January 10, 2003


Office of Thrift Supervision
1700 G Street N.W.
Washington, D.C.  20552

Dear Sir or Madam:

We have  read item 4 of NASB Financial, Inc.'s Form 8-K/A
dated January 10, 2003, and have the following comments:

1. We agree with the statement made in the first sentence
of the first paragraph as to our dismissal and to the
statements made in the third paragraph.

2. We have no basis to agree or disagree with the
statements made in the first and second paragraphs,
other than the statement made in the first paragraph as
to our dismissal as noted in (1) above.

Yours truly,

/s/ Deloitte & Touche LLP

<Page>