Press Release

Contact:
Brent M. Giles, President and Chief Executive Officer
Marc J. Weishaar, Chief Financial Officer and Controller
(816) 781-4822

FOR IMMEDIATE RELEASE

Date: December 17, 2003

Liberty Savings Bank, FSB Announces Regulatory Filing For
2003 Incentive Equity and Deferred Compensation Plan

Liberty, Missouri– December 17, 2003, Liberty Savings Bank, FSB (“LBTM.OB”), announced today that it has filed with the Office of Thrift Supervision an application on Form MHC-2 pursuant to the Bank’s proposed 2003 Incentive Equity and Deferred Compensation Plan. The Bank determined to make this announcement because it learned that there have been rumors suggesting that this application relates to a second step stock conversion. The Bank emphasizes that it has made no decision regarding a second step stock conversion

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