EXHIBIT 10(k)



                          INTRUST FINANCIAL CORPORATION

                      NON-QUALIFIED STOCK OPTION AGREEMENT


Date of Grant:                     , 1995.


        THIS NON-QUALIFIED STOCK OPTION AGREEMENT (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  non-qualified  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  non-qualified  stock options under the Plan,  and has determined
that it would be in the best  interest  of  Company  to grant the  non-qualified
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 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 Stock
purchasable upon exercise of the Option are hereinafter sometimes referred to as
the "Option Shares."

        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 Company, 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 one (1) year 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. 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 Company, 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 Company 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 Company.

        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.

        D)   As a condition to the issuance of Option Shares, Grantee agrees to
             remit to Company at the time of any exercise of the Option an
             amount equal to any taxes required to be withheld by Company under
             federal or state law as a result of such exercise.

        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 Company, Grantee shall
deliver to Company, 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 Company, delivery of such
representation prior to the delivery of any certificate 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, or 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 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 Internal Revenue Code of 1986, as
amended, 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 at any
time (a) if the Board of  Directors  determines,  in its 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 Company; 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 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"