EXHIBIT 10.2

                          AMENDED EMPLOYMENT AGREEMENT

            This Amended Employment Agreement ("Agreement") is made and entered
into as of this 19th day of January 2000, by and between Great Southern Bank, a
Missouri Chartered Bank and Trust Company (which, together with any Successor
there to which executes and delivers the Assumption Agreement provided for in
Section 11(2) thereof or which otherwise becomes found by the terms and
provisions of this Agreement by Operation of Law is hereinafter referred to as
the "Company"), and William V. Turner, whose residence is 772 Augusta Drive,
Springfield Missouri 65809 (the Employee).

            WHEREAS, the Board of Directors of the Company has approved and
authorized the Modification and execution of this Agreement with the Employee to
take effect on January 19, 2000;

            NOW, THEREFORE, it is AGREED as follows:

o     The Employee is currently serving as Chairman of the Board of Directors;
o     The Employee's base salary shall be $168,760 per year;
o     All references to the Resolution Trust Company and the Office of Thrift
      Supervision are deleted and replaced by Federal Deposit Insurance
      Corporation and the Division of Finance of the State of Missouri.
o     All other terms and conditions of the original Employment Agreement dated
      February 1, 1990 shall remain as written and agreed to.

            IN WITNESS WHEREOF, the parties have executed this Agreement as of
      the day and year first above written.

            THE ORIGINAL AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION
      WHICH MAY BE ENFORCED BY THE PARTIES, and continues with this AMENDMENT.

                                        By: GREAT SOUTHERN BANK


                                            /s/ Don M. Gibson
                                            ------------------------------------
                                            Don M. Gibson, Secretary


                                            EMPLOYEE:


                                            /s/ William V. Turner
                                            ------------------------------------
                                            William V. Turner