EXHIBIT 10(j)


                          INTRUST FINANCIAL CORPORATION

                         GRANT OF INCENTIVE STOCK OPTION


Date of Grant:                     , 1995


        THIS GRANT OF INCENTIVE STOCK OPTION (the "Agreement"),  dated as of the
date of grant first stated above (the "Date of Grant"), is delivered


        BY                                        INTRUST FINANCIAL CORPORATION,
                                                   a Kansas corporation,
                                                   hereinafter referred to as

                                   "Company,"

        TO                                         ____________________________,
                                                   an individual,
                                                   hereinafter referred to as

                                   "Grantee."


        WHEREAS,  the Board of  Directors  of Company  (the  "Board") on , 1995,
adopted,  subject to  subsequent  shareholder  approval,  the Intrust  Financial
Corporation 1995 Incentive Plan (the "Plan");

        WHEREAS,  Grantee  is an  employee  or  officer of Company or one of its
subsidiaries  (Grantee's  employer  is  sometimes  referred  to  herein  as  the
"Employer");

        WHEREAS,  the Plan provides for the granting of incentive  stock options
by a committee to be appointed by the Board (the  "Committee")  to employees and
officers of Company or any  subsidiary  of Company to  purchase,  or to exercise
certain  rights with respect to,  shares of the common stock,  no par value,  of
Company (the "Stock"), in accordance with the terms and provisions thereof; and

        WHEREAS,  the Committee considers Grantee to be a person who is eligible
for a grant of incentive  stock options under the Plan, and has determined  that
it would be in the best interest of Company to grant the incentive stock options
documented herein.

        NOW,  THEREFORE,  in  consideration of the promises and mutual covenants
herein contained, Company and Grantee hereby agree as follows:
        1. Grant of Option.  Subject to the terms and conditions hereinafter set
forth, Company, with the approval and at the direction of the Committee,  hereby
grants to  Grantee,  as of the Date of Grant,  an option to  purchase  up to ( )
shares of Stock at a purchase  price per share of one hundred  percent (100%) of
the  "Fair  Market  Value"  per  share  on the Date of  Grant.  Such  option  is
hereinafter  referred  to as  the  "Option"  and  the  shares  of  common  stock
purchasable upon exercise of the Option are hereinafter sometimes referred to as
the "Option  Shares."  The Option is  intended by the parties  hereto to be, and
shall be treated as, an incentive  stock  option (as such term is defined  under
Section 422 of the Internal Revenue Code of 1986, as amended [the "Code"]).

        2.  Vesting  of  Exercise  Rights.  Subject  to the other  terms of this
Agreement, the Option shall become exercisable in five (5) installments, Grantee
having the right  hereunder  to purchase  from Company the  following  number of
Option Shares upon exercise of the Option,  on and after the following dates, in
cumulative fashion:

        A)   On and after the first (1st) anniversary of the Date of Grant, up
             to one-fifth (1/5th) (ignoring fractional shares) of the total
             number of Option Shares;

        B)   On and after the second (2nd) anniversary of the Date of Grant, up
             to an additional one-fifth (1/5th) (ignoring fractional shares) of
             the total number of Option Shares;

        C)   On and after the third (3rd) anniversary of the Date of Grant, up
             to an additional one-fifth (1/5th) (ignoring fractional shares) of
             the total number of Option Shares;

        D)   On and after the fourth (4th) anniversary of the Date of Grant, up
             to an additional one-fifth (1/5th) (ignoring fractional shares) of
             the total number of Option Shares; and

        E)   On and after the fifth (5th) anniversary of the Date of Grant, the
             remaining Option Shares.

        3.     Termination of Option.

        A)   The Option and all rights hereunder with respect thereto, to the
             extent such rights shall not have been exercised, shall terminate
             and become null and void after the expiration of ten (10) years
             from the Date of Grant (the "Option Term").

        B)   Upon the occurrence of Grantee's ceasing for any reason to be
             employed by the Employer, the Option, to the extent not previously
             exercised, shall terminate and become null and void immediately
             upon such termination of Grantee's employment, except in a case
             where the termination of Grantee's employment is by reason of
             retirement, disability or death. Upon a termination of Grantee's
             employment by reason of retirement, disability or death, the Option
             may be exercised during the following periods, but only to the
             extent that the Option was outstanding and exercisable on any such
             date of retirement, disability or death: (i) the one (1) year
             period following the date of such termination of Grantee's
             employment in the case of a disability (within the meaning of
             Section 22(e)(3) of the Code), (ii) the six (6) month period
             following the date of issuance of letters testamentary or letters
             of administration to the executor or administrator of Grantee's
             estate, in the case of Grantee's death during his or her employment
             by the Employer, but not later than one (1) year after Grantee's
             death, and (iii) the three (3) month period following the date of
             such termination in the case of retirement on or after attainment
             of age sixty-five (65), or in the case of disability other than as
             described in (i) above. In no event, however, shall any such period
             extend beyond the Option Term.

        C)   In the event of the death of Grantee, the Option may be exercised
             by Grantee's legal representative, but only to the extent that the
             Option would otherwise have been exercisable by Grantee.

        D)   A transfer of Grantee's employment between Company and any
             subsidiary of Company, or between any subsidiaries of Company,
             shall not be deemed to be a termination of Grantee's employment.

        E)   Notwithstanding anything to the contrary set forth herein or in the
             Plan, in the event Grantee shall (i) commit any act of malfeasance
             or wrongdoing affecting Company or any subsidiary of Company, (ii)
             breach any covenant not to compete, or employment contract, with
             Company or any subsidiary of Company, or (iii) engage in conduct
             that would warrant Grantee's discharge for cause (excluding general
             dissatisfaction with the performance of Grantee's duties, but
             including any act of disloyalty or any conduct clearly tending to
             bring discredit upon Company or any subsidiary of Company), any
             unexercised portion of the Option shall immediately terminate and
             be null and void.

        F)   Notwithstanding anything to the contrary set forth herein or in the
             Plan, the effectiveness of the Grant of the Option is subject to
             Company timely obtaining shareholder approval of the Plan as
             required by the Code. In the event such shareholder approval is not
             obtained within twelve (12) months of the Date of Grant, then the
             Option and all rights hereunder with respect thereto shall
             immediately terminate and become null and void.

        4.     Exercise of Options.

        A)   Grantee may exercise the Option with respect to all or any part of
             the number of Option Shares then exercisable hereunder by giving
             the Secretary of Company at Company's principal executive office
             written notice delivered in person or by mail of Grantee's
             intention to exercise. The notice of the exercise shall specify the
             number of Option Shares as to which the Option is to be exercised
             and the date of exercise thereof, which date shall be at least five
             (5) days after the giving of the notice unless an earlier time
             shall have been mutually agreed upon.

        B)   Full payment (in U.S. dollars) by Grantee of the option price for
             the Option Shares purchased shall be made on or before the exercise
             date specified in the notice of exercise in cash, or, with the
             prior written consent of the Committee, in whole or in part through
             the surrender of previously acquired shares of Stock at their Fair
             Market Value on the exercise date. On the exercise date specified
             in Grantee's notice or as soon thereafter as is practicable, a
             certificate or certificates for the Option Shares then being
             purchased shall be issued to Grantee upon full payment of the
             exercise price for such Option Shares. The obligation of Company to
             deliver Stock shall, however, be subject to the condition that if
             at any time the Committee shall determine in its sole discretion
             that the listing, registration or qualification of the Option or
             the Option Shares upon any securities exchange or under any state
             or federal law, or the consent or approval of any governmental
             regulatory body, is necessary or desirable as a condition of, or a
             connection with, the Option or the issuance or purchase of Stock
             thereunder, the Option may not be exercised in whole or in part
             unless such listing, registration, qualification, consent or
             approval shall have been effected or obtained free of any
             conditions not acceptable to the Committee.

        C)   If Grantee fails to timely pay for any of the Option Shares
             specified in the notice or fails to accept delivery thereof,
             Grantee's right to purchase the Option Shares may be terminated by
             Company.

        5.  Adjustment of Option  Shares and Option  Price.  In the event of any
stock  dividend or  subdivision  of the shares of common stock of Company into a
greater number of shares,  the purchase price hereunder shall be proportionately
reduced and the number of shares subject to the Option shall be  proportionately
increased; conversely, in the event of any combination of the outstanding shares
of  common  stock  of  Company,   the   purchase   price   hereunder   shall  be
proportionately  increased  and the  number of shares  of Stock  subject  to the
Option shall be proportionately reduced.

        6. Effect of Change in Control.  Notwithstanding  anything  contained in
this  Agreement  to the  contrary,  in the event of a Change in Control (as such
term is defined under the Plan),  the Option shall become  immediately and fully
exercisable and Grantee will be permitted to surrender for  cancellation  within
sixty  (60) days  after  such  Change in  Control,  the Option or portion of the
Option to the extent not yet exercised and Grantee will be entitled to receive a
cash  payment  in an amount  equal to the  excess,  if any,  over the  aggregate
purchase  price for such Shares under the Option,  of the Fair Market Value,  at
the time of surrender,  of the Shares  subject to the Option or portion  thereof
surrendered.

        7.  Investment  Representation.  Upon demand by the  Committee,  Grantee
shall  deliver to the  Committee,  at the time of any  exercise of the Option or
portion  thereof,  a written  representation  that the Stock to be acquired upon
such exercise is to be acquired for investment and not for resale or with a view
to the distribution thereof. Upon such demand by the Committee, delivery of such
representation prior to the delivery of any certificates  representing the Stock
issuable upon  exercise of the Option and prior to the  expiration of the Option
Term shall be a  condition  precedent  to the right of Grantee to  purchase  any
shares of Stock.

        8.  Rights  as  a   Shareholder.   Neither   Grantee  nor  any  personal
representative  shall be, nor shall have any of the rights and  privileges of, a
shareholder  of  Company  with  respect to any  shares of Stock  purchasable  or
issuable upon the exercise of the Option,  in whole or in part, unless and until
(i) the Option shall have been  exercised  pursuant to the terms  thereof,  (ii)
Company shall have issued and delivered a certificate  evidencing  the shares of
Stock to  Grantee,  and  (iii)  Grantee's  name  shall  have been  entered  as a
stockholder  of  record  on the  books  of  Company.  Thereupon,  Grantee  shall
thereafter have full voting, dividend and other ownership rights with respect to
such shares.

        9.  Non-Transferability of Option. During Grantee's lifetime, the Option
shall be exercisable only by Grantee or any guardian or legal  representative of
Grantee, and the Option shall not be transferrable otherwise than by will or the
laws of descent and distribution (but shall be exercisable by Grantee's executor
or  administrator  pursuant to Paragraph 3(B) hereof) or pursuant to a qualified
domestic relations order as defined by the Code, nor shall the Option be subject
to  attachment,  execution  or other  similar  process.  In the event of (a) any
attempt by Grantee to alienate, assign, pledge, hypothecate or otherwise dispose
of the Option, except as provided for herein, or (b) the levy of any attachment,
execution or similar process upon the rights or interests hereby conferred, then
Company  may  terminate  the  Option by notice to Grantee  and the Option  shall
thereupon become null and void.

        10. No Right to Continued Employment. Neither the granting of the Option
nor its  exercise  shall not be  construed  as  granting to Grantee any right to
continuing  employment  by  Company.  Except as may  otherwise  be  limited by a
written agreement between Company and Grantee, the right of Company to terminate
at will  Grantee's  employment  with Company at any time  (whether by dismissal,
discharge,  retirement or otherwise) is  specifically  reserved by Company,  and
acknowledged by Grantee.

        11. Disposition of Shares. No share of Stock acquired by the exercise of
the Option shall be  transferable,  other than by will or by the laws of descent
and  distribution,  within  two (2) years of the Date of Grant or within one (1)
year after the  transfer of shares  pursuant  to  exercise  of the Option.  Each
certificate  representing shares of Stock acquired by the exercise of the Option
shall bear a legend to that effect. Grantee hereby further acknowledges that the
transfer of the shares of Stock  acquired  by the  exercise of the Option may be
limited by Rule 144 of the General Rules and Regulations  promulgated  under the
Securities Act of 1933, as amended.

        12.  Amendment of Option.  The Option may be amended by the Board or the
Committee  at any time (a) if the Board or the  Committee  determines,  in their
sole  discretion,  that  amendment  is  necessary  or  advisable in light of any
addition to or change in the Code, or in the regulations issued  thereunder,  or
any federal or state  securities  law or other law or  regulation,  which change
occurs  after the Date of Grant and by its terms  applies  to the  Option or (b)
other than in the  circumstances  described  in clause (a),  with the consent of
Grantee.

        13. Fair Market Value.  For purposes of this  Agreement,  the term "Fair
Market  Value" of a share of Stock shall mean the Fair Market Value of the Stock
as determined in good faith by the Committee; provided, however, that (a) if the
Stock is  admitted  to trading on a national  securities  exchange,  Fair Market
Value on any date  shall be the last sale price  reported  for the Stock on such
exchange on such date or, if no sale was reported on such date, on the last date
preceding such date on which a sale was reported (b) if the Stock is admitted to
quotation on the National  Association of Securities Dealers Automated Quotation
System  ("NASDAQ") and has been  designated as a National  Market System ("NMS")
security,  Fair Market  Value on any date shall be the last sale price  reported
for the Stock on such  system on such date or, if no sale was  reported  on such
date, on the last day preceding  such date on which a sale was reported,  or (c)
if the Stock is admitted to  quotation  on NASDAQ and has not been  designated a
NMS security or is listed on another  comparable  quotation system,  Fair Market
Value on any date shall be the  average  of the  highest  bid and  lowest  asked
prices  of the  shares  of Stock on such  system on such date or, if no sale was
reported on such date, on the last day  preceding  such date on which a sale was
reported.

        14.  Incorporation of Plan by Reference.  The Option is granted pursuant
to the  terms of the  Plan,  the  terms  of which  are  incorporated  herein  by
reference,  and the Option shall in all respects be  interpreted  in  accordance
with the Plan.  The  Committee  shall  interpret  and construe the Plan and this
Agreement,  and its interpretations  and determinations  shall be conclusive and
binding  on the  parties  hereto  and any  other  person  claiming  an  interest
hereunder, with respect to any issue arising hereunder or thereunder.


        IN WITNESS WHEREOF,  Company and Grantee have executed this Agreement in
a manner appropriate to each as of the day and year first above written.


                                                   INTRUST FINANCIAL CORPORATION


                                                   By

                                                   Title:

                                                  "Company"


                                                   ACCEPTED AND AGREED TO:



                                                   (Signature)


                                                   (Print Name)

                                                   "Grantee"