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, 1996

                                       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 November 4, 1996,  there were  2,222,449  shares of the  registrant's  common
stock, par value $5 per share, outstanding.


<PAGE>


                          Part 1. Financial Information

                          INTRUST Financial Corporation
                      Consolidated Condensed Balance Sheets
                                   (Unaudited)
                  (Dollars in thousands except per share data)

                                                     September 30,  December 31,
Assets                                                   1996          1995
--------------------------------------------------------------------------------
Cash and cash equivalents:
   Cash and due from banks                            $   114,570    $  102,963
   Federal funds sold and securities purchased
      under agreements to resell                           14,138       112,020
--------------------------------------------------------------------------------
        Total cash and cash equivalents                   128,708       214,983
--------------------------------------------------------------------------------
Investment securities:
   Held-to-maturity (market value, $321,159 for 1996
      and $321,141 for 1995)                              320,098       315,430
   Available-for-sale, at market                            1,483         1,923
   Equity, at cost                                          2,732         2,893
--------------------------------------------------------------------------------
        Total investment securities                       324,313       320,246
--------------------------------------------------------------------------------
Loans, net of unearned discount                         1,141,265     1,063,277
  Less:  Allowance for loan losses                         27,452        25,892
--------------------------------------------------------------------------------
        Net loans                                       1,113,813     1,037,385
--------------------------------------------------------------------------------
Land, buildings and equipment, net                         28,257        28,684
Other assets                                               67,081        65,686
--------------------------------------------------------------------------------
      Total assets                                     $1,662,172    $1,666,984
-------------------------------------------------------=========================

Liabilities and Stockholders' Equity
--------------------------------------------------------------------------------
   Deposits                                            $1,357,442    $1,367,141
   Short-term borrowings:
      Federal funds purchased and securities sold
        under agreements to repurchase                    110,893       107,775
      Other                                                10,983        10,038
--------------------------------------------------------------------------------
        Total short-term borrowings                       121,876       117,813
--------------------------------------------------------------------------------
   Accounts payable and accrued liabilities                21,145        14,703
   Notes payable                                           17,660        20,310
   Convertible capital notes                               11,345        11,854
--------------------------------------------------------------------------------
          Total liabilities                             1,529,468     1,531,821
--------------------------------------------------------------------------------
Stockholders' equity:
   Common stock, $5 par value; 10,000,000 shares
     authorized, 2,415,071 shares issued in 1996 and
     2,400,000 issued in 1995                              12,075        12,000
   Capital surplus                                         12,377        12,000
   Retained earnings                                      121,715       114,235
   Treasury stock, at cost (192,422 shares in
         1996 and 61,770 shares in 1995)                  (13,516)       (3,156)
   Unrealized securities gains, net of tax                     53            84
--------------------------------------------------------------------------------
          Total stockholders' equity                      132,704       135,163
--------------------------------------------------------------------------------
      Total liabilities and stockholders' equity       $1,662,172    $1,666,984
-------------------------------------------------------=========================

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         Nine Months
                                        Ended September 30,  Ended September 30,
                                        -------------------  -------------------
                                             1996     1995       1996     1995
--------------------------------------------------------------------------------
Interest income:
   Loans                                   $27,313  $26,857    $79,970  $77,956
   Investment securities                     5,353    4,570     16,084   13,470
   Federal funds sold and securities
      purchased under agreements to
      resell, and other                        538    1,462      3,412    3,657
--------------------------------------------------------------------------------
       Total interest income                33,204   32,889     99,466   95,083
--------------------------------------------------------------------------------
Interest expense:
   Deposits                                 11,772   11,619     35,272   33,549
   Federal funds purchased and securities
      sold under agreement to repurchase     1,646    1,421      4,794    3,496
   Convertible capital notes                   252      269        784      809
   Other borrowings                            422      522      1,282    1,676
--------------------------------------------------------------------------------
       Total interest expense               14,092   13,831     42,132   39,530
--------------------------------------------------------------------------------
       Net interest income                  19,112   19,058     57,334   55,553
Provision for loan losses                    6,121    7,330     15,901   13,791
--------------------------------------------------------------------------------
       Net interest income after
         provision for loan losses          12,991   11,728     41,433   41,762
--------------------------------------------------------------------------------
Noninterest income:
   Service charges on deposit accounts       2,279    2,216      6,865    6,813
   Trust department fees                     1,497    1,379      4,276    4,176
   Credit card fees                          2,716    2,206      7,907    7,137
   Securities gains                             37        0         37        0
   Other service charges, fees and income    1,773    1,540      5,857    5,363
--------------------------------------------------------------------------------
       Total noninterest income              8,302    7,341     24,942   23,489
--------------------------------------------------------------------------------
Noninterest expenses:
   Salaries and employee benefits            8,066    7,368     23,604   22,075
   Net occupancy and equipment expense       2,011    2,179      6,245    6,287
   Data processing expense                     907    1,375      2,664    3,596
   Supplies                                    531      676      1,509    2,180
   Deposit insurance assessment                862    (116)      1,050    1,305
   Postage and dispatch                        548      538      1,741    1,833
   Advertising and promotional activities    1,020      606      3,076    2,231
   Goodwill amortization                       399      399      1,197    1,197
   Other                                     3,464    3,333     10,190   10,309
--------------------------------------------------------------------------------
       Total noninterest expenses           17,808   16,358     51,276   51,013
--------------------------------------------------------------------------------
       Income before provision for
          income taxes                       3,485    2,711     15,099   14,238
Provision for income taxes                     993      642      5,406    4,984
--------------------------------------------------------------------------------
       Net income                          $ 2,492  $ 2,069    $ 9,693  $ 9,254
-------------------------------------------=====================================
Per share data:
   Net income - assuming no dilution         $1.11    $0.88      $4.20    $3.94
   Net income - assuming full dilution       $1.03    $0.82      $3.80    $3.57
Cash Dividends                               $0.35    $0.25      $0.95    $0.75

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,
                                                            -----------------
                                                              1996      1995
--------------------------------------------------------------------------------
Cash provided (absorbed) by operating activities:
 Net Income                                               $    9,693  $  9,254
Adjustments to reconcile net income to net
 cash provided by operating activities:
   Provision for loan losses                                  15,901    13,791
   Provision for depreciation and amortization                 5,046     5,224
   Amortization of premium and accretion of discount on
         investment securities                                   126       684
   Gain on sale of investment securities                         (37)        0
   Changes in assets and liabilities:
    Loans held for sale                                         (344)   (3,269)
    Prepaid expenses and other assets                         (2,547)   (3,670)
    Income taxes                                              (1,593)   (2,583)
    Interest receivable                                          161    (1,429)
    Interest payable                                           6,218     6,670
    Other liabilities                                          1,089       581
    Other                                                       (192)      (86)
--------------------------------------------------------------------------------
     Net cash provided by operating activities                33,521    25,167
--------------------------------------------------------------------------------
Cash provided (absorbed) by investing activities:
   Purchase of investment securities                        (101,005)  (127,641)
   Investment securities matured or called                    96,356   108,852
   Proceeds from sale of investment securities                   472         0
   Net (increase) decrease in loans                          (94,559)   12,569
   Purchases of land, buildings and equipment                 (2,845)   (2,355)
   Proceeds from sale of equipment                                12        43
   Proceeds from sale of other real estate
     and repossessions                                         2,847     2,601
   Other                                                        (157)     (330)
--------------------------------------------------------------------------------
     Net cash absorbed by investing activities               (98,879)   (6,261)
--------------------------------------------------------------------------------
Cash provided (absorbed) by financing activities:
   Net increase (decrease) in deposits                        (9,699)   13,471
   Net increase in short-term borrowings                       4,063    27,544
   Payment on notes payable                                   (2,650)    (2640)
   Retirement of convertible capital notes                       (57)     (146)
   Cash dividends                                             (2,213)   (1,762)
   Purchase of treasury stock                                (10,360)   (1,114)
--------------------------------------------------------------------------------
     Net cash provided (absorbed) by financing activities    (20,916)   35,353
--------------------------------------------------------------------------------
       Increase (Decrease) in cash and cash equivalents      (86,274)   54,259

Cash and cash equivalents at beginning of period             214,983   114,889
--------------------------------------------------------------------------------
Cash and cash equivalents at end of period                 $ 128,709  $169,148
------------------------------------------------------------====================
Supplemental disclosures
   Interest paid                                             $35,914   $32,860
   Income tax paid                                            $6,999   $ 7,567

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  1995  INTRUST
Financial  Corporation  Annual  Report on Form  10-K.  Reference  is made to the
"Notes to Consolidated  Financial Statements" under Item 8 of the 1995 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, 1996 and 1995 (in thousands):

                                                         1996          1995
                                                       -------       -------
      Balance, January 1                               $25,892       $19,886
      Additions:
           Provision for loan losses                    15,901        13,791
                                                       -------       -------
                                                        41,793        33,677
      Deductions:
           Loans charged off                            16,151         9,454
           Less recoveries on loans
               previously charged off                    1,810         2,744
                                                       -------       -------
           Net loan losses                              14,341         6,710
                                                       -------       -------
      Balance, September 30                            $27,452       $26,967
                                                       =======       =======



The Company adopted  Statement of Financial  Accounting  Standards  ("SFAS") No.
114,  "Accounting  by  Creditors  for  Impairment  of a Loan"  and SFAS No.  118
"Accounting  by Creditors  for  Impairment  of a Loan - Income  Recognition  and
Disclosures," as of January 1, 1995. 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.

The Company had previously  measured the allowance for loan losses using methods
similar to those  prescribed  in SFAS No.  114.  As a result of  adopting  these
statements,  no additional  allowance for loan losses was required as of January
1, 1995.

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 $570,307  at September  30, 1996 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 September 30, 1996 and 1995 were
2,272,359  and 2,342,683  respectively.  The weighted  average  number of shares
outstanding for the nine months ended September 30, 1996 and 1995 were 2,309,563
and 2,346,181 respectively.


<PAGE>



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



Unaudited   consolidated  net  income  of  INTRUST  Financial  Corporation  (the
"Company")  for the nine  months  ended  September  30, 1996 was  $9,693,000,  a
$439,000  increase  over the same period of the prior year. As noted in previous
filings, the Company's  year-to-date earnings for the first two quarters of 1996
were  essentially  unchanged  from the  comparable  period  of the  prior  year.
However,  comparative  third  quarter  results were  influenced by the loan loss
provision recognized by the Company in 1995. For the quarter ended September 30,
1996, the Company recorded a loan loss provision of $6,121,000, as compared to a
provision of $7,330,000 during the third quarter of 1995. This difference in the
loan loss  provision  more than offset the  additional  expense  incurred by the
Company in 1996 arising  from the  recapitalization  of the Savings  Association
Insurance Fund.

NET INTEREST  INCOME.  Third quarter net interest  income amounts have increased
only modestly  ($54,000) over the comparable 1995 period,  and declined $239,000
from the  second  quarter.  The  year-over-year  change  is  principally  volume
related, as 1996 average  interest-earning  assets have increased 5.9% over 1995
levels. As discussed in previous filings, the Company's acquisition of the First
National Bank of Ottawa in December,  1995 accounted for a portion of the change
in  average  interest-earning  assets,  but the  Company  has  also  experienced
moderate  growth  in  non-credit  card  loan  demand in 1996.  The  Company  did
experience a slight  decline (less than 2%) in average  interest-earning  assets
during the third quarter, as some contraction in total deposits was experienced.

The Company  mentioned in previous  filings that it anticipated  interest margin
compression  during  the  remainder  of  1996.  The  Company's  interest  spread
contracted during the third quarter.  Yields on average  interest-earning assets
increased 15 basis points over second quarter 1996 levels, but the funding costs
of  interest-bearing   liabilities  have  increased  twenty-four  basis  points.
Competitive  factors  will  continue to put pressure on the  Company's  interest
margin.

The Company continues to experience growth in loan demand.  Average total loans,
after  increasing  approximately  $49 million in the second  quarter,  increased
another  $31  million  in the third  quarter.  This  increased  loan  demand has
resulted in the Company shifting assets out of relatively lower yielding Federal
Funds into loans. Loans were 74.7% of average interest earning assets during the
third  quarter,  as compared to 71.2% during the second quarter and 67.9% in the
first  quarter.  The Company's  ratio of  noninterest-bearing  to total deposits
increased  .4% during the third  quarter,  to 20.1%.  Loans,  as a percentage of
deposits,  were 84.1% at both  September  30, 1996 and June 30,  1996,  and were
77.8% at December 31, 1995.

PROVISION  FOR LOAN LOSSES.  The  provision  for loan losses for the three month
period ended  September 30, 1996 was  $6,121,000,  compared to $5,765,000 in the
second quarter of 1996 and $7,330,000 in the comparable period of 1995. As noted
in previous  filings,  the  Company's  loan loss  provision has been impacted by
losses arising from national credit card  solicitation  programs entered into in
1993 and  1994.  Losses  on  these  accounts  have  significantly  exceeded  the
Company's  previous   experience  in  credit  card  lending.   Net  credit  card
charge-offs  during the third quarter of 1996 totaled  $4,478,000 as compared to
second  quarter net  charge-offs  of $4,448,000 and 1995 third quarter losses of
$3,161,000.  The Company  believes its net credit card charge-offs will continue
to run above  historical  averages  through the remainder of 1996,  and believes
that its 1996 provision for loan losses will be comparable to that recognized in
1995.

Summary of Loan Loss Experience
--------------------------------------------------------------------------------
                                                        September 30,
                                                      1996        1995
--------------------------------------------------------------------------------
Amount of loans at period-end                      $1,141,265  $1,039,569
---------------------------------------------------=============================
YTD Average loans outstanding                      $1,092,469  $1,039,178
---------------------------------------------------=============================
Beginning balance of allowance for loan losses        $25,892     $19,886

Loans charged-off
   Commercial, Financial and Agricultural               1,127         217
   Real Estate-Mortgage                                    16         141
   Credit Card                                         13,827       8,456
   Installment                                          1,181         640
--------------------------------------------------------------------------------
Total loans charged off                                16,151       9,454
--------------------------------------------------------------------------------
Recoveries on charge-offs
   Commercial, Financial and Agricultural                 723       1,493
   Real Estate-Mortgage                                    24          28
   Credit Card                                            801         899
   Installment                                            262         324
--------------------------------------------------------------------------------
Total recoveries                                        1,810       2,744
--------------------------------------------------------------------------------
Net loans charged off                                  14,341       6,710

Provision charged to expense                           15,901      13,791
--------------------------------------------------------------------------------
Ending balance of allowance for loan losses           $27,452     $26,967
------------------------------------------------------==========================
Net charge-offs/average loans                           1.31%       0.65%
------------------------------------------------------==========================
Allowance for loan losses/loans at period-end           2.41%       2.59%
------------------------------------------------------==========================
The accompanying  table summarizes,  by type, the Company's  outstanding  loans.
Installment loans are principally comprised of loans secured by automobiles.

                                          September 30, 1996  December 30, 1995
--------------------------------------------------------------------------------
                                                     Percent             Percent
                                           Amount   of Total   Amount   of Total
--------------------------------------------------------------------------------
Commercial, Financial  and Agricultural  $  444,497    38.9% $  416,428    39.2%
Real Estate-Construction                     24,094     2.1      25,491     2.4
Real Estate-Mortgage                        220,876    19.4     189,375    17.8
Installment, excluding credit card          291,083    25.5     259,047    24.3
Credit card                                 160,715    14.1     173,270    16.3
--------------------------------------------------------------------------------
Total                                    $1,141,265   100.0% $1,063,611   100.0%
-----------------------------------------=======================================

Loans  considered risk elements,  as presented in the following  table,  totaled
 .78% of total loans at September 30, 1996 compared to .88% at December 31, 1995.
In addition to the loans in the table,  the  Company  recognizes  that there are
higher than normal amounts of credit card loans that will  eventually be charged
off.  During 1995,  the Company  substantially  increased its allowance for loan
losses, in recognition of the increasing level of credit card  charge-offs.  The
Company has maintained this posture through 1996.  While the Company expects the
rate of increase in credit card  charge-offs  to moderate  (as  evidenced by the
nominal  $30,000  increase  in net  charge-offs  in the  third  quarter),  it is
expected that charge-offs will continue at historically  high levels through the
remainder of the year.  The Company has  increased its allowance for loan losses
at September  30, 1996 by  approximately  6% from  December 31, 1995 levels,  in
recognition of increased credit card charge-off  levels for the remainder of the
year.  The allowance for loan losses at both September 30, 1996 and December 31,
1995 was 2.4% of total  loans.  The Company  continues  to evaluate the relative
profitability of its national credit card portfolio,  and is presently assessing
alternatives  that  might be  available  to the  Company  with  respect  to this
particular segment of its business.  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.

                                                    September 30,   December 31,
                                                         1996            1995
--------------------------------------------------------------------------------
      Loan Categories
           Nonaccrual Loans                             $4,331          $3,988
           Past Due 90 days or more                      4,548           5,383
           Restructured Loans                                0               0
--------------------------------------------------------------------------------
      Total                                             $8,879          $9,371
--------------------------------------------------------========================

LIQUIDITY  AND CAPITAL  RESOURCES.  Consolidated  liquidity  remained  strong at
September 30, 1996. The average maturity of United States  government and agency
securities in the investment  portfolio was 1 year and 9 months, and the average
maturity of municipal securities was 4 years and 3 months.

The Company has thoroughly  reviewed its investment  security  portfolio and has
determined that at September 30, 1996, 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 consumer loan receivables,  provide
sufficient liquidity to meet depositors' needs and make available lendable funds
within its service area.

The  Company's  capital  position   substantially   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 September 30, 1996, the Company's total capital to risk-weighted assets ratio
was 10.15% and its Tier 1 capital to risk-weighted assets ratio was 8.34%. These
ratios have declined  slightly from June 30, 1996 levels as the Company  availed
itself of an  opportunity  to  repurchase  approximately  5% of its  outstanding
common stock during the third quarter.

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  in the  third  quarter
increased  $961,000  or  13.1%  over  prior  year  levels,  but was  essentially
unchanged  from amounts  recognized in the second  quarter.  Service  charges on
deposit accounts recognized during the quarter ended September 30, 1996 have not
changed  appreciably  from  the same  period  of  1995,  as there  have not been
significant  year-over-year  changes  in the  volumes  of  those  accounts  that
typically  carry  a  service  charge.   Additional  marketing  efforts  and  the
introduction  of new lines of  business  in the  Trust  area  have  resulted  in
increased  fee income from that revenue  source.  Third  quarter 1996 trust fees
increased  approximately  $100,000  over  prior year and prior  quarter  levels.
Credit card fees increased  $214,000 from second quarter levels, as merchant fee
revenue has  increased  with the  addition  of new  merchants.  Offsetting  this
increase  were  declines in fee revenue from  alternative  investment  sales and
credit life insurance activity.

Noninterest  expenses increased  $1,450,000,  or 8.9%, from the comparable third
quarter prior year period. Much of this increase was attributable to two factors
associated with deposit  insurance  assessments.  First, in the third quarter of
1995,  the  Company  received  refunds  of  previously  paid  deposit  insurance
assessments,  resulting  in net deposit  insurance  assessments  of  ($116,000).
Second, the Deposit  Institution  Funding Act, which was passed on September 30,
1996,   resulted  in  the  Company   incurring  a  special  one-time  charge  of
approximately $750,000 to recapitalize the Savings Association Insurance Fund.

Third quarter employment expenses increased $698,000, or 9.5%, over those of the
comparable  period  in 1995.  Year-to-date  compensation  costs  have  increased
$1,529,000 over 1995 levels. Approximately 90% of this total increase relates to
staffing  costs at new  locations,  or to staffing costs incurred as a result of
establishing new business activities.  At September 30, 1996 the Company had 882
full-time equivalent employees, compared to 875 at September 30, 1995.

Occupancy and  equipment  expenses  recognized  through the first nine months of
1996  have  not  changed   significantly   from  levels  recognized  during  the
corresponding  period of 1995. As noted in previous filings,  the decline in the
Company's data  processing  expense is attributable to its conversion to another
data processor and certain technology investments made in 1994 and 1995.

During the third quarter, the Company entered into marketing efforts for certain
of its retail  products.  These efforts  resulted in increased  advertising  and
promotional  costs.   Other  noninterest   expense  in  the  third  quarter  was
essentially  unchanged from the second  quarter.  A decline in losses  sustained
arising  from credit card fraud has  substantially  offset  increases in certain
other credit card operating expense line items.


NEW ACCOUNTING  STANDARDS.  Statement of Financial Accounting Standards No. 121,
"Accounting for the Impairment of Long-Lived Assets and for Long-Lived Assets to
Be Disposed Of" is effective for fiscal years beginning after December 15, 1995.
The Company adopted this Statement in 1995.

Statement of Financial  Accounting  Standards No. 122,  "Accounting for Mortgage
Servicing  Rights" amends  Statement of Financial  Accounting  Standards No. 65,
"Accounting for Certain Mortgage Banking Activities" to eliminate the accounting
distinction  between purchased mortgage servicing rights and originated mortgage
servicing  rights.  The provisions of Statement No. 122 are effective for fiscal
years  beginning  after December 15, 1995. The adoption of Statement No. 122 did
not have a material impact on the Company's financial statements.

Statement of Financial Accounting Standards No. 123, "Accounting for Stock-based
Compensation",  establishes  financial  accounting  and reporting  standards for
stock-based employee compensation and is effective for transactions entered into
in fiscal years that begin after  December 15, 1995.  The Company has elected to
measure  compensation  costs for its stock option plan using the intrinsic value
based method of  accounting  prescribed by APB Opinion No. 25,  "Accounting  for
Stock Issued to Employees".

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 Company has not yet determined the impact
on the financial statements of the adoption of this Standard.




<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 12, 1996                       By: /s/ C.Q. Chandler IV
                                                  ---------------------
   C. Q. Chandler IV
   President
   (Principal Executive Officer)




Date:  November 12, 1996                       By: /s/ Jay L. Smith
                                                  -----------------
   Jay L. Smith
   Chief Financial Officer
   (Principal Accounting Officer)



<PAGE>


                                  EXHIBIT INDEX



Number                   Description
   27                     Financial Data Schedule