Exhibit 99.1

              Factors That May Affect Future Results of Operations,
                        Financial Condition or Business

      We have identified  important risks and  uncertainties  that could affect
the our results of operations,  business or financial  condition and that could
cause them to differ  materially  from our  historical  results of  operations,
financial  condition  or business,  or those  contemplated  by  forward-looking
statements  made  herein or  elsewhere  by, or on behalf of, us.  Factors  that
could cause or  contribute  to such  differences  include,  but are not limited
to, those factors described below.

      Loss of key  personnel  could have an adverse  effect on our  operations.
The loss of certain key personnel  could adversely  affect our operations.  Our
success  depends  in large  part on the  retention  of a limited  number of key
persons,  including:  Malcolm  M.  Aslin,  our  President  and Chief  Executive
Officer,  and  Rick  J.  Tremblay,  our  Executive  Vice  President  and  Chief
Financial  Officer.  We will likely  undergo a difficult  transition  period if
we lose the services of these  individuals.  In  recognition  of this risk,  we
own, and are the beneficiary of,  insurance  policies on the lives of these key
employees and have entered into an employment agreement with Mr. Aslin.

      We also place  great value on the  experience  of the  presidents  of our
subsidiary  banks and the community bank  presidents in each of our markets and
on their  relationships  with the  communities  they  serve.  The loss of these
key persons could  negatively  impact the affected  banking  locations.  We may
not be  able  to  retain  our  current  key  personnel  or  attract  additional
qualified key persons as needed.

      We may not be able to maintain our growth rate.  It may be difficult  for
us to maintain  our rapid rate of growth.  The  out-state  market  areas we now
serve  offer  more  limited  opportunities  for  growth  than our  metropolitan
markets.  We  believe  future  growth in our  revenues  and net  earnings  will
depend  primarily on our internal growth in the  metropolitan  markets where we
are located.  Other financial  institutions in these metropolitan  markets also
compete  intensely  for assets and  deposits.  This  competition  may adversely
affect our ability to profitably grow our asset and deposit base.

      During  the  period  from  1996 to 2000,  we grew  significantly  through
acquisitions.  While  in the  future  we may  supplement  our  internal  growth
through future acquisitions in metropolitan  markets,  primarily in the Midwest
and  the  west  coast  of  Florida,   there  is  great   competition  for  such
acquisition   candidates.   We  may  not  be  successful  in  identifying,   or
evaluating  risks  inherent in, any such  acquisition  candidates or be able to
acquire  such  acquisition  candidates  on terms we feel are  favorable.  We do
not anticipate making any additional acquisitions in the next 9 to 15 months.

      Our  objectives  for  earnings  growth,  return on equity  and  return on
assets  have  been  achieved  primarily  through  extensive  growth in loans in
Kansas and  Florida.  Satisfying  these  objectives  in the future will require
increasing  amounts of capital to meet regulatory  requirements.  We may not be
able to obtain such capital in adequate amounts or on attractive terms.

      Our allowance for loan losses may not be adequate.  Our allowance for loan
losses may not be adequate  to cover  actual loan  losses.  As a lender,  we are
exposed  to the risk that our  customers  will be unable  to repay  their  loans
according to their terms and that any  collateral  securing the payment of their
loans may not be  sufficient to cover  repayment.  Credit losses are inherent in
the lending  business and could have a material  adverse effect on our operating
results.  Additionally,  approximately  91.0% of our loan  portfolio on June 30,
2004 consisted of construction  loans,  loans secured by commercial real estate,
commercial  business  loans and other  loans.  These loans  generally  involve a
greater  degree of risk of  nonpayment or late payment than home equity loans or
residential mortgage loans and carry higher loan balances. The risk of loss will
vary  with  general  economic  conditions,  the  type of loan  being  made,  the
creditworthiness  of the borrower  over the term of the loan and the quality and
value of the collateral in the case of collateralized loans, among other things.
Our credit risk with respect to our real estate and construction  loan portfolio
relates principally to the general creditworthiness of individuals and the value
of real estate  serving as security for the repayment of such loans.  Our credit
risk with respect to our  commercial  and consumer  installment  loan  portfolio
relates   principally  to  the  general   creditworthiness   of  businesses  and
individuals  within  our local  markets.  Our  credit  risk with  respect to our
agricultural loan portfolio  relates,  among other factors,  to commodity prices
and weather patterns.



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      We make various  assumptions and judgments about the collectability of our
loan portfolio and provide an allowance for losses based on a number of factors.
If our  assumptions  are  wrong,  our  allowance  for  loan  losses  may  not be
sufficient  to cover our loan losses.  We may have to increase the  allowance in
the future.  Material  additions to our  allowance  for loan losses would have a
material adverse effect on our net earnings.

      Changes in interest rates could adversely  affect  profitability.  We may
be unable to manage  interest  rate risk that  could  reduce  our net  interest
income.  Like other  financial  institutions,  our  results of  operations  are
impacted  principally by net interest income,  which is the difference  between
interest  earned  on  loans  and  investments  and  interest  expense  paid  on
deposits  and other  borrowings.  We  cannot  predict  or  control  changes  in
interest  rates.  Regional and local  economic  conditions  and the policies of
regulatory  authorities,  including  monetary  policies of the Federal Reserve,
affect  interest  income  and  interest  expense.  Interest  rate  cuts  by the
Federal Reserve  throughout 2003, 2002 and 2001 have generally  reduced our net
interest  margin.  While we  continually  take measures  intended to manage the
risks from  changes in market  interest  rates,  including  interest  rate swap
agreements,  changes  in  interest  rates can  still  have a  material  adverse
effect on our profitability.

     Funding our  substantial  cash  requirements  with  dividends from our bank
subsidiaries  will reduce the capital levels of the banks and thus their ability
to grow. We are a separate  legal entity from our  subsidiaries  and do not have
significant  operations of our own. We depend  primarily on dividends we receive
from our subsidiaries,  which may be limited by statute and regulations, and our
cash and liquid  investments to pay dividends on our common stock and to pay our
operating  expenses.  In  addition,  we had an aggregate  outstanding  amount of
$115.7  million  in  subordinated  debt as  compared  to total  equity of $259.6
million  outstanding,  as of June 30, 2004. Our annual interest  payments due on
these  borrowings  were  approximately  $7.2 million as of June 30, 2004. In the
current  interest  rate  environment,  the  effect  of our  interest  rate  swap
agreement  will be to reduce such interest  payments.  We are also  dependent on
dividends from our bank subsidiaries to service these borrowings, and ultimately
for principal  repayment at maturity,  as well as to service our line of credit.
The FRB-KC and the  Commissioner  have the  authority  to  prohibit or limit the
payment of  dividends by our banking  subsidiaries  to us and the FRB-KC has the
authority  to  prohibit  or  limit  the  payment  of  dividends  by  us  to  our
stockholders.

      Even if our subsidiaries are able to generate  sufficient earnings to pay
dividends  to us,  their  boards of  directors  may  decide to retain a greater
portion of their earnings to maintain  existing  capital or achieve  additional
capital  necessary  in light  of the  financial  condition,  asset  quality  or
regulatory  requirements of the subsidiaries or other business  considerations.
The  extent to which our bank  subsidiaries  pay us a  significant  portion  of
their   retained   earnings  as   dividends  to  fund  our   substantial   cash
requirements  may also  reduce  the  ability of the bank  subsidiaries  to grow
while maintaining  regulatory  capital ratios at "well  capitalized"  standards
set by federal regulators.

      Local  economic   conditions   could  adversely  affect  our  operations.
Changes  in the local  economic  conditions  could  adversely  affect  our loan
portfolio and results of  operations.  Our success  depends to a certain extent
upon the  general  economic  conditions  of the  local  markets  that we serve.
Unlike  larger  banks  that are more  geographically  diversified,  we  provide
banking  and  financial  services  to  customers  in those  markets  in Kansas,
Oklahoma,  Missouri and  Florida,  including a number of rural  markets,  where
our  subsidiary  banks  operate or are  expected  to operate.  Our  commercial,
agricultural,  real  estate  and  construction  loans,  and the  ability of the
borrowers to repay these loans and the value of the  collateral  securing these
loans,  are  impacted  by the local  economic  conditions.  Favorable  economic
conditions may not continue in such markets.


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     Our ability to pay  dividends on our common stock is limited by the ability
of our subsidiary  banks to pay dividends under  applicable law and by contracts
relating to our trust preferred securities.  Our ability to pay dividends on our
common stock  largely  depends on our receipt of dividends  from our  subsidiary
banks.  The  amount  of  dividends  that our  subsidiary  banks may pay to us is
limited  by federal  and state  banking  laws and  regulations.  As a  financial
holding  company,   our  subsidiary  banks  are  required  to  maintain  capital
sufficient to meet the "well  capitalized"  standard set by the  regulators  and
will be able to pay dividends to us only so long as their  capital  continues to
exceed  these  levels.  We or our banks  may  decide  to limit  the  payment  of
dividends  even when we or they have the legal  ability  to pay them in order to
retain earnings for use in our or our banks' business.  Under contracts relating
to our trust preferred  securities,  we are prohibited from paying  dividends on
our common  stock if we have not made  required  payments on, or have elected to
defer payments of interest on, the junior  subordinated  debentures that support
our trust  preferred  securities  or if an event of default has  occurred and is
continuing with respect to such debentures.  Substantially  similar  contractual
provisions related to the trust preferred securities for Gold Bank-Florida limit
the payment of dividends by our Florida intermediate holding company.

      Our   shareholder   rights  plan  and   provisions  in  our  articles  of
incorporation  and our bylaws may delay or  prevent an  acquisition  of us by a
third party.  Our board of  directors  has  implemented  a  shareholder  rights
plan.  The rights,  which are  attached to our shares and trade  together  with
our  common  stock,   have  certain   anti-takeover   effects.   The  plan  may
discourage  or make it more  difficult  for another  party to complete a merger
or  tender  offer  for  our  shares  without  negotiating  with  our  board  of
directors  or to  launch a proxy  contest  or to  acquire  control  of a larger
block  of  our  shares.  If  triggered,   the  rights  will  cause  substantial
dilution to a person or group that  attempts to acquire us without  approval of
our  board  of  directors,   and  under  certain   circumstances,   the  rights
beneficially  owned by the person or group may become void.  In  addition,  our
executive  officers may be more likely to retain their  positions  with us as a
result of the plan,  even if their removal would be beneficial to  shareholders
generally.

      Our  articles  of  incorporation  and  our  bylaws  contain   provisions,
including a staggered  board and advance  notice of  stockholder  proposals and
board  nominees,  that make it more difficult for a third party to gain control
or acquire us without the consent of our board of directors.  These  provisions
also  could  discourage  proxy  contests  and may  make it more  difficult  for
dissident  shareholders  to elect  representatives  as directors and take other
corporate  actions.  These provisions of our governing  documents may also have
the effect of delaying,  deferring or preventing a  transaction  or a change in
control that might be in the best interest of our shareholders.


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