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                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C.  20549


                                  FORM 8-K


                                CURRENT REPORT


                      Pursuant to Section 13 or 15(d) of
                      the Securities Exchange Act of 1934



Date of Report (Date of earliest event reported): February 8, 2001



                                  NS&L Bancorp, Inc.
                        ------------------------------------
                 (Exact name of registrant as specified in charter)



        Missouri                      0-25814                  43-1709446
- ----------------------------        -------------           ------------------
(State or other jurisdiction        (Commission File        (I.R.S. Employer
     of incorporation)              Number)                 Identification No.)



111 East Main Street, Neosho, Missouri                              64850
- -----------------------------------------                         ----------
(Address of principal executive offices)                          (Zip Code)

Registrant's telephone number, including area code:  (417) 451-0429
                                                     --------------



                                   Not Applicable
                                   --------------
            (Former name or former address, if changed since last report)







Item 5.     Other Events
            ------------

      On February 8, 2001, the  Registrant  announced that its common stock will
be quoted on the OTC-Bulletin  Board beginning on February 15, 2001. The Company
will  terminate  its  listing  on the  Nasdaq  SmallCap  Market  that  same day.
Reference is made to the  Registrant's  press  release  dated  February 8, 2001,
which is attached hereto as Exhibit 99 and incorporated herein by reference.

Item  7.    Financial Statements, Pro Forma Financial Information and Exhibits
            ------------------------------------------------------------------

      Exhibit 99 Registrant's Press release dated February 8, 2001.



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                                  SIGNATURES

      Pursuant to the  requirements of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, hereunto duly authorized.

                                    NS&L BANCORP, INC.




Date: February 8, 2001              By: /s/ C.R. Butler
                                        ---------------------
                                        C.R. Butler
                                        President and Chief
                                         Executive Officer