 1974, as amended (&#8220;ERISA&#8221;), and for purposes of satisfying the requirements of Form 11-K has included for filing herewith the Plan financial statements and schedules prepared in accordance
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  <div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 15.95pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">EIN 43-0462350&#160;&#160;&#160;&#160;&#160;PN001</div>
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  <div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 15.95pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Report of Independent Registered Public Accounting Firm and Financial
    Statements</div>
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  <div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">June 30, 2019 and 2018</div>
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  <div style="FONT-SIZE: 16pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 18.25pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Southern Bank 401(k) Retirement Plan</div>
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  <div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">June 30, 2018 and 2017</div>
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    <table cellspacing="0" cellpadding="0" border="0" id="z44c24fd189644dba841f499eada7218b" style="font-family: 'Times New Roman',Times,serif; font-size: 10pt; width: 100%; text-align: left; color: rgb(0, 0, 0);">

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            <div style="line-height: 13.7pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Contents</div>
          </td>
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          <td style="width: 93.78%; vertical-align: top;">&#160;</td>
          <td style="width: 6.22%; vertical-align: top;">&#160;</td>
        </tr>
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          <td style="width: 93.78%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Report of Independent Registered Public Accounting Firm</div>
          </td>
          <td style="width: 6.22%; vertical-align: top;">
            <div style="text-align: right; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">1</div>
          </td>
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        <tr>
          <td style="width: 93.78%; vertical-align: top;">&#160;</td>
          <td style="width: 6.22%; vertical-align: top;">&#160;</td>
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          <td style="width: 93.78%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Financial Statements</div>
          </td>
          <td style="width: 6.22%; vertical-align: top;">&#160;</td>
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          <td style="width: 93.78%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Statements of Net Assets Available for Benefits</div>
          </td>
          <td style="width: 6.22%; vertical-align: top;">
            <div style="text-align: right; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">2</div>
          </td>
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          <td style="width: 93.78%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Statement of Changes in Net Assets Available for Benefits</div>
          </td>
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            <div style="text-align: right; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">3</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Notes to Financial Statements</div>
          </td>
          <td style="width: 6.22%; vertical-align: top;">
            <div style="text-align: right; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">4</div>
          </td>
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          <td style="width: 93.78%; vertical-align: top;">&#160;</td>
          <td style="width: 6.22%; vertical-align: top;">&#160;</td>
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            <div style="line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Supplemental Schedules</div>
          </td>
          <td style="width: 6.22%; vertical-align: top;">&#160;</td>
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          <td style="width: 93.78%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Schedule H, Line 4a &#8211; Schedule of Delinquent Participant Contributions</div>
          </td>
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            <div style="text-align: right; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">12</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Schedule H, Line 4i &#8211; Schedule of Assets (Held at End of Year)</div>
          </td>
          <td style="width: 6.22%; vertical-align: top;">
            <div style="text-align: right; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">13</div>
          </td>
        </tr>
        <tr>
          <td style="width: 93.78%; vertical-align: top;">&#160;</td>
          <td style="width: 6.22%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    &#160;</div>
  <div style="FONT-FAMILY: 'Times New Roman', serif">&#160;</div>
  <div style="FONT-FAMILY: 'Times New Roman', serif">&#160;</div>
  <div style="FONT-FAMILY: 'Times New Roman', serif"> <br>
  </div>
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  </div>
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    <hr noshade="noshade" style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 0px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; PAGE-BREAK-AFTER: always; COLOR: #ffffff; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #ffffff" id="DSPFPageBreak"> </div>
  <div style="FONT-FAMILY: 'Times New Roman', serif">&#160;</div>
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  <div><br>
    <div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">Report of Independent Registered Public Accounting Firm</div>
    <div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
    </div>
    <br>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Plan Administrator, Plan Participants and Audit Committee</div>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Southern Bank 401(k) Retirement Plan</div>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Poplar Bluff, Missouri</div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt; font-style: italic; font-weight: bold;">Opinion on the Financial Statements</div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">We have audited the accompanying statements of net assets available for benefits of Southern Bank 401(k) Retirement Plan<font style="font-weight: bold;">&#160;</font>(the &#8220;Plan&#8221;)<font style="font-weight: bold;">&#160;</font>as of June 30, 2019 and 2018, and the related statement of changes in net assets available for benefits for the year ended June 30, 2019, and the related notes
      (collectively referred to as the &#8220;financial statements&#8221;).&#160; In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of the Plan as of June 30, 2019 and 2018, and the
      changes in net assets available for benefits for the year ended June 30, 2019 in conformity with accounting principles generally accepted in the United States of America.</div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman', serif; font-size: 11pt; font-style: italic; font-weight: bold;">Basis of Opinion</div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman', serif; font-size: 11pt;">These financial statements are the responsibility of the Plan&#8217;s management.&#160; Our responsibility is to express an opinion on
      these financial statements based on our audits.</div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman', serif; font-size: 11pt;">We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (&#8220;PCAOB&#8221;) and
      are required to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">We conducted our audits in accordance with the standards of the PCAOB.&#160; Those standards require that we plan and perform
      the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.&#160; The Plan is not required to have, nor were we engaged to perform, an audit of its internal control
      over financial reporting.&#160; As part of our audits we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Plan&#8217;s internal control over
      financial reporting.&#160; Accordingly, we express no such opinion.</div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman',serif; font-size: 11pt; font-style: normal; font-weight: normal;">Our audits included performing procedures to assess the risks of material
      misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks.&#160; Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial
      statements.&#160; Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements.&#160; We believe that our audits provide a reasonable
      basis for our opinion.</div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman',serif; font-size: 11pt; font-style: normal; font-weight: bold;"> <font style="font-style: italic;">Report on Supplemental Information</font></div>
    <div style="margin: 0px 0px 9pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt; text-align: left;">The supplemental information in the accompanying Schedule of Delinquent Participant Contributions as of June 30, 2019 and
      the Schedule of Assets (Held at End of Year) as of June 30, 2019, have been subjected to audit procedures performed in conjunction with the audit of the Plan&#8217;s financial statements.&#160; The supplemental schedules are the responsibility of the Plan&#8217;s
      management.&#160; Our audit procedures included determining whether the supplemental schedules reconcile to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and
      accuracy of the information presented in the supplemental schedules.&#160; In forming our opinion on the supplemental schedules, we evaluated whether the supplemental schedules, including their form and content, are presented in conformity with the
      Department of Labor&#8217;s Rules and Regulations for Reporting and Disclosure under the <font style="font-style: italic;">Employee Retirement Income Security Act of 1974</font>.&#160; In our opinion, the Schedule of Delinquent Participant Contributions as of
      June 30, 2019 and the Schedule of Assets (Held at End of Year) as of June 30, 2019, are fairly stated, in all material respects, in relation to the basic financial statements taken as a whole.</div>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;"> /s/ BKD, LLP<br>
    </div>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;"> <br>
    </div>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">We have served as the Plan&#8217;s auditor since 2012.</div>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;"> <br>
    </div>
    <div style="text-align: left; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">St. Louis, Missouri</div>
    <div style="text-align: left; line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 11pt;">December 20, 2019</div>
  </div>
  <div style="FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 12pt; FONT-FAMILY: 'Times New Roman', serif; MARGIN-TOP: 12pt; CLEAR: both" id="DSPFPageBreakArea">
    <hr noshade="noshade" style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 0px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; PAGE-BREAK-AFTER: always; COLOR: #ffffff; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #ffffff" id="DSPFPageBreak"> </div>
  <!--PROfilePageNumberReset%Num%2%%%--> <br>
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    <font style="FONT-FAMILY: 'Times New Roman', serif">&#160;</font></div>
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    <div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">Statements of Net Assets Available for Benefits</div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2019 and 2018</div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">&#160;</div>
    <font style="font-family: 'Times New Roman',serif;"> </font>
    <div style="MARGIN-BOTTOM: 3pt; LINE-HEIGHT: 13.7pt"> </div>
    <font style="font-family: 'Times New Roman',serif;"> </font></div>
  <font style="font-family: 'Times New Roman',serif;"> </font>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z41e1437690d34fef803c1310d3dd6b09">

        <tr>
          <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; line-height: 11.4pt; font-family: Arial, sans-serif; font-weight: bold;"> 2019</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; line-height: 11.4pt; font-family: Arial, sans-serif; font-weight: bold;">2018</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Investments, At Fair Value</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">26,993,619</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">27,347,505</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Receivables</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Notes receivable from participants</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">489,642</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">583,695</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Employer&#8217;s contributions</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">795,342</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">746,371</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,284,984</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,330,066</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%; padding-bottom: 4px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Net Assets Available for Benefits</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">28,278,603</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">$</font></div>
          </td>
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            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">28,677,571</font></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
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  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="FONT-SIZE: 9pt; MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; FONT-STYLE: italic; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">See Notes to Financial Statements</div>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 6pt; LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
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  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div id="DSPFPageHeader">
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      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">Southern Bank 401(k) Retirement Plan</div>
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    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">Year Ended June 30, 2019</div>
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    <font style="font-family: 'Times New Roman',serif; font-size: 11pt;"> </font></div>
  <font style="font-family: 'Times New Roman',serif; font-size: 11pt;"> </font>
  <div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt"> </div>
  <font style="font-family: 'Times New Roman',serif; font-size: 11pt;"> </font>
  <div style="margin-bottom: 6pt; font-family: 'Times New Roman',serif; line-height: 13.7pt; font-size: 11pt;">
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          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Investment Income (Loss)</div>
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          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Net depreciation in fair value of investments</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">(1,599,785</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">)</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Interest and dividends</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,071,752</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 72pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Net investment loss</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">(528,033</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Interest Income on Notes Receivable from Participants</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">27,696</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Contributions</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Participants</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">832,721</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Employer</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,300,779</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Rollovers</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">116,849</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total contributions</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">2,250,349</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total additions</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,750,012</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Deductions</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">Benefits paid to participants</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">3,586,215</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="margin-right: 14.4pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;&#160;&#160;&#160;Administrative fees</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">6,152</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 39.6pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total deductions</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">3,592,367</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="margin-right: 14.4pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;">Net Decrease</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">(1,842,355</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="margin-right: 14.4pt; line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;">Transfer to Southern Bank 401(k) Retirement Plan</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,443,387</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Net Assets Available for Benefits, Beginning of Year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">28,677,571</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 4px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 25.2pt; line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">Net Assets Available for Benefits, End of Year</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Times New Roman', serif;">28,278,603</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>

    </table>
    &#160;</div>
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    <div style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman', serif; FONT-STYLE: italic; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">See Notes to Financial Statements</div>
    <br>
    <div><br>
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      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-family: 'Times New Roman',Times,serif; font-size: 11pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
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      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">Southern Bank 401(k) Retirement Plan</div>
      <font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements</font></div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2019 and 2018</div>
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              <td style="width: 57.6pt; vertical-align: top; align: right; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Note 1:</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Description of the Plan<a name="Notes"></a></div>
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    <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt;">The following description of Southern Bank 401(k) Retirement Plan (Plan) provides only general information. Participants should refer to the
      Plan Document for a more complete description of the Plan&#8217;s provisions.</div>
    <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 11pt; font-style: italic; font-weight: bold;">General</div>
    <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt;">The Plan is a defined contribution plan sponsored by Southern Bank (the Bank), a wholly-owned subsidiary of Southern Missouri Bancorp, Inc.
      (the Company), for the benefit of its employees who have at least one year of service and are age 21 or older. The Plan is subject to the provisions of the <font style="font-style: italic;">Employee Retirement Income Security Act of 1974</font>
      (ERISA).</div>
    <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt;">The Bank previously also maintained a qualified Employee Stock Ownership Plan (ESOP). The Bank merged the ESOP into the Plan effective
      October 1, 2010. Participant accounts under the ESOP are maintained as a separate source (ESOP Source) under the Plan with ESOP provisions concerning matters such as vesting, withdrawals, loans, dividends, and distributions remaining in effect.</div>
    <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt;">The Plan is administered by the Bank. Capital Bank and Trust Company is the trustee of the Plan. American Funds serves as Plan custodian.</div>
    <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 11pt; font-style: italic; font-weight: bold;">Contributions</div>
    <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt;">The Plan permits eligible employees to make voluntary contributions to the Plan up to the annual limit set by the Internal Revenue Service
      (IRS). Employee rollover contributions are also permitted. Participants who have attained age 50 before the end of the calendar year are eligible to make catch-up contributions.</div>
    <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt;">The Bank makes safe harbor matching contributions of 100% of employees&#8217; salary deferral amounts on the first 3% of employees&#8217; compensation,
      and 50% of employees&#8217; salary deferral amounts on the next 2% of employees&#8217; compensation. The Bank also makes profit-sharing contributions. Bank profit-sharing contributions are discretionary as determined by the Bank&#8217;s Board of Directors.
      Contributions are subject to certain limitations. Forfeitures are used to reduce Bank contributions.</div>
    <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 11pt; font-style: italic; font-weight: bold;">Participant Investment Account Options</div>
    <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt;">Investment account options available include various funds and common stock of the Company. Each participant has the option of directing his
      contributions into any of the separate investment accounts and may change the allocation daily.</div>
    &#160;</div>
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    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">Southern Bank 401(k) Retirement Plan</div>
      <font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2019 and 2018</div>
    <div style="MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
    </div>
  </div>
  <div style="margin-bottom: 12pt; margin-top: 6pt; line-height: 12.55pt;">
    <div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 0pt">&#160;
      <div style="line-height: 0pt; font-family: 'Times New Roman',serif; font-size: 11pt;"><br style="line-height: 0pt;">
      </div>
      <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial,'sans-serif'; font-size: 11pt; font-style: italic; font-weight: bold;">Participant Accounts</div>
    </div>
    <font style="font-family: 'Times New Roman',serif; font-size: 11pt;"> </font>
    <div style="font-family: 'Times New Roman',serif; line-height: 0pt; font-size: 11pt;">
      <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman', serif;">Each participant&#8217;s account is credited with the participant&#8217;s contribution, the Bank&#8217;s contribution, and plan
        earnings, and is charged with an allocation of administrative expenses. Allocations are based on participant earnings or account balances, as defined. The benefit to which a participant is entitled is the benefit that can be provided from the
        participant&#8217;s vested account.</div>
      <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Vesting</div>
      <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman', serif;">Participants are immediately vested in their voluntary contributions plus earnings thereon. Bank matching
        contributions and ESOP Source contributions are vested at a rate of 20% per year of service beginning with completion of the second year of service. A participant becomes fully vested with completion of their sixth year of service. The non-vested
        balance is forfeited upon termination of service. Forfeitures are used to reduce Bank contributions.</div>
      <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Payment of Benefits</div>
      <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman', serif;">Under the terms of the Plan, participants are entitled to receive the amount credited to their accounts upon normal
        retirement at the age of 65 or disability retirement. Participants terminating employment prior to retirement are entitled to receive that portion of their account that is vested. In the event of death, the participant&#8217;s account becomes fully
        vested and is paid to the designated beneficiary. Distributions under the Plan are payable in a lump sum or through installments. Payments through installments are only available to Participants with a vested account balance in excess of $5,000 who
        terminate at normal retirement age or later. At June 30, 2019 and 2018, Plan assets included no amounts allocated to accounts of terminated or retired participants who have elected to withdraw from the Plan but which had not yet been paid.</div>
      <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Forfeited Accounts</div>
      <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman', serif;">At June 30, 2019 and 2018, forfeited non-vested accounts totaled $2,960 and $4,740, respectively. These accounts will
        be used to reduce future Bank contributions. Also, in 2019, employer contributions were reduced by $20,656 from forfeited non-vested accounts.</div>
      <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Notes Receivable from Participants</div>
      <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-family: 'Times New Roman', serif;">The Plan Document includes provisions authorizing loans from the Plan to active eligible participants. Loans are made
        to any eligible participant demonstrating a qualifying need. The minimum amount of a loan shall be $1,000. The maximum amount of a participant&#8217;s loans is determined by the available loan balance restricted to the lesser of $50,000 or 50% of the
        participant&#8217;s vested account balance. All loans are covered by demand notes and are repayable over a period not to exceed five years. Loans are repaid through payroll withholdings unless the participant is paying the loan in full. Interest on the
        loans is fixed for the term of the loan at a rate one percentage point above the <font style="font-style: italic;">Wall Street Journal&#8217;s </font>published prime rate of interest on the first day of the month in which the loan was made.</div>
      &#160;</div>
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      </div>
      <br>
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    <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: 'Times New Roman', serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">&#160;</div>
    <div style="font-size: 11pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; margin-top: 6pt; font-weight: bold; font-style: italic; text-align: left; line-height: 12.55pt;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-family: 'Times New Roman',Times,serif; font-size: 11pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
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    </div>
    <div style="font-size: 11pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; margin-top: 6pt; font-weight: bold; font-style: italic; text-align: left; line-height: 12.55pt;"> <br>
    </div>
    <div style="font-size: 11pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; margin-top: 6pt; font-weight: bold; font-style: italic; text-align: left; line-height: 12.55pt;"> <br>
    </div>
    <div><br>
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    <div><br>
    </div>
    <br style="LINE-HEIGHT: 12.55pt">
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">Southern Bank 401(k) Retirement Plan</div>
      <font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2019 and 2018</div>
    <div style="MARGIN-BOTTOM: 3pt; LINE-HEIGHT: 13.7pt">
      <div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 0pt">&#160;</div>
      <div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 0pt">&#160;</div>
      <div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 0pt"><br style="LINE-HEIGHT: 0pt">
        <div style="LINE-HEIGHT: 0pt"><br style="LINE-HEIGHT: 0pt">
        </div>
        <br>
      </div>
      <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: 'Times New Roman', serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">&#160;</div>
      <font style="font-family: 'Times New Roman',serif; font-size: 11pt;"> </font></div>
    <font style="font-family: 'Times New Roman',serif; font-size: 11pt;"> </font></div>
  <font style="font-family: 'Times New Roman',serif; font-size: 11pt;"> </font>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
    <div style="line-height: 0pt;"><br style="line-height: 0pt;">
    </div>
    <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Plan Termination</div>
    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Although it has not expressed an intention to do so, the Bank has the right under the Plan to discontinue its contributions at any time and to terminate the Plan, subject to
      the provisions of ERISA. In the event of plan termination, participants will become 100% vested in their accounts.</div>
    <div style="line-height: 12.55pt; margin-bottom: 9pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z71d405f457c14e4085e35ef27fe841a8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 58.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 0.9pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Note 2:</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Summary of Significant Accounting Policies</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Basis of Accounting</div>
    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">The accompanying financial statements are prepared on the accrual basis of accounting.</div>
    <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Use of Estimates</div>
    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and
      assumptions that affect the reported amounts of net assets and changes in net assets and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates.</div>
    <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Investment Valuation and Income Recognition</div>
    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Quoted market prices, if available, are used to value investments. Common stock is valued at the closing price reported on the active market on which the individual security is
      traded. Mutual funds and the money market fund are valued at the net asset value (NAV) of shares held by the plan at year end.</div>
    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Net
      depreciation includes the Plan&#8217;s gains and losses on investments bought and sold as well as held during the year.</div>
    <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Notes Receivable from Participants</div>
    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest. Delinquent participant loans are reclassified as
      distributions based upon the terms of the plan document.</div>
    <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Plan Tax Status</div>
    <div style="line-height: 13.7pt; font-family: 'Times New Roman',serif; font-size: 12pt; margin-left: 27pt;">The Plan operates under a non-standardized adoption agreement in connection with a prototype 401(k) profit-sharing plan and trust sponsored by
      American Funds Distributors, Inc. This prototype plan document has been filed with the appropriate agency. The Plan has not obtained or requested a determination letter. However, the Plan Administrator believes that the Plan is currently designed</div>
    <br>
    &#160;</div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"> <br>
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  <!--PROfilePageNumberReset%Num%7%%%-->
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"> <br>
  </div>
  <div style="font-size: 11pt; margin-bottom: 9pt; font-family: 'Times New Roman',serif; text-align: left; line-height: 12.55pt;">
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">Southern Bank 401(k) Retirement Plan</div>
      <font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2019 and 2018</div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt"> <br>
    </div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt"> <br>
    </div>
    <div style="MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">
      <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">and being operated in compliance with the applicable requirements of the Internal Revenue Code and that the Plan was qualified and the related trust was tax exempt.</div>
      <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Payment of Benefits</div>
      <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Benefit payments to participants are recorded upon distribution.</div>
      <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Administrative Expenses</div>
      <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Administrative expenses may be paid by the Bank or the Plan, at the Bank&#8217;s discretion.</div>
      <div style="line-height: 12.55pt; margin-bottom: 9pt;"><br style="line-height: 12.55pt;">
      </div>
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            <tr>
              <td style="width: 58.5pt; vertical-align: top; align: right;">
                <div style="margin-left: 0.9pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Note 3:</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Related-Party and Party-in-Interest Transactions</div>
              </td>
            </tr>

        </table>
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      <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Party-in-interest transactions include those with fiduciaries or employees of the Plan, any person who provides services to the Plan, an employer whose employees are covered
        by the Plan, a person who owns 50 percent or more of such an employer, or relatives of such persons.</div>
      <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">The Plan allows participants to invest their account balances in shares of the Company. The number of shares of common stock held by the Plan at June 30, 2019 and 2018 was
        365,739 shares and 374,642 shares, respectively, and the Plan received dividends of $189,507 during the year ended June 30, 2019.</div>
      <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">The plan incurs expenses related to general administrative and record keeping. The Company pays certain administrative expenses and accounting and auditing fees relating to
        the Plan and provides certain administrative services at no cost to the plan.</div>
      <div style="line-height: 12.55pt; margin-bottom: 9pt;"><br style="line-height: 12.55pt;">
      </div>
      <div>
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            <tr>
              <td style="width: 58.5pt; vertical-align: top; align: right;">
                <div style="margin-left: 0.9pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Note 4:</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Disclosures About Fair Value of Plan Assets</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.
        Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value:</div>
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                </td>
                <td style="width: 49.7pt; vertical-align: top; align: right; font-family: 'Times New Roman', serif; font-size: 11pt; font-weight: bold;">Level 1</td>
                <td style="width: auto; vertical-align: top;">
                  <div style="font-family: 'Times New Roman', serif; font-size: 11pt;">Quoted prices in active markets for identical assets</div>
                </td>
              </tr>

          </table>
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      <div style="line-height: 12.55pt; margin-bottom: 9pt;">
        <div>
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                </td>
                <td style="width: 49.7pt; vertical-align: top; align: right; font-family: 'Times New Roman', serif; font-size: 11pt; font-weight: bold;">Level 2</td>
                <td style="width: auto; vertical-align: top;">
                  <div style="font-family: 'Times New Roman', serif; font-size: 11pt;">Observable inputs other than Level 1 prices, such as quoted prices for similar assets; quoted prices in markets that are not active; or other inputs that are observable
                    or can be corroborated by observable market data for substantially the full term of the assets</div>
                </td>
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      <div style="line-height: 12.55pt; margin-bottom: 9pt;">
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                </td>
                <td style="width: 49.7pt; vertical-align: top; align: right; font-family: 'Times New Roman', serif; font-size: 11pt; font-weight: bold;">Level 3</td>
                <td style="width: auto; vertical-align: top;">
                  <div style="font-family: 'Times New Roman', serif; font-size: 11pt;">Unobservable inputs that are supported by little or no market activity and significant to the fair value of the assets</div>
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      &#160;</div>
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        </div>
        <br style="LINE-HEIGHT: 0pt">
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      <div style="margin-bottom: 9pt; line-height: 12.55pt;">&#160;&#160;</div>
      <div style="margin-bottom: 9pt; line-height: 12.55pt;"> <br>
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      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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      <div style="margin-bottom: 9pt; line-height: 12.55pt;"> <br>
      </div>
      <div style="margin-bottom: 9pt; line-height: 12.55pt;"> <br>
      </div>
    </div>
  </div>
  <div style="MARGIN-BOTTOM: 9pt; LINE-HEIGHT: 12.55pt">
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">Southern Bank 401(k) Retirement Plan</div>
      <font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2019 and 2018</div>
    <div style="MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
    <div style="MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">
      <div style="line-height: 0pt;"><br style="line-height: 0pt;">
      </div>
      <div style="text-align: left; margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 11pt; font-style: italic; font-weight: bold;">Recurring Measurements</div>
      <div style="text-align: left; margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt;">The following tables present the fair value measurements of assets recognized in the accompanying statements of net assets available for
        benefits measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2019 and 2018:</div>
      <div style="line-height: 12.55pt; margin-bottom: 9pt;"><br style="line-height: 12.55pt;">
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          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="10">
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;"> June 30, 2019</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="10">
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Fair Value Measurements Using</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Fair Value</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Quoted Prices</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">in Active</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Markets for</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Identical</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Assets</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">(Level 1)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Significant</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Other</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Observable</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Inputs</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">(Level 2)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Significant</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Unobservable</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Inputs</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">(Level 3)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 48%;">
              <div style="margin-right: 14.4pt; margin-left: 36pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Company security</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">12,738,679</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">12,738,679</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">14,618,938</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">11,830,167</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">11,830,167</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%; padding-bottom: 2px;">
              <div style="margin-right: 14.4pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Money market fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">898,400</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">898,400</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 48%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">27,347,505</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">27,347,505</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 48%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 48%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 48%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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      </div>
      <br style="LINE-HEIGHT: 13.7pt">
    </div>
  </div>
  <div style="MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">&#160;</div>
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  <div style="MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt"> <br>
  </div>
  <div style="MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt"> <br>
  </div>
  <div style="MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">&#160;</div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">Southern Bank 401(k) Retirement Plan</div>
      <font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>
    <div style="font-size: 12pt; margin-bottom: 3pt; font-weight: bold; text-align: center; line-height: 13.7pt;">June 30, 2019 and 2018</div>
    <div style="font-size: 12pt; margin-bottom: 3pt; font-weight: bold; text-align: center; line-height: 13.7pt;"> <br>
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    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying statements
      of net assets available for benefits, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the year ended June 30, 2019. In addition, the
      Plan had no assets measured at fair value on a nonrecurring basis.</div>
    <div style="margin-left: 14.4pt; line-height: 12.55pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-style: italic; font-weight: bold;">Investments</div>
    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy.</div>
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    </div>
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              <div style="margin-left: 0.9pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Note 5:</div>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Reconciliation of Financial Statements to Form 5500</div>
            </td>
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    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">The following is a reconciliation of net assets available for benefits per the financial statements at June 30, 2019 and 2018, to Form 5500:</div>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;"> 2019</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">2018</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 54pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Net assets available for benefits per the financial statements</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">28,278,603</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">28,677,571</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 54pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Less: employer&#8217;s contributions receivable</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">795,342</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">746,371</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 74%; padding-bottom: 4px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 82.8pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Net assets available for benefits per Form 5500</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">27,483,261</font></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">27,931,200</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
        </tr>

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    <div style="line-height: 12.55pt; margin-bottom: 9pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt;">The following is a reconciliation of contributions per the financial statements for the year ended June 30, 2019, to Form 5500:</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z06e595f533784085ba5b94a67d289600">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
            <div style="text-align: center; line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;"> 2019</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 54pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Contributions per the financial statements</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">2,250,349</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 54pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Add: Employer&#8217;s contributions receivable at June 30, 2018</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">746,371</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 2px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 54pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Less: Employer&#8217;s contributions receivable at June 30, 2019</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 solid 2px;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">(795,342</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 87%; padding-bottom: 4px;">
            <div style="text-indent: -10.8pt; margin-right: 14.4pt; margin-left: 82.8pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Contributions per Form 5500</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">2,201,378</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
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    &#160; <br>
  </div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-family: 'Times New Roman',Times,serif; font-size: 11pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;" id="DSPFPageNumber">9</font></div>
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      <hr noshade="noshade" style="background-color: #ffffff; border-width: 0px; clear: both; color: #ffffff; height: 0px; margin: 4px 0px; width: 100%;"></div>
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  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"> <br>
  </div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
    <div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">&#160;</div>
      <div style="font-size: 16pt; margin-bottom: 3pt; font-family: 'Times New Roman', serif; font-weight: bold; line-height: 18.25pt;">Southern Bank 401(k) Retirement Plan</div>
      <font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>
    <div style="font-size: 12pt; margin-bottom: 3pt; font-weight: bold; text-align: center; line-height: 13.7pt;">June 30, 2019 and 2018</div>
    <div style="font-size: 12pt; margin-bottom: 3pt; font-weight: bold; text-align: center; line-height: 13.7pt;">&#160;</div>
    <div style="font-size: 12pt; margin-bottom: 3pt; font-family: 'Times New Roman',serif; font-weight: bold; line-height: 13.7pt;">
      <div style="line-height: 13.7pt; margin-bottom: 12pt;">
        <div>
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              <tr>
                <td style="width: 0.9pt;"><br>
                </td>
                <td style="width: 57.6pt; vertical-align: top; align: right; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Note 6:</td>
                <td style="width: auto; vertical-align: top;">
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                </td>
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          </table>
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      <div style="margin-left: 28.8pt; line-height: 12.55pt; margin-bottom: 9pt; font-size: 11pt; font-weight: normal;">On November 21, 2018, the Company completed a merger with Gideon Bancshares Company, the parent company of First Commercial Bank. In
        connection with this merger, employees of First Commercial Bank transferred account balances from the N.B. Harty Companies 401(k) Plan to the plan. An aggregate of $1,443,387 was rolled into the Plan during the year ended June 30, 2019, and is
        included within Transfer to Southern Bank 401(k) Retirement Plan on the statement of changes in net assets available for benefits.</div>
      <div style="line-height: 12.55pt; margin-bottom: 9pt;"><br style="line-height: 12.55pt;">
      </div>
      <div style="text-align: justify; line-height: 13.7pt; margin-bottom: 12pt;">
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              <tr>
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                <td style="width: 62.1pt; vertical-align: top; align: right; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Note 7:</td>
                <td style="width: auto; vertical-align: top; text-align: justify;">
                  <div style="font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Risks and Uncertainties</div>
                </td>
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      <div style="line-height: 13.7pt; font-weight: normal; margin-left: 27pt;">The Plan invests in various investment securities. Investment securities are exposed to various risks such as interest rate, market and credit risks. Due to the level of risk
        associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect the participants&#8217; account balances and
        the amounts reported in the statements of net assets available for benefits.</div>
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    <font style="font-family: 'Times New Roman',serif;"> </font>
    <div style="margin-bottom: 3pt; line-height: 13.7pt;"><font style="font-family: 'Times New Roman',serif;"></font><br>
    </div>
  </div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-family: 'Times New Roman',Times,serif; font-size: 11pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;" id="DSPFPageNumber">10</font></div>
    <div style="page-break-after: always;" id="DSPFPageBreak">
      <hr noshade="noshade" style="background-color: #ffffff; border-width: 0px; clear: both; color: #ffffff; height: 0px; margin: 4px 0px; width: 100%;"></div>
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  <!--PROfilePageNumberReset%Num%11%%%-->
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"> <br>
  </div>
  <div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="line-height: 13.7pt;">&#160;</div>
    <div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
      &#160;</div>
    <br>
    <div style="font-size: 16pt; margin-bottom: 3pt; font-weight: bold; text-align: center; line-height: 18.25pt;">Supplemental Schedules</div>
    <div id="DSPFPageFooter">
      <div style="line-height: 13.7pt;">&#160;</div>
      <div style="line-height: 13.7pt;">&#160;</div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
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      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
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      </div>
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      </div>
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      </div>
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      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;"> <br>
      </div>
      <div style="line-height: 13.7pt;">&#160;</div>
      <div style="line-height: 13.7pt;">&#160;</div>
    </div>
    &#160; <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-family: 'Times New Roman',Times,serif; font-size: 11pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;" id="DSPFPageNumber">11</font></div>
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      <hr noshade="noshade" style="background-color: #ffffff; border-width: 0px; clear: both; color: #ffffff; height: 0px; margin: 4px 0px; width: 100%;"></div>
  </div>
  <div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>
  <div id="DSPFPageFooter"> <br>
  </div>
  <div id="DSPFPageFooter">
    <div style="text-align: center; line-height: 18.25pt; margin-bottom: 3pt; font-family: Arial, sans-serif; font-size: 16pt; font-weight: bold;">Southern Bank 401(k) Retirement Plan</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 3pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">EIN 43-0462350&#160; &#160;&#160; PN001</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 3pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">Schedule H, Line 4a &#8211; Schedule of Delinquent Participant Contributions</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 3pt; font-family: Arial, sans-serif; font-size: 12pt; font-weight: bold;">June 30, 2019</div>
    <div style="line-height: 13.7pt; margin-bottom: 3pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 3pt;">
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          <tr>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: #000000 solid 2px;" colspan="10">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman',serif; font-size: 11pt;">Total that Constitute Nonexempt Prohibited Transactions</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Participant</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Contributions</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Transferred Late</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">to Plan</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Contributions Not</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Corrected</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Contributions</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Corrected Outside</div>
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">VFCP</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: #000000 solid 2px;" colspan="2">
              <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Contributions</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">$</div>
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              <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">-</div>
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            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 47%;">
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom;" colspan="2">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">American Funds Money Market Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">320,574</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds Bond Fund of America</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">22,576</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">297,099</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds Intermediate Bond Fund of America</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">6,240</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">84,746</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds Income Fund of America</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">12,913</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">289,907</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;Franklin Income Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">69,792</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">161,918</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds American Balanced Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">28,683</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">782,463</div>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;Invesco Van Kampen Comstock Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">11,817</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">290,107</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
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            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;Templeton Growth Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">7,177</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">160,122</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds Fundamental Investors</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">9,308</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">550,395</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds Investment Company of America</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">34,636</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,317,567</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds Growth Fund of America</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">28,754</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,433,081</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds New Perspective Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">17,068</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">752,535</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds New World Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">7,955</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">535,192</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;Putnam Growth Opportunities</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">6,164</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">228,383</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;Victory Established Value Fund</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">29,741</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,162,871</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;Franklin Small Cap Growth Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">35,746</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">769,253</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2010 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">9,410</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">104,166</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2015 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">5,617</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">65,998</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2020 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">63,006</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">806,474</div>
            </td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2025 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">50,501</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">694,388</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2030 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">53,099</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">783,204</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2035 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">67,109</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">1,020,722</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2040 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">37,925</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">590,867</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2045 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">38,215</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">605,705</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2050 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">13,645</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">212,047</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2055 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">10,275</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">199,444</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">&#160;&#160;&#160;American Funds 2060 Target Date Fund</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">2,766</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">35,712</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Southern Missouri Bancorp, Inc. Common Stock (SMBC)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">365,739</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">shares</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">12,738,679</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%;" colspan="1" rowspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%;" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
            <td style="vertical-align: bottom; text-align: center; width: 5%;" colspan="3" rowspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;"> Various maturity dates through 2024;</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%;" colspan="1" rowspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1" rowspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%; padding-bottom: 2px;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">*</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%; padding-bottom: 2px;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Notes Receivable from Participants</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;" colspan="4"><br>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">489,642</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 4%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 47%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 5%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%; padding-bottom: 4px;">&#160;&#160;&#160;&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: #000000 double 4px;" colspan="1">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">27,483,261</div>
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            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;" colspan="1">&#160;</td>
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<TYPE>EX-23
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      <div style="font-family: Arial, sans-serif; font-weight: bold; line-height: 13.7pt;">Consent of Independent Registered Public Accounting Firm</div>
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          <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif;">We consent to the incorporation by reference in the Registration Statement on Form S-8 (File No. 333-170651) pertaining to Southern Bank
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