INTRUST FINANCIAL CORP /
8-K, 1999-08-13
STATE COMMERCIAL BANKS
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                      SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT

    Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934



Date of Report                                             August 13, 1999
(Date of earliest event reported)                         (August 10, 1999)


                          INTRUST Financial Corporation
             (Exact name of registrant as specified in its charter)


        Kansas                  2-78658                      48-0937376
- ---------------------------------------------------------------------------
State or other jurisdiction    (Commission                 (IRS Employer
    of incorporation)           File Number)             Identification No.)


105 North Main Street, Wichita, Kansas                          67202
- --------------------------------------------------------------------------------
(Address of principal executive offices)                       Zip Code


Registrant's telephone number, including area code:         (316) 383-1111


(Former name or former address, if changed since last report)  Not applicable


<PAGE>




ITEM 4.  CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT

          (a) (i) As of August  10,  1999,  the Board of  Directors  of  INTRUST
     Financial  Corporation (the "Company") dismissed Arthur Andersen LLP as the
     Company's independent  accountants,  and appointed KPMG LLP ("KPMG") as the
     Company's independent accountants.

          (ii) The reports of Arthur Andersen LLP on the Company's  consolidated
     financial  statements  as of and for the years ended  December 31, 1998 and
     1997 did not contain  any adverse  opinion or  disclaimer  of opinion,  and
     neither report was qualified or modified as to uncertainty,  audit scope or
     accounting principles.

          (iii) The decision to change  independent  accountants was recommended
     by the Company's Audit Committee, and approved by the Board of Directors at
     the Board's meeting on August 10, 1999.

          (iv) During the two most recent  fiscal  years and through the date of
     this report, the Company has not had any disagreements with Arthur Andersen
     LLP  on  any  matter  of  accounting  principles  or  practices,  financial
     statement disclosure or auditing scope or procedure, which disagreement(s),
     if not  resolved  to the  satisfaction  of Arthur  Andersen  LLP would have
     caused Arthur Andersen LLP to make reference thereto in their report on the
     consolidated financial statements of the Company for such periods

          (v) During the  Company's two most recent fiscal years and through the
     date of this  report,  the  Company  has not had any  reportable  events as
     defined in Item 304 (a) (l) (v) of Regulation S-K.

          (vi) The Company has  requested  that Arthur  Andersen  LLP furnish it
     with a letter addressed to the Securities and Exchange  Commission  stating
     whether it agrees with the above  statements.  A copy of that letter  dated
     August 10, 1999 is filed as exhibit 16 to this form 8-K.

ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

         (c)   Exhibits.

                16.  Letter re change in certifying accountant.



<PAGE>


                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                                INTRUST Financial Corporation




                                          By:   /s/ C.Q. Chandler IV
                                                --------------------
                                                C.Q. Chandler, IV
                                                President


Date:  August 13, 1999


<PAGE>


                                INDEX TO EXHIBITS


Exhibit                                                        Sequentially
Number                        Description                      Numbered Page
- ------                        -----------                      -------------

16                            Letter re change
                              in certifying accountant






                                   EXHIBIT 16


August 10, 1999


Office of the Chief Accountant
Securities and Exchange Commission
450 Fifth Street, N. W.
Washington, D.C.  20549



Dear Sir / Madam:

We have read the 6 paragraph(s)  of Item 4 included in the Form 8-K dated August
13, 1999 of INTRUST  Financial  Corporation  to be filed with the Securities and
Exchange Commission and are in agreement with the statements contained therein.

Very truly yours,



Arthur Andersen LLP

Copy to:
Mr. Jay Smith, Chief Financial Officer, INTRUST Financial Corporation



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