Exhibit 10.4

April 22, 2005

Mr. Roger Arwood
7105 W. Augusta Blvd.
Yorktown, Indiana  47396

Dear Roger:

On behalf of Gold Banc
Corporation, Inc. (Gold Banc), I am pleased to offer you the position of President,  Gold
Bank  Kansas and Executive Vice President, Chief Business Banking Officer of Gold
Banc.  Details of  your offer include:

| | A
semi-monthly salary of $11,041.66, which annualizes to $265,000.
|- | ------------------------------------------------------------------

| | An
annual bonus opportunity, of up to 55% of your base salary, based upon the companys
performance  and your performance.  The parameters for obtaining this bonus will be
established by management, with  your input, upon your employment.
|- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | A
grant of 24,000 shares of restricted stock and 16,000 shares of restricted stock units to
be  issued following approval at the next Corporate Board of Directors Meeting.
|- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Relocation
Assistance will be provided per Gold Bancs Relocation Policy. (A copy of the policy
is  enclosed.)
|- | --------------------------------------------------------------------------------------------------------------

| | A
Change of Control Agreement will be provided that will allow for a payment equal to 1
year of base  salary in the event that your employment is terminated within 24 months of
a corporate change of control.
|- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | Eligibility
to participate in our Health and Welfare Plans, once eligibility requirements are met.
|- | --------------------------------------------------------------------------------------------------

| | Eligibility
to participate in the Company 401k plan, which currently provides a match of $.50 on the
$1.00 for the first 5% of voluntary contribution.
|- | ------------------------------------------------------------------------------------------------------------------------------------------------------

| | Eligibility
to participate in the Companys Section 125 (Flexible Spending Accounts) for Medical
and  Dependent Care expenses.
|- | ------------------------------------------------------------------------------------------------------------------------------

| | Life
insurance in the amount of 5 times your annual salary to a maximum of $400,000.
|- | ------------------------------------------------------------------------------------

It is important to note that Gold
Banc Corporation, Inc. reserves the right to modify and/or discontinue the benefits  it
provides, premium amounts it pays, eligibility rules, and other provisions of these
benefit plans, for any reason,  without notice.

With the acceptance of our offer,
it is anticipated that your employment will commence on or  about  June 1, 2005.  In
consideration of this offer, it is expected  that you will execute and return the
enclosed Confidentiality Agreement.  In addition, this letter and its  attachments should
not be construed  as a contract for employment, or for any length of employment.  This
offer is contingent upon satisfactory completion  of a drug test.  Continued employment
is contingent upon satisfactory results of a FBI fingerprint check.

Roger, on behalf of the senior
management of Gold Banc Corporation, Inc., we are very pleased to extend this offer to
you.  We hope that your association with us will be long and rewarding.  Please indicate
your comprehension and  acceptance of this offer by signing below and returning a
completed, signed copy of this letter in the envelope  provided.  This offer will expire
if a response is not received on or before May 3, 2005.

|
|
|

Sincerely,

Ted Lister
Senior Vice President
Human Resources

I accept this offer of employment.

|/s/ Roger Arwood |  | May 9, 2005 | 
|---------------- |  | ----------- | 
|Roger Arwood     |  | Date        | 

Cc:  Mick Aslin

Enclosures