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

                                   FORM 10-Q

                                   (Mark One)

     x  QUARTERLY  REPORT  PURSUANT  TO  SECTION  13 OR 15(D) OF THE  SECURITIES
EXCHANGE ACT OF 1934
                 For the quarterly period ended March 31, 1998

       o TRANSITION REPORT UNDER SECTION 13 OR 15(D) OF THE EXCHANGE ACT
         For the transition period from ___________ to________________

                        Commission File Number: 0-28936

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

                               Kansas 48-1008593
                 (State or other jurisdiction (I.R.S. Employer
             of incorporation or organization) Identification No.)

                    11301 Nall Avenue, Leawood, Kansas 66211
               (Address of principal executive office) (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 x No o

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

         Class                          Outstanding at April 30, 1998

--------------------------               --------------------------
Common Stock, $1.00 par value                    5,352,196



                           GOLD BANC CORPORATION, INC.
                         INDEX TO 10-Q FOR THE QUARTERLY
                           PERIOD ENDED March 31, 1998

PAGE
PART I: FINANCIAL INFORMATION

ITEM 1: FINANCIAL STATEMENTS..................................................1

Consolidated Balance Sheets at March 31, 1998 (unaudited)
and December 31, 1997....................................................... .1

Consolidated Statements of Earnings - Three months ended
March 31, 1998 and March 31, 1997 (unaudited).................................2

Consolidated Statements of Cash Flows - Three months ended
March 31, 1998 and March 31, 1997 (unaudited).................................3

Notes to Consolidated Financial Statements....................................4

ITEM 2: MANAGEMENT'S DISCUSSION AND ANALYSIS
        OF FINANCIAL CONDITION AND RESULTS OF
        OPERATIONS............................................................6

ITEM 3: QUANTITATIVE AND QUALITATIVE 
        DISCLOSURES ABOUT MARKET RISK.........................................7
PART II: OTHER INFORMATION

ITEM 1: LEGAL PROCEEDINGS................................. ...................8

ITEM 2: CHANGES IN SECURITIES.................................................8

ITEM 3: DEFAULTS UPON SENIOR SECURITIES.......................................8

ITEM 4: SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS...................8

ITEM 5: OTHER INFORMATION.....................................................8

ITEM 6: EXHIBITS AND REPORTS ON FORM 8-K......................................9

SIGNATURES...................................................................10



                                                                 
KC1-320397.1
                                     PART I
                              FINANCIAL INFORMATION
                  GOLD BANC CORPORATION, INC. AND SUBSIDIARIES
                           Consolidated Balance Sheet
                                 (In thousands)

<TABLE>
<CAPTION>

<S>                                                           <C>                       <C>                 
                                                               March 31, 1998           Dec. 31, 1997
                                                                 (unaudited)



                                  Assets
                                                                                      
Cash and due from banks                                           $ 14,144                  16,673
Federal funds sold and interest-bearing deposits                    15,796                  24,438 
                                                                    ------                  ------ 
        Total cash and cash equivalents                             29,940                  41,111                            
                                                                    ------                  ------                        
       
Investment securities                                                                                                            
     Held-to-maturity securities                                       100                     100
     Available-for-sale securities                                 126,296                 100,500                 
     Trading securities                                              1,709                   1,072                               
Other investment securities                                          2,902                   2,765             
                                                                     -----                   -----             
     Total investment securities                                   131,007                 104,437                          
                              
                                                                                     
                                                                                                                      
     Mortgage loans held for sale                                    1,943                     858                         
     Loans, net                                                    367,610                 340,630                        
     Premises and equipment, net                                    17,418                  15,363              
     Deferred taxes                                                    327                     498                              
     Accrued interest and other assets                              18,435                  11,700                       
                                                                    ------                  ------                       
Total Assets                                                     $ 566,680               $ 514,597                              
                                                                 =========               =========                              
                Liabilities and Stockholders' Equity                                                                            
                                                                                                                     
                                                                           
 Liabilities:                                                                                                              
   Deposits                                                      $ 455,084               $ 419,139                 
   Securities sold under agreements to repurchase                    4,268                   6,516                             
   Federal funds purchased, long-term debt and other borrowings     25,245                  14,986                             
   Accrued interest and other liabilities                            4,384                   3,473                              
                                                                     -----                   -----                            
Total liabilities                                                $ 488,981               $ 444,114                              
                                                                 ---------               ---------                              
   Subordinated debentures                                          28,750                  28,750                             
                   
Stockholders' equity:
                                                                                                                   
   Common stock, $1.00 par value, 25,000,000 shares authorized,
   5,352,196 and 5,066,615 shares issued and outstanding at
   March 31, 1998 and December 31, 1997, respectively                5,352                   5,067                            
   Additional paid-in capital                                       27,962                  22,265
   Retained earnings                                                15,580                  14,605                        
   Accumulated other comprehensive income                              291                      32          
   Unearned compensation                                              (236)                   (236)
                                                                      ----                    ---- 
      Total stockholders' equity                                  $ 48,949                $ 41,733                               
                                                                  --------                --------                               
Total liabilities and stockholders                                $566,680                 514,597                          
                                                                  ========                 =======                            
                                                                                                        
</TABLE>
                                                                               
                                   
                                                         
                                                                      
                                                                          
                                                                   

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

<TABLE>
<CAPTION>


                                               March 31, 1998    March 31, 1997
   
<S>                                                  <C>             <C>    
Interest income:                                            
   Loans, including fees                              $ 8,426         $ 5,519                                                  
   Investments securities                               1,760           1,479                   
   Other                                                  228             123                                      
                                                          ---             ---                                       
                                                       10,414           7,121 
                                                       ------           ----- 
Interest expense:                                                                                                             
   Deposits                                             4,830           3,410                            
   Borrowings and Other                                   945             312                                              
                                                          ---             ---                                                 
                                                        5,775           3,722 
                                                        -----           ----- 
   Net interest income                                  4,639           3,399                    
                                                                               
 Provision for loan losses                                360             105                                                 
                                                          ---             ---                                          
                                                                       
   Net interest income after provision for loan losses  4,279           3,294                                                  
                                                                                            
Other income;                                                                                                    
   Service fees                                           302             239
   Net gains on sale of mortgage loans                    225             117                           
   Net securities gains (losses)                            1             (12)                                               
   Gain on sale of other assets                             0              (1)
   Net unrealized gains on trading assets                  49               -                          
   Investment trading fees & commissions                  691               -                                       
   Other                                                  146             102
                                                          ---             ---
                                                        1,414             445
Other expense                                                                                                       
   Salaries and employee benefits                       2,258           1,391
   Net occupancy expense                                  550             487
   Federal deposit insurance premiums                      22              28                                  
   Other                                                1,181             667                                
                                                        -----             ---                                
                                                        4,011           2,573
                                                        -----           -----
                                                                                                        
   Earnings before income taxes                         1,682           1,166                  
                                                                                           
Income taxes                                              547             381 
                                                          ---             --- 
                                                                                                        
   Net earnings                                       $ 1,135          $  785 
                                                      =======           ===== 
                                                                                           
Net earnings per share-basic (Note 2)                 $  0.22          $ 0.16                   
Net earnings per share-diluted (Note 2)               $  0.22          $ 0.16                           
                                                                                       
</TABLE>
                                                                            
                          
                                                            
                  GOLD BANC CORPORATION, INC. AND SUBSIDIARIES
                      Consolidated Statements of Cash Flows
                           For the Three Months Ended
                                 (In thousands)
                                   (unaudited)

<TABLE>
<CAPTION>
                                                                                    March 31, 1998         March 31, 1997

<S>                                                                                  <C>                     <C>    
Cash flows from operating activities:
     Net earnings                                                                     $ 1,135                 $   785
     Adjustments to reconcile net earnings to net cash                                                                         
     provided by operating activities:
        Provision for loan losses                                                         360                     105
        Net gains (losses) on sales of available-for-sale securities                       (1)                     12   
        Amortization of investment securities premiums, net of accretion                 (269)                      1        
        Depreciation and amortization                                                     313                     247    
        Gain on sale of assets, net                                                         0                       1
        Purchases of trading securities                                                  (589)                      0      
        Unrealized gain on trading securities                                             (49)                      0
        Net (increase) decrease in mortgage loans                                      (1,086)                  1,046         
        Other changes:                                                                
           Accrued interested receivable and other assets                                (814)                   (743)      
           Accrued interest payable and other liabilities                                (432)                    150       
                                                                                         ----                     ---        
Net cash used by operating activities                                                  (1,432)                  1,604
                                                                                       ------                   -----
Cash flows from investing activities:                                                                                           
      Net increase in loans                                                            (8,239)                (11,491)
      Principal collections and proceeds from sales and                                                                        
        maturities of available-for-sale securities                                   574,146                   7,684 
      Purchases of available-for-sale securities                                     (585,470)                 (5,925)        
      Net additions to premises and equipment                                          (1,805)                   (336)
      Proceeds from sale of other assets                                                    0                      (1)
      Cash received in bank acquisitions, net of cash paid                                231                       0        
                                                                                          ---                       -          
      Net cash used in investing activities                                           (21,137)                (10,069)
                                                                                      -------                 ------- 
 Cash flows from investing activities:                                                                                        
      Increase in deposits                                                              9,535                     477
      Net increase (decrease) in short-term borrowings                                 (3,746)                  3,990    
      Proceeds from long-term debt                                                      5,770                       0         
      Principal payments on long-term debt                                                  0                    (284)         
      Dividends paid                                                                     (161)                      0 
                                                                                         ----                       - 
      Net cash provided by financing activities                                        11,398                   4,183
           
         Decrease in cash and cash equivalents                                        (11,171)                 (4,282)         
                                                                                            
         Cash and cash equivalents, beginnings of year                                 41,111                  22,796 
                                                                                       ------                  ------ 
         Cash and cash equivalents, end of quarter                                     29,940                  18,514          
                                                                                       ======                  ======          
                                                                                                    
Supplemental schedule of non-cash financing activities:                                                              
     Issuance of common stock for acquisitions                                      5,982,198                       0
Non-cash activities related to purchase acquisitions:                                                          
     Investing activities:                                                                               
        Increase in investments                                                    14,339,452                       0
        Net increase in loans                                                      19,098,803                       0
        Increase in land, buildings, and equipment                                    492,878                       0          
Financing activities:                                                                                                    
        Increase in deposits                                                       26,411,330                       0
        Increase in short term borrowings                                           4,986,284                       0         
        Increase in long term borrowings                                            1,000,000                       0
                                                                                                     

</TABLE>
                                                                             
  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

         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 1997 Annual Report on Form 10-K.

     The consolidated financial statements include the accounts of the Company's
subsidiaries,  Exchange  National  Bank,  Citizens State Bank,  Provident  Bank,
f.s.b.,   Peoples  National  Bank,   Farmers  National  Bank,   Midwest  Capital
Management,   Inc.,  and  First  National  Bank  in  Alma. (the ''Banks''). All
significant intercompany balances and transactions have been eliminated.

     The  December  31, 1997  balance  sheet has been  derived  from the audited
financial statements.The consolidated financial statements as of March 31, 1998,
and for the three months ended March 31, 1998 and 1997 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 operations for those periods. The Consolidated Statements of Earnings
for the three months ended March 31, 1998 are not necessarily  indicative of the
results that will be achieved for the entire year.

     2. Earnings per common share.

     Earnings per share are computed in accordance  with SFAS No. 128,  Earnings
per Share. Basic earnings per share is based upon the weighted average number of
common shares outstanding during the periods presented. Diluted income per share
includes the effects of all dilutive  potential common shares outstanding during
each period. All per share data has been restated to conform to SFAS No. 128.

     The shares used in the  calculation  of basic and diluted  income per share
for the  three  months  ended  March  31,  1998  and 1997 are  shown  below  (in
thousands):

---------------------------------------------------- ------------ ------------
                                                        1998         1997
---------------------------------------------------- ------------ ------------
---------------------------------------------------- ------------ ------------
Weighted average common shares outstanding              5,228        4,794
Stock options                                              41            0
---------------------------------------------------- ------------ ------------
---------------------------------------------------- ------------ ------------
                                                        5,269        4,794
---------------------------------------------------- ------------ ------------

         3.        Stock options.

     On February 11, 1998, the Company  granted  options to certain  officers of
the Company to purchase a total of 91,500 shares of the  Company's  Common Stock
at the fair market value of the Company's stock on that date. These options vest
over a five year period at 20 percent per year.


         4.        Subsequent Events.

     On April 29, 1998,  Company  announced  the signing of a definitive  merger
agreement  with  Tri-County  Bancshares,  Inc.  of  Washington,   Kansas  for  a
combination  cash  and  stock-for-stock/tax  free  transaction  valued  at  $4.4
million.  Tri-County  National  Bank, a  wholly-owned  subsidiary  of Tri-County
Bancshares with locations in Concordia, Linn and Washington, had total assets of
$43.8 million, deposits of $40.4 million and loans of $26.2 million at March 31,
1998.

     Also, on April 29, 1998,  Company  announced a definitive  merger agreement
with Farmers State Bancshares,  Inc. of Sabetha, Kansas. Gold Banc will pay $8.5
million in cash to acquire all  outstanding  shares of Farmers State  Bancshares
common stock,  which is not publicly traded.  Farmers State Bank, a wholly-owned
subsidiary  of Farmers  State  Bancshares,  had total  assets of $48.7  million,
deposits of $42.7 million and loans of $22.1 million at March 31, 1998.

     Gold Banc  announced a two-for-one  stock split in the form of a 100% stock
dividend  distributed  on May 18,  1998 to  shareholders  of record as of May 6,
1998.  In  addition,  the Company  declared a $.02 cash  dividend on  post-split
shares to shareholders of record as of May 20, 1998, payable on May 29, 1998.

         5.         Legal proceedings.

     Exchange  Bank,  along with  approximately  24 other  persons and  entities
including a number of depository  institutions,  is a named  defendant in a case
filed in the  United  States  District  Court  for the  District  of  Kansas  on
September  11,  1997 on behalf of a  putative  class of over 2,400  persons  who
allegedly invested at least $14,900 each in entities known as Parade of Toys and
Bandero  Cigar  Company.  The  complaint  alleges  violations  of the  Racketeer
Influenced  Corrupt  Organizations  ("RICO")  statute  (18  U.S.C. 1962(c)),
conspiracy to violate RICO, negligent misrepresentation, fraud, civil conspiracy
and negligence on the part of the  defendants.  The plaintiffs  contend that the
defendants,  including  Exchange  Bank,  were listed in trade  reference  sheets
provided to  plaintiffs by Parade of Toys and Bandero Cigar Company and that the
defendants  made false and  misleading  representations  on which they relied to
their detriment.  In each count, the plaintiffs have sought actual damages in an
amount in excess of $75,000  each,  treble  damages  under  RICO,  and  punitive
damages.  Exchange  Bank denies  liability  and is in the process of  vigorously
defending this claim.

     The Company is from time to time involved in routine litigation  incidental
to the conduct of its business.  The Company believes that no pending litigation
to which it is a party will have a  material  adverse  effect on its  liquidity,
financial condition or results of operations.

         6.        Comprehensive Income

     Comprehensive  income,  as defined by  Statement  of  Financial  Accounting
Standards No. 130, "Reporting  Comprehensive Income" was $1,394,000 and $525,000
for the three months ended March 31, 1998 and 1997, respectively. The difference
between  comprehensive  income and net earnings  presented  in the  consolidated
statement   of   earnings  is   attributed   solely  to   unrealized   gains  on
available-for-sale securities.



ITEM 2:  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
         CONDITION AND RESULTS OF OPERATIONS

OVERVIEW

     The  Company's net income was $1.1 million for the three months ended March
31,  1998,  compared to net income of $785,000  for the three months ended March
31,1997, yielding an annualized return on average assets ("ROA") of .82% for the
three months ended March 31, 1998,  compared to 0.84% for the three months ended
March 31, 1997.  Return on average common  stockholders'  equity ("ROE") for the
three  months  ended March 31, 1998 and 1997 was 9.62% and 9.06%,  respectively.
The  earnings  increase  for the first  quarter of 1998 over 1997 was due to the
addition of two new subsidiaries to the organization and greater interest income
through an improved net  interest  margin  coupled with greater loan volume.  In
January,  1998 the Company acquired  Midwest Capital  Management,  Inc.,  Kansas
City, Missouri ("MCM"), a full service  broker/dealer and investment  management
firm, through a purchase transaction, also in February 1998 the Company acquired
First National Bank, Alma, Kansas ("Alma") through a purchase transaction. As of
December 31, 1997, Alma had $31 million in total assets.

FINANCIAL CONDITION

     Total assets were $566.7  million at March 31,  1998,  an increase of $52.1
million from December 31, 1997. Total average assets were $555.8 million for the
three  months ended March 31,  1998,  compared to $445.9  million for the twelve
months  ended  December 31, 1997.  Average  interest-earning  assets were $509.3
million for the three  months  ended  March 31, 1998 and $410.9  million for the
twelve months ended December 31, 1997.  Assets  increased $52 million during the
first quarter of 1998 due to two acquisitions  and internal  growth.  Loans grew
$29  million  during  the  first  quarter  of 1998 of which $20  million  can be
attributed  to the  acquisition  of Alma and $9 million  primarily  at  Exchange
National Bank's Leawood and Shawnee, Kansas locations.

     The  increase  in net  loans  from  December  31,  1997 to March  31,  1998
attributed  to internal  growth,  was  primarily  funded  through an increase in
deposits of $9 million.  The allowance for loan losses increased to $5.4 million
at March 31,  1998  from $4.7  million  at  December  31,  1997.  The  allowance
represented 1.44% and 1.35% of total loans as of March 31, 1998 and December 31,
1997, respectively.

RESULTS OF OPERATIONS

Net Interest Income

     Total  interest  income for the three months ended March 31, 1998 was $10.4
million,  a 46.3%  increase over the three months ended March 31, 1997.  Average
total  earning  assets  increased  $167.7  million  or 49.1% at March 31,  1998,
compared to March 31, 1997.  The  increase is  primarily  the result of loan
growth at Exchange  National  Bank's  offices in Leawood and Shawnee,  Kansas in
addition to the acquisitions of MCM and Alma.

     Total interest  expense for the first quarter of 1998 was 55.2% higher than
in the first  quarter of 1997 as a result of a 49.3%  increase in  deposits  and
other interest-bearing  liabilities.  Average total interest-bearing liabilities
increased by $153.0  million or 48.8% during the first  quarter of 1998 compared
to the first quarter of 1997,  primarily due to the  acquisition  of Alma and to
the increased volume in interest bearing deposits.

     Net interest income was $4.6 million for the first three months ended March
31, 1998,  compared to $3.4 million for the same period in 1997,  an increase of
36.5%.  This  increase is  attributable  to  significantly  greater loan volumes
primarily  originated from Exchange National Bank's Leawood and Shawnee,  Kansas
locations  and the  acquisitions  of MCM and Alma.  The  Company's  net interest
margin  decreased  from 4.06% for the three months ended March 31, 1997 to 3.70%
for the three months ended March 31, 1998,  as a result of  additional  interest
expense  associated with the Company's  issuance of  subordinated  debentures in
December 1997.

Provisions for Loan Losses

     The  provision  for loan losses for the three  months ended March 31, 1998,
was  $360,000,  an increase of  $255,000,  or 243% from the  $105,000  provision
during  the  comparable  1997  period.  This  increase  is  consistent  with the
Compan's  significant loan growth. The allowance represented 1.44% and 1.23% of
total loans as of March 31, 1998 and March 31, 1997, respectively.

Other Income

     Other income for the three months ended March 31, 1998, increased $969,000,
or 217.8% from the same period in 1997.  This  increase is primarily a result of
the  Company's  acquisition  of MCM and  increased  gain on the sale of mortgage
loans through its subsidiary in St. Joseph, Missouri, Provident Bank f.s.b.

Other Expense

     Other  expense  increased  by $1.4 million for the three months ended March
31, 1998,  as compared to the same period in 1997.  This  increase was primarily
due to a  increased  salaries  and  benefits  expenses  and other  non  interest
expenses,  such as  investor  relations,  professional  fees,  advertising,  and
acquisition  related expenses.  Net occupancy expense increased primarily due to
the  acquisitions  of MCM and  Alma.  The  Company's  overall  efficiency  ratio
increased  during the first  quarter of 1998 to 70.5%  compared to 68.6% for the
first quarter in 1997.

Income Tax Expense

     Income tax expense for the three  months ended March 31, 1998 and March 31,
1997 was $547,000 and $381,000,  respectively. The effective tax rates for those
periods were 32.5% and 32.7%, respectively.

CAPITAL AND LIQUIDITY

     At March 31, 1998, the Company's leverage,  Tier 1 risk-based capital,  and
total risk-based capital ratios were 10.6%,14.7%,20.2%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 March 31, 1998, the Company had  risk-weighted  assets of
$402.9 million.  On April 29, 1998, the Company's Board of Directors  declared a
quarterly  dividend in the amount of $.02 per common  share  following a two for
one stock split in the form of a 100% stock dividend.

     The  Company  had  approximately  $15.3  million  in  cash  and  short-term
investment  grade  securities at March 31, 1998  remaining  from the issuance of
subordinated debentures in December 1997. Those proceeds are expected to be used
to finance the Company's growth strategy and for general corporate purposes. The
Company  established  a line of  credit  in the  amount  of $15  million  with a
correspondent  bank during the second quarter of 1998. No amounts had been drawn
under the line as of March 31, 1998.


ITEM 3:  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

     There have been no material changes to the Company's market risk from the
disclosure contained in the Company's 1997 annual report on form 10-K.


                           PART II
                      OTHER INFORMATION

ITEM 1:  LEGAL PROCEEDINGS

                  No disclosure is required under this item.
 
ITEM 2:  CHANGES IN SECURITIES

                  None

ITEM 3:  DEFAULTS UPON SENIOR SECURITIES

                  None

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

     On April 29, 1998 the Company held its Annual Meeting of Stockholders.  The
following items were submitted for consideration by the stockholders.

     Item 1 - Election of Directors

                                                                 
     Two Class II directors,  Mr. D. Michael  Browne and Mr. Allen D.  Petersen,
were elected at the Annual  Meeting for terms  expiring in 2001.  Voting results
were as follows:

                  4,872,579  votes or 91.0% FOR
                     21,619  votes or  0.4% AGAINST
                          0  votes or    0% ABSTAINED
                    457,998  votes or  8.6% UNVOTED

     Class I Director  continuing  in office is Keith E.  Bouchey and William F.
Wright. Class I directors' terms expire in 2000.

     Class III Directors continuing in office are Michael W. Gullion and William
Wallman. Class III Directors' terms expire in 1999.

     Item 2 - Ratification  of appointment  of independent  auditors.  The Audit
Committee  recommended  the  reappointment  of  KPMG  Peat  Marwick  LLP  as the
independent auditors for Company.  Item 3 was approved with the following voting
results:

                   4,646,275  votes or 86.8%  FOR
                       3,250  votes or    0%  AGAINST
                     244,673  votes or  4.6%  ABSTAINED
                     457,998  votes or  8.6%  UNVOTED

ITEM 5:  OTHER INFORMATION

                  None


ITEM 6:  EXHIBITS AND REPORTS ON FORM 8-K

         (a)      EXHIBITS REQUIRED TO BE FILED BY ITEM 601 OF REGULATION S-K

                  27.      Financial Data Schedule

         (b)      REPORTS ON FORM 8-K
                     None


 
                                   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:  May 15, 1998                  By: /s/ Keith E. Bouchey
                                         ------------------------
                                             Keith E. Bouchey
                                             Executive Vice President,
                                             Chief Financial Officer,
                                             and Corporate Secretary

(Authorized officer and principal financial officer of the registrant)