EXHIBIT 10.13




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                            LANDMARK BANCSHARES, INC.

                             STOCK OPTION AGREEMENT
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This  Agreement  constitutes  the  award of STOCK  OPTIONS  for a total of 2,500
shares of Common Stock, par value $.10 per share, of Landmark  Bancshares,  Inc.
(the  "Corporation"),  to Stephen H. Sundberg (the  "Participant") on such terms
and conditions as are set forth hereinafter.


     1.   Definitions. As used herein, the following definitions shall apply.

              "Award" means the grant by the Board of the Corporation of a Stock
Option as detailed hereinafter.

              "Bank"  shall  mean   Landmark   Federal   Savings  Bank,  or  any
predecessor corporation thereto.

              "Board" shall mean the Board of Directors of the  Corporation,  or
any successor or parent corporation thereto.

              "Code" shall mean the Internal Revenue Code of 1986, as amended.

              "Committee"  shall  mean the Board or the Stock  Option  Committee
which may be appointed by the Board from time to time.

              "Common Stock" shall mean common stock, par value $.010 per share,
of the Corporation, or any successor or parent corporation thereto.

         "Corporation"  shall  mean  Landmark   Bancshares,   Inc.,  the  parent
corporation for the Bank, or any predecessor or parent thereof.

              "Director" shall mean a member of the Board of the Corporation, or
any successor or parent corporation thereto.

              "Director  Emeritus"  shall  mean a person  serving  as a director
emeritus,  advisory director,  consulting  director or other similar position as
may be appointed by the Board of Directors of the Bank of the  Corporation  from
time to time.

              "Disability" means any physical or mental impairment which renders
the Participant incapable of continuing in the employment or service of the Bank
or the Parent in his then current capacity as determined by the Committee.

              "Date of Grant" shall mean  April 27, 2000.

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              "Employee"  shall mean a person employed by the Corporation or any
present or future Parent or Subsidiary of the Corporation.

              "Fair Market Value" shall mean:  (i) if the Common Stock is traded
otherwise than on a national securities exchange, then the Fair Market Value per
Share  shall be equal to the  mean  between  the last bid and ask  price of such
Common  Stock on such date or,  if there is no bid and ask  price on said  date,
then on the  immediately  prior  business  day on which  there was a bid and ask
price.  If no such bid and ask price is  available,  then the Fair Market  Value
shall be determined by the Committee in good faith;  or (ii) if the Common Stock
is listed on a national  securities  exchange,  then the Fair  Market  Value per
Share shall be not less than the average of the highest and lowest selling price
of such Common Stock on such exchange on such date, or if there were no sales on
said date,  then the Fair Market  Value shall be not less than the mean  between
the last bid and ask price on such date.

              "Option" or "Stock Option" shall mean an option to purchase Shares
awarded  herein which option is not intended to qualify under Section 422 of the
Code.

              "Optioned  Stock"  shall mean  Common  Stock  subject to an Option
granted pursuant to the Agreement.

              "Parent" shall mean any present or future  corporation which would
be a "parent corporation" as defined in Subsections 424(e) and (g) of the Code.

              "Participant" means     Stephen H. Sundberg    .

              "Share" shall mean one share of Common Stock.

              "Subsidiary"  shall mean any present or future  corporation  which
would be a "subsidiary  corporation" as defined in Subsections 424(f) and (g) of
the Code.

     2.   Option Price.  The Option  exercise  price is $ 15.125 for each Share,
          representing  100% of the Fair Market Value of the Common Stock on the
          Date of Grant as determined by the Board of the Corporation.

     3.   Exerciseability of Options.

          (a)  Schedule  of   Exercise.   This  Option   shall  be   immediately
               exercisable as of the Date of Grant for a period of not more than
               ten years thereafter, as noted herein.

          (b)  Method of Exercise. This Option shall be exercisable by a written
               notice which shall:

               (i)  State the  election  to exercise  the Option,  the number of
                    Shares  with  respect  to which it is being  exercised,  the
                    person in whose name the stock  certificate or  certificates
                    for such  Shares of common  Stock is to be


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                    registered,  his address and Social  Security  Number (or if
                    more than one,  the names,  addresses  and  Social  Security
                    Numbers of such person);

              (ii)  Contain  such  representations  and  agreements  as  to  the
                    Participant's  investment intent with respect to such shares
                    of Common Stock as may be satisfactory to the  corporation's
                    counsel;

              (iii) Be signed by the person or persons entitled to exercise the
                    Option and, if the Option is being  exercised  by any person
                    or persons other than the  Participant,  be  accompanied  by
                    proof,  satisfactory to counsel for the Corporation,  of the
                    right of such person or persons to exercise the Option; and

              (iv)  Be in writing and  delivered in person or by certified  mail
                    to the Treasurer of the Corporation.

Payment of the purchase  price of any Shares with respect to which the Option is
being exercised  shall be by certified or bank cashier's or teller's check.  The
Certificate  or  certificates  for shares of Common Stock as to which the Option
shall be  exercised  shall be  registered  in the name of the  person or persons
exercising the Option.

          (c)  Restrictions on Exercise. This Option may not be exercised if the
               issuance  of the Shares upon such  exercise  would  constitute  a
               violation of any applicable  federal or state securities or other
               law or valid  regulation.  As a  condition  to the  Participant's
               exercise of this Option,  the  Corporation may require the person
               exercising this Option to make any representation and warranty to
               the  Corporation  as may be  required  by any  applicable  law or
               regulation.

     4.   Non-transferability  of Option.  This Option may not be transferred in
          any  manner  otherwise  than  by  will  or  the  laws  of  descent  or
          distribution   and  may  be  exercised  during  the  lifetime  of  the
          Participant only by the Participant. The terms of this Option shall be
          binding  upon the  executor,  administrators,  heirs,  successors  and
          assigns of the Participant.

     5.   Six Month Holding  Period.  A total of six months must elapse  between
          the  Date of  Grant of an  Option  and the date of the sale of  Common
          Stock received through the exercise of an Option.

     6.   Recapitalization, Merger, Consolidation, Change in Control and Similar
          Transactions.

          (a)  Adjustment. Subject to any required action by the stockholders of
               the Corporation, within the sole discretion of the Committee, the
               aggregate  number of Shares of Common Stock for which Options may
               be  granted  hereunder,  the  number of  Shares  of Common  Stock
               covered by each  outstanding  Option,  and the exercise price per
               Share  of  Common  Stock  of  each  such  Option,  shall  all  be
               proportionately  adjusted  for any  increase  or  decrease in the
               number of issued and outstanding Shares of Common Stock resulting
               from a subdivision or  consolidation of shares (whether by reason
               of

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               merger,   consolidation,   recapitalization,    reclassification,
               split-up,  combination of shares, or otherwise) or the payment of
               a stock  dividend  (but only on the  Common  Stock ) or any other
               increase or decrease in the number of such Shares of Common Stock
               effected  without the receipt of consideration by the Corporation
               (other than Shares held by dissenting stockholders).

          (b)  Change in  Control.  In the event of such a change in  control or
               imminent  change  in  control,  the  Participant  shall,  at  the
               discretion  of the  Committee,  be entitled to receive cash in an
               amount equal to the fair market value of the Common Stock subject
               to any Stock  Option  over the Option  Price of such  Shares,  In
               exchange for the surrender of such Options by the  Participant on
               that date in the event of a change in control or imminent  change
               in control of the  Corporation.  For  purposes of the  Agreement,
               "change in control" shall mean: (i) the execution of an agreement
               for the sale of all or a material  portion,  of the assets of the
               Corporation;  (ii) the  execution of an agreement for a merger or
               recapitalization   of   the   Corporation   or  any   merger   or
               recapitalization  whereby the  Corporation  is not the  surviving
               entity;  (iii)  a  change  of  control  of  the  Corporation,  as
               otherwise   defined  or   determined  by  the  Office  of  Thrift
               Supervision  or  regulations  promulgated  by  it;  or  (iv)  the
               acquisition,  directly or indirectly, of the beneficial ownership
               (within the  meaning of that term as it is used in Section  13(d)
               of the  Securities  Exchange  Act  of  1934  and  the  rules  and
               regulations  promulgated thereunder) of twenty-five percent (25%)
               or more of the outstanding  voting  securities of the Corporation
               by any person,  trust, entity or group. This limitation shall not
               apply to the  purchase of shares by  underwriters  in  connection
               with a public  offering of Corporation  stock, or the purchase of
               shares of up to 25% of any class of securities of the Corporation
               by a  tax-qualified  employee  stock benefit plan which is exempt
               from  the  approval  requirements,  set  forth  under  12  C.F.R.
               574.3(c)(1)(vi)  as now in effect or as may hereafter be amended.
               The term  "person"  refers  to an  individual  or a  corporation,
               partnership,  trust, association, joint venture, pool, syndicate,
               sole  proprietorship,  unincorporated  organization  or any other
               form of entity not  specifically  listed herein.  For purposes of
               the  Agreement,  "imminent  change in control" shall refer to any
               offer or announcement,  oral or written, by any person or persons
               acting as a group,  to acquire  control of the  Corporation.  The
               decision  of the  Committee  as to whether a change in control or
               imminent  change in control has occurred  shall be conclusive and
               binding.

          (c)  ExtraordinaryCorporate  Action. Subject to any required action by
               the stockholders of the  Corporation,  in the event of any change
               in control, recapitalization,  merger, consolidation, exchange of
               Shares,  spin-off,  reorganization,   tender  offer,  partial  or
               complete  liquidation or other extraordinary  corporate action or
               event,  the  committee,  in its sole  discretion,  shall have the
               power, prior or subsequent to such action or event to:

                    (i)  appropriately  adjust  the  number  of Shares of Common
                         Stock  subject to each Option,  the exercise  price per
                         Share of  Common  Stock,  and the


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                         consideration   to  be  given   or    received  by  the
                         Corporation  upon  the  exercise  of   any  outstanding
                         Option;

                    (ii) cancel any or all previously granted Options,  provided
                         that   appropriate   consideration   is   paid  to  the
                         Participant in connection therewith; and/or

                    (iii)make such  other  adjustments  in  connection  with the
                         Agreement  as the  Committee,  in its sole  discretion,
                         deems necessary, desirable, appropriate or advisable.

     7.   Related Matters.

          (a)  Payment.  Full payment for each Share of Common  Stock  purchased
               upon the  exercise of any Stock  Option  granted  herein shall be
               made at the time of exercise of each such Stock  Option and shall
               be paid in cash (in United  States  Dollars),  Common  Stock or a
               combination  of cash and Common Stock.  Common Stock  utilized in
               full or partial  payment of the exercise price shall be valued at
               its fair market  value at the date of exercise.  The  Corporation
               shall accept full or partial  payment in Common Stock only to the
               extent  permitted  by  applicable  law. No Shares of Common Stock
               shall be issued until full payment therefore has been received by
               the Corporation,  and no Participant shall have any of the rights
               of a stockholder of the  Corporation  until Share of Common Stock
               are issued to him.

          (b)  Cashless Exercise.  A Participant who has held a Stock Option for
               at least six months may engage in the "cashless  exercise" of the
               Option.  In  a  cashless   exercise,   a  Participant  gives  the
               Corporation written notice of the exercise of the Option together
               with an order to a registered  broker-dealer  or equivalent third
               party,  to sell part or all of the Optioned  Stock and to deliver
               enough of the proceeds to the Corporation to pay the Option price
               and any applicable withholding taxes. If the Participant does not
               sell the Optioned  Stock  through a registered  broker-dealer  or
               equivalent  third  party,  he can  give the  Corporation  written
               notice  of the  exercise  of  the  Option  and  the  third  party
               purchaser of the  Optioned  Stock shall pay the Option price plus
               any applicable withholding taxes to the Corporation.

          (c)  Transferability.   Any  Stock  Option  granted  pursuant  to  the
               Agreement shall be exercised during a Participant's lifetime only
               by the  Participant  to  whom it was  granted  and  shall  not be
               assignable or transferable  otherwise than by will or by the laws
               of descent and distribution.

          (d)  Effect  of  Termination  of  Employment  or  Service.   Upon  the
               termination  of a  Participant's  employment  or service with the
               Corporation  or the  Bank as a  Director,  Director  Emeritus  or
               Employee,  the  Participant may continue to exercise such Options
               for a  period  of six  months  from the  date of  termination  of
               employment or service by the Participant,  but not later than the
               date on which the Option would otherwise expire.  Such Options of
               a deceased Participant may be exercised within two years from the
               date of his or her  death,  but not later  than the date on which
               the Option would otherwise expire.

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          (e)  Change in Applicable  Law.  Notwithstanding  any other  provision
               contained  in the  Agreement,  in the  event of a  change  in any
               federal or state law,  rule or  regulation  which  would make the
               exercise of all or part of any  previously  granted  Stock Option
               unlawful or subject the Corporation to any penalty, the Committee
               may  restrict  any  such  exercise  without  the  consent  of the
               Participant  or other holder  thereof in order to comply with any
               such law, rule or regulation or to avoid any such penalty.

          (f)  Conditions  Upon  Issuance of Shares.  Shares shall not be issued
               with respect to any Option granted under the Agreement unless the
               issuance  and  delivery  of such  Shares  shall  comply  with all
               relevant provision of law,  including,  without  limitation,  the
               Securities  Act of 1933,  as amended,  the rules and  regulations
               promulgated  thereunder,  any applicable state securities law and
               the  requirements of any stock exchange upon which the Shares may
               then be listed.

The inability of the Corporation to obtain from any regulatory body or authority
deemed by the  Corporation's  counsel to be necessary to the lawful issuance and
sale of any Shares  hereunder  shall relieve the Corporation of any liability in
respect of the non-issuance or sale of such Shares.

As a condition to the  exercise of an Option,  the  Corporation  may require the
person exercising the Option to make such  representations and warranties as may
be necessary to assure the  availability  of an exemption from the  registration
requirements of federal or state securities law.

          (g)  Withholding  Tax. The Corporation  shall have the right to deduct
               from  all  amounts  paid in cash  with  respect  to the  cashless
               exercise of Options under the Agreement any taxes required by law
               to be  withheld  with  respect  to such  cash  payments.  Where a
               Participant  or  other  person  is  entitled  to  receive  Shares
               pursuant to the Exercise of an Option  pursuant to the Agreement,
               the  Corporation  shall have the right to require the Participant
               or such  other  person to pay the  Corporation  the amount of any
               taxes which the  Corporation is required to withhold with respect
               to such  Shares,  or,  in lieu  thereof,  to  retain,  or to sell
               without notice,  a number of such Shares  sufficient to cover the
               amount required to be withheld.

          (h)  Governing  Law. The Agreement  shall be governed by and construed
               in accordance with the laws of the State of Kansas, except to the
               extent that federal law shall be deemed to apply.

          (i)  Administration. All decisions,  determinations and interpretation
               of the  Committee  shall be final and  conclusive  on all persons
               affected thereby.

     8.   Successors and  Assigns.  This Agreement shall inure to the benefit of
          and be binding upon any  corporate  or other  successor of the Bank or
          Parent  which  shall


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          acquire, directly or indirectly, by merger, consolidation, purchase or
          otherwise, all or substantially all of the assets or stock of the Bank
          or Parent.

     9.   Amendments.  No  amendments  or additions to this  Agreement  shall be
          binding upon the parties  hereto  unless made in writing and signed by
          both parties, except as herein otherwise specifically provided.

     10.  Severability.  The  provisions  of  this  Agreement  shall  be  deemed
          severable  and the  invalidity  or  unenforceability  of any provision
          shall  not  effect  the  validity  or   enforceability  of  the  other
          provisions hereof.

     11.  Entire  Agreement.  This Agreement  together with any understanding or
          modifications  thereof as agreed to in writing by the  parties,  shall
          constitute the entire agreement between the parties hereto.

This Agreement is hereby executed between the parties as of April 27 , 2000.


         LANDMARK BANCSHARES, INC.



         By:     ------------------------------------------------------

                     Larry Schugart



         Attest:
                 ------------------------------------------------------
                     Gary L. Watkins


         (SEAL)



         Accepted:
                   ----------------------------------------------------
                     Stephen H. Sundberg      (Participant)


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