CERTIFICATION FORM
          (This Signed Form Must Accompany A Signed Stock Order Form)

     I ACKNOWLEDGE THAT THE SHARES OF COMMON STOCK, $.01 PAR VALUE PER SHARE
("COMMON STOCK"), OF CBES BANCORP, INC. (THE "CORPORATION"), THE PROPOSED
HOLDING COMPANY FOR COMMUNITY BANK OF EXCELSIOR SPRINGS, A SAVINGS BANK
("COMMUNITY BANK" OR THE "BANK"), ARE NOT GUARANTEED BY THE CORPORATION,
COMMUNITY BANK OR THE FEDERAL GOVERNMENT.

     If anyone asserts that this security is federally insured or guaranteed, or
is as safe as an insured deposit, I should call the Office of Thrift Supervision
Regional Director, Frederick R. Casteel, at (214) 281-2000.

     I further certify that, before purchasing the shares of Common Stock of the
Corporation, I received a copy of the Prospectus dated August xx, 1996 which
discloses the nature of the shares of Common Stock being offered thereby, and
describes the following risks involved in an investment in the Common Stock
under the heading "Risk Factors" beginning on page xx of the Prospectus:

     1.  Increased Credit and Other Risks Associated with Construction and Land
         Lending.

     2.  Geographical Concentration of Loans.

     3.  Credit Risks and Risks to Collateral Values Associated with Automobile
         Lending.

     4.  Potential Inadequacy of Allowance for Loan Losses.

     5.  Reduced Return on Equity.

     6.  Takeover Defensive Provisions.

     7.  Interest Rate Risk Exposure.

     8.  Regulatory and Statutory Provisions.

     9.  Employment Agreements and Other Benefit Plans; Voting Control of 
         Directors and Executive Officers and Possible Dilutive Effects.

     10. Regulatory Oversight.

     11. Recapitalization of SAIF, Disparity Between BIF and SAIF Premiums.

     12. Pending Legislation Limiting Deduction of Bad Debt.

     13. Competition.

     14. Risk of Delayed Offering.

     15. Absence of Active Market for the Common Stock.

     16. Possible Consequences of Amendment to Plan of Conversion.

     For a more detailed description of the risks involved in the offering, see
"Risk Factors" at pages xx through xx of the Prospectus.

Signature:
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Signature:
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(Note:  If stock is to be held jointly, both parties must sign)
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Date:
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