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Press Release

Contact:
Marc J. Weishaar
Vice President, Chief Financial Officer
MarcW@LibertySB.com

FOR IMMEDIATE RELEASE

Date: December 19, 2003

Liberty Savings Bank, FSB
Declares Cash Dividend

Liberty, Missouri– Liberty Savings Bank, FSB, announced Friday, December 19, 2003, that its Board of Directors declared a cash dividend of $.20 per share, which will be paid on December 24, 2003, to stockholders of record (except for the Liberty Savings Mutual Holding Company) as of December 10, 2003.

Brent M. Giles, Chief Executive Officer of the Savings Bank, stated that the Board of Directors determined that the payment of a dividend was appropriate in light of the Savings Bank’s capital position. He noted that future dividends would depend upon the Savings Bank’s financial condition, earnings, equity structure, capital needs, regulatory requirements, and economic conditions.


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