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 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 and a change of control agreement with Mr. Tremblay.

We
also place great value on the experience of the state, regional and 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.

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

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
90.6% of our loan portfolio on March 31, 2005 consisted of construction loans,
loans secured by commercial real estate, and commercial business 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.

33

---



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

Changes
in interest rates could adversely affect profitability.  We may be unable to manage interest rate
risk that could reduce our net interest income.  Like other financial institutions, our results of operations are
impacted principally by net interest income, which is the difference between
interest earned on loans and investments and interest expense paid on deposits
and other borrowings.  We cannot predict
or control changes in interest rates. Regional and local economic conditions
and the policies of regulatory authorities, including monetary policies of the
Federal Reserve, affect interest income and interest expense.  Interest rate cuts by the Federal Reserve
from mid-2000 to 2003 and increases from mid-2003 to date have impacted our net
interest margin.  While we continually
take measures intended to manage the risks from changes in market interest
rates, including interest rate swap agreements, changes in interest rates can
still have a material adverse effect on our profitability.

Funding
our substantial cash requirements with dividends from our bank subsidiaries
will reduce the capital levels of the bank and thus its 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 $116.6 million in subordinated debt, as compared to total
equity of $260.3 million outstanding, as of March 31, 2005.  Our annual interest payments due on these
borrowings were approximately $6.9 million as of March 31, 2005.  We are also dependent on dividends from our
bank subsidiaries to service these borrowings, and ultimately for principal
repayment at maturity, as well as to service our line of credit.  The Federal Reserve Bank of Kansas City and
the Office of the Kansas State Bank Commissioner have the authority to prohibit
or limit the payment of dividends by our banking subsidiaries to us and the
Federal Reserve Bank of Kansas City 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 its 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 bank 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
bank.  The amount of dividends that our
subsidiary bank may pay to us is limited by federal and state banking laws and
regulations.  As a financial holding
company, our subsidiary bank is 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 its capital continues to exceed these levels.  Our bank or we may decide to limit the
payment of dividends even when they or we have the legal ability to pay them in
order to retain earnings for use in our or our banks 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.

34

---



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.

35

---