[X]    QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES           EXCHANGE ACT OF 1934

[   ]    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES           EXCHANGE ACT OF 1934

For the transition period from __________________ to __________________



**CAPITOL FEDERAL FINANCIAL**

---

|United States(State or other jurisdiction of incorporationor organization) |  | 48-1212142(I.R.S. Employer
Identification No.)
|-------------------------------------------------------------------------- |  | ----------------------------------------------

|700 Kansas Avenue, Topeka, Kansas(Address of principal executive offices) |  | 66603(Zip Code)
|------------------------------------------------------------------------- |  | ---------------



Indicate by check mark whether the issuer (1) has filed all reports required to be filed by Section
13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months  (or for such shorter
period that the issuer was  required to  file such  reports), and (2) has been subject to such filing
requirements for the past 90 days.    Yes [X]    No [   ]

Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of
the latest practicable date.

|Common StockClass |  | 80,378,832Shares Outstandingas of May 15, 2001
|----------------- |  | ----------------------------------------------



|****PART I -- FINANCIAL INFORMATION                                                                                            | PageNumber
|------------------------------------------------------------------------------------------------------------------------------ | ----------
|Item 1.       Financial Statements                                                                                             |           
|Consolidated Balance Sheets at March 31, 2001 and September 30, 2000                                                           | 3         
|Consolidated Statements of Income for the three and six months ended          
              March 31, 2001 and March 31, 2000 | 4         
|Consolidated Statement of Stockholders' Equity for the six months ended         
               March 31, 2001                 | 5         
|Consolidated Statements of Cash Flows for the six months ended          
              March 31, 2001 and March 31, 2000       | 6         
|Notes to Consolidated Interim Financial Statements                                                                             | 8         
|Item 2.      Management's Discussion and Analysis of Financial Condition and Results of                  
      Operations     | 13        
|Item 3.      Quantitative and Qualitative Disclosures about Market Risk                                                        | 16        
|                                                                                                                               |           
|**PART II -- OTHER INFORMATION**                                                                                               |           
|Item 1.       Legal Proceedings                                                                                                | 17        
|Item 2.       Changes in Securities and Use of Proceeds                                                                        | 17        
|Item 3.       Defaults Upon Senior Securities                                                                                  | 17        
|Item 4.       Submission of Matters to a Vote of Security Holders                                                              | 17        
|Item 5.       Other Information                                                                                                | 17        
|Item 6.       Exhibits and Reports on Form 8-K                                                                                 | 17        
|                                                                                                                               |           
|Signature Page                                                                                                                 | 18        

PART 1 -- FINANCIAL INFORMATION

CAPITOL FEDERAL FINANCIAL AND SUBSIDIARYCONSOLIDATED BALANCE SHEETS(dollars in thousands)

|                                                                                                                                      | March 31,   |  | September 30,
|------------------------------------------------------------------------------------------------------------------------------------- | ----------- |  | -------------
|                                                                                                                                      | 2001        |  | 2000         
|                                                                                                                                      | (Unaudited) |  |              
|ASSETS:                                                                                                                               |             |  |              
|Cash and cash equivalents                                                                                                             | $   243,941 |  | $   133,034  
|Investment securities held to maturity (market value of $0 and $14,808)                                                               | --          |  | 15,100       
|                                                                                                                                      |             |  |              
|Capital stock of Federal Home Loan Bank                                                                                               | 161,250     |  | 161,250      
|Mortgage-related securities:                                                                                                          |             |  |              
|Available-for-sale (amortized cost of $720,373 and $851,374)                                                                          | 733,517     |  | 850,892      
|Held-to-maturity (market value of $1,678,316 and $1,539,247)                                                                          | 1,650,409   |  | 1,561,251    
|Loans held for sale, net                                                                                                              | 20,098      |  | 25,742       
|Loans receivable, net                                                                                                                 | 5,507,946   |  | 5,442,445    
|Premises and equipment                                                                                                                | 23,687      |  | 24,076       
|Real estate owned, net                                                                                                                | 1,126       |  | 1,094        
|Accrued interest receivable                                                                                                           | 42,167      |  | 43,397       
|Other assets                                                                                                                          | 4,728       |  | 6,938        
|TOTAL ASSETS                                                                                                                          | $8,388,869  |  | $8,265,219   
|LIABILITIES AND STOCKHOLDERS' EQUITY:                                                                                                 |             |  |              
|Deposits                                                                                                                              | $4,092,805  |  | $3,956,329   
|Advances from Federal Home Loan Bank                                                                                                  | 3,200,000   |  | 3,225,000    
|Advance payments by borrowers for taxes and insurance                                                                                 | 30,569      |  | 38,411       
|Accrued and deferred income taxes payable                                                                                             | 20,970      |  | 17,527       
|Accounts payable and accrued expenses payable                                                                                         | 33,264      |  | 41,745       
|Total Liabilities                                                                                                                     | 7,377,608   |  | 7,279,012    
|COMMITMENTS AND CONTINGENCIES (NOTE 9)                                                                                                |             |  |              
|                                                                                                                                      |             |  |              
|STOCKHOLDERS' EQUITY:                                                                                                                 |             |  |              
|Preferred stock ($0.01 par value) 50,000,000 shares                                                                                   |             |  |              
|authorized; none issued                                                                                                               | --          |  | --           
|Common stock ($0.01 par value) 450,000,000 authorized; 91,512,287                                                                     |             |  |              
|shares issued as of March 31, 2001 and September 30, 2000                                                                             | 915         |  | 915          
|Additional paid in capital                                                                                                            | 386,392     |  | 385,076      
|Retained earnings                                                                                                                     | 778,475     |  | 745,598      
|Accumulated other comprehensive income (loss)                                                                                         | 8,346       |  | (300)        
|Unearned compensation, Employee Stock Ownership Plan                                                                                  | (25,205)    |  | (26,214)     
|Unearned compensation, Recognition and Retention Plan                                                                                 | (7,345)     |  | (8,485)      
|Less shares held in treasury: 11,143,055 shares at cost as of  March 31, 2001 and 9,830,155 shares at cost as of   September 30, 2000 | (130,317)   |  | (110,383)    
|Total Stockholders' Equity                                                                                                            | 1,011,261   |  | 986,207      
|TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                            | $8,388,869  |  | $8,265,219   

See accompanying notes to consolidated interim financial statements.



|                                                   |                                     |                                   |            |         
|-------------------------------------------------- | ----------------------------------- | --------------------------------- | ---------- | --------
|                                                   | For the Three Months EndedMarch 31, | For the Six Months EndedMarch 31,
|                                                   | 2001                                | 2000                              | 2001       | 2000    
|INTEREST AND DIVIDEND INCOME:                      |                                     |                                  
|Loans receivable                                   | $101,829                            | $  82,324                         | $  201,676 | $161,304
|Mortgage-related securities                        | 36,709                              | 38,708                            | 77,430     | 71,675  
|Investment securities                              | 171                                 | 230                               | 401        | 470     
|Cash and cash equivalents                          | 3,311                               | 893                               | 5,296      | 1,316   
|Capital stock of Federal Home Loan Bank            | 2,982                               | 1,722                             | 6,529      | 3,089   
|Total interest and dividend income                 | 145,002                             | 123,877                           | 291,332    | 237,854 
|INTEREST EXPENSE:                                  |                                     |                                   |           
|Deposits                                           | 53,257                              | 50,175                            | 107,380    | 99,909  
|Borrowings                                         | 49,084                              | 31,997                            | 99,612     | 55,418  
|Total interest expense                             | 102,341                             | 82,172                            | 206,992    | 155,327 
|Net interest and dividend income                   | 42,661                              | 41,705                            | 84,340     | 82,527  
|Provision for loan losses                          | --                                  | 250                               | --         | 494     
|Net interest and dividend income after             |                                     |                                  
|provision for loan losses                          | 42,661                              | 41,455                            | 84,340     | 82,033  
|OTHER INCOME:                                      |                                     |                                  
|Automated teller and debit card transaction   fees | 1,320                               | 1,188                             | 2,668      | 2,439   
|Checking account transaction fees                  | 754                                 | 735                               | 1,601      | 1,536   
|Loan fees                                          | 456                                 | 397                               | 1,166      | 809     
|Insurance commissions                              | 535                                 | 469                               | 1,084      | 896     
|Other, net                                         | 769                                 | 655                               | 1,496      | 1,179   
|Total other income                                 | 3,834                               | 3,444                             | 8,015      | 6,859   
|OTHER EXPENSES:                                    |                                     |                                  
|Salaries and employee benefits                     | 8,825                               | 8,063                             | 17,856     | 16,292  
|Occupancy of premises                              | 2,287                               | 2,278                             | 4,704      | 4,893   
|Office supplies and related expenses               | 912                                 | 722                               | 1,666      | 1,553   
|Deposit and loan transaction fees                  | 1,019                               | 943                               | 1,955      | 1,857   
|Advertising                                        | 720                                 | 720                               | 1,216      | 1,193   
|Federal insurance premium                          | 195                                 | 211                               | 397        | 807     
|Other, net                                         | 1,286                               | 1,352                             | 2,525      | 2,571   
|Total other expenses                               | 15,244                              | 14,289                            | 30,319     | 29,166  
|Income before income tax expense                   | 31,251                              | 30,610                            | 62,036     | 59,726  
|Income tax expense                                 | 11,323                              | 11,555                            | 22,643     | 22,547  
|NET INCOME                                         | $19,928                             | $19,055                           | $39,393    | $37,179 

See accompanying notes to consolidated interim financial statements.



|                                                                                |        |            |          | Accumulated   |              |              |            |           
|------------------------------------------------------------------------------- | ------ | ---------- | -------- | ------------- | ------------ | ------------ | ---------- | ----------
|                                                                                |        | Additional |          | Other         | Unearned     | Unearned     |            |           
|                                                                                | Common | Paid-In    | Retained | Comprehensive | Compensation | Compensation | Treasury   |           
|                                                                                | Stock  | Capital    | Earnings | Income (Loss) | (RRP)        | (ESOP)       | Stock      | Total     
|                                                                                |        |            |          |               |              |              |            |           
|Balance at October 1, 2000                                                      | $915   | $385,076   | $745,598 | ($300)        | ($8,485)     | ($26,214)    | ($110,383) | $986,207  
|Comprehensive Income:                                                           |        |            |          |               |              |              |            |           
|Net incom
e                                                                     |        |            | 39,393   |               |              |              |            | 39,393    
|Change in Unrealized Gain on Available          for Sale Securities, net of tax |        |            |          | 8,646         |              |              |            | 8,646     
|Total Comprehensive income                                                      |        |            |          |               |              |              |            | 48,039    
|                                                                                |        |            |          |               |              |              |            |           
|Repurchase of common stock, at cost                                             |        |            |          |               |              |              | (20,595)   | (20,595)  
|Change in employee stock ownership plan                                         |        | 552        |          |               |              | 1,009        |            | 1,561     
|Change in Recognition and Retention Plan                                        |        | 36         | 9        |               | 1,140        |              | 21         | 1,206     
|Stock options exercised                                                         |        | (72)       |          |               |              |              | 640        | 568       
|Tax effect of dividend on unallocated ESOP
   shares                            |        | 800        |          |               |              |              |            | 800       
|Dividends on common stock to stockholders
   ($0.26 per share)                  |        |            | (6,525)  |               |              |              |            | (6,525)   
|                                                                                |        |            |          |               |              |              |            |           
|Balance at March 31, 2001                                                       | $915   | $386,392   | $778,475 | $8,346        | ($7,345)     | ($25,205)    | ($130,317) | $1,011,261
|                                                                                |        |            |          |               |              |              |            |           

See accompanying notes to consolidated interim financial statements.



CAPITOL FEDERAL FINANCIAL AND SUBSIDIARYCONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited)(dollars in thousands)

|                                                                                                                            | For the Six Months EndedMarch 31, |          
|--------------------------------------------------------------------------------------------------------------------------- | --------------------------------- | ---------
|                                                                                                                            | 2001                              | 2000     
|CASH FLOWS FROM OPERATING ACTIVITIES:                                                                                       |                                   |          
|Net income                                                                                                                  | $39,393                           | $37,179  
|Adjustments to reconcile net income to net cash provided  by operating activities:                                          |                                   |          
|Federal Home Loan Bank stock dividends                                                                                      | --                                | (1,367)  
|Amortization of net deferred loan origination fees                                                                          | (2,361)                           | (16)     
|Provision for loan losses                                                                                                   | --                                | 494      
|Net loan origination fees capitalized                                                                                       | 2,833                             | 1,876    
|Gain on the sale of loans held for sale                                                                                     | (6)                               | --       
|Gain on sales of real estate owned, net                                                                                     | (109)                             | (106)    
|Originations of loans held for sale                                                                                         | (5,349)                           | (2,602)  
|Proceeds from sales of loans held for sale                                                                                  | 12,196                            | --       
|Amortization and accretion of premiums and discounts on 
  mortgage-related securities and investment securities            | 2,806                             | 194      
|Depreciation and amortization on premises and equipment                                                                     | 1,716                             | 2,034    
|Increase (decrease) in fair market value of Employee Stock Ownership 
  Plan shares committed to be released for allocation | 552                               | (30)     
|Common stock committed to be released for allocation - ESOP                                                                 | 1,009                             | 990      
|Amortization of unearned compensation - RRP                                                                                 | 1,207                             | --       
|Changes in:                                                                                                                 |                                   |          
|Accrued interest receivable                                                                                                 | 1,230                             | (5,570)  
|Other assets                                                                                                                | 2,210                             | 405      
|Income taxes payable                                                                                                        | 495                               | 2,971    
|Accounts payable and accrued expenses                                                                                       | (9,696)                           | 3,282    
|Net cash provided by operating activities                                                                                   | 48,126                            | 39,734   
|CASH FLOWS FROM INVESTING ACTIVITIES:                                                                                       |                                   |          
|Proceeds from maturities of investment securities                                                                           | 15,100                            | --       
|Purchases of investment securities                                                                                          | --                                | (50,797) 
|Principal collected on mortgage-related securities available-
   for-sale                                                   | 126,829                           | 139,382  
|Principal collected on mortgage-related securities held-to-
   maturity                                                     | 162,338                           | 72,836   
|Purchases of mortgage-related securities held-to-maturity                                                                   | (250,131)                         | (731,001)
|Loan originations net of principal collected on loans
   receivable                                                         | (2,307)                           | (180,095)
|Purchases of loans receivable                                                                                               | (66,039)                          | (236,673)
|Purchases of premises and equipment, net                                                                                    | (1,327)                           | (2,499)  
|Proceeds from sales of real estate owned                                                                                    | 1,237                             | 1,866    
|Net cash provided by (used in) investing activities                                                                         | (14,300)                          | (986,981)

|CASH FLOWS FROM FINANCING ACTIVITIES:                                     |          |          
|------------------------------------------------------------------------- | -------- | ---------
|Dividends paid                                                            | (6,525)  | (7,288)  
|Deposits, net of payments                                                 | 136,476  | 79,770   
|Proceeds from advances from Federal Home Loan Bank                        | --       | 1,598,000
|Repayments on advances from Federal Home Loan Bank                        | (25,000) | (568,000)
|Payments for the repurchase of common stock                               | (20,595) | (57,963) 
|Stock options exercised                                                   | 567      | --       
|Change in advance payments by borrowers for taxes and   insurance         | (7,842)  | (8,198)  
|Net cash provided by (used in) financing activities                       | 77,081   | 1,036,321
|NET INCREASE IN CASH AND CASH EQUIVALENTS                                 | 110,907  | 89,074   
|CASH AND CASH EQUIVALENTS:                                                |          |          
|Beginning of Period                                                       | 133,034  | 22,275   
|End of Period                                                             | $243,941 | $111,349 
|SUPPLEMENTAL SCHEDULE OF NON-CASH
  INVESTING AND FINANCING TRANSACTIONS: |          |          
|Loans transferred to real estate owned                                    | $1,176   | $1,657   
|Treasury stock issued to RRP, net of forfeited shares                     | $21      | --       
|                                                                          |          |          

See accompanying notes to consolidated interim financial statements.

**Notes to Consolidated Interim Financial Statements**

**1.       Basis of Financial Statement Presentation and Significant Accounting Policies**
The accompanying consolidated financial statements of Capitol Federal Financial and subsidiaries have
been prepared in accordance with the instructions to Form 10-Q and do not include all of the information
and footnotes required by generally accepted accounting principles for complete financial statements.  In the
opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary
for a fair presentation have been included.  These statements should be read in conjunction with the
consolidated financial statements and notes thereto included in the Company's 2000 Annual Report on Form
10-K to the Securities and Exchange Commission.  Interim results are not necessarily indicative of results
for a full year.

In preparing the financial statements, management is required to make estimates and assumptions that affect
the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses
for the period.  Material estimates that are particularly susceptible to significant change in the near-term
relate to the determination of the allowances for losses on loans and real estate owned.  While management
believes that these allowances are adequate, future additions to the allowances may be necessary based on
changes in economic conditions.

All amounts in thousands except per share data, unless otherwise indicated.

**2.       Loan Portfolio**
The following table presents the Company's loan portfolio at the dates indicated.

|                             | March 31, 2001 | September 30, 2000
|---------------------------- | -------------- | ------------------
|                             | Amount         | Percent           
|Real Estate Loans:           |                |                   
|One- to four-family          | $5,266,454     | 94.92%            
|Multi-family                 | 48,462         | 0.87              
|Commercial                   | 8,391          | 0.15              
|Construction and development | 47,736         | 0.86              
|Total real estate loans      | 5,371,043      | 96.80             
|Consumer loans:              |                |                   
|Savings loans                | 14,591         | 0.26              
|Home improvement             | 2,291          | 0.04              
|Automobile                   | 11,452         | 0.21              
|Home equity                  | 147,661        | 2.66              
|Other                        | 1,429          | 0.03              
|Total consumer loans         | 177,424        | 3.20              
|Total loans receivable       | 5,548,467      | 100.00%           
|Less:                        |                |                   
|Loans in process             | 19,929         |                   
|Deferred fees and discounts  | 15,770         |                   
|Allowance for losses         | 4,822          |                   
|Total loans receivable, net  | $5,507,946     |                   

**3.       Non-Performing Loans**
The following table presents the Company's non-performing loans, including non-accrual loans
and real estate owned, at the dates indicated.

|                                             | March 31,2001 | September 30,2000
|-------------------------------------------- | ------------- | -----------------
|Non-accruing loans:                          |               |                  
|One- to four-family                          | $4,076        | $3,321           
|Multi-family                                 | --            | --               
|Commercial real estate                       | --            | --               
|Construction or development                  | --            | --               
|Consumer                                     | 197           | 134              
|Total                                        | $4,273        | $3,455           
|Accruing loans delinquent more than 90 days: |               |                  
|One- to four-family                          | --            | --               
|Multi-family                                 | --            | --               
|Commercial real estate                       | --            | --               
|Construction or development                  | --            | --               
|Consumer                                     | --            | --               
|Total                                        | --            | --               
|Real Estate Owned:                           |               |                  
|One- to four-family                          | $1,126        | $1,094           
|Multi-family                                 | --            | --               
|Commercial real estate                       | --            | --               
|Construction or development                  | --            | --               
|Consumer                                     | --            | --               
|Total                                        | $1,126        | $1,094           
|Total non-performing assets                  | $5,399        | $4,549           
|Total as a percentage of total assets        | 0.06%         | 0.06%            

**4.       Allowance for Loan Losses**The following table presents the Company's activity for loan losses at the dates and for the periods
indicated.

|                                   | For the quarter endingMarch 31, | For the six months endingMarch 31,
|---------------------------------- | ------------------------------- | ----------------------------------
|                                   | 2001                            | 2000                              
|                                   |                                 |                                   
|Balance at the beginning of period | $4,579                          | $4,617                            
|Charge offs:                       |                                 |                                   
|One- to four-family                | --                              | --                                
|Multi-family                       | --                              | --                                
|Commercial real estate             | --                              | --                                
|Construction or development        | --                              | --                                
|Consumer                           | 7                               | 2                                 
|Total charge-offs                  | 7                               | 2                                 
|Recoveries:                        |                                 |                                   
|One- to four-family                | --                              | --                                
|Multi-family                       | 250                             | --                                
|Commercial real estate             | --                              | --                                
|Construction or development        | --                              | --                                
|Consumer                           | --                              | 1                                 
|Total recoveries                   | 250                             | 1                                 
|Net charge-offs                    | (243)                           | 1                                 
|Additions charged to operations    | --                              | 250                               
|Balance at end of period           | $4,822                          | $4,866                            

**5.       Deposits**The table below presents the Company's savings portfolio at the dates indicated.

|                      | March 31, 2001 | September 30, 2000
|--------------------- | -------------- | ------------------
|                      | Amount         | % ofTotal         
|Demand deposits       | $      323,962 | 7.92%             
|Passbook and passcard | 100,230        | 2.45              
|Money market          | 582,568        | 14.23             
|Certificates          | 3,086,045      | 75.40             
|Total deposits        | $4,092,805     | 100.00%           

**6.       Earnings Per Share**Earnings per share for the quarter ended March 31, 2001 were $0.26 per share and $0.51 per share year-to-date. The Company
accounts for the 3,024,574 shares acquired by its ESOP in accordance with SOP 93-6 and the shares
acquired for its Recognition and Retention Plan in a manner similar to the ESOP shares; shares acquired
by the ESOP and the Recognition and Retention Plan are not considered in the basic average shares
outstanding until the shares are committed for allocation or vested to an employee's individual account.
The following is a reconciliation of the numerators and denominators of the basic and diluted earnings
per share calculations.

|                                                           | Three Months Ended
March 31 | Six Months Ended
March 31
|---------------------------------------------------------- | --------------------------- | -------------------------
|                                                           | 2001                        | 2000                     
|Net Income                                                 | $19,928                     | $19,055                  
|Average common shares outstanding                          | 76,495,744                  | 84,458,128               
|Average allocated ESOP shares outstanding                  | 454,246                     | 252,602                  
|Total basic average common shares   
outstanding           | 76,949,990                  | 84,710,730               
|Effect of dilutive Recognition and Retention   Plan shares | 551,052                     | --                       
|Effect of dilutive stock options                           | 1,294,570                   | --                       
|Total diluted average common shares   outstanding          | 78,795,612                  | 84,710,730               
|Net earnings per share                                     |                             |                          
|Basic                                                      | $0.26                       | $0.22                    
|Diluted                                                    | $0.25                       | $0.22                    
|                                                           |                             |                          

**7.       Equity**
Stockholders' equity totaled $1.01 billion at March 31, 2001 compared to $986.2 million at September 30,
2000.  The Company declared a $0.15 per share dividend on April 18, 2001 to holders of record on May 4,
2001, payable on May 18, 2001.  During the quarter ended March 31, 2001 the Company purchased 246,500
shares of its publicly traded stock in the open market at an average cost of $16.07 per share.  The total
number of treasury shares at March 31, 2001 was 11,143,055 with 80,369,232 shares outstanding.  At March
31, 2001, book value per share was $13.16 compared to $12.64 book value per share at September 30, 2000.

**8.       Comprehensive Income**
The only component of other comprehensive income is the change in the estimated fair value of mortgage-related securities available-for-sale which was $4.3 million for the three months ended March 31, 2001 and $8.6
million for the six months ended March 31, 2001.

**9.       Commitments and Contingencies**
In the normal course of business, the Company and its Subsidiaries are named defendants in various
lawsuits and counter claims.  In the opinion of management, after consultation with legal counsel, none
of the suits will have a materially adverse effect on the Company's consolidated financial statements for
either the current interim period or fiscal year ending September 30, 2001.

**Item 2.	       Management's Discussion and Analysis of Financial Condition and Results of Operations**

Except for the historical information contained in this filing, the matters discussed may be deemed to be
forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995,
that involve risks and uncertainties, including changes in economic conditions in the Company's market
area, changes in policies by regulatory agencies, fluctuations in interest rates, demand for loans in the
Company's market area, competition, and other risks detailed from time to time in the Company's SEC
reports.  Actual strategies and results in future periods may differ materially from those currently
expected.  These forward-looking statements represent the Company's judgment as of the date of this
filing.  The Company disclaims, however, any intent or obligation to update these forward-looking
statements.

The following discussion is intended to assist in understanding the financial condition and results of operations of the Company.  The discussion includes comments relating to Capitol Federal Savings Bank (the "Bank"), since the Bank
is wholly owned by the Company and comprises the majority of assets and principal source of income for the Company.

**Financial Condition**

**Assets.**  For the six month period ended March 31, 2001, total assets of the Company increased $123.7
million, or 1.5 %, from $8.27 billion at September 30, 2000 to $8.39 billion at March 31, 2001. The increase
from September 30, 2000 was primarily due to the growth in the Company's loan portfolio and cash and
cash equivalents, partially offset by a decrease in mortgage-related securities.  Management believes that
growth in assets will continue to be limited by the growth in deposits during the current fiscal year.  The
change in total assets was primarily distributed as follows:

|• |  | $65.5 million, or 1.2%, increase in net loans receivable which increased from $5.44 billion at September 30, 2000 to $5.51 billion at March 31, 2001,
|- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------
|• |  | $110.9 million, or 83.4%, increase in cash and cash equivalents from $133.0 million at September 30,
2000 to $243.9 million at March 31, 2001,       
|• |  | $28.2 million decrease in mortgage-related securities, or (1.2) %, which was $2.41 billion at September
30, 2000 and $2.38 billion at March 31, 2001.

The following table presents loan origination activity for the current quarter and year to date.

|                                  | For the quarter ended |       | For the six months ended
|--------------------------------- | --------------------- | ----- | ------------------------
|                                  | March 31, 2001        |       | March 31, 2001          
|Fixed Rate                        | Amount                | Yield | % of Total              
|Origination - One- to four-family | $161,399              | 6.98  | 57.39%                  
|Refinance - One- to four-family   | 43,408                | 6.89  | 15.44%                  
|Consumer  loans                   | 8,224                 | 8.84  | 2.92%                   
|Adjustable Rate                   |                       |       |                         
|Origination - One- to four-family | 18,706                | 6.88  | 6.65%                   
|Refinance - One- to four-family   | 1,799                 | 6.76  | 0.64%                   
|Consumer  loans                   | 26,377                | 9.54  | 9.38%                   
|Purchased Loans                   | 21,301                | 6.98  | 7.58%                   
|Total Origination and Purchases   | $281,214              | 7.25  | 100.00%                 
|Mortgage-related securities       | $249,797              | 6.48  |                         

The mortgage-related securities were purchased with cash received from the increase in prepayments of loans and mortgage-related securities.

Since September 30, 2000, we have increased our net loans receivable by $65.5 million and our non-performing loans have increased $818,000.  Our level of non-performing loans continues to be minimal because of the underwriting standards on loans we
originate and purchase.    At March 31, 2001, our ratio of non-performing loans to total loans was 0.08%.  This has contributed to a very low non-performing assets total and ratio to total assets, and supports our low efficiency ratio.

**Liabilities.**  Deposits increased $136.5 million, or 3.5%, from $3.96 billion at September 30, 2000, to $4.09 billion at March 31, 2001.  Certificate accounts increased in balance over the period by $67.7 million. Advances
from the Federal Home Loan Bank of Topeka ("FHLB") decreased from September 30, 2000 by $25.0 million, or 0.78%.

**Equity.**  Total stockholders' equity increased $25.1 million, or 2.5%, from $986.2 million at September 30, 2000, to $1.01 billion at March 31, 2001.   The increase was the result of year-to-date earnings of $39.4 million and
an increase of $8.6 million in unrealized gain on securities available for sale, partially offset by the purchase of the Company's stock totaling $20.6 million and dividends paid of $6.5 million. During the
six months ended March 31, 2001, the Company purchased 1,384,500 shares of stock in the open market at
an average cost of $14.88 per share.  At March 31, 2001, book value per share was $13.16 compared to
$12.64 book value per share at September 30, 2000.  Equity to assets was 12.05 % at March 31, 2001
compared to 11.93% at September 30, 2000.

**Comparison of Operating Results for the Three Months Ended March 31, 2001 and 2000**

**General.**  For the three months ended March 31, 2001, the Company recognized net income of $19.9
million, compared to net income of $19.1 million for the three months ended March 31, 2000.  The
Company's efficiency ratio for the three months ended March 31, 2001 was 32.81% compared to 31.68%
for the quarter ended March 31, 2000.

**Net Interest Income.**  Net interest income for the three months ended March 31, 2001 was $42.7 million,
an increase of $1.0 million, or 2.3% from the same period last year.

|• |  | The increase was primarily the result of an increase of $879.3 million in the average balance of loans
receivable and mortgage-related securities from $6.92 billion at March 31, 2000 to $7.80 billion at
March 31, 2001.  The average yield on these assets increased 11 basis points to 7.11% for the quarter
ended March 31, 2001 compared to 7.00% one year ago.                   
|- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|• |  | Total average interest bearing liabilities increased $1.13 billion from $6.08 billion at March 31, 2000 to
$7.21 billion at March 31, 2001, of which the average balance of advances from the FHLB increased
$1.1 billion.  The average cost of our interest bearing liabilities increased 33 basis points to 5.72% for the
quarter ended March 31, 2001 compared to 5.39% one year ago.
|• |  | The net interest margin for the quarter ended March 31, 2001 decreased 27 basis points to 2.08% from
2.35% for the quarter ended March 31, 2000.  The Company's net interest rate spread at March 31, 2001
was 1.49% which is 7 basis points lower than at  March 31, 2000.                                                                                                             

**Interest and Dividend Income.**  Interest income for the three months ended March 31, 2001 was $145.0 million, up $21.1 million from the same period last year, an increase of 17.0%.

|• |  | Interest on loans increased from $82.3 million for the three months ended March 31, 2000 to $101.8
million for the three months ended March 31, 2001.  This increase of $19.5 million was the result of an
increase in the average balance of loans and an increase in the average yield earned.  The average balance
of loans receivable increased $957.9 million to $5.56 billion for the three months ended March 31, 2001
compared to $4.60 billion for the same period one year ago, while the average yield on loans increased
17 basis points to 7.33% for the quarter ended March 31, 2001 from 7.16% for the quarter ended March
31, 2000.  The yield on loans receivable at March 31, 2001 was 7.35%.
|- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|• |  | Interest income on mortgage-related securities decreased $2.0 million from $38.7 million for the quarter
ended March 31, 2000 to $36.7 million for the quarter ended March 31, 2001. The decrease is due
primarily to a decrease in the average balance outstanding and a decrease in the average yield as a result of an increase in the net amortization of premiums and discounts on the securities.  The decrease on the average balance is due in part to high
rate securities prepaying due to lower market rates causing the underlying loans to refinance.  The average balance of mortgage-related securities decreased $78.5 million from $2.32
billion at March 31, 2000 to $2.24 billion at March 31, 2001, while the average yield decreased 12 basis
points, from 6.68% for the quarter ended March 31, 2000 to 6.56% for the quarter ended March 31, 2001.
The yield on mortgage-related securities at March 31, 2001 was 6.83%.
|- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|• |  | Dividend income on capital stock in the FHLB for the quarter ended March 31, 2001 was $3.0 million compared to $1.7 million for the quarter ended
March 31, 2000, an increase of $1.3 million.  The average balance of FHLB stock increased $62.1 million from $99.2 million at March 31, 2000 to $161.3 million at March 31, 2001.  The average yield during the quarter was 7.50% compared to 6.96% for the
same quarter one year ago. The increase in the balance of capital stock in the FHLB was required to comply with FHLB lending requirements.                                                                                                                                                                                                                                                                                                                                                                                       

**Interest Expense.**  Interest expense increased for the quarter ended March 31, 2001 to $102.3 million, up $20.1 million, or 24.5%, from the same period one year ago.

|• |  | For the quarter ended March 31, 2001 interest expense on deposits was $53.3 million compared to $50.2
million for the quarter ended March 31, 2000, an increase of $3.1 million.  The increase was due to an
increase in interest rates paid on short-term deposits, money market
accounts, and certificates of deposit maturing and renewing into higher rate, shorter term accounts.  The
average balance of deposits during the quarter ended March 31, 2001 was $4.01 billion compared to
$3.93 billion for the quarter ended March 31, 2000, a increase of $79.9 million, or 2.0%.  The average
rate paid on deposits for the quarter ended March 31, 2001 was 5.38% compared to 5.12% for the quarter
ended March 31, 2000, an increase of 26 basis points.  At March 31, 2001, the average cost of deposits
was 5.27%.
|- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|• |  | Interest expense on borrowings for the quarter ended March 31, 2001 was $49.1 million compared to
$32.0 million for the quarter ended March 31, 2000, an increase of $17.1 million, or 53.4%.  The average
balance of borrowings for the quarter ended March 31, 2001 was $3.20 billion compared to $2.15 billion
for the quarter ended March 31, 2000, an increase of $1.05 billion, or 49.1%.  The increase was due to
additional long-term fixed rate, callable advances from the FHLB being used to fund the purchase of mortgage-related securities and the origination and purchase of loans.  The average cost of the borrowings for the
quarter ended March 31, 2001 was 6.14% compared to 5.89% for the quarter ended March 31, 2000.  The
average rate paid on borrowings at March 31, 2001 was 6.14%.             

******Provision for Loan Losses.**  During the quarter no provisions for loan losses were recorded.  The
provision is based on estimates of losses inherent in the loan portfolio.  The appropriateness of the
provision is reviewed by management based upon an evaluation of then-existing economic and business
conditions affecting our key lending areas and other conditions, such as credit quality trends, collateral
values, loan volumes and concentrations, specific industry conditions within portfolio segments and
recent loss experience in particular segments of the portfolio that existed as of the balance sheet date and
the impact that such conditions were believed to have had on the collectibility of loans.  The amounts
that might actually be recorded as losses can vary significantly from the estimated amounts.

******Noninterest Income.**  Total noninterest income for the quarter ended March 31, 2001 was $3.8
million, up from $3.4 million for the quarter ended March 31, 2000.

******Noninterest Expense.**  Total noninterest expense increased $955,000 to $15.2 million for the quarter
ended March 31, 2001 compared to $14.3 million for the same period in 2000.  The increase was
primarily due to an increase of $762,000 in compensation expense, generally due to the expense
associated with the implementation of stock benefit plans during the year, and an increase in occupancy and office supplies expense of
$199,000.

******Income Tax Expense.**  Income tax expense decreased from $11.6 million for the quarter ended March
31, 2000, to $11.3 million for the quarter ended March 31, 2001.

******Comparison of Operating Results for the Six Months Ended March 31, 2001 and 2000**

******General.**  For the six months ended March 31, 2001, the Company recognized net income of $39.4
million compared to net income of $37.2 million for the six months ended March 31, 2000.  The
efficiency ratio, for the six months ended March 31, 2001 was 32.85% compared to 32.65% for the six
months ended March 31, 2000.

******Net Interest Income.**  Net interest income for the six months ended March 31, 2001 was $84.3 million
compared to $82.5 million for the six months ended March 31, 2000, an increase of $1.8 million, or
2.2%.  The net interest margin decreased 35 basis points from 2.41% at March 31, 2000 to 2.06% at
March 31, 2001.

******Interest and Dividend Income.**Interest income for the six months ended March 31, 2001 was $291.3
million, up $53.4 million, or 22.5% over the same period one year ago.

|• |  | Interest on loans increased from $161.3 million for the six months ended March 31, 2000 to $201.7
million for the six months ended March 31, 2001. This increase of $40.4 million was the result of an
increase in the average balance of loans receivable and an increase in the average yield earned. The
average balance of loans increased $1.03 billion to $5.54 billion for the six months ended March 31,
2001 from $4.51 billion for the six months ended March 31, 2000.  The average yield on loans increased
13 basis points from 7.15% for the six months ended March 31, 2000 to 7.28% for the six months ended
March 31, 2001.
|- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|• |  | Interest on mortgage-related securities increased by $5.8 million, or 8.03%, from $71.7 million for the
six months ended March 31, 2000 to $77.4 million for the six months ended March 31, 2001, primarily as a
result of an increase in the average balance of mortgage-related securities.  The average balance of
mortgage-related securities increased $113.7 million, or 5.2%, from $2.18 billion for the six months
ended March 31, 2000 to $2.30 billion for the six months ended March 31, 2001, while the average yield
for the six months ended March 31, 2001 was 6.74%, up from 6.56% for the six months ended March 31,
2000. 
|• |  | Dividends earned on capital stock of the FHLB was $6.5 million for the six months ended March 31,
2001, compared to $3.1 million for the same period in fiscal year 2000.  The average yield for the six
months ended March 31, 2001 was 8.12% compared to 7.18% for the six months ended March 31, 2000.  The average balance of FHLB stock was $161.3 million for the six month period ended March 31, 2001 compared to $85.8 million for the same period one year ago.                                                                                                                                                                   

******Interest Expense.**  Interest expense increased during the six month period ended March 31, 2001 to
$207.0 million, up $51.7, or 33.3%, from the same period one year ago.

|• |  | Interest expense on deposits increased from $99.9 million for the six months ended March 31, 2000 to
$107.4 million for the six months ended March 31, 2001, a $7.5 million or 7.50% increase.  The average
cost of deposits increased to 5.42% for the six months ended March 31, 2001 from 5.07% for the six
months ended March 31, 2000, or 35 basis points.  The average balance of deposits increased $48.6
million, from $3.93 billion for the six months ended March 31, 2000 to $3.98 billion for the six months
ended March 31, 2001.
|- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|• |  | Interest expense on borrowings increased to $99.6 million from $55.4 million, a $44.2 million increase,
or 79.8%.  The average balance of borrowings increased from $1.88 billion for the six months ended
March 31, 2000 to $3.21 billion for the six months ended March 31, 2001, primarily to fund the purchase
of mortgage-related securities and loan growth.  The average cost of borrowings increased from 5.81%
for the six months ended March 31, 2000 to 6.14% for the six months ended March 31, 2001.                             

******Provision for Loan Losses.**  During the six months ended March 31, 2001 there was no provision for
loan losses recorded.  The provision for loan losses for the six months ended March 31, 2000 was
$494,000.

******Noninterest Income.**  Total noninterest income for the six month period ended March 31, 2001 was
$8.0 million, up slightly from $6.9 million for the six month period ended March 31, 2000.

******Noninterest Expense.**  Total noninterest expense increased $1.1 million to $30.3 million for the six
months ended March 31, 2001, up from $29.2 million for the six months ended March 31, 2000.  The
increase was primarily due to an increase of $1.6 million in compensation expense, generally due to
expense associated with the implementation of stock benefit plans during the year, partially offset by a decrease in the federal deposit insurance
expense of $410,000.

******Income Tax Expense.**  Income tax expense increased from $22.5 million for the six month period
ended March 31, 2000 to $22.6 million for the six months ended March 31, 2001.  The increase is
primarily the result of an increase in pre-tax earnings.

******Liquidity and Commitments**

****The Bank's liquidity, represented by cash and cash equivalents and mortgage-related securities available for
sale, is a product of its operating, investing and financing activities.  The Bank's primary sources of funds
are deposits, advances from the FHLB, prepayments and maturities of outstanding loans and mortgage-related securities, other short-term investments and funds provided from operations.  While scheduled
payments from the amortization of loans and mortgage-related securities and short-term investments are
relatively predictable sources of funds, deposit flows and loan prepayments are greatly influenced by general
interest rates, economic conditions and competition.  In addition, we invest excess funds in short-term
interest-earning assets, which provide liquidity to meet lending requirements.  We utilize FHLB advances
to provide funds for our lending and investment activities and as an interest rate risk management tool.

Liquidity management is both a daily and long-term function of business management.  Excess liquidity
is generally invested in short-term investments such as overnight deposits or U.S. agency securities.  We
use our sources of funds primarily to meet our ongoing commitments, to pay maturing certificates of
deposit and savings withdrawals, to fund loan commitments and to maintain our portfolio of mortgage-related securities.

At March 31, 2001:

|• |  | The total approved loan origination and purchase commitments outstanding amounted to $170.7 million.
|- |  | ----------------------------------------------------------------------------------------------------
|• |  | The unadvanced portion of construction loans was $19.9 million.                                     
|• |  | Unused home equity lines of credit were $193.2 million.                                             
|• |  | Outstanding letters of credit totaled $755,000.                                                     
|• |  | Certificates of deposit scheduled to mature in one year or less, totaled $2.18 billion.             

Based on historical experience, management believes that a significant portion of maturing deposits will
remain with the Bank.  We anticipate that we will continue to have sufficient funds, through repayments,
deposits and borrowings, to meet our current commitments.

******Capital**

Consistent with our goals to operate a sound and profitable financial organization, we actively seek to
maintain a "well capitalized" institution in accordance with regulatory standards.  Total equity was $1.01
billion at March 31, 2001, or 12.1% of total assets on that date. As of March 31, 2001, the Bank exceeded
all capital requirements of the Office of Thrift Supervision. The Bank's regulatory capital ratios at March
31, 2001 were as follows: Tier I (leverage) capital, 11.2%; Tier I risk-based capital, 26.4%; and total risk-based capital, 26.5%. The regulatory capital requirements to be considered well capitalized are 5.0%, 6.0%,
and 10.0%, respectively.

****

**Item 3.       Quantitative and Qualitative Disclosure About Market Risk**

For a complete discussion of the Company's asset and liability management policies as well as the
potential impact of interest rate changes upon the market value of the Company's portfolio, see
"Management's Discussion and Analysis of Financial Condition and Results of Operations, Asset and
Liability Management and Market Risk" in the Company's Annual Report for the year ended September
30, 2000.

The asset and liability management committee regularly reviews the interest rate risk position of the
Bank by forecasting the impact of alternative interest rate environments on net interest income and the
market value of portfolio equity. The market value of portfolio equity is defined as the net present value
of an institution's existing assets, liabilities and off-balance sheet instruments. The present values are
determined in alternative interest rate environments and evaluated against the potential
changes in market value of portfolio equity.

The following table sets forth the estimated percentage change in our net interest income over the next
four-quarter period and our market value of portfolio equity at March 31, 2001 based on the indicated
instantaneous, parallel, and permanent changes in interest rates.  This is, however, not the earnings
expectations of management, but instead indicates what would happen without management intervention.

|**At March 31, 2001**     |                          |                     
|------------------------- | ------------------------ | --------------------
|                          | **Estimated Change in** 
|**Change**                | ******Net Interest****** | ******Market Value**
|**(in Basis
Points)****** | **Income******           | **of Portfolio**    
|**in Interest
Rates(1)**  | **(next four quarters)** | **Equity**          
|-300 bp                   | -40.65%                  | -64.68%             
|-200 bp                   | -27.80                   | -37.44              
|-100 bp                   | -9.91                    | -12.25              
|0 bp                      | 0                        | 0                   
|100 bp                    | 1.00                     | -9.02               
|200 bp                    | -0.06                    | -22.69              
|300 bp                    | -3.00                    | -38.46              

|**At September 30, 2000** |                          |                     
|------------------------- | ------------------------ | --------------------
|                          | **Estimated Change in** 
|**Change**                | ******Net Interest****** | ******Market Value**
|**(in Basis
Points)****** | **Income******           | **of Portfolio**    
|**in Interest
Rates(1)**  | **(next four quarters)** | **Equity**          
|-300 bp                   | -8.88%                   | -31.22%             
|-200 bp                   | -1.71                    | -13.65              
|-100 bp                   | 0.59                     | -1.27               
|0 bp                      | 0                        | 0                   
|100 bp                    | -1.79                    | -6.60               
|200 bp                    | -5.43                    | -16.13              
|300 bp                    | -10.37                   | -27.39              

(1)Assumes an instantaneous uniform change in interest rates at all maturities.

******Net Interest Income.**  The changes in projected net interest income estimations for the four-quarter
period beginning March 31, 2001 over September 30, 2000 are primarily the result of the recent cuts in
rates by the Federal Reserve Bank, an increase in the expected prepayments on loans and mortgage-related securities and the effect of fixed rate long-term funding from the Federal Home Loan Bank of
Topeka ("FHLB").  The decrease in rates has occurred primarily during the current quarter.  This short-term period saw a steepening in the yield curve against which deposits and loans are priced. A steeper
yield curve provides the Bank the opportunity to price loans at a wider margin compared to deposits than
when the yield curve is relatively flat, or inverted, which has occurred in the recent past.

Generally, in decreasing rate scenarios, prepayments on fixed rate loans will increase, resulting in the
reinvestment of the proceeds in lower rate assets. The long-term FHLB funding remains fixed over
the four-quarter period and certificates eligible to rollover do not decrease in rate as much as market
rates.  Repricing of some of our adjustable rate loans will also decrease yields on earning assets.  These
events can cause our net interest income to go down.

Generally, in increasing rate scenarios, projected net interest income remains flat, or decreases
slightly, because loan prepayments generally slow down allowing earnings to continue on relatively
higher rate assets and the cashflow that is received is reinvested into higher rate assets.  The long-term
FHLB funding remains fixed over the four-quarter period and certificates eligible to rollover do not
increase in rate as much as market rates.  In the highest rate scenario prepayments are too slow to offset
the repricing of deposits causing the slight decrease in the net interest margin.

The results presented in the above table are based upon the assumption that the total composition of
interest earning assets and interest bearing liabilities does not change and that any repricing of assets or
liabilities occur at market rates as of March 31, 2001.  The table presents the effects of the change in
interest rates, and the resulting impact on prepayments, on the portfolios of assets and liabilities of the
Bank as of March 31, 2001 as loans, mortgage-related securities and deposits mature or repay.

******Market Value of Portfolio Equity.**  The change in  estimated market value of portfolio equity in
the down rate scenarios is generally the result of increased holdings of fixed rate loans and mortgage-related securities and fixed-rate callable advances from the FHLB. Loans that were originated at
market rates during the last half of fiscal year 2000 and the first quarter of fiscal year 2001 have a greater likelihood of  prepaying in a falling rate environment because they were originated at rates almost one-percentage point higher than rates
currently offered and this group of borrowers has not ignored prior refinancing opportunities. This same
characteristic applies to fixed rate mortgage-related securities.  Since these assets are generally prepaid
more quickly in a falling rate environment, their market value does not increase in falling rate
environments compared to assets with no prepayment option. Callable advances have the effect of
lowering the market value of portfolio equity in decreasing rate environments because the likelihood of
the advances being called is diminished, resulting in the advances existing until final maturity. The
balance of fixed rate loans and mortgage-related securities partially cause the decrease in the estimated
market value of portfolio equity in the increasing rate environments because as rates increase the
likelihood of prepayments decreases, causing the assets to have a longer life than in a low rate
environment. The callable features of the borrowings, used primarily to purchase loans and mortgage-related securities, are assumed to be exercised in increasing rate scenarios. This has the effect of
shortening the average maturities of liabilities while the fixed rate loans and mortgaged-related securities
will tend to lengthen in maturity. These characteristics in financial assets and liabilities tend to decrease the
market value of portfolio equity in increasing rate scenarios.

Part 2 -  OTHER INFORMATION

**Item 1.  Legal Proceedings**

Not Applicable

**Item 2.  Change in Securities and Use of Proceeds**
Not applicable

**Item 3.  Defaults Upon Senior Securities**
Not applicable

**Item 4.  Submission of Matters to a Vote of Security Holders**
Not applicable

**Item 5.  Other Information**
Not applicable

**Item 6.  Exhibits and Reports on Form 8-K**
No reports on Form 8-K were filed by the Company during the quarter ended March 31, 2001.



Signatures

Pursuant to the  requirement  of the  Securities  Exchange Act of 1934, the registrant  has duly  caused  this
report  to be  signed  on its  behalf by the undersigned thereunto duly authorized.

|      |              |  |     | CAPITOL FEDERAL FINANCIAL                                                               
|----- | ------------ |  | --- | ----------------------------------------------------------------------------------------
|Date: | May 15, 2001 |  | By: | /s/ John C. DicusJohn C. Dicus, Chairman and
Chief Executive Officer                    
|Date: | May 15, 2001 |  | By: | /s/ Neil F.M. McKayNeil F.M. McKay, Executive Vice President
and Chief Financial Officer