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

FORM 10-Q

(Mark One)

|/ / | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended September 30, 2000
|--- | ----------------------------------------------------------------------------------------------------------------------------------------
|/ / | TRANSITION REPORT UNDER SECTION 13 OR 15(D) OF THE EXCHANGE ACTFor the transition period from  to                                       

Commission
File Number: 0-28936

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

Kansas
(State or other jurisdiction
of incorporation or organization)

48-1008593
(I.R.S. Employer
Identification No.)11301 Nall Avenue, Leawood, Kansas
(Address of principal executive office)

66211
(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 / /  No / /

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

ClassCommon Stock, $1.00 par value

Outstanding at October 31, 200037,485,900


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## 

GOLD BANC CORPORATION, INC.  INDEX TO 10-Q FOR THE QUARTERLY  PERIOD ENDED SEPTEMBER 30, 2000

|         |  |                       |  |                                                                                                     |  | Page
|-------- |  | --------------------- |  | --------------------------------------------------------------------------------------------------- |  | ----
|PART I:  |  | FINANCIAL INFORMATION
|         |  | ITEM 1:               |  | FINANCIAL STATEMENTS (unaudited)                                                                    |  | 1   
|         |  |                       |  | Consolidated Balance Sheets at September 30, 2000 and December 31, 1999                             |  | 1   
|         |  |                       |  | Consolidated Statements of Earnings  Nine months ended September 30, 2000 and September 30, 1999   |  | 2   
|         |  |                       |  | Consolidated Statements of Earnings  Three months ended September 30, 2000 and September 30, 1999  |  | 3   
|         |  |                       |  | Consolidated Statements of Cash Flows  Nine months ended September 30, 2000 and September 30, 1999 |  | 4   
|         |  |                       |  | Notes to Consolidated Financial Statements                                                          |  | 5   
|         |  | ITEM 2:               |  | MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS               |  | 9   
|PART II: |  | OTHER INFORMATION    
|         |  | ITEM 1:               |  | LEGAL PROCEEDINGS                                                                                   |  | 13  
|         |  | ITEM 2:               |  | CHANGES IN SECURITIES AND USE OF PROCEEDS                                                           |  | 14  
|         |  | ITEM 3:               |  | DEFAULTS UPON SENIOR SECURITIES                                                                     |  | 14  
|         |  | ITEM 4:               |  | SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS                                                 |  | 14  
|         |  | ITEM 5:               |  | OTHER INFORMATION                                                                                   |  | 14  
|         |  | ITEM 6:               |  | EXHIBITS AND REPORTS ON FORM 8-K                                                                    |  | 15  
|         |  |                       |  | SIGNATURES                                                                                          |  | 16  

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PART I  FINANCIAL INFORMATION

GOLD BANC CORPORATION, INC. AND SUBSIDIARIES  Consolidated Balance Sheets  (In thousands)  (unaudited)

|                                                              |                                                                                                                                                                       | September 30,
2000              |           | December 31,
1999 |       
|------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------- | --------- | ----------------- | ------
|Assets                                                        |                                                                                                                                                                       |                                 |           |                   |       
|Cash and due from banks                                       |                                                                                                                                                                       | $                               | 64,321    |                   | $     
|Federal funds sold and interest-bearing deposits              |                                                                                                                                                                       |                                 | 20,026    |                   |       
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|                                                              |                                                                                                                                                                       | Total cash and cash equivalents |           |                   | 84,347
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|Investment securities:                                        |                                                                                                                                                                       |                                 |           |                   |       
|                                                              | Held-to-maturity                                                                                                                                                      |                                 |           | 5,602             |       
|                                                              | Available-for-sale                                                                                                                                                    |                                 |           | 476,472           |       
|                                                              | Trading                                                                                                                                                               |                                 |           | 4,043             |       
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|                                                              | Total investment securities                                                                                                                                           |                                 |           | 486,117           |       
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|Mortgage and student loans held for sale, net                 |                                                                                                                                                                       |                                 | 160,592   |                   |       
|Loans, net                                                    |                                                                                                                                                                       |                                 | 1,756,913 |                   |       
|Premises and equipment, net                                   |                                                                                                                                                                       |                                 | 61,771    |                   |       
|Goodwill, net                                                 |                                                                                                                                                                       |                                 | 47,829    |                   |       
|Accrued interest and other assets                             |                                                                                                                                                                       |                                 | 58,231    |                   |       
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|Total assets                                                  |                                                                                                                                                                       | $                               | 2,655,800 |                   | $     
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|Liabilities and Stockholders' Equity                          |                                                                                                                                                                       |                                 |           |                   |       
|Liabilities:                                                  |                                                                                                                                                                       |                                 |           |                   |       
|                                                              | Deposits                                                                                                                                                              |                                 | $         | 2,012,525         |       
|                                                              | Securities sold under agreements to repurchase                                                                                                                        |                                 |           | 81,432            |       
|                                                              | Federal funds purchased and other short-term borrowings                                                                                                               |                                 |           | 28,909            |       
|                                                              | FHLB and other long-term borrowings                                                                                                                                   |                                 |           | 246,967           |       
|                                                              | Guaranteed preferred beneficial interests in Company's debentures                                                                                                     |                                 |           | 82,549            |       
|                                                              | Accrued interest and other liabilities                                                                                                                                |                                 |           | 27,471            |       
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|                                                              | Total liabilities                                                                                                                                                     |                                 |           | 2,479,853         |       
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|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, 38,285,900 shares issued at September 30, 2000 and 37,872,725 issued and outstanding at December 31,1999 |                                 |           | 38,286            |       
|                                                              | Additional paid-in capital                                                                                                                                            |                                 |           | 75,523            |       
|                                                              | Retained earnings                                                                                                                                                     |                                 |           | 78,610            |       
|                                                              | Accumulated other comprehensive income (loss)                                                                                                                         |                                 |           | (6,502            | )     
|                                                              | Unearned compensation                                                                                                                                                 |                                 |           | (4,175            | )     
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|                                                              |                                                                                                                                                                       |                                 | 181,742   |                   |       
|Treasury stock  800,000 shares at cost at September 30, 2000 |                                                                                                                                                                       |                                 | (5,795    | )                 |       
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|                                                              | Total stockholders' equity                                                                                                                                            |                                 |           | 175,947           |       
|                                                              |                                                                                                                                                                       |                                 |           |                   |       
|Total liabilities and stockholders' equity                    |                                                                                                                                                                       | $                               | 2,655,800 |                   | $     
|                                                              |                                                                                                                                                                       |                                 |           |                   |       

See accompanying notes to consolidated financial statements.

1

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GOLD BANC CORPORATION, INC. AND SUBSIDIARIES  Consolidated Statements of Earnings  For The Nine Months Ended  (In thousands, except per share data)  (unaudited)

|                                         |                                                     | September 30,
2000           |         | September 30,
1999
|---------------------------------------- | --------------------------------------------------- | ---------------------------- | ------- | ------------------
|Interest income:                         |                                                     |                              |         |                   
|                                         | Loans, including fees                               |                              | $       | 130,484           
|                                         | Investment securities                               |                              |         | 21,556            
|                                         | Other                                               |                              |         | 2,225             
|                                         |                                                     |                              |         |                   
|                                         |                                                     |                              | 154,265 |                   
|                                         |                                                     |                              |         |                   
|Interest expense:                        |                                                     |                              |         |                   
|                                         | Deposits                                            |                              |         | 64,883            
|                                         | Borrowings and other                                |                              |         | 18,675            
|                                         |                                                     |                              |         |                   
|                                         |                                                     |                              | 83,558  |                   
|                                         |                                                     |                              |         |                   
|                                         |                                                     | Net interest income          |         |                   
|Provision for loan losses                |                                                     |                              | 2,653   |                   
|                                         |                                                     |                              |         |                   
|                                         | Net interest income after provision for loan losses |                              |         | 68,054            
|                                         |                                                     |                              |         |                   
|Other income:                            |                                                     |                              |         |                   
|                                         | Service fees                                        |                              |         | 8,079             
|                                         | Net gains on sale of mortgage loans                 |                              |         | 4,367             
|                                         | Net securities (losses) gains                       |                              |         | (1,933            
|                                         | Investment trading fees and commissions             |                              |         | 2,120             
|                                         | Other                                               |                              |         | 8,483             
|                                         |                                                     |                              |         |                   
|                                         |                                                     |                              | 21,116  |                   
|                                         |                                                     |                              |         |                   
|Other expense:                           |                                                     |                              |         |                   
|                                         | Salaries and employee benefits                      |                              |         | 32,832            
|                                         | Net occupancy expense                               |                              |         | 6,104             
|                                         | Depreciation expense                                |                              |         | 4,628             
|                                         | Goodwill amortization expense                       |                              |         | 1,977             
|                                         | Consolidation/repositioning/pooling expense         |                              |         | 9,684             
|                                         | Other                                               |                              |         | 18,844            
|                                         |                                                     |                              |         |                   
|                                         |                                                     |                              | 74,069  |                   
|                                         |                                                     |                              |         |                   
|                                         |                                                     | Earnings before income taxes |         |                   
|Income tax expense (Note 1)              |                                                     |                              | 5,894   |                   
|                                         |                                                     |                              |         |                   
|                                         |                                                     | Net earnings                 |         | $                 
|                                         |                                                     |                              |         |                   
|Net earnings per share-basic and diluted |                                                     | $                            | 0.24    |                   
|                                         |                                                     |                              |         |                   

See accompanying notes to consolidated financial statements.

2

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GOLD BANC CORPORATION, INC. AND SUBSIDIARIES  Consolidated Statements of Earnings  For The Three Months Ended  (In thousands, except per share data)
(unaudited)

|                                         |                                             | September 30,
2000                                  |        | September 30,
1999
|---------------------------------------- | ------------------------------------------- | --------------------------------------------------- | ------ | ------------------
|Interest income:                         |                                             |                                                     |        |                   
|                                         | Loans, including fees                       |                                                     | $      | 44,936            
|                                         | Investment securities                       |                                                     |        | 7,205             
|                                         | Other                                       |                                                     |        | 987               
|                                         |                                             |                                                     |        |                   
|                                         |                                             |                                                     | 53,128 |                   
|                                         |                                             |                                                     |        |                   
|Interest expense:                        |                                             |                                                     |        |                   
|                                         | Deposits                                    |                                                     |        | 23,148            
|                                         | Borrowings and other                        |                                                     |        | 6,791             
|                                         |                                             |                                                     |        |                   
|                                         |                                             |                                                     | 29,939 |                   
|                                         |                                             |                                                     |        |                   
|                                         |                                             | Net interest income                                 |        |                   
|Provision for loan losses                |                                             |                                                     | 978    |                   
|                                         |                                             |                                                     |        |                   
|                                         |                                             | Net interest income after provision for loan losses |        |                   
|                                         |                                             |                                                     |        |                   
|Other income:                            |                                             |                                                     |        |                   
|                                         | Service fees                                |                                                     |        | 2,580             
|                                         | Net gains on sale of mortgage loans         |                                                     |        | 1,051             
|                                         | Net securities (losses) gains               |                                                     |        | (2,137            
|                                         | Investment trading fees and commissions     |                                                     |        | 852               
|                                         | Other                                       |                                                     |        | 2,617             
|                                         |                                             |                                                     |        |                   
|                                         |                                             |                                                     | 4,963  |                   
|                                         |                                             |                                                     |        |                   
|Other expense:                           |                                             |                                                     |        |                   
|                                         | Salaries and employee benefits              |                                                     |        | 11,110            
|                                         | Net occupancy expense                       |                                                     |        | 2,023             
|                                         | Depreciation expense                        |                                                     |        | 1,568             
|                                         | Goodwill amortization expense               |                                                     |        | 651               
|                                         | Consolidation/repositioning/pooling expense |                                                     |        | (512              
|                                         | Other                                       |                                                     |        | 6,824             
|                                         |                                             |                                                     |        |                   
|                                         |                                             |                                                     | 21,664 |                   
|                                         |                                             |                                                     |        |                   
|                                         | Earnings before income taxes                |                                                     |        | 5,510             
|Income tax expense (Note 1)              |                                             |                                                     | 1,921  |                   
|                                         |                                             |                                                     |        |                   
|                                         | Net earnings                                |                                                     | $      | 3,589             
|                                         |                                             |                                                     |        |                   
|Net earnings per share-basic and diluted |                                             | $                                                   | 0.10   |                   
|                                         |                                             |                                                     |        |                   

See accompanying notes to consolidated financial statements.

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GOLD BANC CORPORATION, INC. AND SUBSIDIARIES  Consolidated Statements of Cash Flows  For the Nine Months Ended  (In thousands)  (unaudited)

|                                                        |                                                                                                                             | September 30,
2000                                                                            |                                                | September 30,
1999                                  |         
|------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------- | ---------------------------------------------- | --------------------------------------------------- | --------
|Cash flows from operating activities:                   |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             |                                                                                               | Net earnings                                   |                                                     | $       
|                                                        | Adjustments to reconcile net earnings to net cash provided by (used in) operating activities, net of purchase acquisitions: |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             | Provision for loan losses                                                                     |                                                |                                                     | 2,653   
|                                                        |                                                                                                                             | Losses (gains) on sales of securities                                                         |                                                |                                                     | 1,884   
|                                                        |                                                                                                                             | Amortization of investment securities' premiums, net of accretion                             |                                                |                                                     | 51      
|                                                        |                                                                                                                             | Depreciation                                                                                  |                                                |                                                     | 4,628   
|                                                        |                                                                                                                             | Amortization of goodwill                                                                      |                                                |                                                     | 1,977   
|                                                        |                                                                                                                             | Loss on sale of assets, net                                                                   |                                                |                                                     | 69      
|                                                        |                                                                                                                             | Net decrease (increase) in trading securities                                                 |                                                |                                                     | 5,153   
|                                                        |                                                                                                                             | Unrealized loss on trading securities                                                         |                                                |                                                     | 49      
|                                                        |                                                                                                                             | Net increase in mortgage loans held for sale                                                  |                                                |                                                     | (11,032 
|                                                        |                                                                                                                             | Other changes:                                                                                |                                                |                                                     |         
|                                                        |                                                                                                                             |                                                                                               | Accrued interest receivable and other assets   |                                                     |         
|                                                        |                                                                                                                             |                                                                                               | Accrued interest payable and other liabilities |                                                     |         
|                                                        |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             |                                                                                               |                                                | Net cash provided by (used in) operating activities |         
|                                                        |                                                                                                                             |                                                                                               |                                                |                                                     |         
|Cash flows from investing activities:                   |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             | Net increase in loans                                                                         |                                                |                                                     | (115,316
|                                                        |                                                                                                                             | Principal collections and proceeds from maturities of held-to-maturity securities             |                                                |                                                     | 3,211   
|                                                        |                                                                                                                             | Principal collections and proceeds from sales and maturities of available-for-sale securities |                                                |                                                     | 208,854 
|                                                        |                                                                                                                             | Purchases of available-for-sale securities                                                    |                                                |                                                     | (241,591
|                                                        |                                                                                                                             | Purchases of held-to-maturity securities                                                      |                                                |                                                     | (1,000  
|                                                        |                                                                                                                             | Net additions to premises and equipment                                                       |                                                |                                                     | (4,308  
|                                                        |                                                                                                                             | Cash paid for acquisitions, net of cash received                                              |                                                |                                                     |        
|                                                        |                                                                                                                             | Proceeds from sale of other assets                                                            |                                                |                                                     | 800     
|                                                        |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             |                                                                                               |                                                | Net cash used in investing activities               |         
|                                                        |                                                                                                                             |                                                                                               |                                                |                                                     |         
|Cash flows from financing activities:                   |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             | Increase in deposits                                                                          |                                                |                                                     | 6,371   
|                                                        |                                                                                                                             | Net (decrease) increase in short-term borrowings                                              |                                                |                                                     | (68,277 
|                                                        |                                                                                                                             | Net increase in FHLB and other long-term borrowings                                           |                                                |                                                     | 155,444 
|                                                        |                                                                                                                             | Proceeds from issue of common stock                                                           |                                                |                                                     | 70      
|                                                        |                                                                                                                             | Purchase of treasury stock                                                                    |                                                |                                                     | (5,795  
|                                                        |                                                                                                                             | Proceeds from issuance of guaranteed preferred beneficial interests in Company's debentures   |                                                |                                                     |        
|                                                        |                                                                                                                             | Dividends paid                                                                                |                                                |                                                     | (1,854  
|                                                        |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             |                                                                                               |                                                | Net cash provided by financing activities           |         
|                                                        |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             |                                                                                               |                                                | Decrease in cash and cash equivalents               |         
|                                                        |                                                                                                                             |                                                                                               | Cash and cash equivalents, beginning of year   |                                                     |         
|                                                        |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             |                                                                                               | Cash and cash equivalents, end of period       |                                                     | $       
|                                                        |                                                                                                                             |                                                                                               |                                                |                                                     |         
|Supplemental schedule of non-cash financing activities: |                                                                                                                             |                                                                                               |                                                |                                                     |         
|Issuance of common stock for acquisitions               |                                                                                                                             | $                                                                                             | 393                                            |                                                     | $       
|Non-cash activities related to purchase acquisitions:   |                                                                                                                             |                                                                                               |                                                |                                                     |         
|                                                        |                                                                                                                             | Increase in investments                                                                       |                                                |                                                     |        
|                                                        |                                                                                                                             | Net increase in loans                                                                         |                                                |                                                     |        
|                                                        |                                                                                                                             | Increase in land, buildings, and equipment                                                    |                                                |                                                     |        
|                                                        |                                                                                                                             | Increase in other assets                                                                      |                                                |                                                     |        
|                                                        |                                                                                                                             | Increase in deposits                                                                          |                                                |                                                     |        
|                                                        |                                                                                                                             | Increase in short term borrowings                                                             |                                                |                                                     |         
|                                                        |                                                                                                                             | Increase in long term borrowings                                                              |                                                | $                                                   |        

See accompanying notes to consolidated financial statements.

4

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GOLD BANC CORPORATION, INC. AND SUBSIDIARIES  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS  September 30, 2000

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, Provident Bank, f.s.b., Citizens Bank of Tulsa, People First Bank (Oklahoma),
American Heritage Bank (Oklahoma) and American Bank (Florida) (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 September 30, 2000 and for the three and nine months ended September 30, 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 and nine months ended September 30, 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.

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.

The
shares used in the calculation of basic and diluted income per share for the three and nine months ended September 30, 2000 and 1999 are shown below (in thousands):

For the three
Months Ended
September 30

For the nine
Months Ended
September 302000

1999

2000

1999Weighted average common shares outstanding

37,486

37,356

37,634

37,356Stock options

8

159

41

187Weighted average common shares and Common share equivalents outstanding

37,494

37,515

37,675

37,543


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 income 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

5

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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 $13.9 million and $10.9 million for the nine months ended September 30, 2000 and 1999, respectively and $7.5 million and
$4.5 million for the three months ended September 30, 2000 and 1999, respectively. The difference between comprehensive income and net earnings presented in the Consolidated Statements
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, 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 September 30, 2000, CountryBanc had total assets of approximately $551 million.

On
March 6, 2000, the Company issued 2,708,564 shares of common stock to acquire First Business Bank of Kansas City, N.A., 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 of Kansas City, N.A. The acquisition of the minority interest of 14% was accounted for as a purchase. During the third quarter of 2000,
First Business Bank was merged into Gold Bank of Kansas as a branch.

On
March 20, 2000, the Company issued 8,319,131 shares of common stock to acquire American Bancshares, Inc. of Bradenton, Florida, 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 September 30, 2000, American Bancshares had total assets of approximately $462 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 expenses the costs associated with the acquisitions during the quarter ended March 31, 2000. The original pooling costs were $10.1 million before income
taxes and $7.4 million net of income taxes. During the third quarter of 2000, $512 thousand of pooling costs were reversed because the Company revised its estimate of the merger expenses.

During
1999 and the nine months ended September 30, 2000, the Company incurred consolidation and repositioning expenses. The expenses were mainly due to the Company
consolidating its Kansas

6

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banks into a single statewide organization. Details of the consolidation and repositioning accrual are as follows (in thousands):

Activity for Quarter
Ended Sept. 30, 2000Accrued at
Sept. 30, 2000Accrued at
June 30, 2000Expense

PaidSalaries, benefits and severance

$
219

$


$
198

$
21Asset write-downs and lease abandonments


410





50


360Other repositioning expenses











$
629

$


$
248

$
381Activity for Nine Months
Ended Sept. 30, 2000Accrued at
Sept. 30, 1999Accrued at
December 30, 1999Expense

PaidSalaries, benefits and severance

$
552

$
464

$
995

$
21Asset write-downs and lease abandonments


815


47


502


360Other repositioning expenses


480


213


693


$
1,847

$
724

$
2,190

$
381


7.  Subsequent
events.

On
October 10, 2000, the Company announced that it would close in the fourth quarter of 2000 its separate mortgage banking subsidiary, Gold Banc Mortgage. In connection with
the closure, the Company estimated that it would incur expenses of approximately $17.7 million-net of taxes. This amount includes goodwill, severance and other related costs.

Also
on October 10, 2000, the Company announced that it would consolidate its Oklahoma bank charters into one charter during the fourth quarter of 2000. Citizens Bank of Tulsa,
People First Bank and American Heritage Bank will merge into one entity and operate under the name of Gold Bank. In connection with this charter consolidation, the Company will incur in the fourth
quarter pre-tax charges of approximately $750 thousand.

8.  Legal
proceedings.

Parade
of Toys 

Gold
Bank (formerly Exchange National Bank) was one of several named defendants in a number of lawsuits brought on behalf of persons who purchased distributorships from an entity
known as Parade of Toys. Gold Bank has reached an agreement to settle all claims pending against it. The Bank will pay $62.5 thousand. In return, the 263 plaintiffs who sued the Bank in state court in
Johnson County, Kansas will dismiss their claims with prejudice and will release the Bank from any liability relating to Parade of Toys.

The
settlement agreement is in the process of being documented.

7

---

Regional Holding Company 

In
June 2000, Gold Banc Corporation, Inc. ("the Company") commenced an arbitration proceeding before the American Arbitration Association against Brad D. Ives,
David W. Murrill and Robert E. McGannon ("Respondents") relating to the Company's acquisition of Regional Holding Company, Inc. ("Regional Holding"). The Company purchased all of
the capital stock of Regional Holding from Respondents on August 2, 1999 for a purchase price of approximately $13.2 million, pursuant to a Stock Purchase Agreement, dated July 1,
1999 (the "Stock Purchase Agreement"), between the Company, Regional Holding and the Respondents.

The
Company has asserted a contractual claim against Respondents for breach of their representations and warranties. The Company has prayed for damages in the amount of
$6.5 million and for its attorney's fees, costs and other expenses incurred in the arbitration proceeding. Respondents have answered the Company's claim and have denied that the Company is
entitled to any of the relief requested.

In
addition, each Respondent has asserted a counterclaim against the Company for breach of certain Non-Negotiable Promissory Notes (collectively the "Notes"), as amended, that were
issued to each Respondent as part of the purchase price in the Regional Holding acquisition. The Notes totaled $4.08 million. The Respondents claim they have made a demand for payment and that such
payment has not been made in accordance with the terms of the respective Notes. The Respondents have prayed for repayment of the entire principal balance of the Notes, plus accrued interest on the
Notes, plus all attorney's fees, costs and expenses incurred in asserting their claims. Respondents are also seeking a declaratory judgment that the Company is not entitled to set-off its claim
against the Notes and that payments under the Notes are due immediately, or in the alternative, that payments due under the Notes should be paid into an escrow account pending resolution of the
claims. In October 2000, the three member Arbitration Panel ruled that the issues of Respondents' counterclaim relating to the propriety of set-off against and payment under the Notes would be
heard at the same time as the Company's claims against Respondents.

In
the arbitration proceeding, Respondents also asserted a counterclaim for fraud against the Company making unspecified claims that the Company failed to disclose material
information and made misrepresentations in connection with the issuance of the Notes as amended in December 1999. The Respondents have prayed for compensatory monetary damages and punitive
damages with respect to the fraud claim. The Company denies Respondents' fraud claim, and asserts affirmative defenses.

In
September 2000, Respondents asserted a similar fraud claim in a Petition against Gold Banc Mortgage, Inc. ("GBM"), Jerry Bengtson (President of GBM) and Michael
Gullion (CEO of the Company) in the Circuit Court of Jackson County, Missouri. Respondents claim that the defendants in that case misrepresented or did not disclose the intention of the Company at the
time of amendments to the Notes and certain employment agreements with Respondents ("Employment Agreements") in December 1999. Respondents claim that the Company at that time intended to
set-off claims of the Company against the Company's obligations under the amended Notes, but misrepresented or failed to disclose this intention. Respondents seek damages in an unspecified amount in
excess of $25 thousand. Respondents' Petition also seeks a declaratory judgment that the placing of Respondent McGannon on administrative leave during the course of the arbitration constituted a
constructive termination entitling McGannon to certain rights under his employment agreement. Defendants GBM, Bengston and Gullion have answered the Petition, denying Respondents' claims, and
asserting affirmative defenses. Concerning the claim for declaratory judgment by Respondent McGannon, defendants also contend that the claim is moot in that McGannon has subsequently been terminated,
and no justiciable dispute therefore remains concerning his entitlement to rights under the employment agreement upon termination.

8

---

The Company has also given Respondents a notice invoking an alternative dispute resolution procedure ("ADR Procedure") specified in Section 2.3 of the Stock Purchase Agreement.
The ADR Procedure provides a mechanism for resolving disputes over the application of generally accepted accounting principals to the financial statements of Regional Holding. The accounting dispute
affects the contract formula for calculating the purchase price. The Company has demanded that the Respondents join in submitting the accounting dispute to Ernst & Young LLP, in accordance with
the terms of ADR Procedures specified in the Stock Purchase Agreement. Respondents have refused to join with the Company in submitting the dispute to Ernst & Young and are seeking in the
arbitration proceeding described above, a declaratory judgment that the company failed to proceed timely under ADR Procedures of the Stock Purchase Agreement.

The
Company believes that its claims and defenses in these matters are strong and that Respondents' claims and defenses are without merit. However, neither the Company nor its counsel
can predict with certainty the likely outcome of the proceedings. In June 2000, Gold Banc Corporation, Inc. ("the Company") has commenced an arbitration proceeding before the American
Arbitration Association against Brad D. Ives, David W. Murrill and Robert E. McGannon ("Respondents") relating to the Company's acquisition of Regional Holding Company, Inc ("Regional Holding"). The
Company purchased all of the capital stock of Regional Holding from Respondents on August 2, 1999 for a purchase price of approximately $13.2 million, pursuant to a Stock Purchase
Agreement, dated July 1, 1999 (the "Stock Purchase Agreement"), between the Company, Regional Holding and the Respondents.

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 nine months ended September 30, 2000, compared to $2.3 billion for the nine months ended
September 30, 1999, a 12.6% increase. Average interest-earning assets were $2.4 billion for the nine months ended September 30, 2000 and $2.1 billion for the nine months ended
September 30, 1999, a 11.8% increase. Assets increased during 2000 due to internal loan growth and one acquisition in late 1999.

Total
assets were $2.7 billion at September 30, 2000, an increase of $105 million from December 31, 1999. Net loans grew $123.7 million during the first
nine months of 2000 with the majority of the increase originating from the Company's suburban Kansas City locations. 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 $26.2 million at September 30, 2000 from $26.0 million at December 31,
1999. The allowance represented 1.35% and 1.43% of total loans as of September 30, 2000 and December 31, 1999, respectively.

For
the nine months ended September 30, 2000, the Company's annualized return on average assets ("ROA") was .47%, compared to 1.00% for the nine months ended
September 30, 1999. Return on average common stockholders' equity ("ROE") for the nine months ended September 30, 2000 and 1999 was 7.29% and 13.62%, respectively.

Cash
and cash equivalents and investment securities totaled $570.5 million, or 21.4% of total assets at September 30, 2000, compared to $584 million, or 22.9%, at
December 31, 1999. At September 30, 2000, the Company's leverage, Tier 1 risk-based capital, and total risk-based capital ratios were 7.46%, 9.85%, and 12.20% 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 September 30, 2000,
the Company had risk-weighted assets of $1.98 billion.

9

---

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 is to be used for acquisitions and general corporate purposes. The Company has a line of credit in the
amount of $40 million with a correspondent bank. As of September 30, 2000, the Company had borrowed $19 million under the line of credit. The Company has a second line of credit
in the amount of $9 million with a different correspondent bank. As of September 30, 2000, the Company had borrowed $6 million under the line of credit. The second line of credit
was part of the CountryBanc Holding Company acquisition.

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

RESULTS OF OPERATIONS

Net Interest Income

Total interest income for the nine months ended September 30, 2000 was $154.3 million, a $23.1 million or a 17.6% increase over the nine
months ended September 30, 1999. For the three months ended September 30, 2000, total interest income was $53.1 million, an $8 million or a 17.8% increase over the three
months ended September 30, 1999. The increase was primarily the result of internal loan growth. Average interest-earning assets increased $249 million or 11.8% to $2.4 billion at
September 30, 2000, compared to $2.1 billion at September 30, 1999.

Total
interest expense for the nine months ended September 30, 2000 was $83.6 million, a 27.2% increase over the nine months ended September 30, 1999. For the
three months ended September 30, 2000, interest expense was $29.9 million, or 31.1% greater than the comparable period in 1999. The increase was the result of greater average deposits
and an increase in long-term debt and Junior Subordinated Debentures. Average total interest-bearing liabilities increased by $211 million or 11% during the nine months of 2000 compared to the
same period in 1999, primarily due to acquisitions, the increased volume in interest bearing deposits and the Junior Subordinated Debentures.

Net
interest income was $70.7 million for the nine months ended September 30, 2000, compared to $65.4 million for the same period in 1999, an increase of 8.1%.
The Company's net interest margin decreased from 4.16% for the nine months ended September 30, 1999 to 4.04% for the nine months ended September 30, 2000. For the three months ended
September 30, 2000, net interest income increased 4.1% to $23.2 million versus $22.3 million for the three months of 1999. Net interest margin for the three months ended
September 30, 2000 decreased from 4.16% to 3.90% versus the same period in 1999. The decrease in net interest margin was created by additional interest expense associated with the Company's
issuance of Junior Subordinated Debentures in June 1999 and increased FHLB borrowings.

Provisions for Loan Losses

The provision for loan losses for the nine months ended September 30, 2000, was $2.7 million, compared to $3.7 million for the comparable
1999 period. For the three months ended September 30, 2000, the provision for loan losses was $1.0 million compared to $1.1 million for the third quarter of 1999. The allowance
represented 1.35% and 1.22% of total loans as of September 30, 2000 and September 30, 1999, respectively. The Company monitors its reserve 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%.

10

---

Other Income

Other income for the nine months ended September 30, 2000 was $21.1 million, an increase of $.6 million, or 3%, over the same period last
year. Other income for the third quarter of 2000 was $5.0 million, a decrease of $2.8 million, or 36.1%, over the same quarter of 1999. The decrease in other income for the third quarter of
2000 resulted mainly from a loss of $2.1 million from restructuring the investment security portfolio.

Other Expense

Other expense for the nine months ended September 30, 2000 was $74.1 million, an increase of $18.5 million, or 33.4%, over the same period last
year. For the third quarter of 2000, other expense was
$21.7 million, an increase of $2.2 million, or 11.0% over the comparable quarter in 1999. This increase was due to the consolidation/repositioning/pooling expenses, increased salaries
and benefits expenses, depreciation expense and other non-interest expenses. The Company's overall efficiency ratio declined during the first nine months of 2000 to 74.5% compared to 62.6% for the
first nine months in 1999, primarily due to consolidation/repositioning/pooling expenses.

Income Tax Expense

Income tax expense for the nine months ended September 30, 2000 and 1999 was $5.9 million and $9.4 million, respectively. The effective
tax rates for those periods were 39.0% and 35.1%, respectively. The effective tax rate for 2000 was higher due to the one-time pooling costs, which were mainly non-deductible for tax purposes. Income
tax expense for the three months ended September 30, 2000 and 1999 was $1.9 million and $3.2 million, respectively. The effective tax rates for those periods were 34.9% and 33.9%,
respectively.

ACCOUNTING AND FINANCIAL REPORTING

The Financial Accounting Standards Board (FASB) issued SFAS No. 133, Accounting for Derivative Instruments and Hedging Activities in June 1998.
SFAS No. 133, as amended by SFAS 137 and SFAS 138, 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.

The
FASB recently issued Interpretation No. 44, "Accounting for Certain Transactions Involving Stock Compensation". The Interpretation, which is effective July 1, 2000,
clarifies the application of APB Opinion No. 25 "Accounting for Stock Issued to Employees". Management does not expect that the Interpretation will have a significant impact on the Company's
financial statements.

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.

11

---

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 September 30, 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 Rates |  | Net Interest Income |            | Actual Change |   | Percent Change
Actual |  
|------------------------- |  | ------------------- | ---------- | ------------- | - | --------------------- | -
|200 basis point rise      |  | $                   | 91,612,000 |               | $ | (3,535,000            | )
|100 basis point rise      |  |                     | 93,579,000 |               |   | (1,568,000            | )
|Base Rate Scenario        |  |                     | 95,147,000 |               |   |                      |  
|100 basis point decline   |  |                     | 95,698,000 |               |   | 551,000               |  
|200 basis point decline   |  |                     | 93,929,000 |               |   | (1,218,000            | )

YEAR 2000

The Company experienced no significant 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.

12

---

## 

PART II
OTHER INFORMATION

ITEM 1: LEGAL PROCEEDINGS

Parade
of Toys 

Gold
Bank (formerly Exchange National Bank) was one of several named defendants in a number of lawsuits brought on behalf of persons who purchased distributorships from an entity
known as Parade of Toys. Gold Bank has reached an agreement to settle all claims pending against it. The Bank will pay $62.5 thousand. In return, the 263 plaintiffs who sued the Bank in
state court in Johnson County, Kansas will dismiss their claims with prejudice and will release the Bank from any liability relating to Parade of Toys.

The
settlement agreement is in the process of being documented.

Regional
Holding Company 

In
June 2000, Gold Banc Corporation, Inc. ("the Company") commenced an arbitration proceeding before the American Arbitration Association against Brad D. Ives,
David W. Murrill and Robert E. McGannon ("Respondents") relating to the Company's acquisition of Regional Holding Company, Inc. ("Regional Holding"). The Company purchased all of
the capital stock of Regional Holding from Respondents on August 2, 1999 for a purchase price of approximately $13.2 million, pursuant to a Stock Purchase Agreement, dated July 1,
1999 (the "Stock Purchase Agreement"), between the Company, Regional Holding and the Respondents.

The
Company has asserted a contractual claim against Respondents for breach of their representations and warranties. The Company has prayed for damages in the amount of
$6.5 million and for its attorney's fees, costs and other expenses incurred in the arbitration proceeding. Respondents have answered the Company's claim and have denied that the Company is
entitled to any of the relief requested.

In
addition, each Respondent has asserted a counterclaim against the Company for breach of certain Non-Negotiable Promissory Notes (collectively the "Notes"), as amended, that were
issued to each Respondent as part of the purchase price in the Regional Holding acquisition. The Notes totaled $4.08 million. The Respondents claim they have made a demand for payment and that such
payment has not been made in accordance with the terms of the respective Notes. The Respondents have prayed for repayment of the entire principal balance of the Notes, plus accrued interest on the
Notes, plus all attorney's fees, costs and expenses incurred in asserting their claims. Respondents are also seeking a declaratory judgment that the Company is not entitled to set-off its claim
against the Notes and that payments under the Notes are due immediately, or in the alternative, that payments due under the Notes should be paid into an escrow account pending resolution of the
claims. In October 2000, the three member Arbitration Panel ruled that the issues of Respondents' counterclaim relating to the propriety of set-off against and payment under the Notes would be
heard at the same time as the Company's claims against Respondents.

In
the arbitration proceeding, Respondents also asserted a counterclaim for fraud against the Company making unspecified claims that the Company failed to disclose material
information and made misrepresentations in connection with the issuance of the Notes as amended in December 1999. The Respondents have prayed for compensatory monetary damages and punitive
damages with respect to the fraud claim. The Company denies Respondents' fraud claim, and asserts affirmative defenses.

In
September 2000, Respondents asserted a similar fraud claim in a Petition against Gold Banc Mortgage, Inc. ("GBM"), Jerry Bengtson (President of GBM) and Michael
Gullion (CEO of the Company) in the Circuit Court of Jackson County, Missouri. Respondents claim that the defendants in

13

---

that case misrepresented or did not disclose the intention of the Company at the time of amendments to the Notes and certain employment agreements with Respondents ("Employment Agreements") in
December 1999. Respondents claim that the Company at that time intended to set-off claims of the Company against the Company's obligations under the amended Notes, but misrepresented or failed
to disclose this intention. Respondents seek damages in an unspecified amount in excess of $25 thousand. Respondents' Petition also seeks a declaratory judgment that the placing of Respondent McGannon
on administrative leave during the course of the arbitration constituted a constructive termination entitling McGannon to certain rights under his employment agreement. Defendants GBM, Bengston and
Gullion have answered the Petition, denying Respondents' claims, and asserting affirmative defenses. Concerning the claim for declaratory judgment by Respondent McGannon, defendants also contend that
the claim is moot in that McGannon has subsequently been terminated, and no justiciable dispute therefore remains concerning his entitlement to rights under the employment agreement upon termination.

The
Company has also given Respondents a notice invoking an alternative dispute resolution procedure ("ADR Procedure") specified in Section 2.3 of the Stock Purchase Agreement.
The ADR Procedure provides a mechanism for resolving disputes over the application of generally accepted accounting principals to the financial statements of Regional Holding. The accounting dispute
affects the contract formula for calculating the purchase price. The Company has demanded that the Respondents join in submitting the accounting dispute to Ernst & Young LLP, in
accordance with the terms of ADR Procedures specified in the Stock Purchase Agreement. Respondents have refused to join with the Company in submitting the dispute to Ernst & Young and are
seeking in the arbitration proceeding described above, a declaratory judgment that the company failed to proceed timely under ADR Procedures of the Stock Purchase Agreement.

The
Company believes that its claims and defenses in these matters are strong and that Respondents' claims and defenses are without merit. However, neither the Company nor its counsel
can predict with certainty the likely outcome of the proceedings. In June 2000, Gold Banc Corporation, Inc. ("the Company") has commenced an arbitration proceeding before the American
Arbitration Association against Brad D. Ives, David W. Murrill and Robert E. McGannon ("Respondents") relating to the Company's acquisition of Regional Holding Company, Inc ("Regional Holding"). The
Company purchased all of the capital stock of Regional Holding from Respondents on August 2, 1999 for a purchase price of approximately $13.2 million, pursuant to a Stock Purchase
Agreement, dated July 1, 1999 (the "Stock Purchase Agreement"), between the Company, Regional Holding and the Respondents.

ITEM 2:  CHANGES IN SECURITIES AND USE OF PROCEEDS

None

ITEM 3:  DEFAULTS UPON SENIOR SECURITIES

None

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

None

ITEM 5:  OTHER INFORMATION

None

14

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ITEM 6:  EXHIBITS AND REPORTS ON FORM 8-K

| | (a) |  | EXHIBITS REQUIRED TO BE FILED BY ITEM 601 OF REGULATION S-K                                     
| | --- |  | ------------------------------------------------------------------------------------------------
| |     |  | 27.                                                                                             
| | (b) |  | REPORTS ON FORM 8-K                                                                             
| |     |  | The Company filed the following one Current Report on Form 8-K during the third quarter of 2000:
| |     |  |                                                                                                 

15

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## 

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: |  | November 13, 2000 |  | By:                        
|      |  |                   |  |                            

(Authorized
officer and principal financial officer of the registrant)

16

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