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 June 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 July 19, 2000, there were 2,373,484 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)

                                                       June 30,   December 31,
Assets                                                   2000         1999
--------------------------------------------------------------------------------
Cash and cash equivalents:
   Cash and due from banks                            $  110,845   $ 109,548
   Federal funds sold and securities purchased
     under agreements to resell                           12,350      46,240
--------------------------------------------------------------------------------
        Total cash and cash equivalents                  123,195     155,788
--------------------------------------------------------------------------------
Investment securities:
   Held-to-maturity at cost (market value, $49,119
    for 2000 and $65,957 for 1999)                        48,855      65,849
   Available-for-sale, at market                         392,303     361,503
--------------------------------------------------------------------------------
        Total investment securities                      441,158     427,352
--------------------------------------------------------------------------------
Loans held-for-sale                                       34,177      32,444
Loans, net of allowance for loan losses of $27,783
 in 2000 and $26,010 in 1999                           1,689,569   1,596,194
Land, buildings and equipment, net                        40,582      38,656
Other assets                                              85,635      88,019
--------------------------------------------------------------------------------
      Total assets                                    $2,414,316  $2,338,453
------------------------------------------------------==========================

Liabilities and Stockholders' Equity
--------------------------------------------------------------------------------
   Deposits                                           $1,796,088  $1,818,476
   Short-term borrowings:
      Federal funds purchased and securities sold
        under agreements to repurchase                   310,142     270,316
      Other                                               60,576      10,392
--------------------------------------------------------------------------------
        Total short-term borrowings                      370,718     280,708
--------------------------------------------------------------------------------

   Accounts payable and accrued liabilities               20,481      17,886
   Notes payable                                          10,000      10,000
   Guaranteed preferred beneficial interests in
     the Company's subordinated debentures                57,500      57,500
--------------------------------------------------------------------------------
          Total liabilities                            2,254,787   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                                     164,600     156,653
   Treasury stock, at cost (410,166 shares in
     2000 and 391,498 shares in 1999)                    (38,506)    (35,965)
   Accumulated other comprehensive loss                   (2,155)     (2,396)
--------------------------------------------------------------------------------
          Total stockholders' equity                     159,529     153,883
--------------------------------------------------------------------------------
      Total liabilities and stockholders' equity      $2,414,316  $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       Six Months
                                               Ended June 30,    Ended June 30,
                                            ------------------------------------
                                               2000     1999     2000     1999
--------------------------------------------------------------------------------
Interest income:
   Loans                                     $38,728  $32,377  $75,011  $62,822
   Investment securities                       6,766    5,078   13,192   10,551
   Federal funds sold and securities
    purchased under agreements to resell,
    and other                                    505      350    1,253      951
--------------------------------------------------------------------------------
       Total interest income                  45,999   37,805   89,456   74,324
--------------------------------------------------------------------------------
Interest expense:
   Deposits                                   15,773   12,822   31,103   25,399
   Federal funds purchased and securities
    sold under agreement to repurchase         4,363    2,686    8,049    5,255
   Convertible capital notes                       0      242        0      483
   Subordinated debentures                     1,185    1,184    2,369    2,369
   Other borrowings                              596      287      900      580
--------------------------------------------------------------------------------
       Total interest expense                 21,917   17,221   42,421   34,086
--------------------------------------------------------------------------------
       Net interest income                    24,082   20,584   47,035   40,238
Provision for loan losses                      2,655    3,030    5,310    5,310
--------------------------------------------------------------------------------
       Net interest income after provision
         for loan losses                      21,427   17,554   41,725   34,928
--------------------------------------------------------------------------------
Noninterest income:
   Service charges on deposit accounts         3,445    3,032    6,672    5,782
   Fiduciary income                            3,078    3,317    6,237    6,564
   Credit card fees                            2,620    2,178    5,036    4,365
   Securities gains                                0      378        0      541
   Other service charges, fees and income      3,387    2,924    6,377    5,673
--------------------------------------------------------------------------------
       Total noninterest income               12,530   11,829   24,322   22,925
--------------------------------------------------------------------------------
Noninterest expenses:
   Salaries and employee benefits             11,600    9,966   23,195   19,965
   Professional services                          37      862    2,984    1,699
   Net occupancy and equipment expense         2,919    2,542    5,734    4,934
   Advertising and promotional activities      1,678      861    2,917    1,761
   Data processing expense                     1,388    1,088    2,675    2,176
   Supplies                                      666      573    1,335    1,113
   Postage and dispatch                          621      542    1,292    1,036
   Goodwill amortization                         654      403    1,307      806
   Deposit insurance assessment                   98       64      197      127
   Other                                       2,727    2,664    5,129    5,092
--------------------------------------------------------------------------------
       Total noninterest expenses             22,388   19,565   46,765   38,709
--------------------------------------------------------------------------------
       Income before provision for
         income taxes                         11,569    9,818   19,282   19,144
Provision for income taxes                     4,574    3,832    7,757    7,458
--------------------------------------------------------------------------------
       Net income                              6,995    5,986   11,525   11,686
Other comprehensive income (loss)                601   (1,001)     241   (1,512)
--------------------------------------------------------------------------------
       Comprehensive income                  $ 7,596  $ 4,985  $11,766  $10,174
---------------------------------------------===================================
Per share data:
   Basic earnings per share                    $2.94    $2.95    $4.84    $5.75
---------------------------------------------===================================
   Diluted earnings per share                  $2.90    $2.53    $4.78    $4.93
---------------------------------------------===================================
Cash Dividends                                 $0.75    $0.60    $1.50    $1.20
---------------------------------------------===================================

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)
                                                             Six Months Ended
                                                                 June 30
                                                         -----------------------
                                                            2000         1999
--------------------------------------------------------------------------------
Cash provided (absorbed) by operating activities:
 Net Income                                              $  11,525    $  11,686
Adjustments to reconcile net income to net cash
  provided by operating activities:
   Provision for loan losses                                 5,310        5,310
   Provision for depreciation and amortization               4,520        3,621
   Amortization of premium and accretion of
     discount on investment securities                        (492)         (32)
   Gain on sale of investment securities                         0         (541)
   Loss on retirement of convertible capital notes               0          155
   Changes in assets and liabilities:
    Loans held for sale                                     (1,733)       3,883
    Prepaid expenses and other assets                       (1,385)        (758)
    Income taxes                                             4,780        1,083
    Interest receivable                                     (2,797)        (674)
    Interest payable                                         2,377        4,135
    Other liabilities                                          453         (336)
    Other                                                       (6)          19
--------------------------------------------------------------------------------
     Net cash provided by operating activities              22,552       27,551
--------------------------------------------------------------------------------
Cash provided (absorbed) by investing activities:
   Purchase of investment securities                       (86,394)     (77,115)
   Investment securities matured or called                  73,481      106,784
   Proceeds from sale of investment securities                   0          592
   Net increase in loans                                   (99,509)    (143,932)
   Purchases of land, buildings and equipment               (4,782)      (3,326)
   Proceeds from sale of equipment                             128           10
   Proceeds from sale of other real estate
     and repossessions                                         979          625
   Other                                                      (551)        (732)
--------------------------------------------------------------------------------
     Net cash absorbed by investing activities            (116,648)    (117,094)
--------------------------------------------------------------------------------
Cash provided (absorbed) by financing activities:
   Net decrease in deposits                                (22,388)     (28,719)
   Net increase in short-term borrowings                    90,010       53,244
   Retirement of convertible capital notes                      (1)        (201)
   Cash dividends                                           (3,577)      (2,440)
   Purchase of treasury stock                               (2,541)        (637)
--------------------------------------------------------------------------------
     Net cash provided by financing activities              61,503       21,247
--------------------------------------------------------------------------------
       Decrease in cash and cash equivalents               (32,593)     (68,296)

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

Cash and cash equivalents at end of period                $123,195     $132,310
----------------------------------------------------------======================

Supplemental disclosures
   Interest paid                                           $40,044      $29,951
   Income tax paid                                         $ 2,957        6,353

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 six months
ended June 30, 2000 and 1999 (in thousands):


                                                           2000        1999
   --------------------------------------------------------------------------
   Balance, January 1                                    $26,010     $21,703
   Additions:
     Provision for loan losses                             5,310       5,310
   --------------------------------------------------------------------------
                                                          31,320      27,013
   Deductions:
     Loans charged off                                     4,741       4,570
     Less recoveries on loans
         previously charged off                            1,204       1,065
   --------------------------------------------------------------------------
     Net loan losses                                       3,537       3,505
   --------------------------------------------------------------------------
   Balance, June 30                                      $27,783     $23,508
   ------------------------------------------------------====================


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
$444,000 and $83,000 at June 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:



                                                             Six Months Ended
                                                                 June 30
--------------------------------------------------------------------------------
                                                              2000        1999
--------------------------------------------------------------------------------
Net income for basic earnings per share                     $11,525     $11,686
Interest expense on convertible debt, net of taxes                0         299
--------------------------------------------------------------------------------
Net income for diluted earnings per share                   $11,525     $11,985
----------------------------------------------------------======================

Weighted average shares for basic earnings per share      2,380,973   2,032,792
Shares issuable upon exercise of stock options               29,063      39,564
Shares issuable upon conversion of capital notes                  0     359,055
--------------------------------------------------------------------------------
Weighted average shares for diluted earnings per share    2,410,036   2,431,411
----------------------------------------------------------======================


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 the measurement of profit or
loss since the last annual report.

There has been no  material  change in total  segment  assets or in the basis of
segmentation since the last annual report.  However, as a result of changes made
in the Company's management reporting structure, the Kansas bank offices located
in  communities  outside of the Wichita,  Kansas  metropolitan  area,  that were
previously  reported  within the  community  banking  segment,  are now reported
within the consumer and commercial banking segments.  Reporting for the Oklahoma
bank offices remains in the community  banking  segment.  The following  segment
information has been restated, for all periods presented, to reflect this change
(in thousands):

                                                       Six Months Ended
                                                            June 30,
                                                      2000          1999
 -------------------------------------------------------------------------------
 Revenues from external customers
    Consumer banking                                     $43,360      $44,192
    Commercial banking                                    19,681       16,385
    Wealth management                                      8,031        7,839
    Community banking                                      3,167        3,190

 Intercompany revenues
    Consumer banking                                     $  (139)     $(4,918)
    Commercial banking                                         0            0
    Wealth management                                        229          213
    Community banking                                        445          292

 Segment profit
    Consumer banking                                     $11,309      $11,531
    Commercial banking                                    10,228        8,969
    Wealth management                                      1,684        1,961
    Community banking                                      1,169        1,083
 -------------------------------------------------------------------------------
       Profit from segments                               24,390       23,544
       Expenses at corporate level not allocated
         to segments                                      (5,108)      (4,400)
 -------------------------------------------------------------------------------
       Consolidated income before tax                    $19,282      $19,144
 --------------------------------------------------------=======================

<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 June 30, 2000 totaled  $6,995,000,  establishing  a new  quarterly
record for the Company.  Net income increased 16.9% over the comparable  quarter
of 1999, and represents a 54.4%  improvement  over first quarter  earnings.  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. In addition, the Company's net interest income improved $1,129,000 from
first  quarter  levels,  and increases in  noninterest  expense  (excluding  the
quarter-over-quarter  changes arising from the aforementioned  litigation issue)
were more than offset by growth in noninterest income.

NET INTEREST INCOME.  Net interest income increased  $3,498,000,  or 17.0%, over
prior year levels, as average  interest-earning  assets increased  approximately
13.4% over comparable  prior year amounts,  and the Company  recorded a 10 basis
point  increase  in  its  year-over-year  interest  spread.  While  the  Company
continued  to record loan growth in the second  quarter,  the rate of growth did
moderate.  After  increasing 3.8% in the first quarter,  average loans increased
2.9% during the second quarter.  Continuing recent trends,  the majority of this
growth  occurred in the  Company's  commercial  loan  portfolio.  The  quarterly
improvement  in net interest  income was driven by increases in both volumes and
interest spreads. Average interest-earning assets in the second quarter exceeded
first quarter amounts by approximately  $41 million,  and the Company recorded a
six basis point improvement in its interest spread.

Yields on average  interest-earning  assets  increased  thirty-one  basis points
during the quarter ended June 30, 2000. The Federal  Reserve  twenty-five  basis
point  increase on March 21 and the fifty basis point  increase in mid-May  were
the  principal  reasons for the increase in yields.  The  Company's  loan growth
continues to modestly  impact the  composition of its  interest-earning  assets.
Loans  comprised 78% of average  interest-earning  assets in the second quarter.
This is an increase of one percent,  and follows an increase of a similar amount
in the first quarter of this year.

Funding  costs  also  rose  during  the  quarter.  The cost of  interest-bearing
liabilities  was  twenty-five  basis  points  higher than the  comparable  first
quarter amounts.  The Company  anticipates that it will continue to see pressure
with  respect  to  funding  costs  for  the  remainder  of  the  year.   Average
interest-bearing  deposits in the second quarter were relatively  unchanged from
first quarter amounts,  and total deposits at quarter-end actually experienced a
quarter-over-quarter  decline. The Company typically sees a reduction in deposit
balances after income tax payments are processed in April.  The effect this year
was more pronounced, and the Company recorded a quarter-over-quarter  decline in
total  deposits  of  $59,608,000.  As a result of the decline in  deposits,  the
Company  increased  its  borrowings  from the Federal  Home Loan Bank of Topeka.
These  borrowings  typically  carry a higher rate of interest  than  traditional
deposit products.

The Company  believes  its  principal  markets  will  continue  to remain  quite
competitive.  As a result, the Company  anticipates  compression in its interest
margin during the remainder of the year.

PROVISION FOR LOAN LOSSES.  The Company  recorded a provision for loan losses of
$2,655,000 in the second quarter,  equal to the amount recorded in the preceding
quarter and  $375,000  less than the amount  recorded  in the second  quarter of
1999.  Charge-offs in the second quarter totaled $2,262,000,  declining slightly
from the first  quarter  amount of  $2,479,000.  This  represents  a decline  of
$440,000  from  comparable  prior year  amounts.  Nonaccrual  and past due loans
increased $591,000 from prior quarter totals.  This increase was due principally
to the  downgrade of one credit in the retail  industry.  These loans  comprised
 .28% of total loans at June 30, 2000,  and .26% of total loans at March 31, 2000
and December 31, 1999.  The Company has noted no trends  during the quarter that
would point to particular  exposure  issues with respect to a given  industry or
segment of the loan portfolio.

The  Company's  allowance for loan losses at June 30, 2000 was equal to 1.62% of
total loans and 570% of loans  considered risk elements.  Comparable  amounts at
March 31, 2000 and  December  31, 1999 were 1.61% and 627%,  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 retail  industry.
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 rest of
the year 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.

<PAGE>

Summary of Loan Loss Experience (in thousands of dollars)
--------------------------------------------------------------------------------
                                                               June 30,
                                                         2000           1999
--------------------------------------------------------------------------------
Amount of loans at period-end                         $1,717,352     $1,554,338
-----------------------------------------------------===========================

YTD Average loans outstanding                         $1,667,764     $1,477,805
-----------------------------------------------------===========================

Beginning balance of allowance for loan losses           $26,010        $21,703

Loans charged-off
   Commercial, Financial and Agricultural                  1,584          1,427
   Real Estate-Construction                                   40              0
   Credit Card                                             2,292          2,280
   Installment                                               825            863
--------------------------------------------------------------------------------
Total loans charged off                                    4,741          4,570
--------------------------------------------------------------------------------

Recoveries on charge-offs
   Commercial, Financial and Agricultural                    340            298
   Real Estate-Mortgage                                       19              6
   Credit Card                                               602            492
   Installment                                               243            269
--------------------------------------------------------------------------------
Total recoveries                                           1,204          1,065
--------------------------------------------------------------------------------

Net loans charged off                                      3,537          3,505

Provision charged to expense                               5,310          5,310
--------------------------------------------------------------------------------

Ending balance of allowance for loan losses              $27,783        $23,508
-----------------------------------------------------===========================

Net charge-offs/average loans                              0.21%          0.24%
-----------------------------------------------------===========================
Allowance for loan losses/loans at period-end              1.62%          1.51%
-----------------------------------------------------===========================

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).

                                        June 30, 2000         December 31, 1999
--------------------------------------------------------------------------------
                                                  Percent               Percent
                                       Amount     of Total    Amount    of Total
--------------------------------------------------------------------------------
Commercial, Financial
  and Agricultural                   $  824,618     48.0%   $  775,027    47.8%
Real Estate-Construction                 64,575      3.8        63,112     3.9
Real Estate-Mortgage                    399,737     23.3       326,174    20.1
Installment, excluding credit card      304,160     17.7       330,732    20.4
Credit card                             124,262      7.2       127,159     7.8
--------------------------------------------------------------------------------
  Subtotal                            1,717,352    100.0%    1,622,204   100.0%
Allowance for loan losses               (27,783)               (26,010)
--------------------------------------------------------------------------------
  Total                              $1,689,569             $1,596,194
-------------------------------------===========================================

As noted above,  loans considered risk elements increased slightly this quarter.
These loans  comprised  .28% of total loans,  compared to .26% of total loans at
both December 31, 1999 and March 31, 2000, respectively. 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.

                                                     June, 30       December 31,
        (in thousands of dollars)                      2000             1999
--------------------------------------------------------------------------------
        Loan Categories
             Nonaccrual Loans                         $3,670           $3,063
             Past Due 90 days or more                  1,203            1,105
--------------------------------------------------------------------------------
        Total                                         $4,873           $4,168
----------------------------------------------------============================

LIQUIDITY AND CAPITAL  RESOURCES.  The Company  considered  its liquidity  level
adequate at June 30,  2000.  Loan  growth,  coupled with the decline in deposits
referred to above,  resulted in the Company's  loan/deposit  ratio increasing to
95.6% at June 30,  2000.  Comparable  amounts at March 31, 2000 and December 31,
1999 were 89.6% and 89.2%,  respectively.  As noted in previous filings,  one of
the  Company's  subsidiaries  became a member of the  Federal  Home Loan Bank of
Topeka during the first quarter of 2000.  The increase in short-term  borrowings
in the  accompanying  balance  sheet  is due  principally  to that  subsidiary's
borrowings  from the FHLB. In addition to FHLB borrowing  capacity,  the Company
maintains  a variety of funding  sources,  including  core-deposit  acquisition,
federal funds  purchases,  acquisition of public funds and the normal run-off of
interest-earning assets.

Approximately 72% of the Company's  investment  portfolio is comprised of United
States  government  and  agency  securities,   with  mortgage-backed  securities
representing  another  24% of the  portfolio.  The  Company  maintains  a  short
weighted average maturity in this portion of its investment  portfolio.  At June
30, 2000, the average maturity of United States government and agency securities
and mortgage-backed securities was 1 year and 4 months, and the average maturity
of municipal securities was 3 years and 5 months.

The Company has thoroughly  reviewed its investment  security  portfolio and has
determined  that at June 30,  2000,  it has the  ability  and intent to hold all
securities in the portfolio that have been classified as held-to-maturity.  With
the  increases  the  Company  has  experienced  in its  loan  portfolio,  it 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 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 June 30, 2000, the Company's total capital to risk-weighted  assets ratio was
10.7% and its Tier 1 capital to risk-weighted assets ratio was 9.2%.

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. Second quarter noninterest income increased 6.3%
over first quarter amounts,  totaling  $12,530,000.  Excluding  securities gains
recorded in the second quarter of 1999, noninterest income in the second quarter
increased  9.4% over  comparable  1999 amounts.  With the exception of fiduciary
income,  the  Company  recorded  quarter-over-quarter  growth  in all  areas  of
noninterest income.

Second  quarter  service  charges  on  deposit  accounts  increased  13.6%  over
comparable  prior year  amounts.  The  Company  has  recorded  a  year-over-year
increase of approximately 22% in the number of deposit accounts  serviced,  with
most of that increase  arising from the accounts  acquired by the Company in its
purchase  in  September,  1999  of the  Kansas  branches  of  another  financial
institution.  The Company has recorded only a nominal  increase in the number of
accounts serviced during the year. Through the first six months of the year, the
number of accounts serviced grew at an annualized rate of 2%. OD and NSF volumes
have  continued  to increase  during 2000.  This source of fee income  increased
13.4%  over  first  quarter  amounts,  and  increased  $262,000  over the amount
recorded in the second quarter of 1999.

Fiduciary income declined again in the second quarter, as activity in the equity
markets  resulted  in  further  declines  in the value of assets  managed by the
Company.  Revenues from  fiduciary  activities  declined 2.6% from first quarter
levels and were 7.2% less than comparable 1999 amounts. The Company did record a
modest increase in assets under management  during the month of June,  reversing
the trend that has occurred for much of the year.

Quarterly  credit card fees  recorded a  year-over-year  increase of 20.3%,  and
increased  8.4%  over  first  quarter  amounts.  Approximately  one-half  of the
quarterly  increase is  attributable to increased  merchant  activity during the
second quarter, while the year-over-year  increase arises from repricing efforts
initiated in 1999 and continuing  this year. The Company also recorded a greater
amount of cash flow from its  securitized  credit  card  accounts  in the second
quarter, resulting in a quarterly increase in revenue of $55,000.


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,  after declining  $126,000 in the first
quarter,  increased 13.3% in the second quarter.  ATM activity levels  increased
during the second quarter, resulting in a 15% increase in fees from this revenue
source.  Letter of credit transaction  activity also increased during the second
quarter.  Additional  volumes resulted in a $49,000 increase in letter of credit
fee income. INTRUST Financial Services, the Company's broker-dealer  subsidiary,
continues  to  report  increased  revenues.  After  reporting  a  first  quarter
year-over-year  revenue increase of $254,000,  second quarter revenues  exceeded
those of the comparable period in 1999 by approximately $300,000.

Total noninterest expense in the second quarter increased $2,823,000,  or 14.4%,
over   comparable   prior  year  amounts.   Excluding  the  $850,000   insurance
reimbursement  that was recorded as a reduction in  professional  services cost,
the year-over-year increase would have been $3,673,000.  Approximately one-third
of this increase is attributable to costs associated with the locations acquired
in the  Company's  acquisition  of the  Kansas  branches  of  another  financial
institution  in  September,  1999.  The  Company  has  also  undertaken  a major
advertising  initiative this year, which has resulted in a substantial  increase
in advertising and promotional activities. Data processing, supplies and postage
costs  have all  been  impacted  by the  greater  number  of  accounts  that are
presently being serviced by the Company.

Salaries and employee  benefit  costs,  in the second  quarter,  have  increased
$1,634,000, or 16.4%, over comparable 1999 amounts. $575,000 of this increase is
attributable  to staffing costs  associated  with the new locations  acquired in
1999.  Increases in employee  benefit plan costs were  responsible for 5% of the
increase in total salaries and employee benefit costs.  Employee education costs
increased  $60,000,  and  incentive  plan costs were 45%  higher  than  year-ago
levels. INTRUST Financial Services recorded an increase in salaries and employee
benefit  costs of  $119,000,  as  commission  costs  increased  as a  result  of
increased sales volume.

Net occupancy and equipment  expense  increased  14.8% over 1999 second  quarter
levels,  with  62% of  this  increase  attributable  to  costs  incurred  at the
Company's new  locations.  Much of the  remaining  increase was due to increased
utilities cost and increased equipment  depreciation  expense. As has been noted
in previous  filings,  the Company has undertaken a major  advertising  campaign
this year, and has  substantially  increased its advertising  expenditures.  The
Company anticipates a lesser level of advertising expenditures for the remainder
of 2000.  As  discussed  above,  increased  account  volumes  have  resulted  in
increased data  processing,  supplies and postage  costs.  The number of deposit
accounts serviced by the Company has increased over 21% this year. Additionally,
the Company  presently has a number of  initiatives  underway in the  technology
area.

The year-over-year  increase in goodwill amortization was $251,000.  This is due
solely to the goodwill recorded in the branch acquisition discussed elsewhere.

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:  August 4, 2000                         By: /s/ C.Q. Chandler IV
                                                  ---------------------
                                                  C.Q. Chandler IV
                                                  President
                                                  (Principal Executive Officer)




Date:  August 4, 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>