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<SEC-DOCUMENT>0001104659-03-026268.txt : 20031113
<SEC-HEADER>0001104659-03-026268.hdr.sgml : 20031113
<ACCEPTANCE-DATETIME>20031113171302
ACCESSION NUMBER:		0001104659-03-026268
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20031113
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20031113

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LANDMARK BANCORP INC
		CENTRAL INDEX KEY:			0001141688
		STANDARD INDUSTRIAL CLASSIFICATION:	BLANK CHECKS [6770]
		IRS NUMBER:				431930755
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-33203
		FILM NUMBER:		03999103

	BUSINESS ADDRESS:	
		STREET 1:		800 POYNTZ AVENUE
		CITY:			MANHATTAN
		STATE:			KS
		ZIP:			66502
		BUSINESS PHONE:		7855652000

	MAIL ADDRESS:	
		STREET 1:		800 POYNTZ AVENUE
		CITY:			MANHATTAN
		STATE:			KS
		ZIP:			66502

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	LANDMARK MERGER CO
		DATE OF NAME CHANGE:	20010530
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a03-5427_18k.htm
<DESCRIPTION>8-K
<TEXT>
<html>

<head>



</head>

<body>

<div style="font-family:'Times New Roman';">

<div style="border:none;border-top:double windowtext 9.0pt;padding:0in 0in 0in 0in;">

<p style="border:none;margin:0in 0in .0001pt;padding:0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">WASHINGTON, D.C.&#160; 20549</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">FORM 8-K</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">CURRENT REPORT</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;font-weight:bold;">Pursuant to Section&nbsp;13 or 15(d) of<br>
the Securities Exchange Act of 1934</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="42%" valign="top" style="padding:0in 0in 0in 0in;width:42.32%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Date of
  Report</font></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.7%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="54%" valign="top" style="padding:0in 0in 0in 0in;width:54.96%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">November&nbsp;13,
  2003</font></b></p>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt 13.5pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">Landmark Bancorp, Inc.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Exact name of Registrant as specified in its charter)</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<div align="center">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Delaware</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(State or
  other jurisdiction of incorporation)</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
  <p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.7%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="48%" valign="top" style="padding:0in 0in 0in 0in;width:48.3%;">
  <p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
  <p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">0-20878</font></b></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.7%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="48%" valign="top" style="padding:0in 0in 0in 0in;width:48.3%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">43-1930755</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Commission File Number)</font></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.7%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="48%" valign="top" style="padding:0in 0in 0in 0in;width:48.3%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(I.R.S.
  Employer Identification Number)</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
  <p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.7%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="48%" valign="top" style="padding:0in 0in 0in 0in;width:48.3%;">
  <p align="right" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:right;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
  <p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">800 Poyntz Avenue, Manhattan, Kansas</font></b></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.7%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="48%" valign="top" style="padding:0in 0in 0in 0in;width:48.3%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">66502</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Address of principal executive offices)</font></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.7%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="48%" valign="top" style="padding:0in 0in 0in 0in;width:48.3%;">
  <p align="right" style="margin:0in 0in .0001pt;text-align:right;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Zip Code)</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.0%;">
  <p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.7%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="48%" valign="top" style="padding:0in 0in 0in 0in;width:48.3%;">
  <p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">(785) 565-2000</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Registrant&#146;s
  telephone number, including area code)</font></p>
  </td>
 </tr>
</table>

</div>

<div style="border:none;border-bottom:double windowtext 9.0pt;padding:0in 0in 0in 0in;">

<p style="border:none;margin:0in 0in .0001pt;padding:0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

</div>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
<!-- SEQ.=1,FOLIO='',FILE='C:\jms\mbrandt\03-5427-1\task47696\5427-1-be.htm',USER='mbrandta',CD='Nov 13 14:57 2003' -->
<br clear="all" style="page-break-before:always;">
</font>

<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Item
5.&#160; Other Information</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">On November&nbsp;13, 2003, Landmark Bancorp, Inc., a Delaware
corporation (&#147;Landmark&#148;), entered into an Agreement and Plan of Merger (the &#147;Merger
Agreement&#148;) with First Kansas Financial Corporation, a Kansas corporation
(&#147;First Kansas&#148;), which provides for the merger of First Kansas with a
wholly-owned subsidiary of Landmark.&#160; In
connection with the Merger Agreement, Landmark entered into a voting agreement
with the individual directors and executive officers of First Kansas pursuant
to which they agreed to vote the shares of First Kansas common stock they own
in favor of the merger.&#160; The voting
agreement covers approximately 10% of the outstanding shares of First Kansas
common stock.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">A copy of a Press Release, dated November&nbsp;13, 2003, issued by
Landmark and First Kansas relating to the merger is attached as Exhibit 99.1
and is incorporated herein by reference.&#160;
A copy of the Merger Agreement is attached as Exhibit 99.2.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Item
7.&#160; Financial Statements, Pro Forma
Financial Information and Exhibits</font></b></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="80%" style="border-collapse:collapse;margin-left:.5in;width:80.0%;">
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;">Financial Statements of Business Acquired</font></u>.</p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">None.</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pro Forma Financial Information</font></u>.</p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">None.</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)</font></p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;">Exhibits</font></u>.</p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">99.1&#160;
  Press Release, dated November&nbsp;13, 2003</font></p>
  </td>
 </tr>
 <tr>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.82%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="2%" valign="bottom" style="padding:0in 0in 0in 0in;width:2.92%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.26%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">99.2&#160;
  Agreement and Plan of Merger, dated November&nbsp;13, 2003</font></p>
  </td>
 </tr>
</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">SIGNATURES</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">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 hereunto duly authorized.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="47%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:47.68%;">
  <p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">LANDMARK BANCORP, INC.</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.08%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="43%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:43.6%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.08%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="43%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:43.6%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Dated:&#160;
  November&nbsp;13, 2003</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.08%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:</font></p>
  </td>
  <td width="30%" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:30.34%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">/s/ Mark A Herpich</font></p>
  </td>
  <td width="13%" valign="top" style="padding:0in 0in 0in 0in;width:13.26%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.08%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="43%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:43.6%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Mark A. Herpich</font></p>
  </td>
 </tr>
 <tr>
  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.08%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="43%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:43.6%;">
  <p style="margin:0in 0in .0001pt 10.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Vice
  President, Secretary, Treasurer<br>
  and Chief Financial Officer</font></p>
  </td>
 </tr>
 <tr>
  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.08%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="43%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:43.6%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.08%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="43%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:43.6%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
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  <td width="52%" valign="top" style="padding:0in 0in 0in 0in;width:52.32%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.08%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="43%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:43.6%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2</font></p>


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<SEQUENCE>3
<FILENAME>a03-5427_1ex99d1.htm
<DESCRIPTION>EX-99.1
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<div style="font-family:'Times New Roman';">

<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Exhibit 99.1</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">PRESS RELEASE</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">FOR IMMEDIATE RELEASE</font></p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">FOR FURTHER INFORMATION CONTACT:</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="margin:0in 0in .0001pt 20.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Landmark Bancorp, Inc.</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="margin:0in 0in .0001pt 20.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Patrick L. Alexander, President</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="margin:0in 0in .0001pt 20.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Phone:&#160;
  785-565-2000</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="margin:0in 0in .0001pt 20.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">First Kansas Financial Corporation</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="margin:0in 0in .0001pt 20.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Larry V. Bailey, President</font></p>
  </td>
 </tr>
 <tr>
  <td width="49%" valign="top" style="padding:0in 0in 0in 0in;width:49.76%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="50%" valign="top" style="padding:0in 0in 0in 0in;width:50.24%;">
  <p style="margin:0in 0in .0001pt 20.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Phone:&#160;
  913-755-3033</font></p>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">LANDMARK BANCORP,
INC.<br>
ENTERS INTO AGREEMENT TO ACQUIRE<br>
FIRST KANSAS FINANCIAL CORPORATION</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Merger
Expands Kansas Based Community Banking Organization</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Manhattan, Kansas November&nbsp;13, 2003) Patrick L. Alexander,
President and Chief Executive Officer of Landmark Bancorp, Inc. (Nasdaq
National Market System - &#147;LARK&#148;), and Larry V. Bailey, President of First
Kansas Financial Corporation (Nasdaq Small Cap Market - &#147;FKAN&#148;), Osawatomie,
Kansas, jointly announced today the execution of a definitive agreement for
Landmark to acquire First Kansas.&#160;
Pursuant to the agreement, Landmark will pay First Kansas&#146;s stockholders
$19.00 in cash for each issued and outstanding share of First Kansas common
stock, subject to adjustment in certain circumstances.&#160; The transaction is subject to the approvals
from First Kansas stockholders and the appropriate regulatory agencies.&#160; The merger is expected to be completed
during the first quarter or early in the second quarter of 2004.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Landmark has approximately $334 million in assets and First Kansas has
approximately $152 million in assets.&#160;
First Kansas is the holding company for First Kansas Federal Savings
Bank which is headquartered in Osawatomie and operates branches in Paola,
Louisburg, Fort Scott, Phillipsburg, and Beloit, Kansas.&#160; Concurrent with the closing of the merger,
First Kansas Federal will merge with and into Landmark National Bank, the
wholly-owned subsidiary of Landmark.&#160;
The combination will create an eighteen branch network covering twelve
Kansas counties.&#160; With combined assets
of approximately $486 million, Landmark will rank as the third largest public
bank holding company in Kansas.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Patrick L. Alexander, President of Landmark, said, &#147;We are excited
about our acquisition of First Kansas.&#160;
The combination of First Kansas into Landmark expands our franchise into
eastern Kansas, particularly the high growth market areas encompassed by Miami
County.&#160; With the expected completion of
the four lane highways US #69 and US #169 from Kansas City to Louisburg,</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">1</font></p>


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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Paola, and Osawatomie, we
expect the dynamic growth in these markets to continue.&#160; The First Kansas organization provides an
excellent platform from which we can deliver community banking services to
their existing customers and the markets in which they are located. We are
looking forward to having the associates of First Kansas join our community
banking team.&#148;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Larry V. Bailey, President of First Kansas, said, &#147;We look forward to
our affiliation with Landmark.&#160; Both
institutions have a tradition of service and providing personalized banking
products to their respective communities.&#160;
By joining forces with Landmark we will be able to offer an expanded
array of banking products, designed for both consumer and business customers.
Landmark is a financially strong, dynamic, and growing organization dedicated
to meeting customer needs.&#160; We felt the
combination was a good match for our stockholders, our customers, our associates,
and the communities we serve.&#160; We are
also pleased that First Kansas directors will remain associated with Landmark
in an advisory capacity.&#148;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Landmark
Bancorp, Inc. is a bank holding company headquartered in Manhattan, Kansas,
which owns all of the stock of Landmark National Bank, a national commercial
bank.&#160; Landmark National Bank has
branches in Manhattan (2), Auburn, Dodge City (2), Garden City, Great Bend,
Hoisington, LaCrosse, Osage City, Topeka and Wamego, Kansas.&#160; At September&nbsp;30, 2003, Landmark had
total assets and stockholders&#146; equity of approximately $334 million and $43
million, respectively.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">First Kansas, Inc. is a savings and loan holding company headquartered
in Osawatomie, Kansas, which owns all of the stock of First Kansas Federal
Savings Bank.&#160; First Kansas is a
federally-chartered, FDIC-insured stock savings bank headquartered in
Osawatomie, Kansas.&#160; The Bank has six
full-service branch offices located in Beloit, Fort Scott, Louisburg,
Osawatomie, Paola, and Phillipsburg, Kansas.&#160;
The Bank is a community-oriented, full-service retail savings bank
offering a wide range of loan products and savings deposits.&#160; At September&nbsp;30, 2003, First Kansas had
total assets and stockholders&#146; equity of $152 million and $16 million,
respectively.</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h3 style="margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;">Additional
Information</font></b></h3>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">First Kansas Financial Corporation&#160;
will be filing relevant documents concerning the merger with the
Securities and Exchange Commission (&#147;SEC&#148;), including a proxy statement.&#160; <b><font style="font-weight:bold;">We urge</font></b>  <b><font style="font-weight:bold;">investors to read these documents
because they contain important information</font></b>.&#160; Investors will be able to obtain these
documents free of charge at the SEC&#146;s website, www.sec.gov.&#160; In addition, documents filed with the SEC by
First Kansas Financial Corporation will be available free of charge from the
President of First Kansas Financial Corporation (Larry V. Bailey, President,
First Kansas Financial Corporation, 600 Main Street, Osawatomie, Kansas&#160; 66064, telephone (913) 755-3033.)&#160; The directors and executive officers of First
Kansas Financial Corporation may be deemed to be participants in the solicitation
of proxies to approve the merger.&#160;
Information about the directors and executive officers of First Kansas
Financial Corporation and ownership of First Kansas Financial Corporation&#146;s
common stock is set forth in First Kansas Financial Corporation&#146;s proxy
statement dated March&nbsp;18, 2003 as filed with the SEC.&#160; Additional information about the interests
of those participants may be obtained from reading the definitive proxy
statement regarding the proposed acquisition when it becomes available.&#160; <b><font style="font-weight:bold;">First Kansas Financial Corporation investors should
read the proxy statement and other documents to be filed with the SEC carefully
before making a decision concerning the merger.</font></b></font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2</font></p>


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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Special
Note Concerning Forward-Looking Statements</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">This press
release contains, and future oral and written statements of Landmark and First
Kansas and their respective management may contain, forward-looking statements
within the meaning of the Private Securities Litigation Reform Act of 1995 with
respect to the financial condition, results of operations, plans, objectives,
future performance and business of the companies.&#160; Forward-looking statements, which may be based upon beliefs,
expectations and assumptions of the companies&#146; management and on information
currently available to management, are generally identifiable by the use of
words such as &#147;believe,&#148; &#147;expect,&#148; &#147;anticipate,&#148; &#147;plan,&#148; &#147;intend,&#148; &#147;estimate,&#148;
&#147;may,&#148; &#147;will,&#148; &#147;would,&#148; &#147;could,&#148; &#147;should&#148; or other similar expressions.&#160; Additionally, all statements in this press
release, including forward-looking statements, speak only as of the date they
are made, and the companies undertake no obligation to update any statement in
light of new information or future events.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">A number of factors, many of which are beyond the ability of the
companies to control or predict, could cause actual results to differ
materially from those in the companies&#146; forward-looking statements.&#160; These factors include, among others, the
following: (i)&nbsp;the strength of the local and national economy;
(ii)&nbsp;changes in state and federal laws, regulations and governmental
policies concerning the companies&#146; general business; (iii)&nbsp;changes in
technology and the ability to develop and maintain secure and reliable electronic
systems; (iv) changes in interest rates and prepayment rates of the companies&#146;
assets; (v)&nbsp;increased competition in the financial services sector and the
inability to attract new customers; (vi)&nbsp; the economic impact of armed
conflict or terrorist acts involving the United States; (vii)&nbsp;the loss of
key executives or employees; (viii)&nbsp;changes in consumer spending;
(ix)&nbsp;unexpected results of acquisitions; (x) unexpected outcomes of
existing or new litigation involving the companies; and (xi)&nbsp;changes in
accounting policies and practices.&#160;
These risks and uncertainties should be considered in evaluating
forward-looking statements and undue reliance should not be placed on such
statements.&#160; Additional information
concerning the companies and their respective business, including additional
factors that could materially affect the companies&#146; financial results, is
included in their filings with the Securities and Exchange Commission.</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3</font></p>


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<DESCRIPTION>EX-99.2
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<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Exhibit
99.2</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">AGREEMENT
AND PLAN OF MERGER</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">AMONG</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">LANDMARK
BANCORP, INC.</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">LANDMARK ACQUISITION CORPORATION</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">AND</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">FIRST KANSAS FINANCIAL CORPORATION</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">NOVEMBER&nbsp;</font>13, <font style="text-transform:uppercase;">2003</font></font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>


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<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">AGREEMENT AND PLAN OF MERGER</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">THIS
AGREEMENT AND PLAN OF MERGER</font></b> (this &#147;<b><font style="font-weight:bold;">Agreement</font></b>&#148;) is entered into
as of November&nbsp;13, 2003, among <b><font style="font-weight:bold;text-transform:uppercase;">LANDMARK BANCORP, INC</font>.,
</b>a Delaware corporation (&#147;<b><font style="font-weight:bold;">Acquiror</font></b>&#148;), <b><font style="font-weight:bold;text-transform:uppercase;">FIRST KANSAS
FINANCIAL CORPORATION</font></b>, a Kansas corporation (&#147;<b><font style="font-weight:bold;">First Kansas</font></b>&#148;), and <b><font style="font-weight:bold;text-transform:uppercase;">LANDMARK ACQUISITION CORPORATION</font></b>, a Kansas
corporation and a wholly-owned subsidiary of Acquiror (&#147;<b><font style="font-weight:bold;">Acquisition Corp</font></b>&#148;).</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">RECITALS</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">A.</font></b>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The parties to this Agreement desire
to effect a reorganization whereby Acquiror acquires control of First Kansas
through the merger (the &#147;<b><font style="font-weight:bold;">Merger</font></b>&#148;) of Acquisition Corp with and into
First Kansas with First Kansas being the surviving corporation (the &#147;<b><font style="font-weight:bold;">Surviving
Corporation</font></b>&#148;).</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">B.</font></b>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Pursuant to the terms of this
Agreement, each outstanding share of the capital stock of First Kansas, which
is comprised of one class of common stock, $0.10 par value per share (&#147;<b><font style="font-weight:bold;">First Kansas
Common Stock</font></b>&#148;), shall be converted at the effective time of the
Merger into the right to receive in cash in the amount set forth in this
Agreement, and all of the outstanding shares of common stock, $0.01 par value
per share, of Acquisition Corp (&#147;<b><font style="font-weight:bold;">Acquisition
Corp Common Stock</font></b>&#148;) shall be converted into and shall thereafter
represent all of the issued and outstanding stock of the Surviving Corporation.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">C.</font></b>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The parties desire to make certain
representations, warranties and agreements in connection with the Merger and
also agree to certain prescribed conditions to the Merger.</p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">AGREEMENTS</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">In
consideration of the foregoing premises and the following mutual promises,
covenants and agreements, the parties hereby agree as follows:</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;1</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;font-weight:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">DEFINITIONS</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;1.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Definitions</u></font></b>.&#160; In addition to those terms defined
throughout this Agreement, the following terms, when used herein, shall have
the following meanings.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Acquiror
Subsidiary</font></b>&#148; means a Subsidiary of Acquiror, including Acquisition
Corp and Landmark Bank.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Acquiror
Transactional Expenses</font></b>&#148; means all transaction costs of Acquiror
necessary to consummate the Contemplated Transactions, including the
organizational expenses of Acquisition Corp, the aggregate fees and expenses of
attorneys, accountants, consultants, financial advisors and other professional
advisors incurred by Acquiror in connection with this Agreement and the
Contemplated Transactions, and all other non-payroll</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">related costs and expenses in each case incurred or to be incurred by
Acquiror through the Effective Time in connection with this Agreement and the
Contemplated Transactions.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Adjusted
Stockholders&#146; Equity</font></b>&#148; means the consolidated stockholders&#146; equity of
First Kansas, calculated in accordance with GAAP and reflecting the recognition
of or accrual for all expenses paid or incurred or projected to be paid or
incurred by First Kansas or Bank in connection with this Agreement and the
Contemplated Transactions, including any Remediation Costs (as defined in <b><font style="font-weight:bold;">Section&nbsp;6.10</font></b>), and including all fees
and expenses incurred in connection with obtaining stockholder approval and any
attorneys, accountants, brokers, finders or investment bankers and any amounts
paid or payable to any director, officer or employee of First Kansas or any
First Kansas Subsidiary under any Contract or benefit plan as a result of the
Contemplated Transactions (excluding any amounts payable under the Consulting
Agreement between Acquiror and Larry V. Bailey pursuant to <b><font style="font-weight:bold;">Section&nbsp;6.19</font></b>), but adjusted to
exclude: (i) additions in stockholders&#146; equity resulting from the exercise of
any First Kansas Stock Options from September&nbsp;30, 2003 to the Closing
Date, (ii) any adjustments made in accordance with Statement of Financial
Accounting Standard No. 115 and (iii) any accounting or other adjustments made
pursuant to <b><font style="font-weight:bold;">Section&nbsp;6.18</font></b>.&#160; First Kansas&#146;s Adjusted Stockholders&#146; Equity
shall be calculated by First Kansas&#146;s independent auditors, in consultation
with Acquiror&#146;s independent auditors, as of the close of business on the last
Business Day immediately preceding the Closing Date (as defined below), using
reasonable estimates of revenues and expenses where actual amounts are not
available.&#160; For purposes of the calculation
of the Adjusted Stockholders&#146; Equity, First Kansas shall assume a tax rate of
34% for all applicable accruals.&#160; Such
calculation shall be subject to verification and approval prior to the Closing
(as defined below) by Acquiror&#146;s independent auditors, which approval shall not
be unreasonably withheld.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Affiliate</font></b>&#148;
means with respect to:</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a particular individual:&#160; (A)&nbsp;each other member of such
individual&#146;s Family; (B)&nbsp;any Person that is directly or indirectly
controlled by such individual or one or more members of such individual&#146;s Family;
(C)&nbsp;any Person in which such individual or members of such individual&#146;s
Family hold (individually or in the aggregate) a Material Interest; and
(D)&nbsp;any Person with respect to which such individual or one or more
members of such individual&#146;s Family serves as a director, officer, partner,
executor or trustee (or in a similar capacity); and</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a specified Person other than an
individual:&#160; (A)&nbsp;any Person that
directly or indirectly controls, is directly or indirectly controlled by, or is
directly or indirectly under common control with such specified Person;
(B)&nbsp;any Person that holds a Material Interest in such specified Person;
(C)&nbsp;each Person that serves as a director, officer, partner, executor or
trustee of such specified Person (or in a similar capacity); (D)&nbsp;any
Person in which such specified Person holds a Material Interest; (E)&nbsp;any
Person with respect to which such specified Person serves as a general partner
or a trustee (or in a similar capacity); and (F)&nbsp;any Affiliate of any individual
described in clause (B) or (C) of this subsection&nbsp;(ii).</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Applicable
Contract</font></b>&#148; means any Contract:&#160;
(i)&nbsp;under which First Kansas or Bank has or may acquire any rights;
(ii)&nbsp;under which First Kansas or Bank has or may become</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

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</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">subject to any obligation or liability; or (iii)&nbsp;by which First
Kansas or Bank or any of the assets owned or used by either of them is or may
become bound.</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Bank</font></b>&#148;
means First Kansas Federal Savings Bank, a federally chartered savings bank
with its main office located in Osawatomie, Kansas, and a wholly owned
subsidiary of First Kansas.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Bank Merger</font></b>&#148;
means the merger of Bank with and into Landmark Bank, with Landmark Bank being
the resulting bank.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Best Efforts</font></b>&#148;
means the efforts that a prudent Person desirous of achieving a result would
use in similar circumstances to ensure that such result is achieved as
expeditiously as possible, <i><font style="font-style:italic;">provided, however</font></i>, that an obligation to
use Best Efforts under this Agreement does not require the Person subject to
that obligation to take actions that would result in a materially adverse
change in the benefits to such Person of this Agreement and the Contemplated
Transactions.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Breach</font></b>&#148;
means with respect to a representation, warranty, covenant, obligation or other
provision of this Agreement or any instrument delivered pursuant to this
Agreement, any material inaccuracy in or material breach of, or any failure to
perform or comply in a material respect with, such representation, warranty,
covenant, obligation or other provision.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Business Day</font></b>&#148;
means any day except Saturday, Sunday and any day on which Landmark Bank is
authorized or required by law or other government action to close.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Code</font></b>&#148;
means the Internal Revenue Code of 1986, as amended.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Contemplated
Transactions</font></b>&#148; means all of the transactions contemplated by this
Agreement, including:&#160; (i)&nbsp;the
Merger; (ii)&nbsp;the Bank Merger; (iii)&nbsp;the performance by Acquiror,
Acquisition Corp and First Kansas of their respective covenants and obligations
under this Agreement; and (iv)&nbsp;Acquiror&#146;s acquisition of control of First
Kansas and, indirectly, Bank.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Contract</font></b>&#148;
means any agreement, contract, obligation, promise or understanding (whether
written or oral and whether express or implied) that is legally binding.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">ERISA</font></b>&#148;
means the Employee Retirement Income Security Act of 1974, as amended.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Exchange Act</font></b>&#148;
means the Securities Exchange Act of 1934, as amended</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">FDIC</font></b>&#148;
means&#160; the Federal Deposit Insurance
Corporation.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Family</font></b>&#148;
means with respect to an individual:&#160; (i)&nbsp;the
individual; (ii)&nbsp;the individual&#146;s spouse and former spouses; (iii)&nbsp;any
other natural person who is related to the individual or the individual&#146;s
spouse within the second degree; and (iv)&nbsp;any other natural person who
resides with such individual.</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <b><font style="font-weight:bold;">First Kansas </font></b><b><font style="font-weight:bold;">ESOP</font></b>&#148; means the First Kansas
Financial Corporation Employee Stock Ownership Plan, as amended.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">First Kansas </font></b><b><font style="font-weight:bold;">ESOP Loan</font></b>&#148; means the principal
amount of and accrued interest on the loan made by Bank to the ESOP as
evidenced by a promissory note dated June&nbsp;25, 1998.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">First Kansas </font></b><b><font style="font-weight:bold;">Restricted Stock Plan&#148; </font></b>means
the First Kansas Financial Corporation 1999 Restricted Stock Plan, as amended.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(u)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">First Kansas </font></b><b><font style="font-weight:bold;">Stock Option</font></b>&#148; means each of
the 132,079 outstanding stock options granted to a Person prior to the date of
this Agreement by First Kansas, under the First Kansas Stock Option Plan or
otherwise, and which will be, by virtue of the Contemplated Transactions or
otherwise, vested and fully exercisable immediately prior to the Effective
Time.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">First Kansas S</font></b><b><font style="font-weight:bold;">tock Option Plan</font></b>&#148; means the
First Kansas Financial Corporation 1999 Stock Option Plan.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(w)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">First Kansas
Subsidiary</font></b>&#148; means a Subsidiary of First Kansas, including Bank.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(x)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">First Kansas
Transactional Expenses</font></b>&#148; means all transaction costs of First Kansas
necessary to consummate the Contemplated Transactions, the aggregate fees and
expenses of attorneys, accountants, consultants, financial advisors and other
professional advisors incurred by First Kansas in connection with this
Agreement and the Contemplated Transactions, the cost of preparing, printing and mailing the Proxy Statement to First
Kansas&#146;s stockholders and all other non-payroll related costs and
expenses in each case incurred or to be incurred by First Kansas through the
Effective Time in connection with this Agreement and the Contemplated
Transactions, <i><font style="font-style:italic;">excluding, however,</font></i> all payments and expenses associated
with acceleration of payment of compensation (including severance benefits,
allocation and vesting under any employee stock ownership plan, stock option
plans, retention plans, deferred compensation agreements or any other First
Kansas Employee Benefit Plan, as defined below).</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(y)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Knowledge</font></b>&#148;
with respect to:</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; an individual means that such person
will be deemed to have &#147;Knowledge&#148; of a particular fact or other matter
if:&#160; (A)&nbsp;such individual is
actually aware of such fact or other matter; or (B)&nbsp;a prudent person serving
in a similar capacity as the individual could reasonably be expected to be
aware of the existence of such fact or other matter; and</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a Person (other than an individual)
means that such Person will be deemed to have &#147;Knowledge&#148; of a particular fact
or other matter if any individual who is serving as a director, executive
officer, general or managing partner, executor or trustee of such Person (or in
any similar capacity) has Knowledge of such fact or other matter.</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(z)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Landmark
Bank</font></b>&#148; means Landmark National Bank, a national banking association
with its main office located in Manhattan, Kansas.</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">4</font></p>


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</font></div>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(aa)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Legal
Requirement</font></b>&#148; means any federal, state, local, municipal, foreign,
international, multinational or other administrative order, constitution, law,
ordinance, regulation, rule, policy statement, directive, statute or treaty.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(bb)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Material
Adverse Effect</font></b>&#148; with respect to a Person (other than an individual)
means, a material adverse effect (whether or not required to be accrued or
disclosed under Statement of Financial Accounting Standards No.&nbsp;5), (i)&nbsp;on
the condition (financial or otherwise), properties, assets, liabilities,
businesses or results of operations of such Person (but does not include any
such effect resulting from or attributable to any action or omission by First
Kansas or Acquiror or any Subsidiary of either of them taken with the prior
written consent of the other parties hereto, in contemplation of the
Contemplated Transactions); or (ii)&nbsp;on the ability of such Person to
perform its obligations under this Agreement on a timely basis, <i><font style="font-style:italic;">provided,
however</font></i>, that it does not include the effect of any change of law,
rule or regulation or general economic event or change in interest rates affecting
financial institutions generally; and <i><font style="font-style:italic;">provided
further</font></i> that it does not include the effect of recognition of or
accrual for all expenses paid or incurred or projected to be paid or incurred
by First Kansas or Bank in connection with this Agreement and the Contemplated
Transactions, including all fees and expenses incurred in connection with
obtaining stockholder approval and any attorneys, accountants, brokers, finders
or investment bankers and any amounts paid or payable to any director, officer
or employee of First Kansas or any First Kansas Subsidiary under any contract
or benefit plan as a result of the Contemplated Transactions.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(cc)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Material
Interest</font></b>&#148; means the direct or indirect beneficial ownership (as
currently defined in Rule&nbsp;13d-3 under the Exchange Act) of voting
securities or other voting interests representing at least ten percent (10%) of
the outstanding voting power of a Person or equity securities or other equity
interests representing at least ten percent (10%) of the outstanding equity
securities or equity interests in a Person.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(dd)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">OCC</font></b>&#148;
means the Office of the Comptroller of the Currency.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ee)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Order</font></b>&#148;
means any award, decision, injunction, judgment, order, ruling, extraordinary
supervisory letter, policy statement, memorandum of understanding, resolution,
agreement, directive, subpoena or verdict entered, issued, made, rendered or
required by any court, administrative or other governmental agency, including
any Regulatory Authority, or by any arbitrator.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ff)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Ordinary
Course of Business</font></b>&#148; means any action taken by a Person only if such
action:</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; is consistent with the past
practices of such Person and is taken in the ordinary course of the normal
day-to-day operations of such Person;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; is not required to be authorized by the
board of directors of such Person (or by any Person or group of Persons
exercising similar authority), other than loan approvals for customers of a
financial institution; and</font></h4>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">5</font></p>


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</font></div>

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<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; is similar in nature and magnitude to
actions customarily taken, without any authorization by the board of directors
(or by any Person or group of Persons exercising similar authority), other than
loan approvals for customers of a financial institution, in the ordinary course
of the normal day-to-day operations of other Persons that are in the same line
of business as such Person.</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(gg)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">OTS</font></b>&#148;
means the Office of Thrift Supervision.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(hh)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Person</font></b>&#148;
means any individual, corporation (including any non-profit corporation),
general or limited partnership, limited liability company, joint venture,
estate, trust, association, organization, labor union or other entity or
Regulatory Authority.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Proceeding</font></b>&#148;
means any action, arbitration, audit, hearing, investigation, litigation or
suit (whether civil, criminal, administrative, investigative or informal)
commenced, brought, conducted or heard by or before, or otherwise involving,
any judicial or governmental authority, including a Regulatory Authority, or
arbitrator.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(jj)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Profit Sharing
Plan</font></b>&#148; means the First Kansas Federal Savings Association Employees&#146;
Savings and Profit Sharing Plan and Trust, as amended.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(kk)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Proxy
Statement</font></b>&#148; means the proxy statement to be used by First Kansas in
connection with the solicitation by its board of directors of proxies for use
at the meeting of its stockholders to be convened for the purpose of voting on
the Merger, pursuant to <b><font style="font-weight:bold;">Section&nbsp;6.8</font></b>
hereof.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ll)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Regulatory
Authority</font></b>&#148; means any federal, state or local governmental body,
agency, court or authority which, under applicable Legal Requirements:&#160; (i)&nbsp;has supervisory, judicial,
administrative, police, enforcement, taxing or other power or authority over
First Kansas, Bank, Acquiror, Acquisition Corp or Landmark Bank; (ii)&nbsp;is
required to approve, or give its consent to the Contemplated Transactions; or (iii)&nbsp;with
which a filing must be made in connection therewith, including in any case, the
Board of Governors of the Federal Reserve System, the OCC and the OTS.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(mm)&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Representative</font></b>&#148;
means with respect to a particular Person, any director, officer, manager,
employee, agent, consultant, advisor or other representative of such Person,
including legal counsel, accountants and financial advisors.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(nn)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">SEC</font></b>&#148;
means the Securities and Exchange Commission.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(oo)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Securities
Act</font></b>&#148; means the Securities Act of 1933, as amended.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(pp)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Subsidiary</font></b>&#148;
means with respect to any Person (the &#147;<b><font style="font-weight:bold;">Owner</font></b>&#148;), any corporation or other Person of
which securities or other interests having the power to elect a majority of
that corporation&#146;s or other Person&#146;s board of directors or similar governing
body, or otherwise having the power to direct the business and policies of that
corporation or other Person (other than securities or other interests having
such power only upon the happening of a contingency that has not occurred) are
held by the Owner or one or more of its Subsidiaries.</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">6</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(qq)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Tax</font></b>&#148;
means any tax (including any income tax, capital gains tax, value-added tax,
sales tax, property tax, gift tax or estate tax), levy, assessment, tariff,
duty (including any customs duty), deficiency or other fee, and any related
charge or amount (including any fine, penalty, interest or addition to tax),
imposed, assessed or collected by or under the authority of any Regulatory
Authority or payable pursuant to any tax-sharing agreement or any other
Contract relating to the sharing or payment of any such tax, levy, assessment,
tariff, duty, deficiency or fee.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(rr)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Tax Return</font></b>&#148;
means any return (including any information return), report, statement,
schedule, notice, form or other document or information filed with or submitted
to, or required to be filed with or submitted to, any Regulatory Authority in
connection with the determination, assessment, collection or payment of any Tax
or in connection with the administration, implementation, or enforcement of or
compliance with any Legal Requirement relating to any Tax.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ss)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">TFR</font></b>&#148;
means the quarterly Thrift Financial Report of Condition required to be filed
with the OTS by any federally chartered savings bank.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(tt)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#147;<b><font style="font-weight:bold;">Threatened</font></b>&#148;
means a claim, Proceeding, dispute, action or other matter for which any demand
or statement has been made (orally or in writing) or any notice has been given
(orally or in writing), or if any other event has occurred or any other
circumstances exist, that would lead a prudent Person to conclude that such a
claim, Proceeding, dispute, action or other matter is likely to be asserted,
commenced, taken or otherwise pursued in the future.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(uu)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <b><font style="font-weight:bold;">&#147;Termination
Date&#148;</font></b> means August&nbsp;1,
2004, or such later date as shall have been agreed to in writing by the
parties to this Agreement.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(vv)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <b><font style="font-weight:bold;">&#147;Total
Purchase Price&#148;</font></b> means the
product of the Purchase Price Per Share times the total number of shares of
First Kansas Common Stock outstanding at the Effective Time (excluding
Dissenting Shares, shares of First Kansas Common Stock held in treasury by
First Kansas and shares of First Kansas Common Stock held by Acquiror).</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;1.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Principles of Construction</u></font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; In
this Agreement, unless otherwise stated or the context otherwise requires, the
following uses apply: (i)&nbsp;actions permitted under this Agreement may be
taken at any time and from time to time in the actor&#146;s sole discretion; (ii)&nbsp;references
to a statute shall refer to the statute as in effect on the date of this
Agreement and to any successor statute, and to all regulations promulgated
under or implementing the statute or its successor, as in effect at the
relevant time; (iii)&nbsp;in computing periods from a specified date to a later
specified date, the words &#147;<b><font style="font-weight:bold;">from</font></b>&#148; and &#147;<b><font style="font-weight:bold;">commencing on</font></b>&#148; (and the like)
mean &#147;<b><font style="font-weight:bold;">from
and including</font></b>,&#148; and the words &#147;<b><font style="font-weight:bold;">to</font></b>,&#148; &#147;<b><font style="font-weight:bold;">until</font></b>&#148; and &#147;<b><font style="font-weight:bold;">ending on</font></b>&#148; (and the like)
mean &#147;<b><font style="font-weight:bold;">to,
but excluding</font></b>&#148;; (iv)&nbsp;references to a governmental or
quasi-governmental agency, authority or instrumentality shall also refer to a
regulatory body that succeeds to the functions of the agency, authority or
instrumentality; (v)&nbsp;indications of time of day mean Manhattan, Kansas,
time; (vi)&nbsp;&#148;<b><font style="font-weight:bold;">including</font></b>&#148; means &#147;<b><font style="font-weight:bold;">including, but not limited to</font></b>&#148;; (vii)&nbsp;all
references to sections, schedules and exhibits are to</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">7</font></p>


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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">sections, schedules and exhibits in or to this Agreement unless
otherwise specified; (viii)&nbsp;all words used in this Agreement will be
construed to be of such gender or number as the circumstances require; and (ix)&nbsp;the
captions and headings of articles, sections, schedules and exhibits appearing
in or attached to this Agreement have been inserted solely for convenience of
reference and shall not be considered a part of this Agreement nor shall any of
them affect the meaning or interpretation of this Agreement or any of its
provisions.</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The
Book of Schedules of First Kansas referred to in this Agreement consist of the
agreements and other documentation described and referred to in this Agreement,
which Schedules were delivered by First Kansas to Acquiror before the date of
this Agreement.&#160; The disclosures in the
Schedules, and those in any supplement thereto, shall relate only to the
representations and warranties in the section&nbsp;of this Agreement to which
they expressly relate and not to any other representation or warranty in this
Agreement.&#160; In the event of any inconsistency
between the statements in the body of this Agreement and those in the Schedules
(other than an exception expressly set forth as such in the Schedules with
respect to a specifically identified representation or warranty), the
statements in the body of this Agreement will control.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; All
accounting terms not specifically defined herein shall be construed in
accordance with generally accepted accounting principles in the United States
consistent with those used in the preparation of the most recent audited
consolidated financial statements of Acquiror or First Kansas, as the case may
be (&#147;<b><font style="font-weight:bold;">GAAP</font></b>&#148;).</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; With
regard to each and every term and condition of this Agreement and any and all
agreements and instruments subject to the terms hereof, the parties hereto
understand and agree that the same have or has been mutually negotiated,
prepared and drafted, and that if at any time the parties hereto desire or are
required to interpret or construe any such term or condition or any agreement
or instrument subject hereto, no consideration shall be given to the issue of
which party hereto actually prepared, drafted or requested any term or
condition of this Agreement or any agreement or instrument subject hereto.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;2</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">THE MERGER</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>The Merger</u></font></b>.&#160; Provided that this Agreement shall not have
been terminated in accordance with its express terms, upon the terms and
subject to the conditions of this Agreement and in accordance with the
applicable provisions of the General Corporation Code of Kansas, as amended
(the &#147;<b><font style="font-weight:bold;">Kansas Code</font></b>&#148;) at the
Effective Time (as defined below), Acquisition Corp shall be merged with and
into First Kansas.&#160; As a result of the
Merger, the separate corporate existence of Acquisition Corp shall cease and
First Kansas will be the Surviving Corporation.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Effective Time; Closing</u></font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Provided
that this Agreement shall not have been terminated in accordance with its
express terms, the closing of the Merger (the &#147;<b><font style="font-weight:bold;">Closing</font></b>&#148;) shall occur through
the mail or</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">at a place which is mutually acceptable to Acquiror and First Kansas,
or if they fail to agree, at the offices of Barack Ferrazzano Kirschbaum
Perlman &amp; Nagelberg LLC, located at 333 West Wacker Drive, Suite 2700,
Chicago, Illinois 60606, at 10:00&nbsp;a.m. on the date which is
twenty-one&nbsp;(21) Business Days after the end of the month in which all
required approvals or consents of the Regulatory Authorities for the
Contemplated Transactions have been received and all statutory waiting periods
relating to such approvals have expired (the &#147;<b><font style="font-weight:bold;">Closing Date</font></b>&#148;).&#160; Subject to the provisions of <b><font style="font-weight:bold;">Article&nbsp;11</font></b>,
failure to consummate the Merger on the date and time and at the place
determined pursuant to this Section&nbsp;will not result in the termination of
this Agreement and will not relieve any party of any obligation under this
Agreement.</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The
parties to this Agreement agree to file on the Closing Date the appropriate
certificate of merger, as contemplated by Sections&nbsp;17-6003 and 17-6701 of
the Kansas Code with the Secretary of
State of the State of Kansas.&#160; The
Merger shall be effective at the time and on the date agreed to by the
parties to this Agreement, and in the event the parties fail to so agree, at
12:01 a.m. of the day following the date on which the certificate of merger is
accepted for filing by the Secretary of State of the State of Kansas (the &#147;<b><font style="font-weight:bold;">Effective
Time</font></b>&#148;).</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Effects of Merger</u></font></b>.&#160; At the Effective Time, the effect of the
Merger shall be as provided in the Kansas Code.&#160; Without limiting the generality of the foregoing, at the
Effective Time, all the property, rights, privileges, powers and franchises of
Acquisition Corp and First Kansas shall be vested in the Surviving Corporation,
and all debts, liabilities and duties of Acquisition Corp and First Kansas
shall become the debts, liabilities and duties of the Surviving Corporation.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Articles of Incorporation</u>.</font></b>&#160; At the Effective Time, the articles of
incorporation of Surviving Corporation shall be amended and restated to be
identical to the articles of incorporation of Acquisition Corp in place
immediately prior to the Effective Time and shall become the articles of
incorporation of the Surviving Corporation until thereafter amended in
accordance with applicable law.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Bylaws</u>.</font></b>&#160; At the Effective Time, the bylaws of
Surviving Corporation shall be the bylaws of the Acquisiton Corp in place
immediately prior to the Effective Time and shall become the bylaws of the
Surviving Corporation until thereafter amended in accordance with applicable
law.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Board of Directors</u>.</font></b>&#160; From and after the Effective Time, until
duly changed in compliance with applicable law and the articles of
incorporation and bylaws of the Surviving Corporation, the board of directors
of the Surviving Corporation shall consist of the directors of Acquisition Corp
immediately prior to the Effective Time.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Management</u>.&#160; </font></b>At the Effective Time, the
officers of Acquisition Corp immediately prior to the Effective Time shall be
the initial officers of the Surviving Corporation and shall hold office until
their respective successors are duly elected or appointed and qualified in the
manner provided in the articles of incorporation and bylaws of the Surviving
Corporation.</h2>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Acquiror&#146;s Deliveries at Closing</u></font></b>.&#160; At the Closing, Acquiror shall deliver or
cause to be delivered the following items to or on behalf of First Kansas:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; evidence
of the delivery by Acquiror or its agents to the Paying Agent (as defined
below) of cash representing the Total Purchase Price to be paid in accordance
with the terms of this Agreement in exchange for the shares of First Kansas
Common Stock;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; copies
of resolutions of the board of directors of Acquiror approving this Agreement
and the consummation of the Contemplated Transactions, certified as of the
Closing Date by the Secretary or any Assistant Secretary of Acquiror;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; copies
of resolutions of the board of directors and the stockholder of Acquisition
Corp approving this Agreement and the consummation of the Contemplated
Transactions, certified as of the Closing Date by the Secretary or any
Assistant Secretary of Acquisition Corp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
good standing certificate for Acquisition Corp issued by the Secretary of State
of the State of Kansas, and dated not more than fifteen (15) Business Days
prior to the Closing Date;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
copy of the articles of incorporation of Acquisition Corp certified not more
than fifteen (15) Business Days prior to the Closing Date by the Secretary of
State of the State of Kansas;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
certificate of the Secretary or any Assistant Secretary of Acquisition Corp
dated the Closing Date certifying a copy of the bylaws of Acquisition Corp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; certificates
executed by the President or Vice President and Secretary or any Assistant
Secretary of Acquiror and Acquisition Corp, dated the Closing Date, stating
that:&#160; (i)&nbsp;all of the
representations and warranties of Acquiror or Acquisition Corp as the case may
be set forth in this Agreement, as the same may have been updated pursuant to <b><font style="font-weight:bold;">Section&nbsp;7.1</font></b>, are true and correct in
all material respects with the same force and effect as if all of such
representations and warranties were made at the Closing Date, <i><font style="font-style:italic;">provided,
however,</font></i> that to the extent such representations and warranties
expressly relate to an earlier date, such representations shall be true and
correct in all material respects on and as of such earlier date, and <i><font style="font-style:italic;">provided
further</font></i>, that to the extent that representations and warranties are
made in this Agreement subject to a standard of materiality or Knowledge, such
representations and warranties shall be true and correct in all respects; and
(ii)&nbsp;Acquiror or Acquisition Corp, as the case may be, has performed or
complied in all material respects with all of the covenants and obligations to
be performed or complied with by it under the terms of this Agreement on or
prior to the Closing Date, <i><font style="font-style:italic;">provided, however,</font></i> that to the extent
performance and compliance with such covenants and obligations are subject in
this Agreement to a standard of materiality, Acquiror or Acquisition Corp shall
have performed and complied in all respects with such covenants and
obligations; and</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; such
other documents as First Kansas may reasonably request.</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">All of such items shall
be reasonably satisfactory in form and substance to First Kansas and its
counsel.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>First Kansas&#146;s Deliveries at
Closing</u></font></b>.&#160; At the
Closing, First Kansas shall deliver the following items to Acquiror:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; evidence
of the satisfaction by First Kansas or its agents of its obligation to pay each
option holder and each holder of any First Kansas Restricted Stock that was
unvested immediately prior to the Closing Date the amounts required under <b><font style="font-weight:bold;">Section&nbsp;3.2(g)</font></b> and <b><font style="font-weight:bold;">Section&nbsp;3.2(h)</font></b>;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
good standing certificate for First Kansas issued by the Secretary of State of
the State of Kansas and dated not more than fifteen&nbsp;(15) Business Days
prior to the Closing Date;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
copy of the articles of incorporation of First Kansas certified not more than
fifteen&nbsp;(15) Business Days prior to the Closing Date by the Secretary of
State of the State of Kansas;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
certificate of the Secretary or any Assistant Secretary of First Kansas dated
the Closing Date certifying a copy of the bylaws of First Kansas;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; copies
of resolutions of the stockholders and the board of directors of First Kansas
authorizing and approving this Agreement and the consummation of the
Contemplated Transactions, certified as of the Closing Date by the Secretary or
any Assistant Secretary of First Kansas;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
good standing certificate for Bank issued by the OTS and dated not more than
fifteen&nbsp;(15) Business Days prior to the Closing Date;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
copy of the charter of Bank certified by the OTS and dated not more than
fifteen&nbsp;(15) Business Days prior to the Closing Date;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
certificate of the Secretary of Bank dated the Closing Date certifying a copy
of the bylaws of Bank and stating that there have been no further amendments to
the charter of Bank delivered pursuant to the immediately preceding paragraph
of this Section;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
certificate executed by the President or Vice President and Secretary or any
Assistant Secretary of First Kansas, dated the Closing Date, stating that:&#160; (i)&nbsp;there have been no further
amendments to the articles of incorporation and charter delivered pursuant to
this Section; (ii)&nbsp;all of the representations and warranties of First
Kansas set forth in this Agreement, as the same may have been updated pursuant
to <b><font style="font-weight:bold;">Section&nbsp;6.6</font></b>,
are true and correct in all material respects with the same force and effect as
if all of such representations and warranties were made at the Closing Date, <i><font style="font-style:italic;">provided,
however,</font></i> that to the extent such representations and warranties
expressly relate to an earlier date, such representations shall be true and
correct in all material respects on and as of such earlier date, and <i><font style="font-style:italic;">provided
further</font></i>, that to the extent that representations and warranties are
made in this Agreement subject to a standard of materiality or Knowledge, such</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">representations and warranties shall be true and correct in all
respects; and (iii)&nbsp;First Kansas has performed or complied in all material
respects with all of the covenants and obligations to be performed or complied
with by it under the terms of this Agreement on or prior to the Closing Date, <i><font style="font-style:italic;">provided,
however,</font></i> that to the extent performance and compliance with such
covenants and obligations are subject in this Agreement to a standard of materiality,
First Kansas shall have performed and complied in all respects with such
covenants and obligations;</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
list of all holders of First Kansas Common Stock and Bank Shares (as defined
below) as of the Closing Date and a list of all Persons who have the right at
any time to acquire shares of First Kansas Common Stock and Bank Shares
certified in each case by the Secretary or any Assistant Secretary of First
Kansas (the &#147;Final First Kansas Stockholder List&#148;);</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
legal opinion of First Kansas&#146;s counsel dated the Closing Date in the form
attached as <b><font style="font-weight:bold;">Exhibit&nbsp;A</font></b>;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
certificate of each of First Kansas&#146;s legal counsel, accountants and financial
advisor or investment banker, if any, representing that all fees and expenses
incurred by First Kansas prior to and including the Effective Time have been
paid in full, or certificates from these professionals that all fees and
expenses incurred by First Kansas prior to and including the Effective Time
have been invoiced to First Kansas and a certificate from First Kansas that all
invoiced amounts have been paid or accrued in full;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; at
and pursuant to the request of Acquiror, a resignation from each of the
directors and officers of First Kansas from such individual&#146;s position as a
director and an officer of First Kansas, as the case may be; and</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; such
other documents as Acquiror may reasonably request.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">All of such items shall
be reasonably satisfactory in form and substance to Acquiror and its counsel.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.10&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Bank Merger</u>.</font></b></h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Concurrently
with the Merger and immediately after the Effective Time, Acquiror and First
Kansas agree to cause the merger of Bank with and into, and under the charter
of, Landmark Bank, with Landmark Bank being the resulting bank (the &#147;<b><font style="font-weight:bold;">Bank Merger</font></b>&#148;).&#160; The Bank Merger will be effected pursuant to
a merger agreement in the form required by the National Bank Act, as amended
(the &#147;<b><font style="font-weight:bold;">National
Bank Act</font></b>&#148;), and by other applicable Legal Requirements, containing
terms and conditions not inconsistent with the Agreement (the &#147;<b><font style="font-weight:bold;">Bank Merger
Agreement</font></b>&#148;).&#160; The Bank Merger
shall occur only if the Merger is consummated, and it shall become effective
immediately after the Effective Time or such later time as may be determined by
Acquiror.&#160; To obtain the necessary
regulatory approvals for the Bank Merger to occur immediately after the
Effective Time, Acquiror and First Kansas agree to cause each of Landmark Bank
and Bank, respectively, to approve, adopt, execute and deliver the Bank Merger
Agreement and to take such other steps as are reasonably necessary prior to the
Effective Time to effect the Bank Merger.</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">12</font></p>


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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding
anything contained herein to the contrary:&#160;
(i)&nbsp;the Bank Merger will be effective no earlier than the Effective
Time; (ii)&nbsp;none of Acquiror&#146;s actions in connection with the Bank Merger
will unreasonably interfere with any of the operations of First Kansas or Bank
prior to the Effective Time; and (iii)&nbsp;no cost or expense incurred by
First Kansas or Bank pursuant solely to this Section&nbsp;that is not otherwise
reimbursed by Acquiror shall be taken into account for purposes of determining
the satisfaction by First Kansas of the condition in <b><font style="font-weight:bold;">Section&nbsp;9.11</font></b>.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.11&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Alternative Structure</u>.</font></b>&#160; Notwithstanding anything contained herein to
the contrary, upon receipt of First Kansas&#146;s prior written consent (which
consent shall not be unreasonably withheld), Acquiror may specify, for any
reasonable business, tax or regulatory purpose, that, before the Effective
Time, Acquiror and First Kansas shall enter into transactions structured other
than those described in this Agreement to effect the purposes of this
Agreement, including the merger of First Kansas with any Affiliate of Acquiror,
and the parties to this Agreement shall take all action necessary and
appropriate to effect, or cause to be effected, such transactions, <i><font style="font-style:italic;">provided,
however</font></i>, that no such proposed change on the structure of the
transactions contemplated in this Agreement shall delay the Closing Date (if
such a date has already been firmly established) or adversely affect the
economic benefits, the form of consideration or the tax effect of the Merger at
the Effective Time to the holders of First Kansas Common Stock.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;2.12&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Absence of Control</u>.</font></b>&#160; Subject to any specific provisions of this
Agreement, it is the intent of the parties to this Agreement that neither
Acquiror nor First Kansas by reason of this Agreement shall be deemed (until
consummation of the Contemplated Transactions) to control, directly or
indirectly, the other party and shall not exercise, or be deemed to exercise,
directly or indirectly, a controlling influence over the management or policies
of such other party.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;3</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">CONVERSION OF SECURITIES IN THE MERGER</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;3.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Manner of Merger</u></font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; At
the Effective Time, by virtue of the Merger and without any action on the part
of Acquiror or First Kansas or the holder of any First Kansas Common Stock:</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each share of common stock, $0.01
par value per share, of Acquisition Corp issued and outstanding immediately
prior to the Effective Time shall be converted into one validly issued, fully
paid and non-assessable share of common stock of the Surviving Corporation;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each share of First Kansas Common
Stock issued and outstanding immediately prior to the Effective Time, including
shares granted pursuant to the First Kansas Restricted Stock Plan which have
fully vested prior to the Closing Date, shall be converted into the right to
receive cash in an amount equal to (i) Nineteen Dollars ($19.00) minus (ii) the
Per</font></h4>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">13</font></p>


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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Share Equity Adjustment, if any, as defined below, minus (iii) the Per
Share Remediation Cost, if any, as defined below (the <b><font style="font-weight:bold;">&#147;Purchase Price Per Share&#148;</font></b>);</font></p>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each share of First Kansas Common
Stock held by First Kansas as treasury stock shall not be converted into the
right to receive cash, but instead shall be canceled as a result of the Merger;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(iv)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each First Kansas Stock Option shall, <i><font style="font-style:italic;">ipso facto</font></i>
and without any action on the part of holders thereof, become and be converted
into the right to receive the difference between the Purchase Price Per Share
and the applicable option exercise price (the &#147;<b><font style="font-weight:bold;">Option Spread</font></b>&#148;), payable as
provided herein and less any Tax withholding required under the Code or any
provision of state or local law, and prior to the Effective Time, the board of
directors of First Kansas and the committee or committees established under the
First Kansas Stock Option Plan shall take such actions or make such
determinations as may be required under the First Kansas Stock Option Plan,
subject to the approval of Acquiror, to effect the provisions of this
Agreement; and</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(v)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each share of First Kansas Common
Stock owned by Acquiror shall be cancelled.</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For
the purposes of this <b><font style="font-weight:bold;">Section&nbsp;3.1</font></b>,
the <b><font style="font-weight:bold;">&#147;Per Share Equity Adjustment&#148;</font></b>,
if any, shall be equal to (i) the total amount that the Adjusted Stockholders&#146;
Equity (as calculated immediately prior to the Closing Date) is less than
Thirteen Million Six Hundred Thousand Dollars ($13,600,000) divided by (ii)
1,040,324.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For
the purposes of this <b><font style="font-weight:bold;">Section&nbsp;3.1</font></b>,
the <b><font style="font-weight:bold;">&#147;Per Share Remediation Cost&#148;</font></b>,
if any, shall be equal to (i) the total of the difference of the Remediation
Cost, as defined in <b><font style="font-weight:bold;">Section&nbsp;6.10(b)</font></b>,
minus One Hundred Thousand Dollars ($100,000) (which such difference can not be
less than zero) divided by two (2), divided by (ii) 1,040,324.&#160; For example, if the Remediation Cost is
determined by the parties to be Three Hundred Thousand Dollars ($300,000), the
Per Share Remediation Cost will be equal to the following:</font></h3>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="45%" style="border-collapse:collapse;margin-left:1.5in;width:45.42%;">
 <tr>
  <td width="43%" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:43.8%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">($300,000-$100,000)&#247;2</font></p>
  </td>
  <td width="10%" rowspan="2" style="padding:0in 0in 0in 0in;width:10.16%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">=</font></p>
  </td>
  <td width="46%" rowspan="2" style="padding:0in 0in 0in 0in;width:46.04%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">$0.10</font></p>
  </td>
 </tr>
 <tr>
  <td width="43%" valign="top" style="border:none;padding:0in 0in 0in 0in;width:43.8%;">
  <h3 align="center" style="font-weight:normal;margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">1,040,324</font></h3>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After
the Effective Time, no holder of First Kansas Common Stock that is issued and
outstanding immediately prior to the Effective Time will have any rights in
respect of such First Kansas Common Stock except to receive payment for such
shares of First Kansas Common Stock in the manner provided herein or as
provided in Section&nbsp;17-6712 of the Kansas Code.</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">14</font></p>


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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;3.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Steps of Transaction</u></font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Within
three (3) Business Days after the Effective Time,&#160; Acquiror shall mail or cause to be mailed to each then current
holder of record of a certificate or certificates representing outstanding
shares of First Kansas Common Stock (the &#147;<b><font style="font-weight:bold;">Certificates</font></b>&#148;):&#160; (i)&nbsp;a letter of transmittal in customary form which shall
specify that delivery shall be effected, and risk of loss and title to the
Certificates shall pass, only upon delivery of the Certificates to the Paying
Agent; and (ii)&nbsp;instructions for use in surrendering such Certificates in
exchange for payment therefor (collectively, the &#147;<b><font style="font-weight:bold;">Transmittal Materials</font></b>&#148;).&#160; Pursuant to the terms of a mutually
agreeable paying agent agreement, the parties hereto agree to appoint Registrar
and Transfer Company, as paying agent (the &#147;<b><font style="font-weight:bold;">Paying Agent</font></b>&#148;) for the
parties to effect the surrender of the Certificates in exchange for cash in an
amount determined as provided in this Agreement.&#160; Acquiror shall use all reasonable efforts to mail or cause to be
mailed Transmittal Materials to all persons who become holders of First Kansas
Common Stock subsequent to the Mailing Date and no later than the close of
business of the third (3<sup>rd</sup>) Business Day prior to the Closing Date.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Acquiror
shall have the discretion, which it may delegate in whole or in part to the
Paying Agent, to determine whether Transmittal Materials have been properly
completed, signed and submitted and to disregard any defects it determines are
immaterial.&#160; The decision of Acquiror or
the Paying Agent on such matters shall be conclusive and binding.&#160; Neither Acquiror nor the Paying Agent shall
be under any obligation to notify any person of any defect in the materials
submitted to the Paying Agent.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Acquiror
shall cause the Paying Agent to deliver to each holder of First Kansas Common
Stock who has theretofore submitted effective Transmittal Materials accompanied
by the Certificates covered by such materials a check in an amount equal to the
Purchase Price Per Share times the number of shares of First Kansas Common
Stock theretofore represented by the Certificates so surrendered, after giving
effect to any required Tax withholdings.&#160;
The amount paid by Acquiror pursuant to this <b><font style="font-weight:bold;">Section&nbsp;3.2(c)</font></b> shall
constitute and represent full satisfaction of all rights pertaining to such
shares of First Kansas Common Stock.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Until
so surrendered, each outstanding Certificate (other than the Certificates
representing Dissenting Shares, representing First Kansas Common Stock held in
treasury by First Kansas and representing First Kansas Common Stock held by
Acquiror) shall, for all purposes, solely represent the cash amount into and
for which such shares have been so converted; <i><font style="font-style:italic;">provided, however</font></i>, that upon
surrender of a Certificate, there shall be paid to the record holder or holders
of the Certificate, the cash amount, without interest or any dividends thereon,
represented by such Certificate.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; After
the Effective Time, there shall be no further registration or transfers on the
stock transfer books of First Kansas of the shares of First Kansas Common Stock
that were outstanding immediately prior to the Effective Time.&#160; Any Person whose name does not appear upon
the Final First Kansas Stockholder List who submits Certificates to the Paying
Agent shall be entitled to receive no cash payment, and any such Certificates
shall be canceled.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If
any cash amount representing the Purchase Price Per Share is to be paid to any
Person other than the Person in whose name the Certificate surrendered in
exchange therefor is registered, it shall be a condition to such right to
receive such payment that the</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Certificate so surrendered shall be properly endorsed, accompanied by
all documents required to evidence and effect such transfer and otherwise in
proper form for transfer and that the person requesting such payment shall pay
to Acquiror any transfer or other Taxes required by reason of the payment of
the Purchase Price Per Share to or in the name of a Person other than the
Person in whose name the Certificate surrendered in exchange therefor is
registered, or otherwise required, or shall establish to the satisfaction of
Acquiror that such Tax has been paid or is not payable.</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Immediately
prior to the Effective Time, all outstanding First Kansas Stock Options shall
become immediately exercisable and fully vested.&#160; Immediately prior to the Effective Time, all outstanding First
Kansas Stock Options shall be cancelled and First Kansas shall pay each holder,
for each First Kansas Stock Option held, an amount in cash equal to the Option
Spread reduced by any required Tax withholdings.&#160; The payment of the Option Spreads pursuant to this
Article&nbsp;shall be delivered and paid by First Kansas in full satisfaction
of all rights pertaining to the First Kansas Stock Option Plans and the First
Kansas Stock Options.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Immediately
prior to the Effective Time, all unvested shares of stock awarded under the
First Kansas Restricted Stock Plan (<b><font style="font-weight:bold;">&#147;First
Kansas Restricted Stock&#148;</font></b>) shall become fully vested.&#160; Immediately prior to the Effective Time, all
outstanding First Kansas Restricted Stock shall be canceled and First Kansas
shall pay each holder, for each share of First Kansas Restricted Stock held, an
amount in cash equal to the Purchase Price Per Share reduced by any required
Tax withholdings.&#160; The payment of the
Purchase Price Per Share pursuant to this <b><font style="font-weight:bold;">Section&nbsp;3.2(h)
</font></b>shall be delivered and paid by First Kansas in full satisfaction of
all rights pertaining to the First Kansas Restricted Stock Plan and the First
Kansas Restricted Stock.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The
Surviving Corporation shall be entitled to deduct and withhold from the
consideration otherwise payable pursuant to this Agreement to any holder of
shares of First Kansas Common Stock such amounts as it is required to deduct
and withhold with respect to the making of such payment under the Code or any
other Legal Requirement.&#160; To the extent
that amounts are so withheld by the Surviving Corporation, such withheld
amounts shall be treated for all purposes of this Agreement as having been paid
to the holder of the shares of First Kansas Common Stock in respect of which
such deduction and withholding was made by the Surviving Corporation, except
that such treatment shall not apply to any withholding Tax imposed by any
foreign jurisdiction.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If
any Certificate shall have been lost, stolen or destroyed, upon the making of
an affidavit of that fact by the person claiming such Certificate to be lost,
stolen or destroyed and, if required by the Surviving Corporation, the posting
by such person of a bond, in such reasonable amount as the Surviving
Corporation may direct, as indemnity against any claim that may be made against
it with respect to such Certificate, the Paying Agent will issue in exchange
for such lost, stolen or destroyed Certificate a check for the cash to which
the holders thereof are entitled pursuant to this Agreement.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;3.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Return of Funds by Paying Agent; Escheat</u></font></b>.&#160; At any time following the six&nbsp;(6) month
anniversary of the Effective Time, the Surviving Corporation shall be entitled
to require the Paying Agent to deliver to the Surviving Corporation any funds
which had been made</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">available to the Paying Agent and not disbursed to holders of shares of
First Kansas Common Stock (including all interest and other income received by
the Paying Agent in respect of all funds made available to it), the
Certificates and other documents in its possession relating to the Merger, and
the Paying Agent&#146;s duties shall terminate.&#160;
Thereafter, each holder of a Certificate formerly representing shares of
First Kansas Common Stock may surrender such Certificate to the Surviving
Corporation or its successor and receive in consideration therefor the cash
amount representing the Purchase Price Per Share therefor, without any interest
or dividends thereon.&#160; Notwithstanding
anything in this Article&nbsp;or elsewhere in this Agreement to the contrary,
neither the Paying Agent nor any party hereto shall be liable to a former
holder of First Kansas Common Stock or any First Kansas Stock Option for any
funds delivered to a public official pursuant to any applicable escheat or
abandoned property laws.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;3.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Dissenting Shares</u></font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Notwithstanding
anything to the contrary contained in this Agreement, to the extent appraisal
rights are available to First Kansas stockholders pursuant to
Section&nbsp;17-6712 of the Kansas Code, any shares held by a Person who
delivers to First Kansas, prior to the time the vote is taken by First Kansas&#146;s
stockholders on this Agreement and the Merger, a written demand for payment for
his or her shares, whose shares were not voted in favor of the Merger and who
complies with all of the provisions of the Kansas Code concerning the rights of
such Person to dissent from the Merger and to require appraisal of such
Person&#146;s shares and who has not withdrawn such objection or waived such rights
prior to the Closing Date (&#147;<b><font style="font-weight:bold;">Dissenting Shares</font></b>&#148;) shall not be converted
pursuant to <b><font style="font-weight:bold;">Section&nbsp;3.2</font></b> but
shall become the right to receive such consideration as may be determined to be
due to the holder of such Dissenting Shares pursuant to the Kansas Code, <i><font style="font-style:italic;">provided,
however</font></i>, that each Dissenting Share held by a Person at the
Effective Time who shall, after the Effective Time, withdraw the demand for
appraisal or lose the right of appraisal, in either case pursuant to the Kansas
Code shall be deemed to be converted, as of the Effective Time, into cash in an
amount determined as provided in this Agreement Consideration upon surrender in
the manner provided in <b><font style="font-weight:bold;">Section&nbsp;3.4</font></b>
of the Certificates, that, immediately prior to the Effective Time, evidenced
such shares.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; First
Kansas shall give Acquiror:&#160; (i)&nbsp;prompt
written notice of any demands for appraisal received by First Kansas,
withdrawals of such demands and any other instruments served pursuant to the
Kansas Code and received by First Kansas; and (ii)&nbsp;the opportunity to
direct all negotiations and proceedings with respect to demands for appraisal
under the Kansas Code.&#160; First Kansas
shall not, except with the prior written consent of Acquiror, make any payment
with respect to any demands for appraisal or offer to settle any such demands.</font></h3>

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<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;4</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">REPRESENTATIONS AND WARRANTIES OF FIRST KANSAS</font></b></p>

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<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">First
Kansas hereby represents and warrants to Acquiror that the following are true
and correct as of the date hereof, and will be true and correct as of the
Effective Time:</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>First Kansas Organization</u></font></b>.&#160; First Kansas (a)&nbsp;is a corporation duly
organized, validly existing and in good standing under the laws of the State of
Kansas and is also in good standing in each other jurisdiction in which the
nature of the business conducted or the properties or assets owned or leased by
it makes such qualification necessary; (b)&nbsp;is registered with the OTS as a
unitary savings and loan holding company pursuant to the Home Owner&#146;s Loan Act,
as amended (&#147;<b><font style="font-weight:bold;">HOLA</font></b>&#148;); and (c)&nbsp;has full power and authority, corporate
and otherwise, to operate as a thrift holding company and to own, operate and
lease its properties as presently owned, operated and leased, and to carry on
its business as it is now being conducted.&#160;
Copies of the articles of incorporation and bylaws of First Kansas and
all amendments thereto set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.1 of the First Kansas Book of
Schedules</font></b> are complete and correct.&#160;
First Kansas owns no voting stock or equity securities of any
corporation, association, partnership or other entity, other than all of the
voting stock of Bank and as set forth on <b><font style="font-weight:bold;">Schedule&nbsp;4.1 of the First Kansas Book of
Schedules</font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Bank Organization</u></font></b>.&#160; Bank is a federal savings bank duly
organized, validly existing and in good standing under the laws of the United
States of America.&#160; Bank has full power
and authority, corporate and otherwise, to own, operate and lease its
properties as presently owned, operated and leased, and to carry on its
business as it is now being conducted, and is duly qualified to do business and
is in good standing in each jurisdiction in which the nature of the business
conducted or the properties or assets owned or leased by it makes such
qualification necessary.&#160; Copies of the
charter and bylaws of Bank and all amendments thereto set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.2
of the First Kansas Book of Schedules</font></b> are complete and correct.&#160; Bank owns no voting stock or equity
securities of any corporation, association, partnership or other entity, other
than as shown on <b><font style="font-weight:bold;">Schedule&nbsp;4.2 of the First Kansas Book of Schedules</font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Authorization</u></font></b>.&#160; First Kansas has the requisite corporate
power and authority to enter into and perform its obligations under this
Agreement and the execution, delivery and performance of this Agreement by
First Kansas and the consummation by it of the transactions contemplated
thereby, have been duly authorized by all necessary corporate action, subject
to stockholder approval.&#160; This Agreement
constitutes a legal, valid and binding obligation of First Kansas enforceable
in accordance with its terms except as such enforcement may be limited by
bankruptcy, insolvency, reorganization or other similar laws and subject to
general principles of equity.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>No Conflict</u>.</font></b>&#160; Neither the execution nor delivery of this
Agreement nor the consummation or performance of any of the Contemplated
Transactions will, directly or indirectly (with or without notice or lapse of
time):&#160; (a)&nbsp;contravene, conflict
with or result in a violation of any provision of the articles of
incorporation, the charter, the bylaws or any resolution adopted by the board
of directors or stockholders of, First Kansas or any First Kansas</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Subsidiary; (b)&nbsp;contravene, conflict with or result in a violation
of any Legal Requirement or any Order to which First Kansas or any First Kansas
Subsidiary, or any of the assets that are owned or used by them, may be
subject, other than any of the foregoing that would be satisfied by compliance
with the provisions of the HOLA, the Securities Act, the Exchange Act and the
Kansas Code; and (c)&nbsp;contravene, conflict with or result in a violation or
breach of any provision of, or give any Person the right to declare a default
or exercise any remedy under, or to accelerate the maturity or performance of,
or to cancel, terminate or modify any material Applicable Contract to which
First Kansas or any First Kansas Subsidiary is a party or by which any of their
respective assets is bound; or (d)&nbsp;result in the creation of any lien,
charge or encumbrance upon, or with respect to, any of the assets owned or used
by First Kansas or any First Kansas Subsidiary.&#160; Except for the requisite approval of its stockholders, neither
First Kansas nor any First Kansas Subsidiary is or will be required to give any
notice to, or obtain any consent from, any Person in connection with the
execution and delivery of this Agreement or the consummation or performance of
any of the Contemplated Transactions.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>First Kansas Capitalization</u></font></b>.&#160; The authorized capital stock of First Kansas
consists, and at September&nbsp;30, 2003, consisted of:&#160; (a)&nbsp;8,000,000 shares of common stock,
$0.10 par value per share, of which 1,553,938 shares were issued, and 645,693
shares were held in the treasury of First Kansas as of that date; and (b)&nbsp;2,000,000
shares of preferred stock, $0.10 par value per share, none of which shares were
issued and outstanding.&#160; The maximum
number of shares of First Kansas Common Stock (assuming for this purpose that
share equivalents constitute First Kansas Common Stock) that would be
outstanding immediately prior to the Effective Time (including treasury shares)
if all options, warrants, conversion rights and other rights with respect
thereto were exercised and the restrictions on any restricted stock were no
longer applicable is 1,686,017 shares.&#160;
All of the outstanding shares of capital stock of First Kansas have been
duly and validly authorized and issued and are fully paid and
nonassessable.&#160; To the Knowledge of
First Kansas and except as disclosed in this Agreement or on the Schedules,
none of the shares of authorized capital stock of First Kansas are, nor on the
Closing Date will they be, subject to any claim of right except pursuant to
this Agreement.&#160; Except as contemplated
in this Agreement or as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.5 of the First Kansas Book of
Schedules</font></b>, there are, as of the date of this Agreement, no
outstanding subscriptions, contracts, conversion privileges, options, warrants,
calls or other rights obligating First Kansas or any First Kansas Subsidiary to
issue, sell or otherwise dispose of, or to purchase, redeem or otherwise
acquire, any shares of capital stock of First Kansas or any First Kansas
Subsidiary.&#160; There are no outstanding
securities of First Kansas that are convertible into, or exchangeable for, any
shares of First Kansas&#146;s capital stock, and except as provided in this
Section&nbsp;or otherwise disclosed in this Agreement, First Kansas is not a
party to any Contract relating to the issuance, sale or transfer of any equity
securities or other securities of First Kansas.&#160; None of the shares of First Kansas Common Stock were issued in
violation of any federal or state securities laws or any other Legal
Requirement.&#160; First Kansas does not own
or have any Contract to acquire any equity securities or other securities of
any Person or any direct or indirect equity or ownership interest in any other
business except for the capital stock of Bank and as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.5
of the First Kansas Book of Schedules</font></b>.&#160; Except as disclosed in or permitted by this Agreement or as
provided on <b><font style="font-weight:bold;">Schedule&nbsp;4.5 of the First Kansas Book of Schedules</font></b>, no
shares of First Kansas capital stock have been purchased, redeemed or otherwise
acquired, directly or indirectly, by</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">First Kansas or any First Kansas Subsidiary and no dividends or other
distributions payable in any equity securities of First Kansas or any First
Kansas Subsidiary have been declared, set aside, made or paid to the
stockholders of First Kansas.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Bank Capitalization</u></font></b>.&#160; The authorized capital stock of Bank
consists, and at the Effective Time will consist, (a)&nbsp;8,000,000 shares of
common stock, $0.10 par value per share, and (b)&nbsp;2,000,000 shares of
preferred stock, $0.10 par value per share.&#160;
100,000 shares of common stock are, and immediately prior to the Closing
Date will be, duly authorized, validly issued and outstanding, fully paid and
nonassessable; and none of the shares of preferred stock are, and immediately
prior to the Closing Date will be, issued (the shares of common stock and
preferred stock together, the &#147;<b><font style="font-weight:bold;">Bank Shares</font></b>&#148;).&#160; First Kansas is, and will be on the Closing Date, the record and
beneficial owner of one&nbsp;hundred percent&nbsp;(100%) of the Bank Shares,
free and clear of any lien or encumbrance whatsoever, except as set forth in<b><font style="font-weight:bold;">
Schedule&nbsp;4.6 of the First Kansas Book of Schedules</font></b>.&#160; The Bank Shares are, and will be on the
Closing Date, freely transferable and are, and will be on the Closing Date,
subject to no claim of right except pursuant to this Agreement and as set forth
in <b><font style="font-weight:bold;">Schedule&nbsp;4.6
of the First Kansas Book of Schedules</font></b>.&#160; There are no options, warrants, rights, calls or commitments of
any character relating to any additional shares of the capital stock of
Bank.&#160; No capital stock or other security
issued by Bank has been issued in violation of, or without compliance with, any
preemptive rights of stockholders.&#160;
There are no outstanding securities of Bank that are convertible into,
or exchangeable for, any shares of Bank&#146;s capital stock, and Bank is not a
party to any Contract relating to the issuance, sale or transfer of any equity
securities or other securities of Bank.&#160;
Bank does not own, or have any Contract to acquire, any equity
securities or other securities of any Person or any direct or indirect equity
or ownership interest in any other business, except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.6
of the First Kansas Book of Schedules</font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Financial Statements and Reports</u></font></b>.&#160; True, correct and complete copies of the
following financial statements of First Kansas are included in <b><font style="font-weight:bold;">Schedule&nbsp;4.7
of the First Kansas Book of Schedules</font></b>:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Consolidated
Balance Sheets and the related Statements of Income, Statements of Changes in
Stockholders&#146; Equity and Statements of Cash Flows of First Kansas for the years
ended December&nbsp;31, 2000, 2001 and 2002;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Consolidated
Balance Sheet and the related Statement of Income of First Kansas for the six
months ended June&nbsp;30, 2003; and</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; TFRs
for Bank at the close of business on December&nbsp;31, 2000, 2001 and 2002, and
for the six months ended June&nbsp;30, 2003.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">The financial statements
described in this Section&nbsp;(the &#147;<b><font style="font-weight:bold;">First Kansas Financial Statements</font></b>&#148;) are
complete and correct in all material respects and fairly and accurately present
the respective financial position, assets, liabilities and results of
operations of First Kansas and the First Kansas Subsidiaries at the respective
dates of, and for the periods referred to in, the First Kansas Financial
Statements.&#160; The financial statements described
in clause (a) above are audited statements and have been prepared in conformity
with GAAP.&#160; The financial statements
described</font></p>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">in clauses (b) and (c) above have been prepared on a basis consistent
with past accounting practices and as required by applicable rules or
regulations and fairly present the consolidated financial condition and results
of operations at the dates and for the periods presented, subject to year-end
audit adjustments (which changes in the aggregate would not reasonably be
expected to have a Material Adverse Effect on First Kansas on a consolidated
basis).&#160; The First Kansas Financial
Statements do not include any material assets or omit to state any material
liabilities, absolute or contingent, or other facts, which inclusion or
omission would render the First Kansas Financial Statements misleading in any
material respect.</font></p>

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<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Books and Records</u>.&#160; </font></b>The books of account,
minute books, stock record books and other records of First Kansas and each
First Kansas Subsidiary are complete and correct in all material respects and
have been maintained in accordance with sound business practices and all
applicable Legal Requirements, including the maintenance of any adequate system
of internal controls.&#160; The minute books of
First Kansas and each First Kansas Subsidiary contain accurate and complete
records in all material respects of all meetings held of, and corporate action
taken by, its respective stockholders, board of directors and committees of the
board of directors.&#160; At the Closing, all
of those books and records will be in the possession of First Kansas and the
First Kansas Subsidiaries.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Title to Properties</u>.</font></b>&#160; First Kansas and each First Kansas
Subsidiary has good and marketable title to all assets and properties, whether
real or personal, tangible or intangible, that it purports to own, subject to
no valid liens, mortgages, security interests, encumbrances or charges of any
kind except:&#160; (a)&nbsp;as noted in the
most recent First Kansas Financial Statement or in <b><font style="font-weight:bold;">Schedule&nbsp;4.9 of the First Kansas
Book of Schedules</font></b>; (b)&nbsp;statutory liens for Taxes not yet
delinquent or being contested in good faith by appropriate Proceedings and for
which appropriate reserves have been established and reflected on the First
Kansas Financial Statements; (c)&nbsp;pledges or liens required to be granted
in connection with the acceptance of government deposits, granted in connection
with repurchase or reverse repurchase agreements or otherwise incurred in the
Ordinary Course of Business; and (d)&nbsp;minor defects and irregularities in
title and encumbrances that do not materially impair the use thereof for the
purposes for which they are held.&#160;
Except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.9 of the First Kansas Book of
Schedules</font></b>, First Kansas and each First Kansas Subsidiary as lessee
has the right under valid and existing leases to occupy, use, possess and
control any and all of the respective property leased by it.&#160; Except where any failure would not
reasonably be expected to have a Material Adverse Effect on First Kansas on a
consolidated basis, all buildings and structures owned by First Kansas and each
First Kansas Subsidiary lie wholly within the boundaries of the real property
owned or validly leased by it, do not encroach upon the property of, or otherwise
conflict with the property rights of, any other Person</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.10&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Condition and Sufficiency of Assets</u>.&#160; </font></b>Except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.10
of the First Kansas Book of Schedules</font></b>,<b><font style="font-weight:bold;">  </font></b>the buildings, structures
and equipment of First Kansas and each First Kansas Subsidiary are in good
operating condition and repair, and are adequate for the uses to which they are
being put, and none of such buildings, structures or equipment is in need of
maintenance or repairs except for ordinary, routine maintenance and repairs
that are not material in the aggregate in nature or in cost.&#160; Except where any failure would not
reasonably be expected to have a Material Adverse Effect on First Kansas on a
consolidated</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">basis, the real property, buildings, structures and equipment owned or
leased by First Kansas and each First Kansas Subsidiary are in compliance with
the Americans with Disabilities Act of 1990, as amended, and the regulations
promulgated thereunder, and all other building and development codes and other
restrictions, including subdivision regulations, building and construction
regulations, drainage codes, health, fire and safety laws and regulations,
utility tariffs and regulations, conservation laws and zoning laws and
ordinances.&#160; The assets and properties,
whether real or personal, tangible or intangible, that First Kansas or any
First Kansas Subsidiary purport to own are sufficient for the continued conduct
of the business of First Kansas and such First Kansas Subsidiary after the
Closing in substantially the same manner as conducted prior to the Closing.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.11&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Loan Loss Reserve</u>.</font></b>&#160; All loans and loan commitments extended by
Bank and any extensions, renewals or continuations of such loans and loan commitments
(the &#147;<b><font style="font-weight:bold;">First
Kansas Loans</font></b>&#148;) were made in accordance with customary lending
standards of Bank in the Ordinary Course of Business.&#160; The First Kansas Loans are evidenced by appropriate and
sufficient documentation and constitute valid and binding obligations to Bank
enforceable in accordance with their terms, except as may be limited by any
bankruptcy, insolvency, moratorium or other laws affecting creditors&#146; rights
generally by the exercise of judicial discretion.&#160; All such First Kansas Loans are, and at the Closing will be, free
and clear of any encumbrance or other charge, except for permitted liens, and
Bank has materially complied, and at the Closing will have materially complied
with, all Legal Requirements relating to the First Kansas Loans.&#160; The reserve for probable loan and lease
losses of Bank is adequate in all material respects to provide for probable or
specific losses, net of recoveries relating to loans previously charged
off.&#160; None of the First Kansas Loans is
subject to any material offset or claim of offset, and the aggregate loan
balances in excess of First Kansas&#146;s consolidated reserve for loan and lease
losses are to First Kansas&#146;s Knowledge, based on past loan loss experience,
collectible in accordance with their terms (except as limited above) and all
uncollectible loans have been charged off.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.12&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Undisclosed Liabilities; Adverse
Changes</u>.</font></b>&#160; Except
as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.12 of the First Kansas Book of Schedules</font></b>,
neither First Kansas nor any First Kansas Subsidiary has any material
liabilities or obligations of any nature (whether known or unknown and whether
absolute, accrued, contingent or otherwise), except for liabilities or
obligations reflected or reserved against in the First Kansas Financial
Statements, liabilities and obligations arising under contracts and
arrangements which are either set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.18 of the First Kansas Book of
Schedules</font></b>, or are of a type described in <b><font style="font-weight:bold;">Section&nbsp;4.18</font></b>, but not
included in <b><font style="font-weight:bold;">Schedule&nbsp;4.18 of the First Kansas Book of Schedules</font></b> because
the amounts involved do not meet the amounts specified for inclusion in <b><font style="font-weight:bold;">Schedule&nbsp;4.18
of the First Kansas Book of Schedules</font></b>, current liabilities incurred
in the Ordinary Course of Business since the respective dates thereof and other
liabilities or obligations that in the aggregate would not reasonably be
expected to have a Material Adverse Effect on First Kansas on a consolidated
basis.&#160; Since the date of the latest
First Kansas Financial Statement, there has not been any change in the
business, operations, properties, prospects, assets or condition of First
Kansas or any First Kansas Subsidiary, and no event has occurred or
circumstance exists, that has had, or</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">would reasonably be expected to have, a Material Adverse Effect on
First Kansas on a consolidated basis.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.13&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Taxes</u></font></b>.&#160; First Kansas and each First Kansas
Subsidiary has duly filed or will duly file all material Tax Returns required
to be filed by it for all periods prior to the Closing, and each such Tax
Return is or will be complete and accurate in all material respects.&#160; Except as set forth on <b><font style="font-weight:bold;">Schedule&nbsp;4.13 of the First Kansas
Book of Schedules</font></b>, neither First Kansas nor any First Kansas
Subsidiary is:&#160; (a)&nbsp;delinquent in
the payment of any Taxes shown on such Tax Returns or on any assessments
received by it for such Taxes; (b)&nbsp;a party to or is the subject of any
pending Order, Proceeding, audit, examination or investigation by any
Regulatory Authority that is related to assessment or collection of Taxes paid
or payable by First Kansas or any First Kansas Subsidiary for any year, nor
does First Kansas have any Knowledge of any of the foregoing that are
Threatened; or (c)&nbsp;subject to any agreement extending the period for
assessment or collection of any Tax.&#160;
None of the Tax liabilities of First Kansas or any First Kansas
Subsidiary has ever been audited by any Regulatory Authority since
January&nbsp;1, 1998.&#160; The reserve for
Taxes in the audited financial statements of First Kansas for the year ended
December&nbsp;31, 2002, is adequate to cover all of the Tax liabilities of
First Kansas and each First Kansas Subsidiary that may become payable in future
years in respect to any transactions consummated prior to December&nbsp;31,
2002.&#160; Neither First Kansas nor any
First Kansas Subsidiary has and, to First Kansas&#146;s Knowledge, will not have any
liability for Taxes of any nature for or in respect of the operation of its
respective businesses or ownership of its respective assets from
December&nbsp;31, 2002, up to and including the Effective Time, except to the
extent reflected on the audited First Kansas Financial Statements for the year
ended December&nbsp;31, 2002, or on the Subsequent First Kansas Financial
Statements (as such term is defined below) or otherwise reflected in the books
and records of First Kansas and the First Kansas Subsidiaries for the period
following its then most recent of the Subsequent First Kansas Financial
Statements.&#160; First Kansas has delivered
to Acquiror true, correct and complete copies of all income Tax Returns
previously filed with respect to the last three fiscal years of First Kansas
and the First Kansas Subsidiaries and any tax examination reports and
statements of deficiencies assessed or agreed to for any of First Kansas or any
First Kansas Subsidiary for any such time period.</h2>

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<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.14&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Compliance With ERISA</u>.</font></b>&#160; Except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.14 of the First Kansas
Book of Schedules</font></b>, all employee benefit plans (as defined in
Section&nbsp;3(3) of ERISA) established or maintained by First Kansas or any
First Kansas Subsidiary or to which First Kansas or any First Kansas Subsidiary
contributes, are in compliance in all material respects with all applicable
requirements of ERISA, and are in compliance in all material respects with all
applicable requirements (including qualification and non-discrimination
requirements in effect as of the Effective Time) of the Code for obtaining the
tax benefits the Code thereupon permits with respect to such employee benefit
plans.&#160; Each employee benefit plan
established or maintained by First Kansas or and First Kansas Subsidiaries that
is intended to be a pension, profit sharing, stock bonus, savings or employee
stock ownership plan that is qualified under Section&nbsp;401(a) of the Code
has been determined by the Internal Revenue Service to qualify under
Section&nbsp;401(a) of the Code and an application for determination of such
qualification has been timely made to the Internal Revenue Service prior to the
end of the applicable remedial amendment period under Section&nbsp;401(b) of
the Code (a copy of each such determination letter and each pending</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">application is included in <b><font style="font-weight:bold;">Schedule&nbsp;4.14
of the First Kansas Book of Schedules</font></b>.&#160; To the knowledge of First Kansas, no employee benefit plan of
First Kansas or any First Kansas Subsidiary has engaged in or been a party to a
&#147;prohibited transaction&#148; (as defined in Section&nbsp;406 of ERISA or
Section&nbsp;4975 of the Code) without an exemption thereto under
Section&nbsp;408 of ERISA or Section&nbsp;4975(d) of the Code.&#160; For purposes of this Section, non-compliance
with the Code and ERISA is material if such non-compliance would reasonably be
expected to have a Material Adverse Effect on First Kansas.&#160; No such employee benefit plan has, or as of
the Closing will have, any amount of unfunded benefit liabilities (as defined
in Section&nbsp;4001(a)(18) of ERISA) for which First Kansas or any First
Kansas Subsidiary would be liable to any Person under Title&nbsp;IV of ERISA if
any such employee benefit plan were terminated as of the Closing.&#160; Each employee benefit plan as defined in
Section&nbsp;3(3) of ERISA satisfies the minimum funding standards of
Section&nbsp;412 of the Code (if applicable).&#160;
There would be no obligations of First Kansas or any First Kansas
Subsidiary under Title&nbsp;IV of ERISA or under the terms of the plan relating
to any employee benefit plan that is a multiple employer plan if any such plan
were terminated as of the Closing or if First Kansas or any First Kansas
Subsidiary withdrew from any such plan as of the Closing.&#160; No payments will be made as a result of the
Merger that will be subject to nondeductibility under Section&nbsp;280G of the
Code or subject to an excise tax under Section&nbsp;4999 of the Code.&#160; There are no material outstanding
liabilities of any such employee benefit plan other than liabilities for
benefits to be paid to participants in such plans and their beneficiaries in
accordance with the terms of such plan and the liabilities of the First Kansas
ESOP related to the First Kansas ESOP Loan.&#160;
<b><font style="font-weight:bold;">Schedule&nbsp;4.14
of the First Kansas Book of Schedules</font></b> includes a true and correct
copy of the promissory note and all agreements relating to the First Kansas
ESOP Loan.&#160; First Kansas has provided
notice of withdrawal from its participation in the multiple employer defined
benefit plan and all correspondence regarding such withdrawal is included in <b><font style="font-weight:bold;">Schedule&nbsp;4.14
of the First Kansas Book of Schedules</font></b>.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.15&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Compliance With Legal Requirements</u>.</font></b>&#160; First Kansas and each First Kansas
Subsidiary holds all licenses, certificates, permits, franchises and rights
from all appropriate Regulatory Authorities necessary for the conduct of its
respective business and where failure to do so would reasonably be expected to
have a Material Adverse Effect on First Kansas.&#160; Except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.15 of the First Kansas Book of
Schedules</font></b>, First Kansas and each First Kansas Subsidiary is, and at
all times since January&nbsp;1, 2000, has been, in compliance with each Legal
Requirement that is or was applicable to it or to the conduct or operation of
its respective businesses or the ownership or use of any of its respective
assets, except in each case where any non-compliance did not have, or would not
reasonably be expected to have, a Material Adverse Effect on First Kansas on a
consolidated basis.&#160; No event has
occurred or circumstance exists that (with or without notice or lapse of
time):&#160; (a)&nbsp;may constitute or
result in a violation by First Kansas or any First Kansas Subsidiary of, or a
failure on the part of First Kansas or any First Kansas Subsidiary to comply
with, any Legal Requirement; or (b)&nbsp;may give rise to any obligation on the
part of First Kansas or any First Kansas Subsidiary to undertake, or to bear
all or any portion of the cost of, any remedial action of any nature in
connection with a failure to comply with any Legal Requirement, except for any
of the foregoing that would not reasonably be expected to have a Material
Adverse Effect on First Kansas on a consolidated basis.&#160; Except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.15 of the First Kansas
Book of Schedules</font></b>, neither First Kansas nor any First Kansas
Subsidiary has received, at any time since January&nbsp;1, 2000, any notice or
other</h2>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">24</font></p>


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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">communication (whether oral or written) from any Regulatory Authority
or any other Person, nor does First Kansas have any Knowledge, regarding any
actual, alleged, possible or potential:&#160;
(x)&nbsp;violation of, or failure to comply with, any material Legal
Requirement to which First Kansas or any First Kansas Subsidiary, or any of the
assets owned or used by any of them, is or has been subject, or investigation
with respect to any of the foregoing conducted by any Regulatory Authority; or
(y)&nbsp;obligation on the part of First Kansas or any First Kansas Subsidiary
to undertake, or to bear all or any portion of the cost of, any remedial action
of any nature in connection with a failure to comply with any material Legal
Requirement.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.16&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Legal Proceedings; Orders</u></font></b>.&#160; <b><font style="font-weight:bold;">Schedule&nbsp;4.16 of the First Kansas Book of
Schedules</font></b> is a true and correct list of all Proceedings and Orders
pending, entered into or, to the Knowledge of First Kansas, Threatened against,
affecting or involving First Kansas or any First Kansas Subsidiary or any of
their respective assets or businesses, or the Contemplated Transactions, since
January&nbsp;1, 2000, that had, or would reasonably be expected to have, a
Material Adverse Effect on First Kansas on a consolidated basis or that would
impair First Kansas&#146;s ability to consummate any of the Contemplated
Transactions, and there is no fact to First Kansas&#146;s Knowledge that would
provide a basis for any other Proceeding or Order involving First Kansas or any
First Kansas Subsidiary, or any of its respective officers or directors in
their capacities as such, or its assets, business or goodwill that would
reasonably be expected to have a Material Adverse Effect on First Kansas or
that would impair First Kansas&#146;s ability to consummate any of the Contemplated
Transactions.&#160; To the Knowledge of First
Kansas, no officer, director, agent or employee of First Kansas or any First
Kansas Subsidiary is subject to any Order that prohibits such officer,
director, agent or employee from engaging in or continuing any conduct,
activity or practice relating to the businesses of First Kansas or any First
Kansas Subsidiary.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.17&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Absence of Certain Changes and
Events</u>.</font></b>&#160; Except as
set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.17 of the First Kansas Book of Schedules</font></b>,
since December&nbsp;31, 2002, First Kansas and each First Kansas Subsidiary has
conducted its respective business only in the Ordinary Course of Business and
with respect to each there has not been any:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; change
in its authorized or issued capital stock; grant of any stock option or right
to purchase shares of its capital stock; grant of any shares pursuant to the
First Kansas Restricted Stock Plan; issuance of any security convertible into
such capital stock or evidences of indebtedness (except in connection with
customer deposits); grant of any registration rights; purchase, redemption,
retirement or other acquisition by it of any shares of any such capital stock;
or declaration or payment of any dividend or other distribution or payment in
respect of shares of its capital stock (except for payment of dividends and distributions
from any wholly-owned First Kansas Subsidiary to First Kansas and pursuant to <b><font style="font-weight:bold;">Section&nbsp;6.4</font></b>);</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; amendment
to its certificate or articles of incorporation, charter, articles of
association or bylaws or any resolutions adopted by its board of directors or
stockholders with respect to the same;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; payment
or increase of any bonuses, salaries or other compensation to any of its
stockholders, directors, officers or employees, except for normal increases in
the Ordinary</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">25</font></p>


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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Course of Business or in accordance with any then existing First Kansas
Employee Benefit Plan (as defined below), or entry by it into any employment,
consulting, non-competition, change in control, severance or similar Contract
with any stockholder, director, officer or employee;</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; adoption,
amendment (except for any amendment necessary to comply with any Legal
Requirement) or termination of, or increase in the payments to or benefits
under, First Kansas Employee Benefit Plan, including the amendment, revision or
termination, or increase in the payments under, any agreement or promissory
note evidencing the First Kansas ESOP Loan;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; material
damage to or destruction or loss of any of its assets or property, whether or
not covered by insurance;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; entry
into, termination or extension of, or receipt of notice of termination of, any
joint venture or similar agreement pursuant to any Contract or any similar
transaction;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; except
for this Agreement, entry into any Contract or incurrence of any obligation or
liability (fixed or contingent) other than in the Ordinary Course of Business;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; material
change in any existing lease of real or personal property to which it is a
party;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; sale
(other than any sale in the Ordinary Course of Business), lease or other
disposition of any of its assets or properties or mortgage, pledge or
imposition of any lien or other encumbrance upon any of its material assets or
properties, except for tax and other liens that arise by operation of law and
with respect to which payment is not past due and except for pledges or
liens:&#160; (i)&nbsp;required to be granted
in connection with the acceptance by any First Kansas Subsidiary of government
deposits; (ii)&nbsp;granted in connection with repurchase or reverse repurchase
agreements; or (iii)&nbsp;otherwise incurred in the Ordinary Course of
Business;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; incurrence
by it of any obligation or liability (fixed or contingent) other than in the
Ordinary Course of Business;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; other
than in the Ordinary Course of Business, cancellation or waiver by it of any
debts, claims or rights with a value in excess of $10,000;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; any
investment by it of a capital nature exceeding $30,000 or aggregate investments of a capital nature exceeding $60,000;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; except
for the Contemplated Transactions, merger or consolidation with or into any
other Person, or acquisition of any stock, equity interest or business of any
other Person;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; transaction
for the borrowing or loaning of monies, other than in the Ordinary Course of
Business;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; suffered
any change or changes having a Material Adverse Effect on it, or in the
operation or conduct of its respective business;</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; conducted
its respective business in any manner other than substantially as it was being
conducted prior to such time;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; purchased
any investment security that is callable prior to its stated maturity or that
has a stated maturity of thirty&nbsp;(30) months or more or has a purchase
price of greater than $250,000;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(r)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; obtained
any advances with maturities of greater than one&nbsp;(1) year from the Federal
Home Loan Bank;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(s)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; agreed
to a material change in its accounting methods used; or</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(t)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; agreement,
whether oral or written, by it to do any of the foregoing.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.18&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Properties, Contracts, Employee
Benefit Plans and Other Agreements</u></font></b>.&#160; Except for loan agreements evidencing loans
or loan commitments made by Bank in the Ordinary Course of Business, <b><font style="font-weight:bold;">Schedule&nbsp;4.18
of the First Kansas Book of Schedules </font></b>lists or describes the following
with respect to First Kansas and each First Kansas Subsidiary:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; all
real property owned by First Kansas and each First Kansas Subsidiary and the
principal buildings and structures located thereon, together with a legal
description of such real estate, and each lease of real property to which First
Kansas and each First Kansas Subsidiary is a party, identifying the parties
thereto, the annual rental payable, the expiration date thereof and a brief
description of the property covered, and in each case of either owned or leased
real property, the proper identification, if applicable, of each such property
as a branch or main office or other office of First Kansas or any First Kansas
Subsidiary;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; all
loan and credit agreements, conditional sales contracts or other title
retention agreements or security agreements relating to money borrowed by First
Kansas or any First Kansas Subsidiary, exclusive of deposit agreements with
customers of Bank entered into in the Ordinary Course of Business, agreements
for the purchase of federal funds and repurchase agreements;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
Applicable Contract that involves performance of services or delivery of goods
or materials by First Kansas or any First Kansas Subsidiary of an amount or
value in excess of $30,000;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
Applicable Contract that was not entered into in the Ordinary Course of
Business and that involves expenditures or receipts of First Kansas or any
First Kansas Subsidiary in excess of $30,000;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
Applicable Contract not referred to elsewhere in this Section&nbsp;which:</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; relates to the future purchase of
goods or services in excess of the requirements of its respective business at
current levels or for normal operating purposes;</font></h4>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">27</font></p>


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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(ii)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; materially affect the business or
financial condition of First Kansas or any First Kansas Subsidiary;</font></h4>

<h4 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h4>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
lease, rental, license, installment and conditional sale agreement and other
Applicable Contract affecting the ownership of, leasing of, title to or use of
any personal property having a value per item or requiring payments in excess
of $30,000, or with terms of
more than one year;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
licensing agreement or other Applicable Contract with respect to patents,
trademarks, copyrights, or other intellectual property (collectively, &#147;<b><font style="font-weight:bold;">Intellectual
Property Assets</font></b>&#148;), including agreements with current or former
employees, consultants or contractors regarding the appropriation or the
non-disclosure of any of the Intellectual Property Assets of First Kansas or
any First Kansas Subsidiary;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
collective bargaining agreement and other Applicable Contract to or with any
labor union or other employee representative of a group of employees;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
joint venture, partnership and other Applicable Contract (however named)
involving a sharing of profits, losses, costs or liabilities by First Kansas or
any First Kansas Subsidiary with any other Person;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(j)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
Applicable Contract containing covenants that in any way purport to restrict
the business activity of First Kansas or any First Kansas Subsidiary or any
Affiliate of any of the foregoing, or limit the ability of First Kansas or any
First Kansas Subsidiary or any Affiliate of any of the foregoing to engage in
any line of business or to compete with any Person;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(k)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
Applicable Contract providing for payments to or by any Person based on sales,
purchases or profits, other than direct payments for goods;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(l)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the
name and annual salary of each officer and board fees of each director of First
Kansas and each First Kansas Subsidiary, and the profit sharing, bonus or other
form of compensation (other than salary) paid or payable by First Kansas, each
First Kansas Subsidiary or a combination of any of them to or for the benefit
of each such person in question for the years ended December&nbsp;31, 2002 and
2001, and for the current fiscal year of First Kansas, and any employment
agreement, consulting agreement, non-competition, severance or change in
control agreement or other similar arrangement or plan with respect to each
such person, and the amount of the benefits payable under any supplemental
executive retirement plan and the funding status thereof;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(m)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
profit sharing, group insurance, hospitalization, stock option, pension,
retirement, bonus, employment, severance, change in control, deferred
compensation, stock bonus, stock purchase or other employee welfare or benefit
agreements, plans or arrangements established, maintained, sponsored or
undertaken by First Kansas or any First Kansas Subsidiary for the benefit of
the officers, directors or employees of First Kansas or any First Kansas
Subsidiary, including each trust or other agreement with any custodian or any
trustee for funds held under any such agreement, plan or arrangement, and all
other Contracts or</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">28</font></p>


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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">arrangements under which pensions, deferred compensation or other
retirement benefits are being paid or may become payable by First Kansas or any
First Kansas Subsidiary for the benefit of the employees or directors of First
Kansas or any First Kansas Subsidiary (collectively, the &#147;<b><font style="font-weight:bold;">First Kansas Employee Benefit Plans</font></b>&#148;),
and, in respect to any of them, the latest three&nbsp;(3) reports or forms, if
any, filed with the Department of Labor and Pension Benefit Guaranty
Corporation under the ERISA, the latest three&nbsp;(3) financial or actuarial
reports and any currently effective Internal Revenue Service private rulings or
determination letters obtained by or for the benefit of First Kansas or any
First Kansas Subsidiary;</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(n)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
Applicable Contract entered into other than in the Ordinary Course of Business
that contains or provides for an express undertaking by First Kansas or any
First Kansas Subsidiary to be responsible for consequential damages;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(o)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
Applicable Contract for capital expenditures in excess of $30,000 or all Applicable Contracts for
all capital expenditures which in the aggregate require payments in excess of $60,000; and</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(p)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; the
name of each Person who is or would be entitled pursuant to any Contract or
First Kansas Employee Benefit Plan to receive any payment from First Kansas or
any First Kansas Subsidiary as a result of the consummation of the Contemplated
Transactions (including any payment that is or would be due as a result of any actual
or constructive termination of a Person&#146;s employment or position following such
consummation) and the maximum amount of such payment;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(q)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; each
amendment, supplement and modification (whether oral or written) in respect of
any of the foregoing.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Copies of each document,
plan or Contract listed and described in <b><font style="font-weight:bold;">Schedule&nbsp;4.18 of the First Kansas Book of
Schedules</font></b> are appended to such Schedule.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.19&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>No Defaults</u></font></b>.&#160; Except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.19 of the First Kansas
Book of Schedules</font></b>, each Contract identified or required to be
identified in <b><font style="font-weight:bold;">Schedule&nbsp;4.18 of the First Kansas Book of Schedules</font></b> is in
full force and effect in all material respects and is valid and enforceable in
accordance with its terms, except as may be limited by any bankruptcy,
insolvency, moratorium or by the exercise of judicial discretion.&#160; First Kansas and each First Kansas
Subsidiary is, and at all times since January&nbsp;1, 2000, has been, in full
compliance with all applicable terms and requirements of each Contract under which
First Kansas or any First Kansas Subsidiary has or had any obligation or
liability or by which First Kansas or any First Kansas Subsidiary or any of
their respective assets owned or used by them is or was bound, except where any
such failure to be in full compliance did not have or would reasonably be
expected not to have a Material Adverse Effect on First Kansas on a
consolidated basis.&#160; Each other Person
that has or had any obligation or liability under any such Contract under which
First Kansas or any First Kansas Subsidiary has or had any rights is, and at
all times since January&nbsp;1, 2000, has been, to the Knowledge of First
Kansas, in compliance with applicable terms and requirements of such Contract
in all material respects.&#160; No event has
occurred or circumstance exists that (with or without notice or lapse of time)
may contravene, conflict with or result in a violation or breach</h2>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">29</font></p>


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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">of, or give First Kansas, any First Kansas Subsidiary or other Person
the right to declare a default or exercise any remedy under, or to accelerate
the maturity or performance of, or to cancel, terminate or modify, any material
Applicable Contract.&#160; Except in the
Ordinary Course of Business with respect to loans made by Bank, neither First
Kansas nor any First Kansas Subsidiary has given to or received from any other
Person, at any time since January&nbsp;1, 2000, any notice or other
communication (whether oral or written) regarding any actual, alleged, possible
or potential material violation or breach of, or default under, any
Contract.&#160; Other than in the Ordinary
Course of Business in connection with workouts and restructured loans, there
are no renegotiations of, attempts to renegotiate or outstanding rights to
renegotiate any material amounts paid or payable to First Kansas or any First
Kansas Subsidiary under current or completed Contracts with any Person, and no
such Person has made written demand for such renegotiation.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.20&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Insurance</u></font></b>.&#160; <b><font style="font-weight:bold;">Schedule&nbsp;4.20 of the First Kansas Book of
Schedules</font></b> lists the policies of insurance (including bankers blanket
bond and insurance providing benefits for employees) owned or held by First
Kansas or any First Kansas Subsidiary on the date hereof.&#160; Each policy is in full force and effect
(except for any expiring policy that is replaced by coverage at least as
extensive) until the Closing.&#160; All
premiums due on such policies have been paid in full.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.21&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Compliance with Environmental Laws</u></font></b>.&#160; Except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.21 of the First Kansas
Book of Schedules</font></b> and except for any of the following that did not
have or would not reasonably be expected to have a Material Adverse Effect on
First Kansas and the First Kansas Subsidiaries on a consolidated basis, there
are no actions, suits, investigations, liabilities, inquiries, Proceedings or
Orders involving First Kansas or any First Kansas Subsidiary or any of their
respective assets that are pending or, to the Knowledge of First Kansas,
Threatened, nor to the Knowledge of First Kansas is there any factual basis for
any of the foregoing, as a result of any asserted failure of First Kansas or
any First Kansas Subsidiary, or any predecessor thereof, to comply with any
federal, state, county and municipal law, including any statute, regulation,
rule, ordinance, Order, restriction and requirement, relating to underground
storage tanks, petroleum products, air pollutants, water pollutants or process
waste water or otherwise relating to the environment or toxic or hazardous
substances or to the manufacture, processing, distribution, use, recycling,
generation, treatment, handling, storage, disposal or transport of any
hazardous or toxic substances or petroleum products (including polychlorinated
biphenyls, whether contained or uncontained, and asbestos-containing materials,
whether friable or not), including, the Federal Solid Waste Disposal Act, the
Hazardous and Solid Waste Amendments, the Federal Clean Air Act, the Federal
Clean Water Act, the Occupational Health and Safety Act, the Federal Resource
Conservation and Recovery Act, the Toxic Substances Control Act, the Federal
Comprehensive Environmental Response, Compensation and Liability Act of 1980
and the Superfund Amendments and Reauthorization Act of 1986, all as amended,
and regulations of the Environmental Protection Agency, the Nuclear Regulatory
Agency and any state department of natural resources or state environmental
protection agency now or at any time hereafter in effect (collectively, the
&#147;Environmental Laws&#148;).&#160; No environmental
clearances or other governmental approvals are required for the conduct of the
business of First Kansas or any First Kansas Subsidiary or the consummation of
the Contemplated Transactions.&#160; To the
Knowledge of First Kansas, neither First Kansas nor any First Kansas Subsidiary
is the owner of any interest in real estate on which any substances have</h2>

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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">30</font></p>


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</font></div>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">been used, stored, deposited, treated, recycled or disposed of, which
substances if known to be present on, at or under such property, would require
clean-up, removal or some other remedial action under any Environmental Law.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.22&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Regulatory Filings</u></font></b>.&#160; First Kansas and each First Kansas
Subsidiary has filed in a timely manner all required filings with all proper
Regulatory Authorities, including:&#160; (a)&nbsp;the
SEC; and (b)&nbsp;the OTS.&#160; To the
Knowledge of First Kansas, all filings with such federal and state regulatory
agencies were accurate and complete in all material respects as of the dates of
the filings, and no such filing has made any untrue statement of a material
fact or omitted to state a material fact necessary in order to make the
statements made, in the light of the circumstances under which they were made,
not misleading.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.23&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Agency and Custodial Accounts</u></font></b>.&#160; Each First Kansas Subsidiary has properly
administered all accounts for which it acts as fiduciary, agent, custodian or
investment advisor, in accordance with the terms of the governing documents and
applicable Legal Requirements and common law.&#160;
No First Kansas Subsidiary or any of its respective directors, officers
or employees has committed any breach of trust with respect to any such
account, and the accountings for each such account are true and correct in all
material respects and accurately reflect the assets of such account.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.24&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Disclosure</u></font></b>.&#160; No representation or warranty made in this
Agreement by First Kansas contains any untrue statement of a material fact, or
omits to state a material fact necessary to make the statements contained
herein under the circumstances under which they were made not misleading.&#160; Except as and to the extent reflected or
reserved against in First Kansas&#146;s audited financial statements for the year
ended December&nbsp;31, 2002, or the Subsequent First Kansas Financial
Statements, neither First Kansas nor any First Kansas Subsidiary has, and with
respect to the Subsequent First Kansas Financial Statements will not have, any
liabilities or obligations, of any nature, secured or unsecured, (whether accrued,
absolute, contingent or otherwise) including, any Tax liabilities due or to
become due, which would reasonably be expected to have a Material Adverse
Effect on First Kansas.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.25&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Brokerage Commissions</u></font></b>.&#160; Except as set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.25 of the First Kansas
Book of Schedules</font></b>, none of First Kansas or any First Kansas
Subsidiary or any of their respective Representatives has incurred any
obligation or liability, contingent or otherwise, for brokerage or finders&#146;
fees or agents&#146; commissions or other similar payment in connection with this
Agreement.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;4.26&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Delays</u></font></b>.&#160; To the Knowledge of First Kansas, there is
no reason why the granting of any of the regulatory approvals referred to in <b><font style="font-weight:bold;">Section&nbsp;8.1</font></b> would be denied, unduly
delayed or otherwise unavailable.&#160; The
most recent regulatory rating given to Bank as to compliance with the Community
Reinvestment Act (&#147;CRA&#148;) is satisfactory or better.</h2>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;5</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">REPRESENTATIONS AND WARRANTIES OF ACQUIROR AND ACQUISITION
CORP</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Acquiror
and Acquisition Corp hereby represent and warrant to First Kansas that the
following are true and correct as of the date hereof, and will be true and
correct as of the Effective Date:</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Organization</u></font></b>.&#160; Each of Acquiror, Acquisition Corp and
Landmark Bank:&#160; (a)&nbsp;is an entity
duly organized, validly existing and in good standing under the laws of the
State of Delaware, the State of Kansas or the United States of America,
respectively, and is also in good standing in each other jurisdiction in which
the nature of the business conducted or the properties or assets owned or
leased by it makes such qualification necessary; and (b)&nbsp;has full power
and authority, corporate and otherwise, to own, operate and lease its properties
as presently owned, operated and leased, and to carry on its business as it is
now being conducted, except where the failure to be so qualified or to have
such power and authority would not have a Material Adverse Effect on Acquiror
on a consolidated basis.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Authorization</u></font></b>.&#160; Acquiror and Acquisition Corp each has the
requisite corporate power and authority to enter into and perform its
respective obligations under this Agreement and the execution, delivery and
performance of this Agreement by each of Acquiror and Acquisition Corp and the
consummation by each of them of the transactions contemplated thereby, have
been duly authorized by all necessary corporate action.&#160; This Agreement constitutes a legal, valid
and binding obligation of each of Acquiror and Acquisition Corp enforceable in
accordance with its terms except as such enforcement may be limited by
bankruptcy, insolvency, reorganization or other similar laws and subject to
general principles of equity.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>No Conflict</u>.</font></b>&#160; Neither the execution nor delivery of this
Agreement nor the consummation or performance of any of the Contemplated
Transactions will, directly or indirectly (with or without notice or lapse of
time):&#160; (a)&nbsp;contravene, conflict
with or result in a violation of any provision of the certificate or articles
of incorporation, charter, bylaws or any resolution adopted by the board of
directors or stockholders of, Acquiror or any Acquiror Subsidiary; (b)&nbsp;contravene,
conflict with or result in a violation of any Legal Requirement or any Order to
which Acquiror or any Acquiror Subsidiary, or any of the assets that are owned
or used by them, may be subject, other than any of the foregoing that would be
satisfied by compliance with the provisions of the Bank Holding Company Act of
1956, as amended (the &#147;<b><font style="font-weight:bold;">BHCA</font></b>&#148;), the Securities Act, the Exchange
Act, the National Bank Act and the DGCL; and (c)&nbsp;contravene, conflict with
or result in a violation or breach of any provision of, or give any Person the
right to declare a default or exercise any remedy under, or to accelerate the
maturity or performance of, or to cancel, terminate or modify any material
Applicable Contract to which Acquiror or any Acquiror Subsidiary is a party or
by which any of their respective assets is bound; or (d)&nbsp;result in the
creation of any lien, charge or encumbrance upon, or with respect to, any of
the assets owned or used by Acquiror or any Acquiror Subsidiary.&#160; Except as otherwise provided in this
Agreement, neither Acquiror nor any Acquiror Subsidiary is or will be required
to give any notice to, or obtain any consent from, any Person in connection
with the execution and delivery of this Agreement or the consummation or
performance of any of the Contemplated Transactions.</h2>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Acquiror SEC Documents</u>.</font></b>&#160; Since
January&nbsp;1, 2002, Acquiror has timely filed all Acquiror SEC Documents and
all such Acquiror SEC Documents have complied in all material respects, as of
their respective filing dates and effective dates, as the case may be, with all
applicable requirements of the Exchange Act.&#160;
As of their respective filing dates, none of the Acquiror SEC Documents
contained an untrue statement of a material fact or omitted to state a material
fact required to be stated therein or necessary in order to make the statements
therein, in light of the circumstances under which they were made, not
misleading.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Undisclosed Liabilities; Adverse
Changes</u>.</font></b>&#160; Neither
Acquiror nor any Acquiror Subsidiary has any material liabilities or
obligations of any nature (whether known or unknown and whether absolute,
accrued, contingent or otherwise), except for liabilities or obligations
reflected or reserved against in the Acquiror SEC Documents, current
liabilities incurred in the Ordinary Course of Business since the respective
dates thereof and other liabilities or obligations that in the aggregate would
not reasonably be expected to have a Material Adverse Effect on Acquiror on a
consolidated basis.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Legal Proceedings; Orders</u></font></b>.&#160; Except as disclosed in the Acquiror SEC
Documents, there have been no Proceedings or Orders pending, entered into or,
to the Knowledge of Acquiror, Threatened against, affecting or involving
Acquiror or any Acquiror Subsidiary or any of their respective assets or
businesses, or the Contemplated Transactions, since January&nbsp;1, 2002, that
had, or would reasonably be expected to have, a Material Adverse Effect on
Acquiror on a consolidated basis or that would impair Acquiror&#146;s ability to
consummate any of the Contemplated Transactions, and there is no fact to
Acquiror&#146;s Knowledge that would provide a basis for any other Proceeding or
Order involving Acquiror or any Acquiror Subsidiary, or any of its respective
officers or directors in their capacities as such, or its assets, business or
goodwill that would reasonably be expected to have a Material Adverse Effect on
Acquiror or that would impair Acquiror&#146;s ability to consummate any of the
Contemplated Transactions.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Disclosure</u></font></b>.&#160; No representation or warranty made in this
Agreement by Acquiror contains any untrue statement of a material fact, or
omits to state a material fact necessary to make the statements contained
herein under the circumstances under which they were made not misleading.&#160; Except as and to the extent reflected or
reserved against in Acquiror&#146;s audited financial statements for the year ended
December&nbsp;31, 2002, or the Acquiror&#146;s subsequent financial statements, as
filed with the SEC, neither Acquiror nor any Acquiror Subsidiary has, and with
respect to the Acquiror&#146;s subsequent financial statements , as filed with the
SEC, will not have, any liabilities or obligations, of any nature, secured or
unsecured, (whether accrued, absolute, contingent or otherwise) including, any
Tax liabilities due or to become due, which would reasonably be expected to
have a Material Adverse Effect on Acquiror.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Delays</u>.</font></b>&#160; To the Knowledge of Acquiror, there is no
reason why the granting of any of the regulatory approvals referred to in <b><font style="font-weight:bold;">Section&nbsp;8.1</font></b>
would be denied, unduly delayed or otherwise unavailable.&#160; The most recent regulatory rating given to
Landmark Bank as to compliance with the CRA is satisfactory or better.</h2>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;5.9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Financial Resources</u></font></b>.&#160; Acquiror has, or will have prior to the
Effective Time, sufficient funds and capital to perform its obligations under
this Agreement.&#160; Acquiror and each
Acquiror Subsidiary are, and will be immediately following the Merger, in
material compliance with all applicable capital, debt and financial regulations
of state and federal banking agencies having jurisdiction over them.&#160; Each Acquiror Subsidiary is, and will be
immediately following the Merger, at least &#147;adequately capitalized&#148; as such
term is defined in the rules and regulations promulgated by the FDIC, as
applicable.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;6</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">COVENANTS OF FIRST KANSAS</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">From and after the date
hereof and until the Effective Time, First Kansas hereby covenants and agrees
with Acquiror as follows:</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Information, Access and
Confidentiality</u></font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon
providing reasonable notice, Acquiror and its Representatives shall, at all
times during normal business hours prior to the Closing Date, have full and
continuing access to the facilities, operations, records and properties of
First Kansas and each First Kansas Subsidiary.&#160;
Acquiror and its Representatives may, prior to the Closing Date, make or
cause to be made such reasonable investigation of the operations, records and
properties of First Kansas and each First Kansas Subsidiary, including
observation of any audit of, and examination of any audit work papers with
respect to, First Kansas or any First Kansas Subsidiary, and of its and their
financial and legal condition as Acquiror shall deem necessary or advisable to
familiarize itself with such records, properties and other matters; provided,
that such access or investigation shall not interfere unnecessarily with the
normal operations of First Kansas or any of the First Kansas Subsidiary.&#160; Upon request, First Kansas and each First
Kansas Subsidiary will furnish Acquiror or its Representatives its attorneys&#146;
responses to auditors&#146; requests for information and such financial and
operating data and other information reasonably requested by Acquiror developed
by First Kansas or any First Kansas Subsidiary, its auditors, accountants or
attorneys (<i><font style="font-style:italic;">provided</font></i>
with respect to attorneys, such disclosure shall be limited to information that
would not result in the waiver by First Kansas or any First Kansas Subsidiary
of any claim of attorney-client privilege), and will permit Acquiror or its
Representatives to discuss such information directly with any individual or
firm performing auditing or accounting functions for First Kansas or any First
Kansas Subsidiary, and such auditors and accountants shall be directed to
furnish copies of any reports or financial information as developed to Acquiror
or its Representatives.&#160; No
investigation by Acquiror shall affect the representations and warranties made
by First Kansas.&#160; This
Section&nbsp;shall not require the disclosure of any information the disclosure
of which to Acquiror would be prohibited by law.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; First
Kansas shall allow a representative of Acquiror to attend as an observer all
meetings of the board of directors and committees of the board of directors of
First Kansas and any First Kansas Subsidiary and any meeting of the loan
committee and asset liability management committee of First Kansas or any First
Kansas Subsidiary.&#160; First Kansas shall
give reasonable notice to Acquiror of any such meeting and, if known, the
agenda for or business to</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">be discussed at such meeting.&#160;
First Kansas shall provide to Acquiror all information provided to the
directors on all such boards in connection with all such meetings or otherwise
provided to the directors, and shall provide any other financial reports or
other analysis prepared for senior management of First Kansas or any First
Kansas Subsidiary, in each case excluding information which is privileged or is
subject to any restriction on disclosure.&#160;
It is understood by the parties that Acquiror&#146;s representative will not
have any voting rights with respect to matters discussed at these meetings and
that Acquiror is not managing the business or affairs of First Kansas or any
First Kansas Subsidiary.&#160; All
information obtained by Acquiror at these meetings shall be treated in
confidence as provided in <b><font style="font-weight:bold;">Section&nbsp;6.1(c)</font></b>
hereof.&#160; Notwithstanding the foregoing,
Acquiror shall not be permitted to attend any portion of a meeting and First
Kansas shall not be required to provide Acquiror with any materials, in
violation of applicable law or that relates to a Competing First Kansas
Proposal (except for information to be provided as required by <b><font style="font-weight:bold;">Section&nbsp;6.13</font></b> hereof), or that involve
matters protected by the attorney-client privilege.</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Any
confidential information or trade secrets received by First Kansas, its
employees or agents in the course of the consummation of the Contemplated Transactions
shall be treated confidentially, and any correspondence, memoranda, records,
copies, documents and electronic or other media of any kind containing either
such confidential information, or trade secrets or both shall be destroyed by
First Kansas or, at Acquiror&#146;s request, returned to Acquiror in the event this
Agreement is terminated as provided in <b><font style="font-weight:bold;">Article&nbsp;11</font></b>.&#160; Such information shall not be used by First Kansas or its agents
to the detriment of Acquiror or any Acquiror Subsidiary.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Any
confidential information or trade secrets received by Acquiror, its employees
or agents in the course of the consummation of the Contemplated Transactions
shall be treated confidentially, and any correspondence, memoranda, records,
copies, documents and electronic or other media of any kind containing either
such confidential information, or trade secrets or both shall be destroyed by
Acquiror or, at First Kansas&#146; request, returned to First Kansas in the event
this Agreement is terminated as provided in <b><font style="font-weight:bold;">Article&nbsp;11</font></b>.&#160; Such information shall not be used by
Acquiror or its agents to the detriment of First Kansas or any First Kansas
Subsidiary.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Carry on in Regular Course</u></font></b>.&#160; First Kansas and each First Kansas
Subsidiary shall carry on its business diligently and substantially in the same
manner as is presently being conducted and shall not make or institute any
unusual or material change in its methods of doing business without the prior
written consent of Acquiror.&#160; First
Kansas shall, and shall also cause each First Kansas Subsidiary to, unless
otherwise consented to in writing in advance by Acquiror:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; conduct
its business only in the Ordinary Course of Business;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; use
its Best Efforts to preserve intact its current business organization, keep
available the services of its current officers, employees and agents, and
maintain the relations and goodwill with its suppliers, customers, landlords,
creditors, employees, agents and others having business relationships with it;</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; confer
and consult with Acquiror concerning operational matters of a material nature,
any sales of investment securities or loans that were not originated with the
intent to sell, and any changes or revisions to the asset-liability management
of Bank;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; enter
into loan transactions only in accordance with sound credit practices and only
on terms and conditions which are not materially more favorable than those
available to the borrower from competitive sources in transactions in the
ordinary course of business and consistent with prudent banking practices and
policies and regulations of applicable regulatory authorities, and in that
connection, First Kansas will consult and discuss with Acquiror all new credits
or new lending relationships, or extensions or renewals of any existing credit
relationships, approved in excess of $500,000
to any Person or Persons and his, her or their Affiliates from the date
hereof to the Effective Time;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; consistent
with past practice, maintain a reserve for probable loan and lease losses that
is adequate in all material respects to provide for probable losses, net of
recoveries relating to loans previously charged off, on loans outstanding
(including accrued interest receivable);</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; maintain
all of its assets necessary for the conduct of its business in good operating
condition and repair, reasonable wear and tear and damage by fire or
unavoidable casualty excepted, and maintain policies of insurance upon its
assets and with respect to the conduct of its business in amounts and kinds
comparable to that in effect on the date hereof and pay all premiums on such
policies when due;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; file
in a timely manner all required filings with all Regulatory Authorities and
cause such filings to be true and correct in all material respects;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; maintain
its books, accounts and records in the usual, regular and ordinary manner, on a
basis consistent with prior years and comply with all Legal Requirements; and</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(i)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; pay
employees and directors salaries, bonuses, fees or any other compensation in
amounts no greater than that which was payable in the ordinary course prior to
the Effective Time and provided that any bonus payable shall be in an amount no
greater than that which was paid to the employee in 2002 and if the employee
was not employed in 2002, an amount no greater than the amount received by a
similarly situated comparable employee, <i><font style="font-style:italic;">provided,
however</font></i>, that no employee shall receive a bonus prior to the
Effective Time if the employee is covered by a written employment or severance
agreement set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.18 of
the First Kansas Book of Schedules</font></b>.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">With respect to any
written request by First Kansas for Acquiror&#146;s consent to any non-permitted
action of First Kansas or any First Kansas Subsidiary described in this
Section, First Kansas shall be entitled to conclusively presume Acquiror has
consented to any such action unless First Kansas shall have received Acquiror&#146;s
written objection to such action within three&nbsp;(3) Business Days of the
date of Acquiror&#146;s receipt of such written request.</font></p>

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<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Negative Covenants</u>.</font></b>&#160; Except as otherwise provided by this
Agreement, between the date of this Agreement and the Closing Date, First
Kansas will not, and will cause each First Kansas Subsidiary not to, without
the prior written consent of Acquiror, take any affirmative action, or fail to
take any reasonable action within its control, as a result of which any of the
changes or events listed in <b><font style="font-weight:bold;">Section&nbsp;4.17</font></b> is likely to occur.&#160; With respect to any written request by First
Kansas for Acquiror&#146;s consent to any non-permitted action of First Kansas or
any First Kansas Subsidiary described in this Section, First Kansas shall be
entitled to conclusively presume Acquiror has consented to any such action
unless First Kansas shall have received Acquiror&#146;s written objection to such
action within three&nbsp;(3) Business Days of the date of Acquiror&#146;s receipt of
such written request.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Dividends</u></font></b>.&#160; Notwithstanding anything contained herein to
the contrary, First Kansas may declare and pay to its stockholders one cash
dividend not to exceed five cents ($0.05) per share of First Kansas Common
Stock, in the fourth quarter of 2003.&#160;
First Kansas shall not declare, pay or make any other dividend or other
distribution or payment in respect of, or redemption of, shares of First Kansas
Common Stock.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Subsequent First Kansas Financial
Statements</u></font></b>.&#160; As
soon as available after the date hereof, First Kansas will furnish Acquiror
copies of:&#160; (a)&nbsp;each filing made by
First Kansas with the SEC; (b)&nbsp;the monthly unaudited balance sheets and
profit and loss statements of First Kansas on a consolidated basis, and Bank on
a stand-alone basis, prepared in each case for First Kansas&#146;s internal use, (c)&nbsp;the
TFRs of Bank for each quarterly period completed after the date of this
Agreement and prior to the Effective Time; and (d)&nbsp;all other financial
reports or statements submitted by First Kansas or any First Kansas Subsidiary
to Regulatory Authorities after the date hereof, to the extent permitted by law
(collectively, the &#147;<b><font style="font-weight:bold;">Subsequent First Kansas Financial Statements</font></b>&#148;).&#160; The Subsequent First Kansas Financial
Statements shall be prepared on a basis consistent with past accounting practices
and shall fairly present in all material respects the financial condition and
results of operations for the dates and periods presented, subject in the case
of unaudited financial statements to year-end audit adjustments (which changes
in the aggregate would not reasonably be expected to be materially
adverse).&#160; The Subsequent First Kansas
Financial Statements will not include any material assets or omit to state any
material liabilities, absolute or contingent, or other facts, which inclusion
or omission would render such financial statements misleading in any material
respect.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Advice of Changes</u>.</font></b>&#160; Between the date of this Agreement and the
Closing Date, First Kansas will promptly notify Acquiror in writing if First
Kansas or any First Kansas Subsidiary becomes aware of any fact or condition
that causes or constitutes a Breach of any of First Kansas&#146;s representations
and warranties as of the date of this Agreement, or if First Kansas or any
First Kansas Subsidiary becomes aware of the occurrence after the date of this
Agreement of any fact or condition that would (except as expressly contemplated
by this Agreement) cause or constitute a Breach of any such representation or
warranty had such representation or warranty been made as of the time of
occurrence or discovery of such fact or condition.&#160; If any such fact or condition would require any change in the
Schedules if such Schedules were dated the date of the occurrence or discovery
of any such fact or condition, First Kansas will promptly deliver to Acquiror a
supplement to the Schedules specifying such change, <i><font style="font-style:italic;">provided, however</font></i>, that
receipt of notice of such facts after the date of this Agreement shall have no
effect on the truth and</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">accuracy of the representations and warranties made in this Agreement
and the delivery of any such updated Schedule&nbsp;shall not in itself be
sufficient to cure any prior Breach.&#160;
During the same period, First Kansas will promptly notify Acquiror of
the occurrence of any Breach of any covenant of First Kansas in this
Article&nbsp;or of the occurrence of any event that might reasonably be
expected to make the satisfaction of the conditions in <b><font style="font-weight:bold;">Article&nbsp;8</font></b> impossible or
unlikely.&#160; First Kansas shall also
provide to Acquiror copies of each written communication sent to its
stockholders between the date of this Agreement and the Closing Date.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Stockholders&#146; Meeting</u>.</font></b>&#160; First Kansas will take all steps necessary
to duly call, give notice of, convene and hold a meeting of its stockholders,
as soon as practicable, but in no event later than sixty (60) days following
the SEC&#146;s clearance of First Kansas&#146;s Proxy Statement, for the purpose of
obtaining stockholder approval of this Agreement and the Merger (the &#147;<b><font style="font-weight:bold;">Special
Meeting</font></b>&#148;).&#160; Notwithstanding
anything to the contrary herein, First Kansas shall be under no obligation to
call its Special Meeting and mail the Proxy Statement until such time that the
parties have agreed, in writing, upon a course of action for the remediation of
any environmental condition pursuant to <b><font style="font-weight:bold;">Section&nbsp;6.10(b)
</font></b>or have agreed, in writing, that no such remediation is necessary.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Proxy Statement</u></font></b>.&#160; First Kansas will take all reasonable steps necessary to submit
the Proxy Statement to the SEC within forty (40) days after the date of this
Agreement.&#160; The Proxy Statement will
satisfy all requirements of the Exchange Act and the rules and regulations
promulgated thereunder and will include a recommendation, subject to its
fiduciary duties, by the board of directors of First Kansas that the
stockholders of First Kansas approve this Agreement and the Merger.&#160; First Kansas and its Representatives shall
solicit proxies from the stockholders of First Kansas.&#160; First Kansas shall deliver a draft of the
Proxy Statement to Acquiror and its counsel at least five (5) Business Days
prior to the filing of such draft with the SEC, and shall provide Acquiror with
summaries of any material oral communications with the SEC, and copies of all
responses or other written communications from the SEC, relating to the Proxy
Statement.&#160; First Kansas shall further
deliver a draft of the Proxy Statement to Acquiror and its counsel at least
five (5) Business Days prior to its mailing by First Kansas to its
stockholders.<b><font style="font-weight:bold;">&#160; </font></b>The Proxy Statement
shall not be mailed to the holders of First Kansas Common Stock until Trident
Securities, Inc. has delivered to the board of directors of First Kansas for
inclusion in the Proxy Statement a fairness opinion (the &#147;<b><font style="font-weight:bold;">Fairness Opinion</font></b>&#148;), dated
within five (5) Business Days of the date of mailing, to the effect that the
Total Purchase Price is fair to the stockholders of First Kansas from a
financial point of view, which opinion shall be in standard industry form with
respect to transactions of this nature.&#160;
First Kansas shall send the Proxy Statement to its stockholders at least
thirty (30) days prior to the Special Meeting.&#160;
Along with such notice, First Kansas shall include a copy of this
Agreement and a copy of Section&nbsp;17-6712 of the Kansas Code governing the
procedures required to be met by dissenting stockholders.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Information Provided to Acquiror</u>.</font></b>&#160; First Kansas agrees that none of the
information concerning First Kansas or any First Kansas Subsidiary that is
provided or to be provided by First Kansas to Acquiror for inclusion or that is
included in the Proxy Statement and any other documents to be filed with any
Regulatory Authority in connection with the Contemplated Transactions will, at
the respective times such documents are filed and, with respect to the Proxy
Statement, when mailed, be false or misleading with respect to any material
fact, or</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">omit to state any material fact necessary in order to make the
statements therein not misleading or, in the case of the Proxy Statement, or
any amendment thereof or supplement thereto, at the time of the meeting of
First Kansas&#146;s stockholders referred to above, be false or misleading with
respect to any material fact, or omit to state any material fact necessary to
correct any statement in any earlier communication with respect to the
solicitation of any proxy for the meeting in connection with which the Proxy
Statement shall be mailed.&#160;
Notwithstanding the foregoing, First Kansas shall have no responsibility
for the truth or accuracy of any information with respect to Acquiror or any
Acquiror Subsidiary or any of their Affiliates contained in the Proxy Statement
or in any document submitted to, or other communication with, any Regulatory Authority.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.10&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Environmental Investigation</u></font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Acquiror
may in its discretion, within thirty (30) Business Days of the date of this
Agreement, retain at its own expense an independent professional consultant to
perform an environmental site assessment and render to Acquiror a report (an &#147;<b><font style="font-weight:bold;">Environmental
Report</font></b>&#148;) to determine if any real property in which First Kansas
holds any interest contains or gives evidence that any violations of
Environmental Laws have occurred on any such property.&#160; Neither Acquiror nor its independent
professional consultant shall enter upon any such real property in which First
Kansas or any First Kansas Subsidiary holds only a mortgagee&#146;s interest without
the prior permission of First Kansas and the Person in possession thereof.&#160; First Kansas shall not withhold such
permission unreasonably, and shall use all reasonable efforts to obtain such
permission for Acquiror from the Person in possession of any such mortgaged
real property for which Acquiror desires its independent professional
consultant to conduct a site assessment.&#160;
Acquiror shall have no duty to act upon any information produced by such
reviews or investigations with or for the benefit of First Kansas, any First
Kansas Subsidiary or any other Person, but shall provide such information to
First Kansas as soon as practicable after such information becomes available to
Acquiror.&#160; If the Environmental Report
discloses any adverse environmental conditions, or reports a reasonable suspicion
thereof, Acquiror and First Kansas shall, within fifteen (15) Business Days of
such determination, obtain from one or more mutually acceptable consultants or
contractors, as appropriate (the &#147;<b><font style="font-weight:bold;">Remediation Expert</font></b>&#148;), an estimate of the
cost of any remediation or other follow-up work that may be necessary to
address those conditions in accordance with applicable laws and regulations.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Upon
receipt of the estimate of the costs of all follow-up work to the Environmental
Report or any subsequent investigation phases that may be conducted, Acquiror
and First Kansas shall attempt to agree upon a course of action for further
investigation and remediation of any environmental condition suspected, found
to exist, or that would tend to be indicated by the Environmental Report.&#160; The estimated total cost for completing all
necessary work plans or removal or remediation actions is referred to
collectively as the &#147;<b><font style="font-weight:bold;">Remediation Cost.</font></b>&#148;&#160; If the Remediation Cost exceeds One Hundred
Thousand Dollars ($100,000) then the parties shall adjust the Purchase Price Per
Share as provided in <b><font style="font-weight:bold;">Article&nbsp;3</font></b>.&#160; If the Remediation Cost exceeds Five Hundred
Thousand Dollars ($500,000), Acquiror or First Kansas may, at its sole option,
terminate this Agreement.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.11&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></b><b><u><font style="font-weight:bold;">Title Reports</font></u></b>.&#160; By no later than forty-five&nbsp;(45) days after
the date of this Agreement, First Kansas shall obtain at its own expense and
deliver to Acquiror an owner&#146;s</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">preliminary report of title covering a date subsequent to the date
hereof, issued by Chicago Title Insurance Company or such other title insurance
company as is reasonably acceptable to Acquiror with respect to all real
property owned by First Kansas or any First Kansas Subsidiary (the &#147;<b><font style="font-weight:bold;">First Kansas Real Property</font></b>&#148;), showing fee
simple title in First Kansas or a First Kansas Subsidiary, and in each case,
subject only to:&#160; (a)&nbsp;minor defects
and irregularities in title and encumbrances which would not materially impair
the use thereof for the purposes for which they are held; and (b)&nbsp;those
exceptions set forth in <b><font style="font-weight:bold;">Schedule&nbsp;6.10 of the Acquiror Book of Schedules</font></b>,<b><font style="font-weight:bold;">  </font></b>except
that the following exceptions shall be removed at or before Closing:&#160; (i)&nbsp;standard exceptions that would be removed upon the delivery of a
satisfactory survey; (ii)&nbsp;taxes
and special assessments due and payable prior to or as of the Closing; (iii)&nbsp;all
mortgages and financing statements; and
(iv)&nbsp;rights of tenants
under unrecorded leases.&#160; On or before
the Closing Date, Acquiror shall deliver updated title commitments with respect
to the First Kansas Real Property and a receipt evidencing full payment for
title insurance policies to be issued as soon as practicable after the Closing
in accordance with such updated title commitments and in amounts of no less
than the book value of the First Kansas Real Property as shown on the First
Kansas Financial Statements.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.12&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Surveys</u>.</font></b>&#160; By no later than forty-five&nbsp;(45) days
after the date of this Agreement, First Kansas shall obtain at its own expense
and deliver to Acquiror a current ALTA survey of each parcel of First Kansas
Real Property disclosing no survey defects that would materially impair the use
thereof for the purposes for which it is held or materially impair the value of
such property.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.13&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Exclusivity</u></font></b>.&#160; Subject to its fiduciary duties and except
as otherwise set forth herein, none of First Kansas, any First Kansas
Subsidiary or any of their respective directors, officers, employees,
professional and financial advisors, representatives, agents and Affiliates
shall, directly or indirectly, make, encourage, facilitate, solicit, initiate
or assist any inquiries, proposals, offers or expressions of interest from, or
provide any nonpublic information or access to First Kansas&#146;s or any First
Kansas Subsidiary&#146;s premises to, or participate in any discussions or
negotiations with, any Person (other than Acquiror and its directors, officers,
employees, professional and financial advisors, representatives, agents and
Affiliates) concerning or relating to:&#160;
(a)&nbsp;any merger, sale of assets not in the Ordinary Course of
Business, acquisition, business combination, change of control or other similar
transaction involving First Kansas or any First Kansas Subsidiary, or (b)&nbsp;any
purchase or other acquisition by any Person of five percent (5%) or more of the
capital stock of First Kansas or of any capital stock of any First Kansas
Subsidiary, or (c)&nbsp;any issuance by any First Kansas Subsidiary of any
shares of its capital stock (collectively, a &#147;<b><font style="font-weight:bold;">Competing First Kansas Proposal</font></b>&#148;).&#160; First Kansas will promptly advise Acquiror
of, and communicate to Acquiror the terms and conditions of, and the identity
of the Person making, any Competing First Kansas Proposal, and will provide
summaries of any non-privileged communications with respect to such Competing
First Kansas Proposal.&#160; Upon the date of
this Agreement, First Kansas will terminate all discussions and negotiations
that it has heretofore engaged in or conducted with any other Person with
respect to any of the above, and will advise its directors, officers,
employees, professional and financial advisors, representatives, agents and
Affiliates to also terminate the same.&#160;
Notwithstanding the foregoing, First Kansas may engage in discussions or
negotiations with, furnish nonpublic information concerning First Kansas</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">and any First Kansas Subsidiary and their respective properties, assets
and business, and grant access to the facilities of First Kansas and any First
Kansas Subsidiary, to any Person that hereafter makes a Competing First Kansas
Proposal that was not directly or indirectly, after the date hereof, made,
encouraged, facilitated, solicited, initiated or assisted by First Kansas, any
First Kansas Subsidiary or any of their respective directors, officers,
employees, professional or financial advisors, representatives, agents or
Affiliates (an &#147;<b><font style="font-weight:bold;">Unsolicited First Kansas Proposal</font></b>&#148;), but only to the extent
that:&#160; (i)&nbsp;the board of directors
of First Kansas receives a written opinion from its independent financial
advisor that such proposal may be superior to the Contemplated Transactions
from a financial point of view to First Kansas&#146;s stockholders; (ii)&nbsp;First
Kansas&#146;s outside legal counsel advises First Kansas that the maker of the
Unsolicited First Kansas Proposal may legally acquire First Kansas and Bank;
(iii)&nbsp;First Kansas&#146;s board of directors, after consultation with its
outside legal counsel, determines in good faith that such action is necessary
for First Kansas&#146;s board of directors to comply with its fiduciary duties to
its stockholders under all applicable Legal Requirements; and (iv)&nbsp;prior
to furnishing such information to, or entering into discussions or negotiations
with, such Person, First Kansas provides reasonable notice to Acquiror to the
effect that it is furnishing information to, or entering into discussions or
negotiations with, such Person.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.14&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Best Efforts; Cooperation</u></font></b>.&#160; Subject to the terms and conditions of this
Agreement, First Kansas agrees to exercise good faith and use its Best Efforts
to satisfy the various covenants and conditions to Closing in <b><font style="font-weight:bold;">Articles&nbsp;8</font></b>
and <b><font style="font-weight:bold;">9</font></b>,
respectively, and to consummate the Contemplated Transactions as promptly as
possible.&#160; First Kansas will not
intentionally take or intentionally permit to be taken any action that would be
a Breach of the terms or provisions of this Agreement.&#160; Between the date of this Agreement and the
Closing Date, First Kansas will, and will cause each First Kansas Subsidiary and
all of the Affiliates and Representatives of First Kansas and each First Kansas
Subsidiary to, cooperate with Acquiror with respect to all filings that
Acquiror is required by Legal Requirements to make in connection with the
Contemplated Transactions.&#160; In case at
any time after the Effective Time any further action is necessary or desirable
to carry out the purposes of this Agreement or to vest Acquiror or the
Resulting Corporation with full title to all properties, assets, rights,
approvals, immunities and franchises of First Kansas, the proper officers and
directors of First Kansas shall take all such necessary action to vest Acquiror
or the Resulting Corporation with such rights.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.15&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>ESOP Loan</u></font></b>.&#160; From and after the date of this Agreement
through the Effective Time, First Kansas and/or the Bank shall make any further
contributions to the First Kansas ESOP only in accordance with First Kansas&#146;s
past practice.&#160; As of the Effective
Time, the ESOP shall terminate in accordance with its terms, as in effect on
the date of this Agreement.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.16&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Data and Item Processing Agreements</u></font></b>.&#160; First Kansas agrees to consult with Acquiror
prior to the entry by it or any First Kansas Subsidiary by either action or
inaction into any new, or any extension of any existing, data or item
processing agreements.&#160; First Kansas
agrees to coordinate with Acquiror the negotiation of any new or extension of
any existing data or item processing agreement with the purpose of achieving
the best possible economic and business result in light of the Bank Merger.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.17&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Accrual of Costs</u></font></b>.&#160; On or prior to the Closing Date, First
Kansas shall fully pay or accrue as may be required by GAAP:&#160; (a)&nbsp;the cost of any benefits or
contributions supplied</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">or made or to be supplied or made through the Effective Time under any
of the First Kansas Employee Benefit Plans; (b)&nbsp;the costs of any
corrective action to bring any such plans into compliance with applicable law;
(c)&nbsp;the aggregate cost of complying with any representation, warranty or
covenant of First Kansas set forth in this Agreement; and (d)&nbsp;all First
Kansas Transactional Expenses.&#160; For
purposes of the accruals made pursuant to this section, First Kansas shall
assume a tax rate of 34%.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.18&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Accounting and Other Adjustments</u>.&#160; </font></b>First Kansas agrees that
it shall, and shall cause Bank, to:&#160; (a)&nbsp;make
any accounting adjustments or entries to its books of account and other
financial records; (b)&nbsp;make additional provisions to any allowance for
loan and lease losses; (c)&nbsp;sell or transfer any investment securities held
by it; (d)&nbsp;charge-off any loan or lease; (e)&nbsp;create any new reserve
account or make additional provisions to any other existing reserve account; (f)&nbsp;make
changes in any accounting method; (g)&nbsp;accelerate, defer or accrue any
anticipated obligation, expense or income item; and (h)&nbsp;make any other
adjustments which would affect the financial reporting of Acquiror, on a
consolidated basis after the Effective Time, in any case as Acquiror shall
reasonably request, <i><font style="font-style:italic;">provided, however</font></i>, that neither First
Kansas nor Bank shall be obligated to take any such requested action until
immediately prior to the Closing and at such time as First Kansas shall have
received reasonable assurances that all conditions precedent to First Kansas&#146;s
obligations under this Agreement (except for the completion of actions to be
taken at the Closing) have been satisfied and no such adjustment which First
Kansas or Bank would not have been required to make but for the provisions of
this Section&nbsp;shall have any effect on the satisfaction by First Kansas of
the condition in <b><font style="font-weight:bold;">Section&nbsp;9.11</font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.19&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Officer Agreements</u></font></b>.&#160; Concurrently with the execution and delivery
of this Agreement, First Kansas shall cause to be delivered to Acquiror:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a consulting
agreement providing for aggregate payments of $160,000, all in the form of <b><font style="font-weight:bold;">Exhibit&nbsp;B</font></b>, signed by Larry V. Bailey<b><font style="font-weight:bold;">, </font></b>which such agreement shall become
effective at the Effective Time; and</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; a
stay bonus agreement providing for an aggregate payment of $50,000 made in two
installments, in the form of <b><font style="font-weight:bold;">Exhibit&nbsp;C</font></b>
signed by James J. Casaert,<b><font style="font-weight:bold;">  </font></b>which
such agreement shall become effective at the Effective Time.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.20&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Voting Agreement</u></font></b>.&#160; Concurrently with the execution and delivery
of this Agreement, First Kansas shall deliver to Acquiror a voting agreement in
the form of <b><font style="font-weight:bold;">Exhibit&nbsp;D</font></b> signed by each of the directors and executive
officers of First Kansas who are holders of First Kansas Common Stock.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.21&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Non-Competition Agreements</u>.&#160; </font></b>Concurrently
with the execution and delivery of this Agreement, First Kansas shall deliver
to Acquiror a non-competition agreement in the form of <b><font style="font-weight:bold;">Exhibit E</font></b> signed by each of the directors
of First Kansas, with the exception of Larry V. Bailey.&#160; As consideration for entering into a
non-competition agreement, First Kansas shall pay at the Closing to each
individual director other than Mr. Bailey, the sum of $12,000.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.22&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Tax Matters</u>.</font></b>&#160; Neither First Kansas nor any First Kansas
Subsidiary shall</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">make any election or settle or compromise any liability with respect to
Taxes without prior written notice to Acquiror.&#160; First Kansas and each First Kansas Subsidiary shall timely file
all Tax Returns required to be filed prior to the Closing; <i><font style="font-style:italic;">provided, however</font></i>, that each such Tax
Return shall be delivered to Acquiror at least five (5) business days prior to
the anticipated date of filing for Acquiror&#146;s review.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.23&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Employee Severance</u></font></b>.&#160; Any person who is currently serving as an
employee of either First Kansas or Bank and continues as such immediately prior
to the Effective Time (other than those employees covered by a written
employment or severance agreement set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.18 of the First Kansas Book of Schedules</font></b>)
whose employment is discontinued by Landmark Bank or the Bank within one year
after the Effective Time shall be entitled to a severance payment pursuant to a
Transition Period Severance Plan to be adopted by Bank prior to the Effective
Time containing the terms outlined in <b><font style="font-weight:bold;">Schedule&nbsp;6.23
of the First Kansas Book of Schedules.</font></b></h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.24&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Retention Bonuses</u></font></b>.&#160; In order to insure an orderly Closing and transition period, the
Bank shall pay each employee of the Bank (other than those employees covered by
a written employment or severance agreement set forth in <b><font style="font-weight:bold;">Schedule&nbsp;4.18 of the First Kansas Book of
Schedules</font></b>) a &#147;retention&#148; bonus equal to two weeks pay in the event
that such employee remains an employee and satisfactorily fulfills the duties
and responsibilities of his or her position through the Effective Time, to be
paid by Bank immediately prior to the Effective Time.&#160; <b><font style="font-weight:bold;">Schedule&nbsp;6.24 of the First
Kansas Book of Schedules</font></b> provides a schedule&nbsp;of projected
retention bonuses.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;6.25&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Defined Benefit Plan</u></font></b>.&#160; First Kansas will effect its withdrawal from
the multiple employer plan as soon as practicable after the date of this
Agreement, but in no event later than December&nbsp;31, 2003.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;7</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">ACQUIROR&#146;S COVENANTS</font></b></p>

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<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">From and after the date
hereof and until the Effective Time, Acquiror hereby covenants and agrees with
First Kansas as follows:</font></p>

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<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;7.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Advice of Changes</u>.</font></b>&#160; Between the date of this Agreement and the
Closing Date, Acquiror will promptly notify First Kansas in writing if Acquiror
or any Acquiror Subsidiary becomes aware of any fact or condition that causes
or constitutes a Breach of any of Acquiror&#146;s representations and warranties as
of the date of this Agreement, or if Acquiror or any Acquiror Subsidiary
becomes aware of the occurrence after the date of this Agreement of any fact or
condition that would (except as expressly contemplated by this Agreement) cause
or constitute a Breach of any such representation or warranty had such
representation or warranty been made as of the time of occurrence or discovery
of such fact or condition.&#160; If any such
fact or condition would require any change in the Schedules if such Schedules
were dated the date of the</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">occurrence or discovery of any such fact or condition, Acquiror will
promptly deliver to First Kansas a supplement to the Schedules specifying such
change, <i><font style="font-style:italic;">provided,
however</font></i>, that receipt of notice of such facts after the date of this
Agreement shall have no effect on the truth and accuracy of the representations
and warranties made in this Agreement and the delivery of any such updated
Schedule&nbsp;shall not in itself be sufficient to cure any prior Breach.&#160; During the same period, Acquiror will
promptly notify First Kansas of the occurrence of any Breach of any covenant of
Acquiror in this Article&nbsp;or of the occurrence of any event that might
reasonably be expected to make the satisfaction of the conditions in <b><font style="font-weight:bold;">Article&nbsp;9</font></b>
impossible or unlikely.&#160; Acquiror shall
also provide to First Kansas copies of each written communication sent to its
stockholders between the date of this Agreement and the Closing Date.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;7.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Information Provided to First
Kansas</u>.</font></b>&#160; Acquiror
agrees that none of the information concerning Acquiror or any Acquiror
Subsidiary that is provided or to be provided by Acquiror to First Kansas for
inclusion or that is included in the Proxy Statement and any other documents to
be filed with any Regulatory Authority in connection with the Contemplated
Transactions will, at the respective times such documents are filed and, with
respect to the Proxy Statement, when mailed, be false or misleading with
respect to any material fact, or omit to state any material fact necessary in
order to make the statements therein not misleading or, in the case of the
Proxy Statement, or any amendment thereof or supplement thereto, at the time of
the meeting of Acquiror&#146;s stockholders referred to above, be false or
misleading with respect to any material fact, or omit to state any material
fact necessary to correct any statement in any earlier communication with
respect to the solicitation of any proxy for the meeting in connection with
which the Proxy Statement shall be mailed.&#160;
Notwithstanding the foregoing, Acquiror shall have no responsibility for
the truth or accuracy of any information with respect to First Kansas or any
First Kansas Subsidiary or any of their Affiliates contained in the Proxy
Statement or in any document submitted to, or other communication with, any
Regulatory Authority.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;7.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Best Efforts; Cooperation</u></font></b>.&#160; Subject to the terms and conditions of this
Agreement, Acquiror agrees to exercise good faith and use its Best Efforts to
satisfy the various covenants and conditions to Closing in <b><font style="font-weight:bold;">Articles 8</font></b> and <b><font style="font-weight:bold;">10</font></b>,
respectively, and to consummate the Contemplated Transactions as promptly as
possible.&#160; Acquiror will not
intentionally take or intentionally permit to be taken any action that would be
a Breach of the terms or provisions of this Agreement.&#160; Between the date of this Agreement and the
Closing Date, Acquiror will, and will cause each Acquiror Subsidiary and all of
the Affiliates and Representatives of Acquiror and each Acquiror Subsidiary to,
cooperate with First Kansas with respect to all filings that First Kansas is
required by Legal Requirements to make in connection with the Contemplated
Transactions.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;8</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">COVENANTS OF
ALL PARTIES</font></b></p>

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<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;8.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Regulatory Approvals</u></font></b>.&#160; Within forty (40) days after the date of
this Agreement, Acquiror shall make all appropriate filings with Regulatory
Authorities for approval of the Contemplated Transactions, including the
preparation of an application or any amendment thereto or any other required
statements or documents filed or to be filed by any party with:</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&nbsp;the Federal Reserve pursuant to the BHCA; (b)&nbsp;the OTS
pursuant to the HOLA; (c)&nbsp;the OCC pursuant to the National Bank Act; and (d)&nbsp;any
other Person or Regulatory Authority pursuant to any applicable Legal
Requirement, for authority to consummate the Contemplated Transactions.&#160; First Kansas and Acquiror shall pursue in
good faith the regulatory approvals necessary to consummate the Contemplated
Transactions.&#160; In advance of any filing
made under this <b><font style="font-weight:bold;">Section&nbsp;8.1</font></b>, First Kansas and Acquiror and their
respective counsel shall be provided with the opportunity to comment thereon,
and First Kansas and Acquiror each agree promptly to advise each other and each
other&#146;s counsel of any material communication received by it or its counsel
from any Regulatory Authorities with respect to such filings.&#160; Each of First Kansas and Acquiror and their
respective Subsidiaries agree to cooperate fully and promptly with each other
and their respective counsel and accountants in connection with any steps to be
taken as part of their obligations under this Agreement.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;8.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Customer and Employee
Relationships</u></font></b>.&#160;
Each of First Kansas and Acquiror agrees that its respective
representatives may jointly:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; participate
in meetings or discussions with officers and employees of First Kansas and its
Subsidiaries in connection with employment opportunities with Acquiror after
the Effective Time; and</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; contact
Persons having dealings with First Kansas or any of its Subsidiaries for the
purpose of informing such Persons of the services to be offered by Acquiror
after the Effective Time.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;8.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Publicity</u></font></b>.&#160; Prior to the Effective Time, the parties to
this Agreement will consult with each other before issuing any press releases
or otherwise making any public statements with respect to this Agreement or the
Contemplated Transactions and shall not issue any such press release or make
any such public statement without the prior consent of the other parties,
except as may be required by law.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;8.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Employee Benefit Plan Payments</u>.</font></b>&#160; First Kansas agrees to take or cause to be
taken the actions described in <b><font style="font-weight:bold;">Schedule&nbsp;8.4 of the First Kansas Book of
Schedules</font></b> with respect to the payment of amounts due under the First
Kansas Employee Benefits Plans.&#160;
Immediately prior to the Effective Time, First Kansas, or the Bank,
shall make the payments set forth in Schedule&nbsp;8.4 to terminate the
employment or severance agreements set forth in <b><font style="font-weight:bold;">Schedule&nbsp;8.4 of the First Kansas Book of Schedules</font></b>.&#160; First Kansas and Acquiror further agree to cooperate
to determine prior to the Closing the types of benefits to be offered after the
Effective Time by Acquiror to former employees of First Kansas who become
employees of Acquiror.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;8.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Director and Officer Liability
Coverage</u>.</font></b>&#160; Prior
to the Effective Time, Acquiror will provide and will maintain in effect for a
period of not less than three&nbsp;(3) years after the Effective Time
directors&#146; and officers&#146; liability insurance coverage for the officers and
directors of First Kansas with respect to actions taken by them prior to the
Effective Time to the extent that such coverage is available and mutually
determined by the parties to be economically practicable (&#147;<b><font style="font-weight:bold;">Tail Coverage</font></b>&#148;).&#160; Any such coverage shall be on substantially
the same terms and conditions and provide the same coverage against personal
liability as the most protective</h2>

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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">coverage which is currently provided to officers and directors of
either Acquiror or First Kansas.&#160; The
directors and officers of First Kansas shall be third party beneficiaries to
this Section&nbsp;and this Section&nbsp;shall survive the Effective Time.&#160; Notwithstanding the provision of such Tail
Coverage, the parties further agree that after the Effective Time, Acquiror
shall indemnify for a period of six (6) years the officers and directors of
First Kansas for all actions taken by them prior to the Effective Time in their
capacities as officers and directors of First Kansas to the same extent as the
greatest indemnification which is currently provided by First Kansas.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;8.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Trademarks</u></font></b>.&#160; Acquiror will acquire any Intellectual
Property Assets (including logos) and associated goodwill owned by First Kansas
or any First Kansas Subsidiary.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;8.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Advisory Board</u></font></b>.&#160; Acquiror shall create an advisory board (the
&#147;<b><font style="font-weight:bold;">Advisory</font></b>  <b><font style="font-weight:bold;">Board</font></b>&#148;) to assist in and advise with
respect to integration of the operations of First Kansas and Bank with and into
those of Acquiror and Landmark Bank.&#160;
The Advisory Board shall consist of all of those individuals who are
serving as of the Effective Time as members of the board of directors of First
Kansas, but not including Larry&nbsp;V. Bailey.&#160; Members of the Advisory Board shall serve with no compensation.&#160; Acquiror&#146;s board of directors shall review
the Advisory Board function annually to consider its continuation and may
terminate the Advisory Board at any time after the first anniversary of the
Effective Time.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;8.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Employees</u></font></b></h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; As
of or after the Effective Date, and at Acquiror&#146;s election and subject to the
requirements of the Code and ERISA, the First Kansas Employee Benefit Plans,
other than ESOP, which will be terminated, may be continued and maintained
separately, consolidated with Acquiror&#146;s existing plans, or terminated.&#160; Bank employees who continue employment with
Landmark Bank following the Merger Effective Date (&#147;<b><font style="font-weight:bold;">Continuing Employees</font></b>&#148;) shall participate in all Landmark Bank
Employee Plans (including, without limitation, Landmark Bank&#146;s ESOP, and its
401(k) plan) as of the first entry date coincident with or following the Merger
Effective Date, with recognition of prior service with Bank for purposes of
eligibility to participate and vesting, but not benefits accrual.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Continuing
Employees shall be enrolled in the Bank medical, dental, life insurance and
disability insurance programs available to other Landmark Bank employees
immediately upon the termination of the Bank plans without such Continuing
Employees incurring any uninsured waiting periods or pre-existing conditions
exclusions for such Continuing Employees and dependents participating in such
similar Bank plans at such time.&#160; This <b><font style="font-weight:bold;">Section&nbsp;8.8</font></b> shall survive the
Effective Time.&#160; Landmark Bank will
credit each&#160; Continuing Employee with
each such person&#146;s accrued and unused sick days, as reflected in First Kansas&#146;s
records, as of the Closing Date (up to a maximum of ninety (90) days).</font></h3>

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<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;9</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">CONDITIONS PRECEDENT TO
OBLIGATIONS OF ACQUIROR</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Acquiror&#146;s obligation to
consummate the Contemplated Transactions and to take the other actions required
to be taken by Acquiror at the Closing is subject to the satisfaction, at or
prior to the Closing, of each of the following conditions (any of which may be
waived by Acquiror, in whole or in part):</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Accuracy of Representations and
Warranties</u></font></b>.&#160; All
of the representations and warranties of First Kansas set forth in this
Agreement shall be true and correct in all material respects with the same
force and effect as if all of such representations and warranties were made at
the Closing Date, <i><font style="font-style:italic;">provided, however,</font></i> that to the extent such representations
and warranties expressly relate to an earlier date, such representations shall
be true and correct in all material respects on and as of such earlier date,
and <i><font style="font-style:italic;">provided
further</font></i>, that to the extent that such representations and warranties
are made in this Agreement subject to a standard of materiality or Knowledge,
such representations and warranties shall be true and correct in all respects.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>First Kansas&#146;s Performance</u></font></b>.&#160; First Kansas shall have performed or
complied in all material respects with all of the covenants and obligations to
be performed or complied with by it under the terms of this Agreement on or
prior to the Closing Date, <i><font style="font-style:italic;">provided, however,</font></i> that to the extent
performance and compliance with such covenants and obligations are subject in
this Agreement to a standard of materiality, First Kansas shall have performed
and complied in all respects with such covenants and obligations.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Proceedings and Documents
Satisfactory</u></font></b>.&#160; All
proceedings, corporate or other, to be taken by First Kansas in connection with
the Contemplated Transactions, and all documents incident thereto, shall be
reasonably satisfactory in form and substance to counsel for Acquiror.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Statutory Requirements</u></font></b>.&#160; This Agreement shall have been duly and
validly authorized by the stockholders of First Kansas.&#160; Such stockholder approval shall have been
obtained in conformity with all applicable laws at a meeting of stockholders
for which proxies are solicited in compliance with applicable laws and
requirements.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>No Proceedings</u></font></b>.&#160; Neither First Kansas nor any First Kansas
Subsidiary shall be made a party to, or to the Knowledge of First Kansas,
Threatened by any Proceedings which, in the reasonable opinion of Acquiror,
have or are likely to have a Material Adverse Effect on First Kansas, and no
Proceeding shall have been instituted, made or threatened by any Person
relating to the Merger or the validity or propriety of the Contemplated
Transactions that Acquiror reasonably believes will result in material damages
or an Order enjoining the Merger or a determination that First Kansas failed to
comply with legal requirements of a material nature in connection with any of
the Contemplated Transactions.</h2>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Absence of Certain Changes or
Events</u></font></b>.&#160; From the
date hereof to the Effective Time, there shall be and have been no Material
Adverse Effect on First Kansas, or any event or occurrence reasonably likely to
result in a Material Adverse Effect on First Kansas, excluding costs associated
with the Contemplated Transactions and any payments that become due and payable
under any First Kansas Employee Benefits Plans as a result of the occurrence of
the Contemplated Transactions.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Regulatory Approvals</u></font></b>.&#160; All of the approvals from Regulatory
Authorities referred to in <b><font style="font-weight:bold;">Section&nbsp;8.1</font></b>, or otherwise reasonably
necessary in the opinion of Acquiror to consummate the Contemplated
Transactions, shall have been obtained and shall be reasonably satisfactory to
Acquiror.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Environmental Reports</u></font></b>.&#160; Acquiror shall have been granted acceptable
access to any real property in which First Kansas or any First Kansas
Subsidiary has an interest and for which Acquiror desired its independent
professional consultant to prepare an Environmental Report.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Other Consents and Approvals</u></font></b>.&#160; Any consents or approvals other than those
described in <b><font style="font-weight:bold;">Section&nbsp;9.6</font></b> that are required to be secured by First
Kansas to consummate the Contemplated Transactions shall have been obtained and
shall be reasonably satisfactory to Acquiror.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.10&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Dissenting Shares</u>. </font></b>&#160;The total number of Dissenting Shares shall
be no greater than five percent&nbsp;(5%) of the number of shares of First
Kansas Common Stock issued and outstanding immediately prior to the Effective
Time.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.11&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Minimum Stockholders&#146; Equity</u></font></b>.&#160; First Kansas&#146;s Adjusted Stockholders&#146; Equity
(as calculated immediately prior to the Closing Date) shall not be less than
$13,100,000.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;9.12&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Transactional Expenses</u></font></b>.&#160; Acquiror shall have received proof
satisfactory to it that First Kansas has paid all of First Kansas Transactional
Expenses.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;10</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">CONDITIONS PRECEDENT TO THE OBLIGATIONS OF FIRST KANSAS</font></b></p>

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<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">First Kansas&#146;s obligation
to consummate the Contemplated Transactions and to take the other actions
required to be taken by First Kansas at the Closing is subject to the
satisfaction, at or prior to the Closing, of each of the following conditions
(any of which may be waived by First Kansas, in whole or in part):</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;10.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Accuracy of Representations and
Warranties</u></font></b>.&#160; All
of the representations and warranties of Acquiror set forth in this Agreement
shall be true and correct in all material respects with the same force and
effect as if all of such representations and warranties were made at the
Closing Date, <i><font style="font-style:italic;">provided, however,</font></i> that to the extent such representations
and warranties expressly relate to an earlier date, such representations shall
be true and correct in all material respects on and as of such earlier date,
and <i><font style="font-style:italic;">provided
further</font></i>, that to the extent that such</h2>

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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">representations and warranties are made in this Agreement subject to a
standard of materiality or Knowledge, such representations and warranties shall
be true and correct in all respects.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;10.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Acquiror&#146;s Performance</u></font></b>.&#160; Acquiror shall have performed or complied in
all material respects with all of the covenants and obligations to be performed
or complied with by it under the terms of this Agreement on or prior to the
Closing Date, <i><font style="font-style:italic;">provided, however,</font></i> that to the extent performance and
compliance with such covenants and obligations are subject in this Agreement to
a standard of materiality, Acquiror shall have performed and complied in all
respects with such covenants and obligations.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;10.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Proceedings and Documents
Satisfactory</u></font></b>.&#160; All
proceedings, corporate or other, to be taken by Acquiror in connection with the
Contemplated Transactions, and all documents incident thereto, shall be
reasonably satisfactory in form and substance to counsel for First Kansas.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;10.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>No Proceedings</u></font></b>.&#160; Neither Acquiror nor any Acquiror Subsidiary
shall be made a party to, or to the Knowledge of Acquiror, Threatened by any
Proceedings which, in the reasonable opinion of First Kansas, have or are
likely to have a Material Adverse Effect on Acquiror, and no Proceeding shall
have been instituted, made or threatened by any Person relating to the Merger
or the validity or propriety of the Contemplated Transactions that First Kansas
reasonably believes will result in material damages or an Order enjoining the
Merger or a determination that Acquiror failed to comply with legal
requirements of a material nature in connection with any of the Contemplated
Transactions.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;10.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Absence of Certain Changes or Events</u></font></b>.&#160; From the date hereof to the Effective Time,
there shall be and have been no Material Adverse Effect on Acquiror, or any
event or occurrence reasonably likely to result in a Material Adverse Effect on
Acquiror, excluding costs associated with the Contemplated Transactions.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;10.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Regulatory Approvals</u></font></b>.&#160; All of the approvals from Regulatory
Authorities referred to in <b><font style="font-weight:bold;">Section&nbsp;8.1</font></b>, or otherwise reasonably
necessary in the opinion of First Kansas to consummate the Contemplated
Transactions, shall have been obtained and shall be reasonably satisfactory to
First Kansas.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;10.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Fairness Opinion</u></font></b>.&#160; As of the date of this Agreement and prior
to distribution of the Proxy Statement to the stockholders of First Kansas,
First Kansas shall have received an opinion from Trident Securities, Inc. to
the effect that the consideration to be received by First Kansas&#146;s stockholders
in connection with the Merger, from a financial point of view, is fair to First
Kansas&#146;s stockholders, and the same shall not have been withdrawn prior to the
Closing.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;10.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Other Consents and Approvals</u></font></b>.&#160; Any consents or approvals other than those
described in <b><font style="font-weight:bold;">Section&nbsp;9.9</font></b> that
are required to be secured by Acquiror to consummate the Contemplated
Transactions shall have been obtained and shall be reasonably satisfactory to
First Kansas.</h2>

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<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;11</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;font-weight:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">TERMINATION</font></b></p>

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<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;11.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Reasons for Termination and
Abandonment</u></font></b>.&#160;
Subject to <b><font style="font-weight:bold;">Sections 11.2 and 11.3</font></b>,
this Agreement, by prompt written notice given to the other parties prior to or
at the Closing, may be terminated:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by
mutual consent of Acquiror and the board of directors of First Kansas;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by
Acquiror if:&#160; (i)&nbsp;any of the
conditions in <b><font style="font-weight:bold;">Article&nbsp;9</font></b> has not been satisfied as of the Closing Date
or if satisfaction of such a condition is or becomes impossible (other than
through the failure of Acquiror to comply with its obligations under this
Agreement); (ii) the failure to satisfy such condition constitutes, or would be
reasonable likely to constitute a Material Adverse Effect upon First Kansas or
Acquiror after the consummation of the Contemplated Transactions; and
(iii)&nbsp;Acquiror has not waived such condition on or before the Closing
Date;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by
First Kansas if:&#160; (i)&nbsp;any of the
conditions in <b><font style="font-weight:bold;">Article&nbsp;10</font></b> has not been satisfied as of the Closing Date
or if satisfaction of such a condition is or becomes impossible (other than
through the failure of First Kansas to comply with its obligations under this
Agreement); (ii) the failure to satisfy such condition would prevent, or would
be reasonable likely to prevent, Acquiror from (A)&#160; paying the Total Purchase Price to the Paying Agent on the
Closing Date or (B) fulfilling its obligations under <b><font style="font-weight:bold;">Section&nbsp;8.4</font></b>, <b><font style="font-weight:bold;">Section&nbsp;8.5</font></b>
or <b><font style="font-weight:bold;">Section&nbsp;8.8</font></b>, and
(iii)&nbsp;First Kansas has not waived such condition on or before the Closing
Date;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by
either Acquiror or First Kansas if the Closing has not occurred (other than
through the failure of any party seeking to terminate this Agreement to comply
fully with its obligations under this Agreement) by the Termination Date;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by
Acquiror or First Kansas in accordance with the provisions of <b><font style="font-weight:bold;">Section&nbsp;6.10</font></b>;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by
First Kansas if First Kansas has received an Unsolicited First Kansas Proposal
that is determined in good faith by the First Kansas Board of Directors, after
consultation with its independent financial advisors, to be more favorable to
the First Kansas stockholders than the Contemplated Transactions; or</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; by
Acquiror if First Kansas&#146;s Adjusted Stockholders&#146; Equity (as calculated
immediately prior to the Closing Date) is&#160;
less than $13,100,000.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;11.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Effect of Termination</u></font></b>.&#160; Except as provided in <b><font style="font-weight:bold;">Section&nbsp;11.3</font></b>, in the event of
termination of this Agreement pursuant to <b><font style="font-weight:bold;">Section&nbsp;11.1</font></b>,
this Agreement shall forthwith become void, there shall be no liability under
this Agreement on the part of Acquiror, First Kansas or Acquisition Corp or any
of their respective Representatives, and all rights and obligations of each
party hereto shall cease, <i><font style="font-style:italic;">provided, however</font></i>, that, subject to <b><font style="font-weight:bold;">Section&nbsp;11.3</font></b>,</h2>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">50</font></p>


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</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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</font>

<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">nothing herein shall relieve any party from liability for the Breach of
any of its representations and warranties or the Breach of any of its covenants
or agreements set forth in this Agreement.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;11.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Expenses</u></font></b>.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Except
as provided below, all out-of-pocket expenses (including all fees and expenses
of counsel, accountants, investment bankers, experts and consultants to a party
hereto and its Affiliates) incurred by a party or on its behalf in connection
with or related to the authorization, preparation, negotiation, execution and
performance of this Agreement, the solicitation of stockholder approvals and
all other matters related to the consummation of the Merger shall be paid by
the party incurring such expenses, whether or not the Merger is consummated.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If
this Agreement is terminated by:&#160; (i)&nbsp;Acquiror
because First Kansas committed a Breach of its obligations under this
Agreement, unless such Breach is a result of the failure by Acquiror to perform
and comply in all material respects with any of its material obligations under
this Agreement which are to be performed or complied with by it prior to or on
the date required hereunder, (ii)&nbsp;Acquiror or First Kansas because of the
failure of the condition set forth in <b><font style="font-weight:bold;">Section&nbsp;10.7</font></b>,
or (iii) First Kansas pursuant to <b><font style="font-weight:bold;">Section&nbsp;11.1(f)</font></b>,
then First Kansas shall pay to Acquiror, upon its written demand, an amount
equal to the sum of Acquiror&#146;s Expenses, but not in excess of Seventy-Five Thousand Dollars ($75,000),
plus an amount equal to Seven Hundred
Fifty Thousand Dollars ($750,000).</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If
this Agreement is terminated by Acquiror or First Kansas because First Kansas&#146;s
stockholders fail to approve the Contemplated Transactions and this Agreement
on or before the Termination Date, <i><font style="font-style:italic;">provided,
however</font></i>, that prior to such termination, First Kansas has not
received notice of a Competing First Kansas Proposal, then First Kansas shall
pay to Acquiror, upon its written demand, an amount equal to Five Hundred Thousand Dollars
($500,000).</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If
this Agreement is terminated by Acquiror or First Kansas because First Kansas&#146;s
stockholders fail to approve the Contemplated Transactions and this Agreement
on or before the Termination Date, and prior to such termination First Kansas
has received a Competing First Kansas Proposal, then First Kansas shall pay to
Acquiror, upon its written demand, an amount equal to the sum of Acquiror&#146;s
Expenses, but not in excess of Seventy-Five Thousand Dollars ($75,000), plus an amount equal to Seven Hundred Fifty Thousand Dollars
($750,000).</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If
this Agreement is terminated by Acquiror because First Kansas&#146;s Adjusted
Stockholders&#146; Equity (as calculated immediately prior to the Closing Date) is
less than $13,100,000, then First Kansas shall pay to Acquiror, upon its
written demand, an amount equal to the sum of Acquiror&#146;s Expenses, but not in
excess of Seventy-Five Thousand Dollars
($75,000), plus an amount equal to Seven Hundred Fifty Thousand Dollars ($750,000).</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(f)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; In
addition to the payments set forth in <b><font style="font-weight:bold;">Sections
11.3(b), (d) and (e) </font></b>(each such termination described in such
sections a <b><font style="font-weight:bold;">&#147;First Kansas Termination&#148;</font></b>)
if there is a First</font></h3>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">51</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Kansas Termination, and within twenty
four (24) months after the termination of this Agreement First Kansas
enters into a Contract with any party other than Acquiror providing for the
acquisition of control of First Kansas or Bank by such other party, then First
Kansas shall pay to Acquiror, upon its written demand, the additional sum of Two Hundred Fifty Thousand Dollars ($250,000), plus an amount equal to the
amount of Acquiror&#146;s Expenses which exceeded Seventy-Five Thousand Dollars
($75,000) but in no event shall First Kansas&#146;s payment of Acquiror&#146;s Expenses
pursuant to this <b><font style="font-weight:bold;">Section&nbsp;11.3(f)</font></b>
as a result of a First Kansas Termination be greater than Seventy-Five Thousand
Dollars ($75,000).&#160; If there is a
termination of this Agreement pursuant to <b><font style="font-weight:bold;">Section&nbsp;11.3(c)</font></b>,
in addition to the payment set forth therein, if within twenty four (24) months after such termination First Kansas enters
into a Contract with any party other than Acquiror providing for the
acquisition of control of First Kansas or Bank by such other party, then First
Kansas shall pay to Acquiror, upon its written demand, the additional sum of Five Hundred Thousand Dollars ($500,000), plus an amount equal to the sum
of the Acquiror&#146;s Expenses, but not in excess of One Hundred Fifty Thousand
Dollars ($150,000). Notwithstanding <b><font style="font-weight:bold;">Sections
11.3(d) and (f)</font></b>, the provisions of this Section&nbsp;shall in no way
limit Acquiror&#146;s rights against any such third party.&#160; For purposes of this <b><font style="font-weight:bold;">Section&nbsp;11.3(f)</font></b>,
the phrase &#147;<b><font style="font-weight:bold;">control of First Kansas or Bank</font></b>&#148; means the acquisition by any
such third party of:&#160; (x)&nbsp;legal or
beneficial ownership (as defined by Rule&nbsp;13d-3 promulgated under the
Exchange Act) of greater than twenty percent&nbsp;(20%) of the then issued and
outstanding voting stock of First Kansas or Bank through any transaction to
which First Kansas, the Bank or any Affiliate of First Kansas or Bank is a
party; or (y)&nbsp;all or substantially all of the assets of First Kansas or
Bank.</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(g)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Payment
of the sums required by <b><font style="font-weight:bold;">Sections 11.3(b),
(c), (d), (e) and (f)</font></b> shall constitute liquidated damages and the
receipt thereof shall be Acquiror&#146;s sole and exclusive remedy under this
Agreement for all Breaches of this Agreement by First Kansas or such failure to
approve the Contemplated Transactions.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(h)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If
this Agreement is terminated by First Kansas because Acquiror committed a
Breach of its obligations under this Agreement, unless such Breach is a result
of the failure by First Kansas to perform and comply in all material respects
with any of its material obligations under this Agreement which are to be
performed or complied with by it prior to or on the date required hereunder,
and provided that First Kansas is in compliance with all of its obligations
under this Agreement, Acquiror shall pay to First Kansas, upon its written
demand, an amount equal to the sum of First Kansas&#146;s Expenses, but not in
excess of Seventy-Five Thousand Dollars
($75,000), plus an amount equal to Seven Hundred Fifty Thousand Dollars<b><font style="font-weight:bold;">  </font></b>($750,000).&#160; Payment of the sums required by this <b><font style="font-weight:bold;">Section&nbsp;11.3(h)</font></b> shall constitute liquidated damages and
the receipt thereof shall be First Kansas&#146;s sole and exclusive remedy under
this Agreement for all Breaches of this Agreement by Acquiror.</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;text-transform:uppercase;">ARTICLE&nbsp;12</font></b></h1>

<h1 style="font-variant:small-caps;margin:0in 0in .0001pt;page-break-after:auto;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-variant:normal;font-weight:normal;text-transform:uppercase;">&nbsp;</font></b></h1>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;text-transform:uppercase;">MISCELLANEOUS</font></b></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.1&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Governing Law</u></font></b>.&#160; All questions concerning the construction,
validity and interpretation of this Agreement, and the performance of the
obligations imposed by this Agreement shall be governed by the internal laws of
the State of Kansas applicable to contracts</h2>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">52</font></p>


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</font></div>

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</font>

<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">made and wholly to be performed in such state without regard to
conflicts of laws, except that the law of the state of Delaware shall apply to
all matters of corporate law and except to the extent superseded by federal
law.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.2&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Assignment</u></font></b>.&#160; Neither this Agreement nor any of the rights
or obligations hereunder may be assigned, in whole or in part, by any of the
parties to this Agreement without the prior written consent of the other
parties to this Agreement and any purported assignment in violation hereof
shall be void and of no effect.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Amendment and Modification</u></font></b>.&#160; The parties may by written agreement signed
by Acquiror and First Kansas:&#160; (a)&nbsp;extend
the time for the performance of any of the obligations or other acts of the
parties hereto; (b)&nbsp;waive any inaccuracies in the representations or
warranties contained in this Agreement or in any document delivered pursuant to
this Agreement; and (c)&nbsp;waive compliance with or modify, amend or
supplement any of the conditions, covenants, agreements, representations or
warranties contained in this Agreement or waive or modify performance of any of
the obligations of any of the parties to this Agreement, which are for the
benefit of the waiving party, <i><font style="font-style:italic;">provided, however</font></i>, that no such
modification, amendment or supplement agreed to after authorization of this
Agreement by First Kansas&#146;s stockholders shall affect the rights of such
respective stockholders in any manner which is materially adverse to such
stockholders.&#160; The failure of any party
to this Agreement to enforce at any time any provision of this Agreement shall
not be construed to be a waiver of such provision, nor in any way affect the
validity of this Agreement or any part hereof or the right of any party
thereafter to enforce each and every such provision.&#160; No waiver of any breach of this Agreement shall be held to
constitute a waiver of any other or subsequent breach.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.4&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Notices</u></font></b>.&#160; All notices, requests and other
communications hereunder shall be in writing (which shall include telecopier
communication) and shall be deemed to have been duly given if delivered by hand
or by overnight express delivery service, mailed certified or registered mail
with first class postage prepaid or telecopied if confirmed immediately
thereafter by also mailing a copy of any notice, request or other communication
by certified or registered mail with first class postage prepaid:</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; If
to First Kansas, to:</font></h3>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h3>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">First Kansas Financial
  Corporation</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">600 Main Street</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Osawatomie, Kansas
  66064</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Attention:</font></p>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Larry V. Bailey,
  President and CEO</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <h5 style="font-size:1.0pt;font-weight:normal;margin:0in 0in .0001pt;">&nbsp;</h5>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Telephone:</font></h5>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(913) 755-3033</font></h5>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <h5 style="font-size:1.0pt;font-weight:normal;margin:0in 0in .0001pt;">&nbsp;</h5>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Telecopier:</font></h5>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(913) 755-2795</font></h5>
  </td>
 </tr>
</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">53</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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</font>

<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">with
copies to:</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Malizia Spidi &amp;
  Fisch, PC</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">1100 New York Avenue,
  N.W., Suite 340 West</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Washington, D.C. 20005</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Attention:</font></p>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Richard Fisch, Esq.</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <h5 style="font-size:1.0pt;font-weight:normal;margin:0in 0in .0001pt;">&nbsp;</h5>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Telephone:</font></h5>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(202) 434-4660</font></h5>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <h5 style="font-size:1.0pt;font-weight:normal;margin:0in 0in .0001pt;">&nbsp;</h5>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Telecopier:</font></h5>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(202) 434-4661</font></h5>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">or to such other Person
and place as Acquiror shall furnish to First Kansas in writing; or</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h3 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; if
to Acquiror or Acquisition Corp, to:</font></h3>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Landmark Bancorp, Inc.</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">800 Poyntz Avenue</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Manhattan, Kansas&#160; 66502</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Attention:</font></p>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Patrick L. Alexander,
  President and CEO</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <h5 style="font-size:1.0pt;font-weight:normal;margin:0in 0in .0001pt;">&nbsp;</h5>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Telephone:</font></h5>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(785) 565-2000</font></h5>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <h5 style="font-size:1.0pt;font-weight:normal;margin:0in 0in .0001pt;">&nbsp;</h5>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Telecopier:</font></h5>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(785) 565-2055</font></h5>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt .5in;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">with
copies to:</font></p>

<p style="margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Barack Ferrazzano
  Kirschbaum Perlman &amp; Nagelberg LLC</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">333 West Wacker, Suite
  2700</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="73%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:73.28%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Chicago, Illinois&#160; 60606</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Attention:</font></p>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">John E. Freechack, Esq.</font></p>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <h5 style="font-size:1.0pt;font-weight:normal;margin:0in 0in .0001pt;">&nbsp;</h5>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Telephone:</font></h5>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(312) 984-3100</font></h5>
  </td>
 </tr>
 <tr>
  <td width="26%" valign="bottom" style="padding:0in .7pt 0in .7pt;width:26.72%;">
  <h5 style="font-size:1.0pt;font-weight:normal;margin:0in 0in .0001pt;">&nbsp;</h5>
  </td>
  <td width="11%" valign="top" style="padding:0in .7pt 0in .7pt;width:11.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Telecopier:</font></h5>
  </td>
  <td width="61%" valign="top" style="padding:0in .7pt 0in .7pt;width:61.64%;">
  <h5 style="font-weight:normal;margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(312) 984-3150</font></h5>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">or to such other Person
or place as First Kansas shall furnish to Acquiror in writing.&#160; Except as otherwise provided herein, all
such notices, requests or other communications shall be effective: (i)&nbsp;if
delivered by hand, when delivered; (ii)&nbsp;if mailed in the manner provided
in this Section, five&nbsp;(5) Business Days after deposit with the United
States Postal Service; (iii)&nbsp;if delivered by overnight express delivery
service, on the next Business Day after deposit with such service; (iv)&nbsp;if
by telecopier, on the next Business Day if also confirmed by mail in the manner
provided in this Section.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.5&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Entire Agreement</u></font></b>.&#160; This Agreement and any documents executed by
the parties pursuant to this Agreement and referred to herein constitute the
entire understanding and agreement of the parties to this Agreement and
supersede all other prior agreements and understandings, written or oral,
relating to such subject matter between the parties, except for the Joint
Confidentiality Agreement between Acquiror and First Kansas dated as of
April&nbsp;15, 2003.&#160; This Agreement and
every representation, warranty, covenant, agreement and provision hereof shall
be binding upon and inure to the benefit of the parties to this Agreement and
their respective successors and permitted assigns.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.6&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Severability</u></font></b>.&#160; Whenever possible, each provision of this
Agreement shall be interpreted in such manner as to be effective and valid
under applicable law, but if any</h2>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">54</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
<!-- SEQ.=1,FOLIO='54',FILE='C:\jms\eperez\03-5427-1\task47848\5427-1-ke.htm',USER='eperez',CD='Nov 13 15:58 2003' -->
<br clear="all" style="page-break-before:always;">
</font>

<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">provision of this Agreement is held to be prohibited by or invalid
under applicable law, such provision will be ineffective only to the extent of
such prohibition or invalidity, without invalidating the remainder of such
provision or the remaining provisions of this Agreement unless the consummation
of the Contemplated Transactions is adversely affected thereby.</font></p>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.7&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Further Instruments</u></font></b>.&#160; The parties to this Agreement will, at or
before the Effective Time, execute and deliver such further instruments as may
be reasonably requested by any other party which are necessary to or
appropriate with respect to the consummation of the transactions contemplated
by this Agreement.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.8&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Counterparts</u></font></b>.&#160; This Agreement and any amendments thereto
may be executed in any number of counterparts, each of which shall be deemed an
original, but all of which together shall constitute one and the same
instrument.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>All Reasonable Efforts</u></font></b>.&#160; Each party represents and warrants that it
will use all reasonable efforts to bring about the transactions contemplated by
this Agreement as soon as practicable provided that this Section&nbsp;shall not
obligate Acquiror or First Kansas to remedy any breach of any of its
representations, warranties and covenants herein.&#160; In the event that any party becomes aware of the occurrence or
impending occurrence of any event which would constitute or cause a breach by
it of any of the representations or warranties herein, or would have
constituted or caused a breach by it of any of the representations or
warranties herein, had such an event occurred or been known prior to the date
hereof, said party shall immediately give detailed and written notice thereof
to the other party.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.10&#160;&#160;&#160;&#160;&#160;&#160; <u>Survival of Representations and
Warranties</u></font></b>.&#160;
Except as otherwise expressly provided herein, including in <b><font style="font-weight:bold;">Section&nbsp;6.24</font></b>, <b><font style="font-weight:bold;">Section&nbsp;8.4, Section&nbsp;8.5</font></b>,
and <b><font style="font-weight:bold;">Section&nbsp;8.8</font></b> the
covenants, representations and warranties contained in this Agreement shall
survive only until the Effective Time.</h2>

<h2 style="font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></h2>

<h2 style="font-size:10.0pt;font-weight:normal;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Section&nbsp;12.11&#160;&#160;&#160;&#160;&#160;&#160; <u>No Third Party Beneficiaries</u></font></b>.&#160; This Agreement is not intended to and shall
not create any rights in or confer any benefits upon any Person or entity other
than the parties hereto and the Persons identified in <b><font style="font-weight:bold;">Section&nbsp;8.5</font></b>.</h2>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">55</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
<!-- SEQ.=1,FOLIO='55',FILE='C:\jms\eperez\03-5427-1\task47848\5427-1-ke.htm',USER='eperez',CD='Nov 13 15:58 2003' -->
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</font>

<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="font-size:10.0pt;margin:0in 0in .0001pt;text-indent:.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">I<font style="text-transform:uppercase;">N
WITNESS WHEREOF</font>, </font></b>the parties hereto have caused this
Agreement to be executed by their respective officers on the day and year first
written above.</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="58%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:58.68%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><b><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;font-weight:bold;">ATTEST</font></b></p>
  </td>
  <td width="41%" colspan="7" valign="top" style="padding:0in 0in 0in 0in;width:41.32%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><b><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;font-weight:bold;">LANDMARK BANCORP,
  INC.</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="58%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:58.68%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="41%" colspan="7" valign="top" style="padding:0in 0in 0in 0in;width:41.32%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="11" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">By:</font></p>
  </td>
  <td width="34%" colspan="2" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:34.84%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">/s/ Mark A. Herpich</font></p>
  </td>
  <td width="19%" valign="top" style="padding:0in 0in 0in 0in;width:19.78%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">By:</font></p>
  </td>
  <td width="20%" colspan="3" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:20.7%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">/s/ Patrick L. Alexander</font></p>
  </td>
  <td width="16%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:16.24%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="6%" valign="top" style="padding:0in 0in 0in 0in;width:6.66%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Name:</font></p>
  </td>
  <td width="47%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:47.96%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Mark A. Herpich</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.9%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Name:</font></p>
  </td>
  <td width="31%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:31.04%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Patrick L. Alexander</font></p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="6%" valign="top" style="padding:0in 0in 0in 0in;width:6.66%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Title:</font></p>
  </td>
  <td width="47%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:47.96%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Vice President and Secretary</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.9%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Title:</font></p>
  </td>
  <td width="31%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:31.04%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">President and Chief Executive<br>
  Officer</font></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="11" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="11" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="58%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:58.68%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><b><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;font-weight:bold;">ATTEST</font></b></p>
  </td>
  <td width="41%" colspan="7" valign="top" style="padding:0in 0in 0in 0in;width:41.32%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><b><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;font-weight:bold;">LANDMARK ACQUISITION<br>
  CORPORATION</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="11" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">By:</font></p>
  </td>
  <td width="34%" colspan="2" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:34.84%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">/s/ Mark A. Herpich</font></p>
  </td>
  <td width="19%" valign="top" style="padding:0in 0in 0in 0in;width:19.78%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="41%" colspan="7" valign="top" style="padding:0in 0in 0in 0in;width:41.32%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="6%" valign="top" style="padding:0in 0in 0in 0in;width:6.66%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Name:</font></p>
  </td>
  <td width="47%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:47.96%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Mark A. Herpich</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">By:</font></p>
  </td>
  <td width="20%" colspan="4" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:20.86%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">/s/ Patrick L. Alexander</font></p>
  </td>
  <td width="16%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:16.08%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="6%" valign="top" style="padding:0in 0in 0in 0in;width:6.66%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Title:</font></p>
  </td>
  <td width="47%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:47.96%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Secretary</font></p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.9%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Name:</font></p>
  </td>
  <td width="31%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:31.04%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Patrick L. Alexander</font></p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="6%" valign="top" style="padding:0in 0in 0in 0in;width:6.66%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="47%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:47.96%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.9%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Title:</font></p>
  </td>
  <td width="31%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:31.04%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">President and Chief Executive<br>
  Officer</font></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="11" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="58%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:58.68%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><b><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;font-weight:bold;">ATTEST</font></b></p>
  </td>
  <td width="29%" colspan="6" valign="top" style="padding:0in 0in 0in 0in;width:29.8%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><b><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;font-weight:bold;">FIRST KANSAS<br>
  FINANCIAL CORPORATION</font></b></p>
  </td>
  <td width="11%" valign="top" style="padding:0in 0in 0in 0in;width:11.52%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="11" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="11" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">By:</font></p>
  </td>
  <td width="34%" colspan="2" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:34.84%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">/s/ Galen E. Graham</font></p>
  </td>
  <td width="19%" valign="top" style="padding:0in 0in 0in 0in;width:19.78%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">By:</font></p>
  </td>
  <td width="16%" colspan="2" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:16.78%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">/s/ Larry V. Bailey</font></p>
  </td>
  <td width="20%" colspan="4" valign="top" style="padding:0in 0in 0in 0in;width:20.16%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="6%" valign="top" style="padding:0in 0in 0in 0in;width:6.66%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Name:</font></p>
  </td>
  <td width="28%" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:28.18%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Galen E. Graham</font></p>
  </td>
  <td width="19%" valign="top" style="padding:0in 0in 0in 0in;width:19.78%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.9%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Name:</font></p>
  </td>
  <td width="31%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:31.04%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Larry V. Bailey</font></p>
  </td>
 </tr>
 <tr>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.06%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="6%" valign="top" style="padding:0in 0in 0in 0in;width:6.66%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Title:</font></p>
  </td>
  <td width="28%" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:28.18%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Senior Vice President and Secretary</font></p>
  </td>
  <td width="19%" valign="top" style="padding:0in 0in 0in 0in;width:19.78%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="4%" valign="top" style="padding:0in 0in 0in 0in;width:4.38%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;text-autospace:none;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.9%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">Title:</font></p>
  </td>
  <td width="31%" colspan="5" valign="top" style="padding:0in 0in 0in 0in;width:31.04%;">
  <p style="margin:0in 0in .0001pt;text-autospace:none;"><font size="2" color="black" face="Times New Roman" style="color:black;font-size:10.0pt;">President and Chief Executive Officer</font></p>
  </td>
 </tr>
 <tr height="0">
  <td width="29" style="border:none;"></td>
  <td width="48" style="border:none;"></td>
  <td width="203" style="border:none;"></td>
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</table>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;text-autospace:none;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>


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