Exhibit 10.13

[citigroup]

|Date:     | December 1, 2004               
|--------- | -------------------------------
|Amended:  | December 9, 2004               
|          |                                
|To:       | GOLD BANK  KANSAS             
|Attn:     | Documentation Unit             
|Phone:    | 913-323-7703                   
|Fax:      | 913-451-8004                   
|          |                                
|From:     | Citibank N.A., New York        
|          | Confirmations Unit             
|          | 333 West 34th Street, 2nd Floor
|          | New York, NY 10001, USA        
|          |                                
|Phone:    | 1-212-615-8981                 
|Fax:      | 1-212-615-8985                 
|          |                                
|Our ref:  | M047180                        
|Your ref: |                                

AMENDED TRANSACTION

The purpose of this letter agreement
  (this 'Confirmation') is to set forth the terms and conditions of the Transaction
  entered into between GOLD BANK  KANSAS ('Counterparty') and Citibank N.A.,
  New York ('Citibank') on the Trade Date specified below (the 'Transaction').This Confirmation amends, restates and supersedes
  any prior Confirmation for this Transaction.

1. The definitions and provisions
  contained in the 2000 ISDA Definitions (the 'Definitions') (as published by
  the International Swaps and Derivatives Association, Inc.) are incorporated
  into this Confirmation. References herein to a 'Transaction' shall be deemed
  to be references to a 'Swap Transaction' for the purposes of the Definitions.

This Confirmation supplements, forms
  a part of, and is subject to, dated as of December 22, 2003, as amended and
  supplemented from time to time (the 'Master Agreement'), between Counterparty
  and Citibank. All provisions contained in the Master Agreement govern this Confirmation
  except as expressly modified below. In the event of any inconsistency between
  this Confirmation and the Definitions or the Master Agreement, this Confirmation
  will govern.

U.S. Federal law requires Citibank
  to obtain, verify and record customer identification information.

2. The terms of the particular Transaction
  to which this Confirmation relates are as follows:

---



|                         |                                                                               
|------------------------ | ------------------------------------------------------------------------------
|Trade Date:              | November 30, 2004                                                             
|                         |                                                                               
|Effective Date:          | December 1, 2004                                                              
|                         |                                                                               
|Termination Date:        | December 1, 2009, subject to adjustment
      in accordance with the Following
|                         | Business Day Convention                                                       
|                         |                                                                               
|Fixed Amounts            |                                                                               
|                         |                                                                               
|Fixed Rate Payer:        | Citibank                                                                      
|                         |                                                                               
|Notional Amount:         | USD 60,000,000.00                                                             
|                         |                                                                               
|Fixed Rate Payer         |                                                                               
|Period End Dates:        | Each December 1, March 1, June 1
      and September 1 commencing March 1,    
|                         | 2005 through and including the Termination
      Date, with No Adjustment     
|                         |                                                                               
|Fixed Rate Payer         |                                                                               
|Payment Dates:           | Each December 1, March 1, June 1
      and September 1, commencing March 1,   
|                         | 2005, through and including the
      Termination Date                        
|                         |                                                                               
|Fixed Rate:              | 6.84100 percent                                                               
|                         |                                                                               
|Fixed Rate               |                                                                               
|Day Count Fraction:      | Actual/360                                                                    
|                         |                                                                               
|Business Days:           | New York                                                                      
|                         |                                                                               
|Business Day Convention: | Following                                                                     
|                         |                                                                               
|                         |                                                                               
|Floating Amounts         |                                                                               
|                         |                                                                               
|Floating Rate Payer:     | Counterparty                                                                  
|                         |                                                                               
|Notional Amount:         | USD 60,000,000.00                                                             







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|                         |                                                                               
|------------------------ | ------------------------------------------------------------------------------
|Floating Rate Payer      |                                                                               
|Period End Dates:        | Each December 1, March 1, June 1
      and September 1 commencing March 1,    
|                         | 2005 through and including the Termination
      Date, with No Adjustment     
|                         |                                                                               
|Floating Rate Payer      |                                                                               
|Payment Dates:           | Each December 1, March 1, June 1
      and September 1 commencing March 1,    
|                         | 2005 through and including the Termination
      Date                         
|                         |                                                                               
|Floating Rate Option:    | USDPrimeH.15                                                                
|                         |                                                                               
|Spread:                  | None                                                                          
|                         |                                                                               
|Floating Rate            |                                                                               
|Day Count Fraction:      | Actual/360                                                                    
|                         |                                                                               
|Reset Dates:             | Each New York Business Day of the
      Floating Rate Payer Calculation Period
|                         |                                                                               
|Method of Averaging:     | Weighted Average                                                              
|                         |                                                                               
|Business Days:           | New York                                                                      
|                         |                                                                               
|Business Day Convention: | Following                                                                     
|                         |                                                                               
|Calculation Agent:       | Citibank, or as stated in the Master
      Agreement.                         
|                         |                                                                               
|Representations:         |                                                                               

Each party represents to the other party that:

(a) Non-Reliance. It is acting for
  its own account, and it has made its own independent decisions to enter into
  this Transaction and as to whether this Transaction is appropriate or proper
  for it based upon its own judgment and upon advice from such advisors as it
  has deemed necessary. It is not relying on any communication (written or oral)
  of the other party as investment advice or as a recommendation to enter into
  this Transaction; it being understood that information and explanations related
  to the terms and conditions of this Transaction shall not be considered investment
  advice or a recommendation to enter into this Transaction. It has not received
  from the other party any assurance or guarantee as to the expected results of
  this Transaction.





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(b) Evaluation and Understanding.
  It is capable of evaluating and understanding (on its own behalf or through
  independent professional advice), and understands and accepts, the terms, conditions
  and risks of this Transaction. It is also capable of assuming, and assumes,
  the financial and other risks of this Transaction.

(c) Status of Parties. The other
  party is not acting as a fiduciary or an advisor for it in respect of this Transaction.

(d) Risk Management. It has entered
  into this Transaction for the purpose of (i) managing its borrowings or investments,
  (ii) hedging its underlying assets or liabilities or (iii) in connection with
  its line of business.

4. Account Details

|Payments
      to Citibank      |                                   
|------------------------------- | ----------------------------------
|in
      USD:                   | CITIBANK N.A. NEW YORK            
|                                | BIC: CITIUS33                     
|                                | ACCOUNT NO 00167679               
|                                | ACCOUNT NAME: FINANCIAL FUTURES   
|                                |                                   
|                                |                                   
|Payments
      to Counterparty: | Please provide to expedite payment











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If you have any questions regarding
  this letter agreement, please contact the Swap Operations Department at the
  telephone numbers or the facsimile numbers indicated on this Confirmation.

Please confirm that the foregoing
  correctly sets forth the terms of our agreement by executing the copy of this
  Confirmation enclosed for that purpose and returning it to us.

Very truly yours, Citibank N. A. , New York By: /s/ Frank A. Licciardello
         Authorized Signatory


Accepted and confirmed as 
  of the Trade Date:

GOLD BANK  KANSAS

By. /s/ Rick TremblayAuthorized Signatory







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