Exhibit 99.1

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

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

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

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

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

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

Our
  allowance for loan losses may not be adequate.  Our allowance for
  loan losses may not be adequate to cover actual loan losses. As a lender, we
  are exposed to the risk that our customers will be unable to repay their loans
  according to their terms and that any collateral securing the payment of their
  loans may not be sufficient to cover repayment. Credit losses are inherent in
  the lending business and could have a material adverse effect on our operating
  results. Additionally, approximately 92.5% of our loan portfolio on September
  30, 2004 consisted of construction loans, loans secured by commercial real estate,
  commercial business loans and other loans. These loans generally involve a greater
  degree of risk of nonpayment or late payment than home equity loans or residential
  mortgage loans and carry higher loan balances. The risk of loss will vary with
  general economic conditions, the type of loan being made, the creditworthiness
  of the borrower over the term of the loan and the quality and value of the collateral
  in the case of collateralized loans, among other things. Our credit risk with
  respect to our real estate and construction loan portfolio relates principally
  to the general creditworthiness of individuals and the value of real estate
  serving as security for the repayment of such loans. Our credit risk with respect
  to our commercial and consumer installment loan portfolio relates principally
  to the general creditworthiness of businesses and individuals within our local
  markets. Our credit risk with respect to our agricultural loan portfolio relates,
  among other factors, to commodity prices and weather patterns.

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

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

Funding
  our substantial cash requirements with dividends from our bank subsidiaries
  will reduce the capital levels of the banks and thus their ability to grow.We are a separate legal entity from our subsidiaries and do not have
  significant operations of our own. We depend primarily on dividends we receive
  from our subsidiaries, which may be limited by statute and regulations, and
  our cash and liquid investments to pay dividends on our common stock and to
  pay our operating expenses. In addition, we had an aggregate outstanding amount
  of $116.1 million in subordinated debt, as compared to total equity of $263.9
  million outstanding, as of September 30, 2004. Our annual interest payments
  due on these borrowings were approximately $7.2 million as of September 30,
  2004. In the current interest rate environment, the effect of our interest rate
  swap agreement will be to reduce such interest payments. We are also dependent
  on dividends from our bank subsidiary to service these borrowings, and ultimately
  for principal repayment at maturity, as well as to service our line of credit.
  The FRB-KC and the Commissioner have the authority to prohibit or limit the
  payment of dividends by our banking subsidiaries to us and the FRB-KC has the
  authority to prohibit or limit the payment of dividends by us to our stockholders.

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

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

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

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

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

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