Securities and Exchange Commission
                         Washington, DC  20549

                                FORM 8-K

                              CURRENT REPORT

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



                       Date of report: December 23, 2002

             Date of earliest event reported: December 20, 2002



                            NASB FINANCIAL, INC.
           (Exact Name of Registrant as Specified in Its Charter)



                                  MISSOURI
               (State or Other Jurisdiction of Incorporation)


         0-24033                                   43-1805201
 (Commission File Number)       (I. R. S, Employer Identification No.)


                          12498 South 71 Highway
                         Grandview, Missouri 64030
           (Address of Principal Executive offices)(Zip Code)



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Item 4. Changes in Registrant's Certifying Accountant

On December 20, 2002, the Board of Directors and the Audit Committee of
NASB Financial, Inc. ("NASB" or the "Company") appointed the firm of
BKD, LLP and dismissed Deloitte & Touche LLP as the Company's
independent auditors for its fiscal year ended September 30, 2003.  This
appointment will be presented to stockholders for ratification at the
Company's annual meeting on January 28, 2003.  If the stockholders do
not ratify the selection of BKD, LLP, the selection will be reconsidered
by the Board of Directors.

BKD, LLP has advised NASB that neither the firm nor any present member
or associate of the firm has any financial interest, direct or indirect,
in the Company, nor any connection with the Company, in the capacity of
promoter, underwriter, voting trustee, director, officer, or employee.

NASB's independent certified public auditors for fiscal year ended
September 30, 2002 were Deloitte & Touche LLP.  For fiscal years ended
September 30, 2002 and 2001, Deloitte & Touche LLP has issued their
unqualified opinion on the financial statements of NASB Financial, Inc.
In connection with the audits of the Company's financial statements for
each of the two fiscal years ended September 30, 2002 and 2001, there
were no disagreements with Deloitte & Touche LLP on any matter of
accounting principles or practices, financial statement disclosure, or
auditing scope and procedures, which would have caused Deloitte &
Touche LLP to make reference to the subject matter of the disagreement
in connection with its report.  The Company has requested Deloitte &
Touche LLP to furnish a letter addressed to the Office of Thrift
Supervision stating whether it agrees with the above statements.  A copy
of that letter dated December 20, 2002, is filed as Exhibit 99.77K to this
Form 8-K.

Item 7.  Financial Statements and Exhibits

(c)  Exhibits

Exhibit 99.77K - Letter from Deloitte & Touche, LLP stating that it agrees
                 with the above statements

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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.

                                           NASB FINANCIAL, INC.

December 23, 2002                     By:    /s/ Keith B. Cox
                                            Keith B. Cox
                                            President


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