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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): December 3, 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)



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

On December 3, 2001, the Registrant filed a Form 15 to terminate registration of
its common stock under the  Securities  and  Exchange Act of 1934.  Reference is
made to the Registrant's press release dated December 3, 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 December 3, 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:  December 3, 2001             By: /s/ C.R. Butler
                                        -------------------------------------
                                        C.R. Butler
                                        President and Chief
                                         Executive Officer