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

                            FORM 10-Q

(Mark One)

[X]  QUARTERLY  REPORT  PURSUANT  TO  SECTION  13 OR 15(d) OF
     THE SECURITIES EXCHANGE ACT OF 1934
     For the quarterly period ended March 31, 2000

[ ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE
     ACT
     For the transition period from ___________ to______________

Commission File Number:  0-28936

                   GOLD BANC CORPORATION, INC.
     (Exact name of registrant as specified in its charter)

               Kansas                       48-1008593
(State or other jurisdiction            (I.R.S. Employer
of incorporation or organization)       Identification No.)

            11301 Nall Avenue, Leawood, Kansas 66211
       (Address of principal executive office)  (Zip code)

                         (913) 451-8050
      (Registrant's telephone number, including area code)

     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 past 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 past 90 days.  Yes [X]      No [ ]

     Indicate the number of shares outstanding of each of the
issuer's classes of common stock, as of the latest practical
date.

     Class                         Outstanding at April 30, 2000
______________________________     ____________________________
Common Stock, $1.00 par value                37,793,162


<PAGE>



                   GOLD BANC CORPORATION, INC.
                 INDEX TO 10-Q FOR THE QUARTERLY
                   PERIOD ENDED MARCH 31, 2000

                                                            PAGE
PART I:   FINANCIAL INFORMATION

     ITEM 1:   FINANCIAL STATEMENTS

               Consolidated Balance Sheets at
               March 31, 2000 and December 31, 1999
               (unaudited)                                  1

               Consolidated Statements of Earnings -
               Three months ended March 31, 2000
               and March 31, 1999 (unaudited)               2

               Consolidated Statements of Cash Flows -
               Three months ended March 31, 2000 and March 31,
               1999 (unaudited)                             3

               Notes to Consolidated Financial Statements   4

     ITEM 2:   MANAGEMENT'S DISCUSSION AND ANALYSIS
               OF FINANCIAL CONDITION AND RESULTS OF
               OPERATIONS                                   7

PART II:  OTHER INFORMATION

     ITEM 1:   LEGAL PROCEEDINGS                            11

     ITEM 2:   CHANGES IN SECURITIES AND USE OF PROCEEDS    12

     ITEM 3:   DEFAULTS UPON SENIOR SECURITIES              12

     ITEM 4:   SUBMISSION OF MATTERS TO A VOTE OF SECURITY
               HOLDERS                                      12

     ITEM 5:   OTHER INFORMATION                            12

     ITEM 6:   EXHIBITS AND REPORTS ON FORM 8-K             12

               SIGNATURES                                   13

<PAGE>


                             PART I
                      FINANCIAL INFORMATION
          GOLD BANC CORPORATION, INC. AND SUBSIDIARIES
                   CONSOLIDATED BALANCE SHEETS
                         (IN THOUSANDS)
                           (UNAUDITED)

                              MARCH 31, 2000      DEC. 31, 1999
                                                     (Restated)

ASSETS
    Cash and due from banks    $   83,348          $   99,159
    Federal funds sold and
     interest-bearing
     deposits                      12,749              29,457
         Total cash and cash
           equivalents             96,097             128,616

    Investment securities:
       Held-to-maturity             8,224               7,878
       Available-for-sale         452,161             438,264
       Trading                      6,146               9,245
       Total investment
          securities              466,531             455,387

    Mortgage and student
     loans held for sale, net     151,456             149,560
    Loans, net                  1,677,076           1,644,250
    Premises and equipment,
     net                           60,591              62,960
    Goodwill, net                  49,051              47,576
    Accrued interest and
     other assets                  58,361              62,392
    Total assets               $2,559,163          $2,550,741

LIABILITIES AND STOCKHOLDERS' EQUITY
    Liabilities:
       Deposits                $2,028,995          $2,006,154
       Securities sold
          under agreements
          to repurchase            60,413              50,990
       Federal funds purchased
          and other short-term
          borrowings               64,348             127,628
       FHLB and other long-term
          borrowings              130,446              90,523
       Guaranteed preferred
          beneficial interests
          in Company's
          debentures               82,549              82,549
       Accrued interest and
          other liabilities        26,662              25,849
       Total liabilities        2,393,413           2,383,693

    Stockholders' equity:
       Preferred stock,
          no par value;
          50,000,000 shares
          authorized, no
          shares issued                 -                   -
       Common stock, $1.00
          par value,
          50,000,000
          shares authorized,       38,271              37,873
       38,271,162 issued at
          March 31, 2000
          and 37,872,725 issued
          and outstanding at
          December 31, 1999
       Additional paid-in
          capital                  75,512              72,371
       Retained earnings           70,118              71,218
       Accumulated other
          comprehensive income
          (loss)                  (10,247)            (11,239)
       Unearned compensation       (4,175)             (3,175)
                                  169,479             167,048
       Treasury stock -
          478,000 shares at cost   (3,729)                  -
         Total stockholders'
          equity                  165,750             167,048
    Total liabilities and
     stockholders' equity      $2,559,163          $2,550,741

SEE ACCOMPANYING NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.

<PAGE>


          GOLD BANC CORPORATION, INC. AND SUBSIDIARIES
               CONSOLIDATED STATEMENTS OF EARNINGS
                   FOR THE THREE MONTHS ENDED
              (IN THOUSANDS, EXCEPT PER SHARE DATA)
                           (UNAUDITED)

                               MARCH 31, 2000     MARCH 31, 1999
                                                    (Restated)
Interest income:
   Loans, including fees           $42,135             $34,828
   Investment securities             6,968               6,100
   Other                             1,203               1,225
                                    50,306              42,153
Interest expense:
   Deposits                         20,676              17,887
   Borrowings and other              5,413               3,191
                                    26,089              21,078

      Net interest income           24,217              21,075

Provision for loan losses              661               1,145
      Net interest income
          after provision for
          loan losses               23,556              19,930

Other income:
   Service fees                      2,929               2,418
   Net gains on sale of mortgage
     loans                           1,777                 299
   Net securities gains (loss)         (30)                237
   Investment trading fees and
     commissions                       615                 976
   Other                             3,013               1,988
                                     8,304               5,918
Other expense:
   Salaries and employee benefits   10,967               8,769
   Net occupancy expense             2,170               1,506
   Depreciation expense              1,325               1,287
   Goodwill amortization expense       534                 398
Consolidation/repositioning/
     pooling expense                10,849                   -
   Other                             6,679               5,483
                                    32,524              17,443

      Earnings (loss)before
        income taxes                  (664)              8,405

Income tax expense                     121               3,058

      Net earnings (loss)          $(  785)            $ 5,347

Net earnings (loss) per share
    - basic and diluted            $ (0.02)            $  0.14



SEE ACCOMPANYING NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.




<PAGE>


          GOLD BANC CORPORATION, INC. AND SUBSIDIARIES
              CONSOLIDATED STATEMENTS OF CASH FLOWS
                   FOR THE THREE MONTHS ENDED
                         (IN THOUSANDS)
                           (UNAUDITED)

                                              MARCH 31,    MARCH 31,
                                                2000         1999
                                                          (RESTATED)
Cash flows from operating activities:
     Net earnings (loss)                     $    (785)   $ 5,347
  Adjustments to reconcile net earnings
    to net cash provied by (used in)
    operating activities, net of purchase
    acquisitions:
      Provision for loan losses                    661      1,145
      (Gains) losses on sales of securities         30       (177)
      Amortization of investment securities'
        premiums, net of accretion                 124        116
      Depreciation                               1,325      1,287
      Amortization of goodwill                     534        398
      (Gain) loss on sale of assets, net           833       (399)
      Net (increase) decrease in trading
        securities                              (3,099)      (557)
      Unrealized loss on trading securities         --         37
      Net (increase) in mortgage
        loans held for sale                     (1,896)    (13,829)
      Other changes:
        Accrued interest receivable and
          other assets                           4,030      (4,276)
        Accrued interest payable and other
          liabilities                            2,271       3,800
               Net cash provided by (used in)
                 operating activities           10,226      (7,108)

Cash flows from investing activities:
        Net increase in loans                   (33,487)    (39,544)
        Principal collections and proceeds
          from maturities of held-to-maturity
          securities                              1,576       2,077
        Principal collections and proceeds
          from sales and maturities of
          available-for-sale securities          17,176     688,511
        Purchases of available-for-sale
          securities                            (31,538)   (700,474)
        Purchases of held-to-maturity
          securities                                  -      (1,006)
        Net additions to premises and
          equipment                              (1,138)     (2,370)
        Cash paid for acquisitions, net
          of cash received                            -      (5,317)
        Proceeds from sale of other assets          815          62
               Net cash used in investing
                 activities                     (46,596)    (58,061)

Cash flows from financing activities:
        Increase in deposits                     22,842      28,581
        Net increase (decrease) in
          short-term borrowings                 (53,857)     38,146
        Net increase (decrease) in
          FHLB and other
          long-term borrowings                   38,923      (8,697)
        Proceeds from issue of
          common stock                               26         175
        Purchase of treasury stock               (3,729)          -

        Dividends paid                             (354)       (344)
               Net cash provided by financing
                 activities                       3,851      57,861
               Decrease in cash and
                 cash equivalents               (32,519)     (7,308)
          Cash and cash equivalents, beginning
            of year                             128,616     158,880
          Cash and cash equivalents, end of
            period                            $  96,097   $ 151,572


SUPPLEMENTAL SCHEDULE OF NON-CASH FINANCING ACTIVITIES:

Issuance of common stock for
  acquisitions                                $     393   $       -

Non-cash activities related to
  purchase acquisitions:
    Increase in land, buildings,
      and equipment                                   -       1,264
    Increase in long-term
      borrowings                              $       -    $    515



SEE ACCOMPANYING NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.

<PAGE>

           NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

     1.   Basis of presentation.

     The accompanying consolidated financial statements have been
prepared in accordance with the instructions for Form 10-Q.  The
consolidated financial statements should be read in conjunction
with the audited financial statements included in the Company's
1999 Annual Report on Form 10-K.

     The consolidated financial statements include the accounts
of the Company's subsidiaries, Gold Bank N.A., Provident Bank,
f.s.b., Citizens Bank of Tulsa, People First Bank (Oklahoma),
American Heritage Bank (Oklahoma), American Bank (Florida),
People First Bank (Kansas) and First Business Bank of Kansas
City, N.A. (the "Banks"), Midwest Capital Management, Inc., The
Trust Company, CompuNet Engineering, Inc.  All significant
intercompany balances and transactions have been eliminated. 1999
results have been restated to reflect the effects of three
pooling of interests acquisitions completed in the first quarter
of 2000.

     The December 31, 1999 consolidated balance sheet has been
restated using the audited balance sheet of the Company and the
three pooling of interests acquisitions completed in the first
quarter of 2000.  The consolidated financial statements as of
March 31, 2000 and for the three months ended March 31, 2000 and
1999 are unaudited but include all adjustments (consisting only
of normal recurring adjustments) which the Company considers
necessary for a fair presentation of financial position and
results of its operations and its cash flows for those periods.
The Consolidated Statements of Earnings for the three months
ended March 31, 2000 are not necessarily indicative of the
results to be expected for the entire year.  Certain
reclassifications have been made to prior year's financial
statements to conform to the current year's presentation.

     2.   Earnings per common share.

     Earnings per share are computed in accordance with SFAS No.
128, Earnings per Share.  Basic earnings per share is based upon
the weighted average number of common shares outstanding during
the periods presented.  Diluted earnings per share includes the
effects of all potentially dilutive common shares outstanding
during each period.  Employee stock options are the Company's
only potential common share equivalent.





<PAGE>


     The shares used in the calculation of basic and diluted
income per share for the three months ended March 31, 2000 and
1999 are shown below (in thousands):

                                                  2000      1999

Weighted average common shares outstanding       37,829   37,356
Stock options                                        51      281
Weighted average common shares and
   Common share equivalents outstanding          37,880   37,637

     3. Guaranteed Preferred Beneficial Interests in Company's
Debentures.

     On June 9, 1999, GBCI Capital Trust II (the "Trust"), a
Delaware business trust formed by the Company, completed the sale
of $37.6 million of 9.12% Preferred Securities (the "Preferred
Securities").  The Trust also issued Common Securities to the
Company and used the net proceeds from the offering to purchase a
like amount of 9.12% Junior Subordinated Deferrable Interest
Debentures (the "Debentures") of the Company.  The Debentures are
the sole assets of the Trust and are eliminated, along with the
related earnings statement effects, in the consolidated financial
statements.  The Company used the proceeds from the sale of the
Debentures to retire certain debt and for general corporate
purposes.  Total expenses associated with the offering
approximating $1.5 million were included in other assets and are
being amortized on a straight-line basis over the life of the
debentures.

     The Preferred Securities accrue and pay distributions
quarterly at an annual rate of 9.12% of the stated liquidation
amount of $25 per Preferred Security.  The Company has fully and
unconditionally guaranteed all of the obligations of the Trust.
The guaranty covers the quarterly distributions and payments on
liquidation or redemption of the Preferred Securities, but only
to the extent of funds held by the Trust.

     The Preferred Securities are mandatorily redeemable upon the
maturity of the Debentures on June 30, 2029 or upon earlier
redemption as provided in the Indenture.  The Company has the
right to redeem the Debentures, in whole or in part on or after
June 30, 2004 at a redemption price specified in the Indenture
plus any accrued but unpaid interest to the redemption date.

     4. Comprehensive Income.

     Comprehensive income was $207 thousand and $4.9 million for
the three months ended March 31, 2000 and 1999, respectively.
The difference between comprehensive income and net earnings
presented in the Consolidated Statement of Earnings is attributed
solely to unrealized gains and losses on available-for-sale
securities.

     5. Acquisitions.

     On March 2, 2000, the Company issued 9,540,048 shares of
common stock to acquire CountryBanc Holding Company of Edmond,
Oklahoma ("CountryBanc"), a multi-bank holding company
that operated two Oklahoma state banks and one Kansas
state bank.  The total value of the CountryBanc acquisition
was $76 million in a stock-for-stock, tax free exchange,
which was accounted for as a pooling of interests.  As of
March 31, 2000, CountryBanc had total assets of
approximately $552.6 million.

     On March 6, 2000, the Company issued 2,708,565 shares of
common stock to acquire First Business Bank of Kansas City, N.A.
("First Business Bank"), which is located in the heart of
the popular Country Club Plaza area.  The acquisition was
approximately $20 million in a stock-for-stock, tax free
exchange.  The transaction was accounted for as a pooling of
interests except for the 14% minority interest held by third
parties in First Business Bank.  The acquisition of the
minority interests of 14% was accounted for as a purchase.
As of March 31, 2000, First Business Bank had total assets
of approximately $130.7 million.



<PAGE>

     On March 20, 2000, the Company issued 8,319,131 shares of common
stock to acquire American Bancshares, Inc. of Bradenton, Florida
("American Bancshares"), owner of American Bank.  American
Bank is one of the largest community banks on the west coast
of Florida.  The acquisition was approximately $55 million in
a stock-for-stock, tax free exchange which was accounted
for as a pooling of interests.  As of March 31, 2000, American
Bancshares had total assets of approximately $471.6 million.

     6.   Consolidation/Repositioning/Pooling Expense

     During the quarter ended March 31, 2000, the Company acquired
the three financial institutions as discussed in footnote #5.  Since
the three acquisitions were accounted for as pooling of interests,
the Company expensed the costs associated with the acquisition
during the quarter ended March 31, 2000.  The pooling costs were
$10.1 million before income taxes and $7.4 million - net of
income taxes.

     During 1999 and the quarter ended March 31, 2000, the Company
incurred consolidation and repositioning expenses.  The expenses
were mainly due to the Company consolidating its Kansas banks into
a single statewide organization.  Details of the consolidation and
repositioning accrual are as follows (in thousands):

                                            Activity for
                                           Quarter Ended
                                           March 31, 2000

                           Accrual at                          Accrual at
                          Dec. 31, 1999   Expense    Paid    March 31, 2000

Salaries, benefits and
  severance                  $  552        $464     $  532       $  484

Asset write-downs and
  lease abandonments            815          47        245          617

Other repositioning
  expenses                      480         213        513          180

                             $1,847        $724     $1,290       $1,281

     7.   Subsequent Events:

     On April 26, 2000 the Board of Directors declared a $0.02
cash dividend on common stock to shareholders of record as of
April 28, 2000, payable on May 10, 2000.

     8.   Legal proceedings.

     Gold Bank (formerly Exchange National Bank) is one of
several named defendants in a number of lawsuits arising out of
the same circumstances.  The litigation was brought on behalf of
persons who purchased distributorships from an entity known as
Parade of Toys ("Parade").  Gold Bank was included on trade
reference sheets that listed other banks with whom Parade had
done business.  Plaintiffs allege that they contacted the persons
listed on the trade reference sheets and that the trade reference
defendants made false and misleading misrepresentations on which
plaintiffs relied to their detriment.  Their current claims
include theories of fraud, negligent misrepresentations, civil
conspiracy, and negligence.

     Plaintiffs commenced the litigation in May 1997 as a
putative class action in the District Court of Johnson County,
Kansas.  They then obtained an order dismissing the case without
prejudice and, in September 1997, refiled in the United States
District Court for the District of Kansas.  After the federal
court denied class certification, plaintiffs filed a second
action on behalf of 670 named plaintiffs.  The court ruled that
those claims were misjoined and set a deadline for plaintiffs to
initiate new individual actions or to have their claims dismissed
with prejudice.  Plaintiffs then obtained an order from the
federal court dismissing all claims without prejudice and
reinitiated certain of their claims in state court in Johnson
County, Kansas.

     Plaintiffs began the process of recommencing the litigation
by filing a separate action for each plaintiff in February 1999.
Gold Bank was named as a defendant in 24 of those individual
actions.  Plaintiffs then filed a number of multi-plaintiff
actions.  On July 28, 1999, the state court ruled that claims in
the multi-plaintiff actions had been misjoined and that only the
first-named plaintiff in each case could proceed.  It gave
plaintiffs until October 28, 1999 to commence new individual
actions or to have their claims dismissed with prejudice.
Plaintiffs have now filed a total of 263 individual actions in
which Gold Bank is a defendant.  The majority of these actions
allege damages that range between $18,000 and $26,000.

     Gold Bank denies any liability and intends to vigorously
defend these and any additional claims.  Neither the Bank nor
its counsel is able to estimate the Bank's potential range of
monetary exposure, if any, or to predict the likely outcome
of these matters.
<PAGE>
        MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
               CONDITION AND RESULTS OF OPERATIONS


FINANCIAL CONDITION, LIQUIDITY AND CAPITAL RESOURCES

     Total average assets were $2.6 billion for the three months
ended March 31, 2000, compared to $2.3 billion for the three
months ended March 31, 1999, a 13.0% increase.  Assets increased
during 2000 due to internal loan growth.

     Total assets were $2.6 billion at March 31, 2000, an
increase of $8.4 million from December 31, 1999.  Net loans grew
$34.7 million during the first three months of 2000.  Internal
growth produced the increase, with the majority of the increase
originating from the Company's suburban Kansas City locations.
Internal loan growth was funded through an increase in deposits
and additional short-term and long-term Federal Home Loan Bank
(FHLB) borrowings. The allowance for loan losses increased to
$26.7 million at March 31, 2000 from $26.0 million at December
31, 1999. The allowance represented 1.44% and 1.43% of total
loans as of March 31, 2000 and December 31, 1999, respectively.

     For the three months ended March 31, 2000, the Company's
annualized return on average assets ("ROA") was (0.12%), compared
to 0.94% for the three months ended March 31, 1999.  Return on
average common stockholders' equity ("ROE") for the three months
ended March 31, 2000 and 1999 was (1.80%) and 12.83%,
respectively.

     Cash and cash equivalents and investment securities totaled
$562.6 million, or 22.0% of total assets at March 31, 2000,
compared to $584 million, or 22.9%, at December 31, 1999. At
March 31, 2000, the Company's leverage, Tier 1 risk-based
capital, and total risk-based capital ratios were 7.38%, 9.32%,
and 11.77%, respectively, compared to minimum required levels of
4%, 8% and 4%, respectively (subject to change and the discretion
of regulatory authorities to impose higher standards in
individual cases).  At March 31, 2000, the Company had risk-
weighted assets of $1.99 billion.

     During the second quarter of 1999, the Company issued $37.6
million of 9.12% Guaranteed Preferred Junior Subordinated
Debentures (Junior Subordinated Debentures).  Proceeds from the
issuance were used to repay $11 million in correspondent bank
debt and the remaining amount was to be used for acquisitions and
general corporate purposes. The Company established a line of
credit in the amount of $25 million with a correspondent bank
during the third quarter of 1998.  As of March 31, 2000, the line
of credit had a balance of $14 million.

     Management believes that cash generated from its operations,
from its Junior Subordinated Debentures and from its
correspondent bank facility will be sufficient to meet its cash
requirements for acquisitions, internal growth and general
operations in the foreseeable future.





<PAGE>


RESULTS OF OPERATIONS

NET INTEREST INCOME

     Total interest income for the three months ended March 31,
2000 was $50.3 million, a $8.2 million or a 19.4% increase over
the three months ended March 31, 1999. The increase during the
quarter was primarily the result of internal loan growth.
Average total earning assets increased $231.7 million or 25.3% to
$2.3 billion at March 31, 2000, compared to $2.1 billion at March
31, 1999.

     Total interest expense for the three months ended March 31,
2000 was $26.1 million, a $5.0 million or a 23.8% increase over
the three months ended March 31, 1999.  The increase was the
result of greater average deposits, an increase in borrowings and
the Junior Subordinated Debentures.  Average total interest-
bearing liabilities increased by $232.6 million or 12.6% to $2.08
billion during the three months ended March 31, 2000 compared to
$1.84 billion at March 31, 1999, primarily due to acquisitions,
more interest bearing deposits, the increased level of borrowings
and the Junior Subordinated Debentures.

     Net interest income was $24.2 million for the three months
ended March 31, 2000, compared to $21.1 million for the same
period in 1999, an increase of 14.9%. The Company's net interest
margin increased from 4.07% for the three months ended March 31,
1999 to 4.21% for the three months ended March 31, 2000 primarily
due to the higher loan volumes and yields.

PROVISIONS FOR LOAN LOSSES

     The provision for loan losses for the three months ended
March 31, 2000, was $661,000, compared to $1.1 million for the
comparable 1999 period.   The allowance represented 1.44% and
1.43% of total loans as of March 31, 2000 and December 31, 1999,
respectively.  The Company monitors its allowance for loan losses
to total loans ratio on a monthly basis in order to maintain a
ratio within internally defined guidelines of 1.15% to 1.65%.

OTHER INCOME

     Other income for the three months ended March 31, 2000 was
$8.3 million, an increase of $2.4 million, or 40.3% over the same
period last year.  The increase in other income resulted from an
increase in fee based income from acquired nonbank subsidiaries
providing trust fees, mortgage loan income, computer sales and
service fees and investment management fees.

OTHER EXPENSE

     Other expense for the three months ended March 31, 2000 was
$32.5 million, an increase of $15.1 million, or 86.5% over the
same period last year. This increase was due to the
consolidation/repositioning/pooling expenses, increased salaries
and benefits expenses, occupancy expense and other non-interest
expenses.  Most of these increases were related to recent
acquisitions.  The Company's overall efficiency ratio decreased
during the first three months of 2000 to 100% compared to 64.6%
for the first three months in 1999 due to the consolidation/
repositioning/pooling expenses.





<PAGE>

INCOME TAX EXPENSE

     Income tax expense for the three months ended March 31, 2000
and March 31, 1999 was $121,000 and $3.1 million, respectively.
The effective tax rates for those periods were 30.6% and 36.4%,
respectively, after adjusting for the one-time pooling costs.
The first quarter's effective tax rate for 2000 compared to the
year to date 1999 effective tax rate declined due to a greater
volume of tax-free investments and lower state and local taxes.


ACCOUNTING AND FINANCIAL REPORTING

     The Financial Accounting Standards Board (FASB) issued SFAS
No. 131, Disclosures about Segments of an Enterprise and Related
Information, in June 1998.  SFAS No. 131 requires that public
enterprises report financial and descriptive information about
their reportable operating segments.  Operating segments are
components of an enterprise about which separate financial
information is available that is evaluated regularly by
management. SFAS No. 131 is effective for fiscal years beginning
after December 15, 1998.  The adoption of the standard is not
expected to have a significant impact on the financial statements
of the Company.

     The Financial Accounting Standards Board (FASB) issued SFAS
No. 133, Accounting for Derivative Instruments and Hedging
Activities in June 1998.  SFAS No. 133 establishes accounting and
reporting standards for derivative instruments, including certain
derivative instruments embedded in other contracts, and for
hedging activities.  It requires that an entity recognize all
derivatives as either assets or liabilities in the statement of
financial position and measure those instruments at fair value.
This Statement is effective for all fiscal quarters of fiscal
years beginning after June 15, 2000.  Management believes
adoption of SFAS No. 133 will not have a material effect on the
Company's financial position or results of operations, nor will
adoption require additional capital resources.





<PAGE>


QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

     Asset/liability management refers to management's efforts to
minimize fluctuations in net interest income caused by interest
rate changes.  This is accomplished by managing the repricing of
interest rate sensitive interest-earning assets and interest-
bearing liabilities.  An interest rate sensitive balance sheet
item is one that is able to reprice quickly, through maturity or
otherwise.  Controlling the maturity or repricing of an
institution's liabilities and assets in order to minimize
interest rate risk is commonly referred to as gap management.
Close matching of the repricing of assets and liabilities will
normally result in little change in net interest income when
interest rates change.  A mismatched gap position will normally
result in changes in net interest income as interest rates
change.

     Along with internal gap management reports, the Company and
the Banks use an asset/liability modeling service to analyze each
Bank's current gap position.  The system simulates the Banks'
asset and liability base and projects future net interest income
results under several interest rate assumptions.  The Company
strives to maintain an aggregate gap position such that changes
in interest rates will not affect net interest income by more
than 10% in any twelve-month period.  The Company has not engaged
in derivative transactions for its own account.

     The following table indicates that, at March 31, 2000, in
the event of a sudden and sustained increase in prevailing market
rates, the Companies net interest income would be expected to
increase, while a decrease in rates would indicate a decrease in
income.

Changes in Interest      Net Interest                   Percent
Rates                       Income      Actual Change  Change Actual

200 basis point rise      $97,219,100   $2,971,700          3.2%
100 basis point rise      $96,042,800   $1,795,400          1.9%
Base Rate Scenario        $94,247,400       ---             ---
100 basis point decline   $92,434,100   ($1,813,300)       (1.9%)
200 basis point decline   $90,802,800   ($3,444,600)       (3.7%)

YEAR 2000

    The Company has not experienced any difficulties or problems in
relation to the Year 2000.  While the Company does not expect to
encounter any difficulties or problems in the future, the Company
has a contingency plan in place to deal with the Year 2000.




<PAGE>


                             PART II
                        OTHER INFORMATION

ITEM 1:   LEGAL PROCEEDINGS

     Gold Bank (formerly Exchange National Bank) is one of
several named defendants in a number of lawsuits arising out of
the same circumstances.  The litigation was brought on behalf of
persons who purchased distributorships from an entity known as
Parade of Toys ("Parade").  Gold Bank was included on trade
reference sheets that listed other banks with whom Parade had
done business.  Plaintiffs allege that they contacted the persons
listed on the trade reference sheets and that the trade reference
defendants made false and misleading misrepresentations on which
plaintiffs relied to their detriment.  Their current claims
include theories of fraud, negligent misrepresentations, civil
conspiracy, and negligence.

     Plaintiffs commenced the litigation in May 1997 as a
putative class action in the District Court of Johnson County,
Kansas.  They then obtained an order dismissing the case without
prejudice and, in September 1997, refiled in the United States
District Court for the District of Kansas.  After the federal
court denied class certification, plaintiffs filed a second
action on behalf of 670 named plaintiffs.  The court ruled that
those claims were misjoined and set a deadline for plaintiffs to
initiate new individual actions or to have their claims dismissed
with prejudice.  Plaintiffs then obtained an order from the
federal court dismissing all claims without prejudice and
reinitiated certain of their claims in state court in Johnson
County, Kansas.

     Plaintiffs began the process of recommencing the litigation
by filing a separate action for each plaintiff in February 1999.
Gold Bank was named as a defendant in 24 of those individual
actions.  Plaintiffs then filed a number of multi-plaintiff
actions.  On July 28, 1999, the state court ruled that claims in
the multi-plaintiff actions had been misjoined and that only the
first-named plaintiff in each case could proceed.  It gave
plaintiffs until October 28, 1999 to commence new individual
actions or to have their claims dismissed with prejudice.  Plaintiffs
have now filed a total of 263 individual actions in which Gold Bank
is a defendant.  The majority of these actions allege damages that
range between $18,000 and $26,000.

     Gold Bank denies any liability and intends to vigorously
defend these and any additional claims.  Neither the Bank
nor its counsel is able to estimate the Bank's potential
range of monetary exposure, if any, or to predict the
likely outcome of these matters.


<PAGE>


ITEM 2:   CHANGES IN SECURITIES AND USE OF PROCEEDS

     On June 9, 1999, GBCI Capital Trust II (the "Trust"), a
Delaware business trust formed by the Company, completed the sale
of $37.6 million of 9.12% Preferred Securities (the "Preferred
Securities") in a registered offering made through an
underwriting group led by Advest, Inc. and U.S. Bancorp Piper
Jaffray, Inc.

     The Trust also issued Common Securities to the Company and
used the net proceeds from the offering to purchase a like amount
of 9.12% Junior Subordinated Deferrable Interest Debentures (The
"Debentures") of the Company. In connection with the offering the
Company and the Trust registered a total of $40.3 million of
Preferred Securities on a Form S-3 Registration Statement
(Registration Nos. 333-76623 and 333-76623-01).  Total expenses
associated with the offering were approximately $1.5 million,
including $1.3 million in underwriting discounts and an advisory
fee paid to Advest, Inc.  As of March 31, 2000, the Company had
used the net proceeds from the sale of the Debentures to repay
approximately $11.0 million of corporate indebtedness and the
remaining amount was to be used for acquisitions and general
corporate purposes.

ITEM 3:   DEFAULTS UPON SENIOR SECURITIES

          None

ITEM 4:   SUBMISSION OF MATTERS TO A VOTE OF SECURITY-HOLDERS

          None

ITEM 5:   OTHER INFORMATION

          None

ITEM 6:   EXHIBITS AND REPORTS ON FORM 8-K

     (a)  EXHIBITS REQUIRED TO BE FILED BY ITEM 601 OF
          REGULATION S-K

          27. Financial Data Schedule

     (b)  REPORTS ON FORM 8-K

          The Company filed the following five Current Reports on
          Form 8-K during the first quarter of 2000:

          (1)  Form 8-K filed on January 5, 2000, reporting
               under Item 5 and 7.
          (2)  Form 8-K filed on January 26, 2000, reporting
               under Item 5 and 7.
          (3)  Form 8-K filed on January 26, 2000, reporting
               under Item 5 and 7.
          (4)  Form 8-K filed on March 3, 2000, reporting under
               Item 5 and 7.
          (5)  Form 8-K filed on March 20, 2000, reporting under
               Items 5 and 7.
          (6)  Form 8-K filed on March 23, 2000, reporting under
               Items 5 and 7.
          (7)  Form 8-K filed on May 2, 2000, reporting under
               Items 5 and 7.


<PAGE>



SIGNATURES

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

                                   GOLD BANC CORPORATION, INC.


Date:  May 15, 2000                By:/s/ David Phillips
                                        David Phillips
                                        Principal Accounting Officer

(Authorized officer and
principal financial officer of the
registrant)

<PAGE>