QUARTERLY REPORT UNDER SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-Q

                                  -------------


             [X] Quarterly Report Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934
                     For the period ended September 30, 2000

                                       or

             [ ] Transition Report Pursuant to Section 13 or 15(d) of
                        the Securities Exchange Act of 1934
                   For the transition period from _____to _____


                                  ------------


                         Commission file number 2-78658


                          INTRUST Financial Corporation
                          -----------------------------
             (Exact name of registrant as specified in its charter)


        Kansas                                       48-0937376
        ------                                       ----------
        (State or other jurisdiction of              (I.R.S. Employer
        incorporation or organization)               Identification Number)


        105 North Main Street
        Box One
        Wichita, Kansas                                        67201
        ---------------                                        -----
        (Address of principal                                  (Zip Code)
        executive offices)

        Registrant's telephone number including area code: (316) 383-1111

Indicate by check mark whether the registrant (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  registrant  was
required  to file  such  reports),  and  (2) has  been  subject  to such  filing
requirements for the past 90 days. Yes [X] No [ ]

At October 20, 2000,  there were  2,353,904  shares of the  registrant's  common
stock, par value $5 per share, outstanding.


<PAGE>



                          Part 1. Financial Information

                          INTRUST Financial Corporation
            Consolidated Condensed Statements of Financial Condition
            (Unaudited - dollars in thousands except per share data)

                                                     September 30,  December 31,
Assets                                                   2000           1999
--------------------------------------------------------------------------------
Cash and cash equivalents:
   Cash and due from banks                            $  109,900    $  109,548
    Federal funds sold and securities purchased
      under agreements to resell                          40,325        46,240
--------------------------------------------------------------------------------
        Total cash and cash equivalents                  150,225       155,788
--------------------------------------------------------------------------------
Investment securities:
   Held-to-maturity at cost (market value, $40,881
     for 2000 and $65,957 for 1999)                       40,523        65,849
   Available-for-sale, at market                         394,683       361,503
--------------------------------------------------------------------------------
        Total investment securities                      435,206       427,352
--------------------------------------------------------------------------------
Loans held-for-sale                                        2,073        32,444
Loans, net of allowance for loan losses of
  $28,271 in 2000 and $26,010 in 1999                  1,658,078     1,596,194
Land, buildings and equipment, net                        41,145        38,656
Other assets                                              79,846        88,019
--------------------------------------------------------------------------------
      Total assets                                    $2,366,573    $2,338,453
------------------------------------------------------==========================

Liabilities and Stockholders' Equity
--------------------------------------------------------------------------------
   Deposits                                           $1,816,647    $1,818,476
   Short-term borrowings:
      Federal funds purchased and securities
        sold under agreements to repurchase              279,687       270,316
      Other                                               10,919        10,392
--------------------------------------------------------------------------------
        Total short-term borrowings                      290,606       280,708
--------------------------------------------------------------------------------

   Accounts payable and accrued liabilities               25,334        17,886
   Notes payable                                          13,000        10,000
   Guaranteed preferred beneficial interests in the
       Company's subordinated debentures                  57,500        57,500
--------------------------------------------------------------------------------
          Total liabilities                            2,203,087     2,184,570
--------------------------------------------------------------------------------

Stockholders' equity:
   Common stock, $5 par value; 10,000,000 shares
     authorized, 2,783,650 shares issued                  13,918        13,918
   Capital surplus                                        21,672        21,673
   Retained earnings                                     169,779       156,653
   Treasury stock, at cost (429,561 shares in
     2000 and 391,498 shares in 1999)                    (40,917)      (35,965)
   Accumulated other comprehensive loss                     (966)       (2,396)
--------------------------------------------------------------------------------
          Total stockholders' equity                     163,486       153,883
--------------------------------------------------------------------------------
      Total liabilities and stockholders' equity      $2,366,573    $2,338,453
------------------------------------------------------==========================

The  accompanying  notes are an integral  part of these  consolidated  financial
statements.

<PAGE>


                          INTRUST Financial Corporation

      Consolidated Condensed Statements of Income and Comprehensive Income
            (Unaudited - Dollars In Thousands Except per Share Data)

                                           Three Months          Nine Months
                                        Ended September 30,  Ended September 30,
                                        ----------------------------------------
                                            2000      1999       2000      1999
--------------------------------------------------------------------------------
Interest income:
   Loans                                   $39,229  $33,324  $114,240  $ 96,146
   Investment securities                     6,815    5,042    20,007    15,593
   Federal funds sold and securities
     purchased under agreements to
     resell, and other                         648      354     1,901     1,305
--------------------------------------------------------------------------------
       Total interest income                46,692   38,720   136,148   113,044
--------------------------------------------------------------------------------
Interest expense:
   Deposits                                 16,696   13,237    47,799    38,636
   Federal funds purchased and
     securities sold under agreement
     to repurchase                           4,171    2,823    12,220     8,078
   Convertible capital notes                     0      238         0       721
   Subordinated debentures                   1,184    1,185     3,553     3,554
   Other borrowings                            821      313     1,721       893
--------------------------------------------------------------------------------
       Total interest expense               22,872   17,796    65,293    51,882
--------------------------------------------------------------------------------
       Net interest income                  23,820   20,924    70,855    61,162
Provision for loan losses                    2,655    3,030     7,965     8,340
--------------------------------------------------------------------------------
       Net interest income after
         provision for loan losses          21,165   17,894    62,890    52,822
--------------------------------------------------------------------------------
Noninterest income:
   Service charges on deposit accounts       3,511    3,191    10,183     8,973
   Fiduciary income                          3,146    3,387     9,383     9,951
   Credit card fees                          2,763    2,408     7,799     6,773
   Securities gains                              0        0         0       541
   Other service charges, fees and income    2,972    3,041     9,349     8,714
--------------------------------------------------------------------------------
       Total noninterest income             12,392   12,027    36,714    34,952
--------------------------------------------------------------------------------
Noninterest expenses:
   Salaries and employee benefits           11,444   10,275    34,639    30,240
   Professional services                     1,052    1,041     4,036     2,740
   Net occupancy and equipment expense       3,030    2,855     8,764     7,789
   Advertising and promotional activities      986      757     3,903     2,518
   Data processing expense                   1,483    1,172     4,158     3,348
   Supplies                                    651      764     1,986     1,877
   Postage and dispatch                        594      575     1,886     1,611
   Goodwill amortization                       635      487     1,942     1,293
   Deposit insurance assessment                 86       70       283       197
   Other                                     2,166    2,490     7,295     7,582
--------------------------------------------------------------------------------
       Total noninterest expenses           22,127   20,486    68,892    59,195
--------------------------------------------------------------------------------
       Income before provision for
         income taxes                       11,430    9,435    30,712    28,579
Provision for income taxes                   4,470    3,655    12,227    11,113
--------------------------------------------------------------------------------
       Net income                            6,960    5,780    18,485    17,466
Other comprehensive income (loss)            1,189     (271)    1,430    (1,783)
--------------------------------------------------------------------------------
       Comprehensive income                $ 8,149  $ 5,509  $ 19,915  $ 15,683
-------------------------------------------=====================================
Per share data:
   Basic earnings per share                  $2.94    $2.84     $7.78     $8.59
-------------------------------------------=====================================
   Diluted earnings per share                $2.91    $2.44     $7.69     $7.37
-------------------------------------------=====================================
Cash Dividends                               $0.75    $0.60     $2.25     $1.80
-------------------------------------------=====================================

The  accompanying  notes are an integral  part of these  consolidated  financial
statements.


<PAGE>


                          INTRUST Financial Corporation
                      Consolidated Statements of Cash Flows
                                   (Unaudited)
                            (in thousands of dollars)
                                                           Nine Months Ended
                                                              September 30
                                                         -----------------------
                                                             2000        1999
--------------------------------------------------------------------------------
Cash provided (absorbed) by operating activities:
 Net Income                                                $ 18,485   $  17,466
Adjustments to reconcile net income to net cash
 provided by operating activities:
   Provision for loan losses                                  7,965       8,340
   Provision for depreciation and amortization                6,779       5,630
   Amortization of premium and accretion of discount
     on investment securities                                  (886)        (47)
   Gain on sale of investment securities                          0        (541)
   Loss on retirement of convertible capital notes                0         240
   Changes in assets and liabilities:
    Loans held for sale                                      (1,974)      3,622
    Prepaid expenses and other assets                           608     (14,004)
    Income taxes                                              9,200       2,902
    Interest receivable                                      (3,749)     (2,311)
    Interest payable                                          5,523       8,064
    Other liabilities                                           773      13,441
    Other                                                      (162)         30
--------------------------------------------------------------------------------
     Net cash provided by operating activities               42,562      42,832
--------------------------------------------------------------------------------
Cash provided (absorbed) by investing activities:
   Purchase of investment securities                       (196,909)   (214,355)
   Investment securities matured or called                  192,325     146,502
   Proceeds from sale of investment securities                    0         592
   Net increase in loans                                    (38,781)   (150,001)
   Purchases of land, buildings and equipment                (8,139)     (5,583)
   Proceeds from sale of equipment                            1,686          59
   Proceeds from sale of other real estate
     and repossessions                                        1,462         995
   Other                                                       (526)     (1,005)
--------------------------------------------------------------------------------
     Net cash absorbed by investing activities              (48,882)   (222,796)
--------------------------------------------------------------------------------
Cash provided (absorbed) by financing activities:
   Proceeds from assumption of liabilities and
     acquisition of assets of bank branches, net                  0     219,217
   Net decrease in deposits                                  (1,829)    (52,373)
   Net increase (decrease) in short-term borrowings           9,898     (13,891)
   Proceeds from notes payable                                3,000           0
   Retirement of convertible capital notes                       (1)       (311)
   Cash dividends                                            (5,359)     (3,659)
   Purchase of treasury stock                                (4,952)     (1,114)
--------------------------------------------------------------------------------
     Net cash provided by financing activities                  757     147,869
--------------------------------------------------------------------------------

     Decrease in cash and cash equivalents                   (5,563)    (32,095)

Cash and cash equivalents at beginning of period            155,788     200,606
--------------------------------------------------------------------------------

Cash and cash equivalents at end of period                 $150,225    $168,511
-----------------------------------------------------------=====================

Supplemental disclosures
   Interest paid                                            $59,770     $43,819
   Income tax paid                                          $ 3,007     $ 8,189

The  accompanying  notes are an integral  part of these  consolidated  financial
statements.

<PAGE>



                          INTRUST Financial Corporation
                   Notes to Consolidated Financial Statements
                                   (Unaudited)




1.  Principles of Consolidation and Presentation
------------------------------------------------

The  accompanying  consolidated  financial  statements  include the  accounts of
INTRUST  Financial  Corporation and subsidiaries.  All significant  intercompany
accounts and transactions  have been  eliminated.  In the opinion of management,
the consolidated  financial statements reflect all normal recurring  adjustments
necessary  for a fair  presentation  of the  financial  position  and results of
operations for the periods presented.

The significant accounting policies followed in the preparation of the quarterly
financial  statements  are the  same as  those  disclosed  in the  1999  INTRUST
Financial  Corporation  Annual  Report on Form  10-K.  Reference  is made to the
"Notes to Consolidated  Financial Statements" under Item 8 of the 1999 Form 10-K
for additional disclosure.


2.  Allowance for Loan Losses
-----------------------------

The  following is a summary of the allowance for loan losses for the nine months
ended September 30, 2000 and 1999 (in thousands):


                                                             2000        1999
   -----------------------------------------------------------------------------
   Balance, January 1                                       $26,010     $21,703
   Additions:
     Allowance acquired                                           0         310
     Provision for loan losses                                7,965       8,340
   -----------------------------------------------------------------------------
                                                             33,975      30,353
   Deductions:
     Loans charged off                                        7,299       7,183
     Less recoveries on loans
         previously charged off                               1,595       1,611
   -----------------------------------------------------------------------------
     Net loan losses                                          5,704       5,572
   -----------------------------------------------------------------------------
   Balance, September 30                                    $28,271     $24,781
   ---------------------------------------------------------====================

Statement  of Financial  Accounting  Standards  ("SFAS")  No. 114 requires  that
certain impaired loans be measured based on the present value of expected future
cash flows  discounted  at the loan's  original  effective  interest  rate. As a
practical  expedient,  impairment may be measured based on the loan's observable
market  price or the  fair  value of the  collateral  if the loan is  collateral
dependent.  When the  measure  of the  impaired  loan is less than the  recorded
investment  in  the  loan,  the  impairment  is  recorded  through  a  valuation
allowance.

Less than 1% of the Company's total loan portfolio meet the criteria  defined in
SFAS Nos.  114 and 118 for  classification  as an  impaired  loan.  The  Company
maintained  a  valuation  allowance  related  to loans  considered  impaired  of
$409,000  and  $672,000 at September  30, 2000 and 1999  respectively.  Interest
income on this  classification  of loans has been  recorded  by the Company in a
manner  consistent  with its income  recognition  policies on other loans.  Such
amount of interest income is not material to the Company's financial statements.


3.  Earnings Per Share Calculations
-----------------------------------

Basic earnings per share is computed  based upon the weighted  average number of
shares  outstanding.  Diluted  earnings per share includes  shares issuable upon
exercise  of stock  options  and,  for  1999,  assumes  that the 9%  convertible
subordinated  capital  notes  had been  converted  into  common  stock as of the
beginning  of the period with  related  adjustments  to interest  and income tax
expense. The following is a reconciliation of the numerators and denominators of
basic and diluted earnings per share:


                                                            Nine Months Ended
                                                               September 30
--------------------------------------------------------------------------------
                                                             2000        1999
--------------------------------------------------------------------------------
Net income for basic earnings per share                     $18,485     $17,466
Interest expense on convertible debt, net of taxes                0         447
--------------------------------------------------------------------------------
Net income for diluted earnings per share                   $18,485     $17,913
------------------------------------------------------------====================

Weighted average shares for basic earnings per share      2,376,295   2,033,242
Shares issuable upon exercise of stock options               27,551      39,911
Shares issuable upon conversion of capital notes                  0     356,992
--------------------------------------------------------------------------------
Weighted average shares for diluted earnings per share    2,403,846   2,430,145
----------------------------------------------------------======================


4.  Segment Reporting
---------------------

Listed below is a presentation  of revenues and profits for all segments.  Taxes
are  not  allocated  to  segment  operations,  and  the  Company  did  not  have
discontinued  operations,  extraordinary  items or accounting changes for any of
the segments.  There has been no material  change in total  segment  assets from
amounts disclosed in the last annual report, and there has been no change in the
basis of  segmentation  or in the  measurement  of profit or loss since the last
annual report.

                                         Three Months Ended   Nine Months Ended
                                             September 30,       September 30,
                                            2000      1999      2000      1999
 -------------------------------------------------------------------------------
 Revenues from external customers
    Consumer banking                      $21,468   $22,320   $64,828   $66,512
    Commercial banking                      9,766     8,939    29,447    25,326
    Wealth management                       3,861     4,139    11,892    11,977
    Community banking                       1,733     1,586     4,900     4,775

 Intercompany revenues
    Consumer banking                      $   (18)  $(2,442)  $  (158)  $(7,360)
    Commercial banking                          0         0         0         0
    Wealth management                         119       104       349       317
    Community banking                         170       274       615       566

 Segment profit
    Consumer banking                      $ 5,593   $ 4,681   $16,902   $15,709
    Commercial banking                      5,304     5,025    15,532    13,894
    Wealth management                         882       932     2,566     2,777
    Community banking                         722       647     1,891     1,730
 -------------------------------------------------------------------------------
       Profit from segments before tax     12,501    11,285    36,891    34,110
       Expenses at corporate level not
         allocated to segments             (1,071)   (1,850)   (6,179)   (5,531)
 -------------------------------------------------------------------------------
       Consolidated income before tax     $11,430   $ 9,435   $30,712   $28,579
 -----------------------------------------======================================

<PAGE>


           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                            AND RESULTS OF OPERATIONS


Unaudited consolidated net income of INTRUST Financial Corporation for the three
months ended  September  30, 2000  totaled  $6,960,000,  declining  $35,000 from
second quarter levels.  As noted  previously,  the Company  received an $850,000
reimbursement  during the second quarter from an insurance carrier pertaining to
a litigation  issue that was settled in the first  quarter.  This  non-recurring
item had the effect of  increasing  second  quarter net income by slightly  more
than $500,000.  Excluding this reimbursement,  third quarter earnings would have
been   approximately   7.3%  higher  than  comparable  second  quarter  amounts.
Year-to-date net income of the Company totaled $18,485,000,  an increase of 5.8%
over 1999  amounts.  Year-to-date  results  excluding the  previously  discussed
litigation  settlement and subsequent  reimbursement would be approximately 9.4%
above comparable 1999 amounts.

NET  INTEREST  INCOME.  Current  year net  interest  income  continues to exceed
comparable  1999  amounts.  Third  quarter net interest  income was  $23,820,000
increasing  13.8% over 1999 third quarter  amounts.  However,  third quarter net
interest  income  amounts were  $262,000  less than  comparable  second  quarter
amounts. The reduction in net interest income was a function of both declines in
average  interest-earning  assets  and  compression  in the  Company's  interest
spread.

As noted in its second quarter  filing,  the Company's loan growth  moderated in
the second quarter.  During the third quarter, the Company recorded a decline in
average  loans.  The Company  ended the third quarter with  period-end  loans of
$1,686,349,000,  a decline of $31 million  from the  beginning  of the  quarter.
While the Company  typically  records a lesser  amount of loan growth during the
third quarter due to seasonal factors, other factors also impacted the Company's
third quarter loan  outstandings  this year.  The Company  recorded a decline of
approximately $13 million in its commercial portfolio in the third quarter, as a
sizeable  customer of one of the Company's  subsidiary banks moved its business,
and many of the Company's  customers indicated a somewhat more cautious approach
to business  expansion.  The Company has continued to reduce its automobile loan
origination activity, resulting in a decline of $19.3 million in its installment
loan (excluding credit card) portfolio. As a result of the reduction in the loan
portfolio,  the Company's average interest-earning assets declined $18.6 million
from  second  quarter  levels.  With loans  comprising  a lesser  percentage  of
interest-earning assets, the Company also recorded a five basis point decline in
its interest spread.

Yields on average  interest-earning  assets  increased  twenty points during the
quarter ended  September 30, 2000. The fifty basis point increase by the Federal
Reserve in mid-May  impacted  credit card yields in the third quarter,  as loans
written with quarterly  adjustments  repriced upward.  In addition,  installment
loans  originated by the Company in the third quarter  carried  higher  interest
rates  than  those  that  paid-off  during  the same  period.  Offsetting  these
increases  to a  modest  degree,  was the fact  that  loans  comprised  a lesser
percentage of interest-earning  assets in the third quarter. Loans comprised 78%
of average  interest-earning  assets in the third quarter,  compared to 78.4% in
the second quarter.

Funding  costs  also  rose  during  the  quarter.  The cost of  interest-bearing
liabilities  was  twenty-five  basis points  higher than the  comparable  second
quarter amount.  The Company  anticipates  that it will continue to see pressure
with respect to funding  costs for the  remainder of the year,  as its principal
markets remain quite  competitive  with respect to the  acquisition of deposits.
Average  interest-bearing  liabilities declined approximately $21 million in the
third  quarter.  However,  the  reduction  in loan volume was  greater  than the
decline  recorded  in  deposits,  so the Company was able to reduce its level of
Federal Home Loan Bank borrowings.

As a result  of the  competitive  market  for  funds,  the  Company  anticipates
compression in its interest margin throughout the remainder of the year.

PROVISION FOR LOAN LOSSES.  The Company  recorded a provision for loan losses of
$2,655,000 in the third quarter,  equal to the amount  recorded in the preceding
quarter and $375,000 less than the amount recorded in the third quarter of 1999.
Charge-offs in the third quarter increased $296,000 from second quarter amounts.
Year-to-date  charge-offs this year total $7,299,000,  increasing nominally from
comparable prior year amounts. The quarter-over-quarter change in charge-offs is
due principally to a charge-off recorded in the third quarter on an agricultural
credit.  Nonaccrual and past due loans increased $1,651,000 this quarter.  These
loans  comprised  .39% of total loans at September  30, 2000  increasing  eleven
basis points from prior quarter  amounts.  There was no  particular  industry or
segment of the loan  portfolio that accounted for the increase in nonaccrual and
past due loans.  The credits that were downgraded this quarter were in different
geographic markets and in different industries.

The Company's allowance for loan losses at September 30, 2000 was equal to 1.68%
of total loans and 433% of loans considered risk elements. Comparable amounts at
June 30, 2000 and  December  31,  1999 were 1.62% and 570%,  and 1.60% and 624%,
respectively. All segments of the loan portfolio are generally performing as had
been expected.  As noted above,  the majority of the commercial  lending segment
charge-offs arose from the charge-off of one credit in the agricultural  segment
of the portfolio, and loans placed on nonaccrual status have come from different
geographical areas and various industries.  Management will continue to actively
review the activity in its loan  portfolio to ensure that the provision for loan
losses and resultant  allowance for loan losses remain adequate to appropriately
address  the  credit  risk  existing  in the  portfolio.  Should  the  Company's
assessment of its credit risk for the fourth quarter remain consistent with that
experienced to date, it is expected that the 2000 provision for loan losses will
be approximately equal to the amount recorded in 1999.


Summary of Loan Loss Experience (in thousands of dollars)
--------------------------------------------------------------------------------
                                                            September 30,
                                                         2000           1999
--------------------------------------------------------------------------------
Amount of loans at period-end                         $1,686,349     $1,561,290
------------------------------------------------------==========================

YTD Average loans outstanding                         $1,700,782     $1,499,967
------------------------------------------------------==========================

Beginning balance of allowance for loan losses           $26,010        $21,703
Allowance acquired related to loans purchased                  0            310

Loans charged-off
   Commercial, Financial and Agricultural                  2,531          2,562
   Real Estate-Construction                                   40              0
   Real Estate-Mortgage                                        0             14
   Credit Card                                             3,450          3,343
   Installment                                             1,278          1,264
--------------------------------------------------------------------------------
Total loans charged off                                    7,299          7,183
--------------------------------------------------------------------------------

Recoveries on charge-offs
   Commercial, Financial and Agricultural                    419            418
   Real Estate-Mortgage                                       21             19
   Credit Card                                               838            784
   Installment                                               317            390
--------------------------------------------------------------------------------
Total recoveries                                           1,595          1,611
--------------------------------------------------------------------------------

Net loans charged off                                      5,704          5,572

Provision charged to expense                               7,965          8,340
--------------------------------------------------------------------------------

Ending balance of allowance for loan losses              $28,271        $24,781
------------------------------------------------------==========================

Net charge-offs/average loans                              0.34%          0.37%
------------------------------------------------------==========================

Allowance for loan losses/loans at period-end              1.68%          1.59%
------------------------------------------------------==========================

The accompanying  table summarizes,  by type, the Company's  outstanding  loans,
excluding loans  held-for-sale.  Installment loans are principally  comprised of
loans secured by automobiles (in thousands of dollars).

                                          September 30, 2000   December 31, 1999
--------------------------------------------------------------------------------
                                                    Percent             Percent
                                            Amount  of Total    Amount  of Total
--------------------------------------------------------------------------------
Commercial, Financial  and Agricultural  $  759,693    45.0% $  775,027    47.8%
Real Estate-Construction                     63,739     3.8      63,112     3.9
Real Estate-Mortgage                        452,082    26.8     326,174    20.1
Installment, excluding credit card          284,803    16.9     330,732    20.4
Credit card                                 126,032     7.5     127,159     7.8
--------------------------------------------------------------------------------
  Subtotal                                1,686,349   100.0%  1,622,204   100.0%
Allowance for loan losses                   (28,271)            (26,010)
--------------------------------------------------------------------------------
  Total                                  $1,658,078          $1,596,194
------------------------------------------======================================

As noted above,  loans considered risk elements increased slightly this quarter.
These loans  comprised  .39% of total loans,  compared to .28% of total loans at
June 30, 2000 and .26% of total loans at December  31, 1999.  Management  is not
aware of issues that would  significantly  impact the credit quality of the loan
portfolio  in 2000.  Management  believes  the  allowance  for loan losses to be
adequate at this time.


                                                September 30,       December 31,
        (in thousands of dollars)                   2000               1999
--------------------------------------------------------------------------------
        Loan Categories
             Nonaccrual Loans                      $4,634             $3,063
             Past Due 90 days or more               1,890              1,105
--------------------------------------------------------------------------------
        Total                                      $6,524             $4,168
------------------------------------------------================================

LIQUIDITY AND CAPITAL  RESOURCES.  The Company  considered  its liquidity  level
adequate at September 30, 2000. At the end of the third  quarter,  the Company's
loan/deposit  ratio was 92.8%,  a decline of 2.8% from June 30 levels.  As noted
above, the Company  recorded a decline in loan  outstandings  this quarter.  The
decline in loan demand resulted in an approximate $50 million reduction in other
short-term   borrowings   (principally   Federal   Home   Loan  Bank  of  Topeka
indebtedness) this quarter.

Approximately 75% of the Company's  investment  portfolio is comprised of United
States  government  and  agency  securities,   with  mortgage-backed  securities
representing  another  23% of the  portfolio.  The  Company  maintains  a  short
weighted  average  maturity  in this  portion of its  investment  portfolio.  At
September 30, 2000, the average maturity of United States  government and agency
securities  and  mortgage-backed  securities  was 1 year and 2  months,  and the
average maturity of municipal securities was 3 years and 6 months.

The Company has thoroughly  reviewed its investment  security  portfolio and has
determined that at September 30, 2000, it has the ability and intent to hold all
securities in the portfolio that have been  classified as  held-to-maturity.  As
noted in previous  filings,  the Company has continued to classify  purchases of
United  States  government  and agency  securities  as  available-for-sale.  The
Company  believes  that it has a variety  of  sources  of  additional  liquidity
available.  These  include,  but are not limited to, the  following:  securities
classified as  available-for-sale,  the regularly scheduled  maturities of those
securities  presently held in its investment  portfolio,  the  securitization of
credit card receivables,  the ability to securitize other  receivables,  such as
automobile  loans,  and federal funds lines  available  through other  financial
institutions. The Company believes these sources provide sufficient liquidity to
meet  depositors'  needs and make  available  lendable  funds within its service
area.

As has been  disclosed  in  previous  filings,  in  January,  1998,  a statutory
business trust of the Company issued  $57,500,000 in cumulative  trust preferred
securities.  These  preferred  securities,  which  qualify as Tier 1 capital for
regulatory  reporting  purposes,  have a  distribution  rate of 8.24%,  and will
mature on January  31,  2028,  unless  called or extended  by the  Company.  The
Company owns 100% of the common  stock of the trust,  and the only assets of the
trust consist of the 8.24%  subordinated  debentures due January 31, 2028 issued
by the Company to the trust.  The Company has issued Back-up  Obligations to the
trust, which, when taken in the aggregate, constitute the full and unconditional
guarantee by the Company of all of the trust's  obligations  under the preferred
securities.

The  Company's  capital  position   continues  to  exceed   regulatory   capital
requirements.  The Company  must  maintain a minimum  ratio of total  capital to
risk-weighted assets of 8%, of which at least 4% must qualify as Tier 1 capital.
At September 30, 2000, the Company's total capital to risk-weighted assets ratio
was 11.3% and its Tier 1 capital to risk-weighted assets ratio was 9.9%.

In addition to the aforementioned regulatory requirements, each of the Company's
subsidiary banks met all capital ratios required at the individual bank level.

OTHER  INCOME  AND OTHER  EXPENSE.  Third  quarter  noninterest  income  totaled
$12,392,000,  declining  $138,000,  or 1.1% from second  quarter  levels.  Total
noninterest  income in the third  quarter did increase 3% over  comparable  1999
amounts.  While  the  Company  recorded  nominal  increases  in  most  areas  of
noninterest income, these increases were more than offset by a quarterly decline
in other service charges,  fees and income.  As discussed  below,  third quarter
revenues  at two of the  Company's  non-bank  subsidiaries  declined  from prior
quarter levels.

Service charges on deposit  accounts  increased 1.9% this quarter,  and were 10%
higher than comparable  prior year amounts.  As noted in previous  filings,  the
year-over-year  increase  is due in large  part to the  increase  in  number  of
accounts  serviced  arising  from the  accounts  acquired  by the Company in its
purchase  in  September,  1999  of the  Kansas  branches  of  another  financial
institution.  Third quarter  account  activity  continued to grow at the same 2%
annualized  rate recorded  during the first two quarters of the year. OD and NSF
volumes  continued to increase in the third quarter,  although at a slower rate.
OD and NSF fees for the quarter ended September 30, 2000 were  approximately  5%
higher than comparable second quarter amounts.

Fiduciary  income  continued  to  show a  year-over-year  decline  in the  third
quarter,  as current  quarter revenue totals were 7.1% less than comparable 1999
amounts.  However,  the Company did reverse the declining revenue trend in place
for the first half of the year.  Third quarter  fiduciary income was 2.2% higher
than comparable second quarter amounts. Assets under management at September 30,
2000 were  approximately  4% greater than comparable June 30, 2000 amounts,  but
remain 3% less than September 30, 1999 levels.

Quarterly  credit card fees  recorded a  year-over-year  increase of 14.7%,  and
increased  5.5% over  second  quarter  amounts.  A  greater  amount of cash flow
arising  from the  Company's  securitized  credit card  accounts  generated  the
majority of the quarterly increase in credit card fees. No significant quarterly
changes were recorded in either merchant fees or other credit card fees.

As noted in previous filings,  the Company does not engage in securities trading
activity.  The securities gains recorded in 1999 were the result of nonrecurring
transactions. There have been no similar transactions in 2000.

Other service charges,  fees and income recognized in the third quarter declined
$415,000 from second quarter levels and declined  nominally from comparable 1999
amounts.  Quarterly revenue at the Company's broker/dealer subsidiary and at its
actuarial  service and recordkeeping  subsidiary  declined from comparable prior
quarter amounts by  approximately  $170,000.  The Company also recorded  reduced
letter of credit fee and credit life  commission  revenue in the third  quarter.
ATM fees,  after  increasing 15% in the second  quarter,  were flat in the third
quarter.  Other revenue sources in this line item caption showed little increase
when compared to second quarter amounts.

Total noninterest expense in the third quarter increased $1,641,000, or 8%, over
comparable prior year amounts.  Quarterly noninterest expense, however, declined
$261,000  from  second  quarter   amounts.   While  the  Company's   advertising
expenditures in the third quarter declined $692,000,  second quarter noninterest
expense was reduced by an $850,000 insurance reimbursement that was described in
the Company's  previous  quarterly  filing.  The comparability of year-over-year
changes in many  noninterest  expense line items continues to be impacted by the
additional  volumes  attributable  to the  acquisition of the Kansas branches of
another financial institution described above.

Salaries  and  employee  benefit  costs  in the  third  quarter  have  increased
$1,169,000,  or 11.4% over comparable 1999 amounts,  but declined  $156,000 from
second quarter levels.  $654,000 of the year-over-year  increase is attributable
to staffing costs associated with the new locations acquired in 1999. Absent the
impact  of the new  locations,  the  year-over-year  increase  in  salaries  and
employee benefit costs would have been 5%.  Approximately  20% of this remaining
increase is due to the Company's  enhancement of its tuition  assistance program
and increased health insurance costs.

Professional service costs, while little-changed from quarterly amounts recorded
in 1999, increased  significantly from second quarter amounts.  However,  second
quarter  amounts were impacted by the  previously-disclosed  $850,000  insurance
reimbursement. Excluding the effect of this reimbursement, quarterly costs would
have  increased  18.6%.  This increase is due solely to a consulting  initiative
presently  underway at one of the Company's  banking  subsidiaries.  The Company
anticipates  that these  costs  will  remain  somewhat  higher  than  historical
averages through the fourth quarter, at which time the consulting project should
be concluded.

The  year-over-year  increase in net occupancy and equipment expense of $175,000
is due to costs incurred at the Company's new  locations.  As has been discussed
in previous  filings,  the Company has undertaken a major  advertising  campaign
this year, and has  substantially  increased its  advertising  expenditures.  As
noted in previous  filings,  the Company  anticipated a reduction in advertising
costs from second quarter  levels.  Third quarter  advertising  and  promotional
expense declined $692,000 from prior quarter levels, and the Company anticipates
fourth  quarter  advertising  costs  will  also  decline.  As  discussed  above,
increased  account volumes have resulted in increased data processing,  supplies
and  postage  costs.  Additionally,  the  Company  presently  has  a  number  of
initiatives  underway in the technology area.  Efforts  associated with updating
the Company's retail Internet site were substantially completed during the third
quarter,  but other  development  projects  will  continue  for the  foreseeable
future.

The year-over-year  increase in goodwill amortization was $148,000.  This is due
solely to the goodwill recorded in the branch acquisition  discussed  elsewhere.
The year-over-year  decline in other noninterest expense arises from a reduction
in net credit card interchange costs and rebates received on the assessments due
on certain credit card products.

NEW ACCOUNTING  STANDARDS.  Statement of Financial Accounting Standards No. 133,
"Accounting  for Derivative  Instruments  and Hedging  Activities",  establishes
accounting and reporting standards for derivative instruments, including certain
derivative  instruments  embedded in other contracts and for hedging activities.
This  Statement is effective for all fiscal  quarters of fiscal years  beginning
after June 15, 2000.

The Company does not  anticipate  that adoption of Statement No. 133 will have a
material impact on its operating results or its financial condition.

FORWARD-LOOKING   STATEMENTS.   This  10-Q  contains   various   forward-looking
statements and includes assumptions concerning the Company's operations,  future
results and  prospects.  These  forward-looking  statements are based on current
expectations,  are subject to risk and uncertainties and the Company  undertakes
no obligation to update any such  statement to reflect  later  developments.  In
connection  with  the  "safe  harbor"   provisions  of  the  Private  Securities
Litigation  Reform Act of 1995,  the Company  provides the following  cautionary
statement identifying important economic,  political and technological  factors,
among others,  the absence of which could cause the actual  results or events to
differ  materially  from those set forth in or  implied  by the  forward-looking
statements and related assumptions.

Such  factors  include  the  following:  (i)  continuation  of the  current  and
projected future business environment,  including interest rates and capital and
consumer spending;  (ii) competitive factors and competitor responses to Company
initiatives;   (iii)   successful   development  and  market   introductions  of
anticipated  new products;  (iv) stability of government  laws and  regulations,
including taxes; and (v) trends in the banking industry.


<PAGE>


                            PART 2. OTHER INFORMATION



Item 6(b). Exhibits and Reports on Form 8-K.

            (a) Exhibits
                Exhibit No.                   Description
                   27                    Financial Data Schedule

            (b) There were no reports on Form 8-K filed  during the  quarter for
                which this report is filed.




SIGNATURES


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


INTRUST Financial Corporation




Date:  November 13, 2000                   By: /s/ C.Q. Chandler IV
                                           ------------------------
                                               C.Q. Chandler IV
                                               President
                                               (Principal Executive Officer)




Date:  November 13, 2000                   By: /s/ Jay L. Smith
                                           --------------------
                                               Jay L. Smith
                                               Chief Financial Officer
                                               (Principal Accounting Officer)


<PAGE>



EXHIBIT INDEX


       Number                Description
       ------                -----------
        27                   Financial Data Schedule



<PAGE>