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MELISSA J. CARR AWARDED GRADUATE CERTIFICATE FROM HR MANAGEMENT SCHOOL/GRADUATE SCHOOL OF BANKING

 

SPRINGFIELD, MO – (September 2, 2008) – On August 22, Melissa J. Carr, Vice President and Director of Human Resources of Guaranty Bank, graduated from the Human Resource Management School offered by the Graduate School of Banking (GSB) at the University of Wisconsin-Madison.

“This one-week school is unique in the financial services industry,” said Harry J. Argue, President and CEO of the GSB. “The program presents pertinent topics related to human resources management and teaches students about the business of banking plus HR’s role in enhancing the bottom line results.”

“I am proud of Melissa’s achievement. We strongly encourage and support the continued professional development of our associates,” said Shaun Burke, President and CEO of Guaranty Bank. “Investing in our most important asset, which is our people, will always be a top priority as we continue to grow our brand.”

Carr has been with Guaranty Bank for one year and has over nine years of Human Resources- related banking experience.

 About Guaranty Federal Bancshares, Inc.

Guaranty Federal Bancshares, Inc. (NASDAQ:GFED) has a subsidiary corporation offering full banking services. The principal subsidiary, Guaranty Bank, is headquartered in Springfield, Missouri, and has nine full-service branches in Greene and Christian Counties and Loan Production Offices in Wright, Webster and Howell Counties. In addition, Guaranty Bank is a member of the TransFund ATM network which provides its customers surcharge free access to over 80 area ATMs and over 700 ATMs nationwide. For more information visit the Guaranty Bank website: www.gbankmo.com.

The discussion set forth above may contain forward-looking comments. Such comments are based upon the information currently available to management of the Company and management’s perception thereof as of the date of this release. When used in this release, words such as "anticipates," "estimates," "believes," "expects," and similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements. Such statements are subject to risks and uncertainties. Actual results of the Company’s operations could materially differ from those forward-looking comments. The differences could be caused by a number of factors or combination of factors including, but not limited to: changes in demand for banking services; changes in portfolio composition; changes in management strategy; increased competition from both bank and non-bank companies; changes in the general level of interest rates; the effect of regulatory or government legislative changes; technology changes; fluctuation in inflation; and other factors set forth in reports and other documents filed by the Company with the Securities and Exchange Commission from time to time.