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 March 31, 1997

                                   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                                67201
    Box One                                              -----
    Wichita, Kansas                                      (Zip Code)
    ---------------                                      
    (Address of principal                                (316) 383-1111   
    executive offices)                                   --------------   
                                                         (Registrant's    
                                                         telephone number)
                                                         


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.  X Yes   No

At April 9, 1997, there were 2,201,110 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)

                                                       March 31,   December 31,
Assets                                                   1997          1996
--------------------------------------------------------------------------------
Cash and cash equivalents:
   Cash and due from banks                            $  143,024    $  123,378
   Federal funds sold and securities purchased
      under agreements to resell                          31,747        61,726
--------------------------------------------------------------------------------
        Total cash and cash equivalents                  174,771       185,104
--------------------------------------------------------------------------------
Investment securities:
   Held-to maturity (market value, $278,352 for 1997
          and $293,098 for 1996)                         278,112       291,404
   Available-for-sale, at market                           1,489         1,498
   Equity, at cost                                         2,686         2,736
--------------------------------------------------------------------------------
        Total investment securities                      282,287       295,638
--------------------------------------------------------------------------------
Loans held-for-sale, net of unrealized losses of
   $24,703 in 1997 and $29,120 in 1996                    97,134       102,063
Loans, net of allowance for loan losses of
   $16,144 in 1997 and $15,536 in 1996                 1,115,054     1,038,576
Land, buildings and equipment, net                        27,980        28,501
Other assets                                              73,356        71,520
--------------------------------------------------------------------------------
      Total assets                                    $1,770,582    $1,721,402
------------------------------------------------------==========================

Liabilities and Stockholders' Equity
--------------------------------------------------------------------------------
   Deposits                                           $1,449,314    $1,428,395
   Short-term borrowings:
      Federal funds purchased and securities sold
        under agreements to repurchase                   130,364       117,726
      Other                                                9,910        11,149
--------------------------------------------------------------------------------
        Total short-term borrowings                      140,274       128,875
--------------------------------------------------------------------------------
   Accounts payable and accrued liabilities               22,494        13,159
   Notes payable                                          21,660        17,660
   Convertible capital notes                              11,219        11,219
--------------------------------------------------------------------------------
          Total liabilities                            1,644,961     1,599,308
--------------------------------------------------------------------------------
Stockholders' equity:
   Common stock, $5 par value; 10,000,000 shares
     authorized, 2,415,071 shares issued                  12,075        12,075
   Capital surplus                                        12,377        12,377
   Retained earnings                                     116,158       112,374
   Treasury stock, at cost (213,961 shares in
         1997 and 210,161 shares in 1996)                (15,046)      (14,799)
   Unrealized securities gains, net of tax                    57            67
--------------------------------------------------------------------------------
          Total stockholders' equity                     125,621       122,094
--------------------------------------------------------------------------------
      Total liabilities and stockholders' equity      $1,770,582    $1,721,402
------------------------------------------------------==========================

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


<PAGE>


                          INTRUST Financial Corporation

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

                                                                Three Months
                                                               Ended March 31,
                                                             ------------------
                                                               1997       1996
--------------------------------------------------------------------------------
Interest income:
   Loans                                                     $25,677    $25,930
   Investment securities                                       4,479      5,176
   Federal funds sold and securities purchased under
      agreements to resell, and other                            696      1,889
--------------------------------------------------------------------------------
       Total interest income                                  30,852     32,995
--------------------------------------------------------------------------------
Interest expense:
   Deposits                                                   11,948     11,767
   Federal funds purchased and securities sold under
      agreement to repurchase                                  1,750      1,659
   Convertible capital notes                                     252        269
   Other borrowings                                              461        429
--------------------------------------------------------------------------------
       Total interest expense                                 14,411     14,124
--------------------------------------------------------------------------------
       Net interest income                                    16,441     18,871
Provision for loan losses                                      1,600      4,015
--------------------------------------------------------------------------------
       Net interest income after provision for loan losses    14,841     14,856
--------------------------------------------------------------------------------
Noninterest income:
   Service charges on deposit accounts                         2,369      2,247
   Trust department fees                                       1,632      1,396
   Credit card fees                                            3,407      2,989
   Other service charges, fees and income                      2,763      1,696
--------------------------------------------------------------------------------
       Total noninterest income                               10,171      8,328
--------------------------------------------------------------------------------
Noninterest expenses:
   Salaries and employee benefits                              8,368      7,810
   Net occupancy and equipment expense                         2,032      2,086
   Data processing expense                                       958        856
   Supplies                                                      513        450
   Deposit insurance assessment                                  (29)        85
   Postage and dispatch                                          569        597
   Advertising and promotional activities                      1,055      1,260
   Goodwill amortization                                         404        399
   Other                                                       3,897      3,259
--------------------------------------------------------------------------------
       Total noninterest expenses                             17,767     16,802
--------------------------------------------------------------------------------
       Income before provision for income taxes                7,245      6,382
Provision for income taxes                                     2,689      2,525
--------------------------------------------------------------------------------
       Net income                                            $ 4,556    $ 3,857
-------------------------------------------------------------===================
Per share data:
   Net income - assuming no dilution                           $2.07      $1.65
-------------------------------------------------------------===================
   Net income - assuming full dilution                         $1.83      $1.48
-------------------------------------------------------------===================
Cash Dividends                                                 $0.35      $0.25
-------------------------------------------------------------===================

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)
                                                           Three Months Ended
                                                                 March 31,
                                                           --------------------
                                                              1997       1996
--------------------------------------------------------------------------------
Cash provided (absorbed) by operating activities:
 Net Income                                                $  4,556   $  3,857
Adjustments to reconcile net income to net
 cash provided by operating activities:
   Provision for loan losses                                  1,600      4,015
   Provision for depreciation and amortization                1,685      1,734
   Amortization of premium and accretion of discount on
         investment securities                                  (77)       104
   Changes in assets and liabilities:
    Loans held for sale                                       4,929      2,118
    Prepaid expenses and other assets                          (450)      (237)
    Income taxes                                              2,674      2,467
    Interest receivable                                      (1,280)      (596)
    Interest payable                                          2,542      1,948
    Other liabilities                                         3,950       (603)
    Other                                                        39         13
--------------------------------------------------------------------------------
  Net cash provided by operating activities                  20,168     14,820
--------------------------------------------------------------------------------
Cash provided (absorbed) by investing activities:
   Purchase of investment securities                        (20,017)   (71,385)
   Investment securities matured or called                   33,439     38,781
   Net increase in loans                                    (78,777)    (2,189)
   Purchases of land, buildings and equipment                  (508)      (531)
   Proceeds from sale of equipment                                0          4
   Proceeds from sale of other real estate
         and repossessions                                      831        915
   Other                                                       (768)       (71)
--------------------------------------------------------------------------------
     Net cash absorbed by investing activities              (65,800)   (34,476)
--------------------------------------------------------------------------------
Cash provided (absorbed) by financing activities:
   Net increase in deposits                                  20,919      7,462
   Net increase in short-term borrowings                     11,399      7,559
   Retirement of convertible capital notes                        0        (29)
   Proceeds from notes payable                                4,000          0
   Cash dividends                                              (772)      (585)
   Purchase of treasury stock                                  (247)      (626)
--------------------------------------------------------------------------------
     Net cash provided by financing activities               35,299     13,781
--------------------------------------------------------------------------------
       Decrease in cash and cash equivalents                (10,333)    (5,875)

Cash and cash equivalents at beginning of period            185,104    214,983
--------------------------------------------------------------------------------
Cash and cash equivalents at end of period                 $174,771   $209,108
-----------------------------------------------------------=====================
Supplemental disclosures
   Interest paid                                            $11,869     $12,176
   Income tax paid                                              $15      $   58

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  1996  INTRUST
Financial  Corporation  Annual  Report on Form  10-K.  Reference  is made to the
"Notes to Consolidated  Financial Statements" under Item 8 of the 1996 Form 10-K
for additional disclosure.

2.  ALLOWANCE FOR LOAN LOSSES
-----------------------------
The following is a summary of the allowance for loan losses for the three months
ended March 31, 1997 and 1996 (in thousands):

                                               1997       1996
                                             -------    -------
       Balance, January 1                    $15,536    $25,892
       Additions:
             Provision for loan losses         1,600      4,015
                                             -------    -------
                                              17,136     29,907
       Deductions:
             Loans charged off                 1,351      4,830
             Less recoveries on loans
               previously charged off            359        749
                                             -------    -------
             Net loan losses                     992      4,081
                                             -------    -------
       Balance, March 31                     $16,144    $25,826
                                             =======    =======

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 of $857,000 at March 31, 1997 related to loans
considered  impaired.  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
-----------------------------------
Net income per share,  assuming no dilution, is computed based upon the weighted
average number of shares  outstanding plus average  incremental  shares of stock
outstanding  from the assumed  exercise of stock options.  Net income per share,
assuming full dilution,  is computed based upon the additional  assumption  that
the 9%  convertible  subordinated  capital notes had been  converted into common
stock as of the  beginning  of each  respective  period  presented  with related
adjustments to interest and income tax expense.  The weighted  average number of
shares  outstanding  for the three  months  ended  March 31,  1997 and 1996 were
2,202,188 and 2,332,267 respectively.

<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 March 31, 1997 was $4,556,000 an increase of $699,000 or 18.1% over
that  recognized  during  the same  period of the  preceding  year.  As noted in
previous  filings,  the  Company  entered  into a letter  of  intent to sell the
national market portion of its credit card portfolio ("the national portfolio").
The  letter of intent  was  finalized,  resulting  in the  execution  of a sales
agreement  on April 9,  1997  which  provides  that  economic  ownership  of the
majority of the national  portfolio  is to be sold to a third  party,  with that
ownership transfer effective as of January 1, 1997.  Discussions continue on the
possible sale of the remainder of the national portfolio. This has resulted in a
reduction in the Company's interest income when compared to the first quarter of
1996,  but this  reduction has been more than offset by a reduced  provision for
loan losses.

NET INTEREST  INCOME.  First quarter net interest  income  amounts have declined
$2,430,000,  or 12.9% from the comparable  1996 period.  The national  portfolio
transaction is the principal cause of this decrease.  Interest on  approximately
$85  million in average  credit  card loans was not  recognized  by the  Company
during the first quarter.  Rather, interest was recorded on a lesser amount at a
LIBOR-based rate. The Company's 1997 total average  interest-earning assets have
not changed appreciably from 1996 first quarter levels.

The  national  portfolio  transaction  caused  significant  compression  in  the
Company's   interest  spread  during  the  first  quarter.   Yields  on  average
interest-earning  assets have  declined 54 basis points from first  quarter 1996
levels.  The national portfolio  transaction  accounted for this change, as this
transaction  reduced  company-wide  yields  by  approximately  60 basis  points.
Mitigating  this  impact to some degree was an  increase  in the  percentage  of
average  interest-earning  assets  comprised  of loans.  Loans,  even  after the
charge-offs  and  write-downs  recognized  in  1996,  comprised  77% of  average
interest-earning  assets during the first quarter of 1997. The  comparable  1996
percentage was 68%.

Funding costs have changed  little in 1997.  The weighted  average cost of funds
for the first quarter of 1997 was 4.58%, compared to 4.59% in 1996. Non-interest
bearing deposits  averaged 19.8% of total deposits in the first quarter of 1997,
compared to 19.7% in 1996.

The Company's  loan growth in the first  quarter has been  somewhat  higher than
what it has historically experienced.  Loans totaled $1,212,188,000 at March 31,
1997,  an increase  of  $71,549,000  over the  December  31,  1996  total.  This
represents an annualized  growth rate of approximately  25%. Much of this growth
has occurred in the commercial,  financial and  agricultural  sector of the loan
portfolio.  Also  contributing  to the  increase  was the  fact  that one of the
Company's  securitization vehicles entered its contractual  amortization period.
Approximately  $12.5 million in off-balance sheet loans came back on the balance
sheet in the first quarter.

Loans, including loans held-for-sale, as a percentage of deposits, were 83.6% at
March 31, 1997 compared to 79.9% at December 31, 1996.

PROVISION  FOR LOAN LOSSES.  The  provision  for loan losses for the three month
period ended March 31, 1997 was $1,600,000 compared to a provision of $4,015,000
for the  corresponding  period of the  preceding  year.  The national  portfolio
transaction has significantly  impacted the Company's provision for loan losses.
As can be seen in the accompanying table, loans charged-off in the first quarter
of 1997 have  declined  significantly  from prior year levels.  The  commercial,
financial and  agricultural  sectors of the loan  portfolio  continue to perform
well, with a very low level of charge-offs.  No significant change in charge-off
activity has occurred in the installment  lending area.  Credit card charge-offs
have been  significantly  reduced in 1997. The portion of the national portfolio
that  is  to  be  sold  contains  those  accounts  with  the  highest  level  of
charge-offs.  The national portfolio sales agreement  specifies that charge-offs
in the  national  portfolio  occurring  after  December  31,  1996 revert to the
purchaser of the portfolio, thus the $3.6 million reduction in credit card loans
charged-off. The Company believes that its loan loss provision for the remainder
of 1997 will be less than that recorded in 1996.

Summary of Loan Loss Experience
--------------------------------------------------------------------------------
                                                               March 31,
                                                          1997          1996
--------------------------------------------------------------------------------
Amount of loans at period-end                          $1,131,198    $1,058,689
-------------------------------------------------------=========================
YTD Average loans outstanding                          $1,084,739    $1,049,532
-------------------------------------------------------=========================
Beginning balance of allowance for loan losses            $15,536       $25,892

Loans charged-off
   Commercial, Financial and Agricultural                     167            51
   Credit Card                                                727         4,375
   Installment                                                457           404
--------------------------------------------------------------------------------
Total loans charged off                                     1,351         4,830
--------------------------------------------------------------------------------
Recoveries on charge-offs
   Commercial, Financial and Agricultural                     169           396
   Real Estate-Mortgage                                        11             5
   Credit Card                                                117           275
   Installment                                                 62            73
--------------------------------------------------------------------------------
Total recoveries                                              359           749
--------------------------------------------------------------------------------
Net loans charged off                                         992         4,081

Provision charged to expense                                1,600         4,015
--------------------------------------------------------------------------------
Ending balance of allowance for loan losses               $16,144       $25,826
-------------------------------------------------------=========================
Net charge-offs/average loans                               0.09%         0.39%
-------------------------------------------------------=========================
Allowance for loan losses/loans at period-end               1.43%         2.44%
-------------------------------------------------------=========================

The accompanying  table summarizes,  by type, the Company's  outstanding  loans.
Installment loans are principally comprised of loans secured by automobiles.

                                      March 31, 1997         December 31, 1996
--------------------------------------------------------------------------------
                                                Percent                 Percent
                                     Amount     of Total     Amount     of Total
--------------------------------------------------------------------------------
Commercial, Financial
  and Agricultural                 $  546,089      48.3%   $  485,891      46.1%
Real Estate-Construction               25,668       2.3        27,130       2.5
Real Estate-Mortgage                  215,250      19.0       210,591      20.0
Installment, excluding
  credit card                         290,468      25.7       286,632      27.2
Credit card                            53,723       4.7        43,868       4.2
--------------------------------------------------------------------------------
  Subtotal                         $1,131,198     100.0%    1,054,112     100.0%
Allowance for loan losses             (16,144)                (15,536)
--------------------------------------------------------------------------------
                                   $1,115,054              $1,038,576
-----------------------------------=============================================

Loans  considered risk elements,  as presented in the following  table,  totaled
 .95% of total loans at March 31, 1997  compared to 1.03% at December  31,  1996.
Approximately  40% of the loans  considered  risk elements at March31,  1997 are
comprised  of credit card  accounts  contained in the  national  portfolio.  The
allowance  for loan losses at March 31, 1997 was 1.43% of total loans,  compared
to 1.47% at December 31, 1996. Excluding the nonaccrual and past due credit card
loans that will be sold,  the  allowance for loan losses at the end of the first
quarter would have equaled  approximately 250% of those loans identified as risk
elements in the following table. 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.
                                             March 31,        December 31,
                                               1997               1996
--------------------------------------------------------------------------------
       Loan Categories
            Nonaccrual Loans                  $ 4,827            $ 5,208
            Past Due 90 days or more            5,925              5,695
--------------------------------------------------------------------------------
       Total                                  $10,752            $10,903
----------------------------------------------==================================
LIQUIDITY AND CAPITAL RESOURCES. Consolidated liquidity remained strong at March
31, 1997. The average maturity of United States government and agency securities
in the investment portfolio was 1 year and 8 months, and the average maturity of
municipal securities was 4 years and 9 months.

The Company has thoroughly  reviewed its investment  security  portfolio and has
determined  that at March 31,  1997,  it has the  ability and intent to hold all
securities in the portfolio that have been classified as  held-to-maturity.  The
Company  believes  the  regularly  scheduled   maturities  of  those  securities
presently   held  in  its  investment   portfolio,   along  with  other  funding
alternatives,  such as the  securitization of credit card  receivables,  provide
sufficient liquidity to meet depositors' needs and make available lendable funds
within its service area.

The Company's  capital position exceeds  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 March 31, 1997,
the Company's total capital to risk-weighted  assets ratio was 8.9% and its Tier
1  capital  to  risk-weighted   assets  ratio  was  7.7%.  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.  Noninterest income increased  $1,843,000 or 22%
over  prior  year  levels.  Increases  were  realized  in  all  major  areas  of
noninterest income.  Service charges on deposit accounts increased $122,000 over
prior year levels, as the Company  experienced modest increases in the number of
deposit  customers,  and saw  some  change  in the  level  of  deposit  balances
maintained by certain commercial  customers.  As noted in previous filings,  the
Company  anticipated  that trust fee  revenue  growth in 1997 would  exceed that
recognized  in 1996.  1997 trust fees  increased  $236,000,  or 16.9%,  over the
comparable period of the preceding year. The establishment of proprietary mutual
funds and the increase in assets under management are responsible for the growth
in this noninterest income line item.

Credit  card fees have  increased  approximately  $400,000  from 1996  levels as
increased  merchant activity has resulted in a $900,000 increase in merchant fee
revenue.  This  increase  has more than  offset the  declines  the  Company  has
experienced in excess servicing fee income and cardholder fees. The reduction in
excess  servicing fees is  attributable  to one of the Company's  securitization
programs  beginning its  amortization  period in January.  Cardholder  fees have
declined  because of the  national  portfolio  transaction  and the  competitive
environment  existing in the industry.  Other service  charges,  fees and income
have increased  slightlymore than $1 million from 1996 levels.  This increase is
attributable  to  servicing  fees and other  compensation  the Company  received
during the first quarter  relative to the operational  services it performed for
those accounts contained in the national portfolio.

Noninterest expenses have increased $965,000,  or 5.7% from the comparable first
quarter  prior year  period.  Increases  in the areas of salaries  and  employee
benefits,  and increased costs  associated with merchant  processing  activities
were the principal causes of the increase.

First quarter employment expenses increased $558,000, or 7.1%, over those of the
comparable  period in 1996.  At March 31,  1997,  the company had 894  full-time
equivalent  employees,  compared to 875 at March 31,  1996.  The majority of the
increase  in  employment  costs  is  the  result  of  the  Company's  continuing
investment in the establishment of additional  fee-based business in the area of
employee benefit plan support services.

Occupancy  and  equipment  expenses  did not change  significantly  from  levels
recognized  during  the  corresponding  period  of 1996.  1997  data  processing
expenses  were  somewhat  higher than those  recognized  in 1996, as the Company
funded a development project that was completed by its third party provider, and
incurred costs as it worked to establish its personal  computer banking product.
Advertising and  promotional  activities for the first quarter of 1997 decreased
from 1996  levels,  but it is  believed  that this is an issue of timing.  It is
anticipated  that 1997  advertising  costs will increase over prior year levels.
Other  expenses  increased  $638,000  over 1996  amounts.  Over $500,000 of this
increase is associated with increased merchant processing costs. Net noninterest
expense in 1997 was $7,596,000, compared to $8,474,000 in 1996.

NEW ACCOUNTING  STANDARDS.  Statement of Financial Accounting Standards No. 125,
"Accounting for Transfers and Servicing of Financial Assets and  Extinguishments
of Liabilities",  provides  accounting and reporting standards for transfers and
servicing of financial assets and extinguishments of liabilities. This Statement
is effective for transfers and servicing of financial assets and extinguishments
of liabilities  occurring after December 31, 1996. The adoption of Statement No.
125 did not have a material impact on the Company's financial statements.

Statement of  Financial  Accounting  Standards  No. 128,  "Earnings  per Share",
establishes standards for computing and presenting earnings per share. Statement
No. 128 is  effective  for  financial  statements  for both  interim  and annual
periods  ending  after  December  15,  1997.  The Company  anticipates  that the
adoption of Statement No. 128 will have little  impact on reported  earnings per
share.

<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:   May 14, 1997                       By: /s/ C.Q. Chandler IV
                                              ---------------------
   C. Q. Chandler IV
   President
   (Principal Executive Officer)




Date:   May 14, 1997                       By: /s/ Jay L. Smith
                                              -----------------
   Jay L. Smith
   Chief Financial Officer
   (Principal Accounting Officer)



<PAGE>


                                  EXHIBIT INDEX



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