UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                     FORM 15

 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(G) OF
THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
          SECTIONS 13 AND 15(D)OF THE SECURITIES EXCHANGE ACT OF 1934.

                          COMMISSION FILE NO. 000-25355

                               PFSB BANCORP, INC.
             (Exact name of registrant as specified in its charter)

       123 WEST LAFAYETTE STREET, PALMYRA, MISSOURI 63461, (573) 769-2134
    (Address, including zip code and telephone number including area code of
                    registrant's principal executive offices)

                          COMMON STOCK, PAR VALUE $0.01
            (Title of each class of securities covered by this form)

                                      NONE
  (Titles of all other classes of securities for which a duty to file reports
                     under section 13(a) or 15(d) remains)

      Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

            Rule 12g-4(a)(1)(i)  [X]       Rule 12h-3(b)(1)(i      [ ]
            Rule 12g-4(a)(1)(ii) [ ]       Rule 12h-3(b)(1)(ii)    [ ]
            Rule 12g-4(a)(2)(i)  [ ]       Rule 12h-3(b)(2)(i)     [ ]
            Rule 12g-4(a)(2)(ii) [ ]       Rule 12h-3(b)(2)(ii)    [ ]
                                           Rule 15d-6              [ ]

      Approximate number of holders of record as of the certification date: None

      Pursuant to the requirements of the Securities Exchange Act of 1934, First
Federal Bancshares, Inc. has caused this certification/notice to be signed on
its behalf by the undersigned duly authorized person.

DATE: November 25, 2002           BY: /s/ James J. Stebor
                                      ------------------------------------------
                                      James J. Stebor
                                      President and Chief Executive Officer
                                      First Federal Bancshares, Inc.
                                      as Successor by merger