Second announced acquisition in 1998 highlights value of
                           community banking focus

    LEAWOOD, Kas., April 29 /PRNewswire/ -- Gold Banc (Nasdaq: GLDB)
announced today it has signed a definitive merger agreement with Tri-County
Bancshares, Inc. of Washington, Kan. for a combination cash and stock-for-
stock/tax free transaction valued at $4.4 million.  Tri-County National Bank,
a wholly-owned subsidiary of Tri-County Bancshares with locations in
Concordia, Linn and Washington, had total assets of $43.8 million, deposits of
$40.4 million and loans of $26.2 million at March 31, 1998.
    The exchange ratio of the merger is fixed at 8.5 shares of Gold Banc
common stock for each share of Tri-County Bancshares stock, plus a total cash
consideration of $1.73 million.  Gold Banc currently has 5.35 million shares
of common stock outstanding and the closing bid price as of Tuesday, April 28,
1998 was $28.50 per share.  The common stock of Tri-County Bancshares
is not publicly traded.
    "We are pleased to have Tri-County join the Gold Banc family and look
forward to an even stronger presence in northeast Kansas with the addition of
their three excellent locations, including one each in the county seat towns
of Concordia and Washington," said Gold Banc President and Chief Executive
Officer Michael W. Gullion.  "This is our second acquisition announcement
so far in 1998 and highlights our organization's ability to grow and deliver
enhanced shareholder value while retaining each new member's community banking
focus and high level of personalized service."
    The Tri-County transaction, which will be accounted for as a purchase, is
expected to be accretive to Gold Banc's earnings in 1998 and is set to close
in the third quarter of 1998.  The merger must be approved by Tri-County's
shareholders and by the appropriate federal regulatory agencies.
    Tri-County's Chairman James R. Pachta and President Don R. Moser said in a
joint statement:  "Our board of directors unanimously agrees that joining the
Gold Banc family will help diversify and enhance our bank's financial strength
in keeping with the best long-term interests of our shareholders, employees
and, particularly, the communities we serve.  This merger also enhances our
financial services capabilities, especially the business and retail banking
services we provide to our local customers."
    According to FDIC data available as of June 30, 1997, Tri-County National
Bank held a number two share of total deposits in Washington County, its
primary market, and a number three share in neighboring Cloud County.  The
bank's main office is located in Washington, with branch offices in Concordia
and Linn, Kan.  Both Washington and Concordia are county seat towns.
Founded in 1883, Tri-County National Bank has maintained strong historical
ties to the communities it serves by honoring its civic, economic and
social commitments.
    When completed, the merger is projected to boost Gold Banc's assets to
approximately $659 million, deposits to $538 million and loans to $418 million
based on March 31, 1998 pro forma data, including the pending acquisition of
Farmers State Bank of Sebetha, Kan., which was also announced today.

    About Gold Banc
    Gold Banc, a multi-bank holding company, currently owns and operates the
following community banks: Exchange National Bank, with locations in Leawood,
Shawnee and Marysville, Kan.; Citizens State Bank and Trust Company, located
in Seneca, Kan.; Peoples National Bank, Clay Center, Kan.; Farmers
National Bank, Oberlin, Kan.; the First National Bank in Alma, located in
Alma, Kan.; and Provident Bank, f.s.b., located in St. Joseph, Mo.  Each of
these community banks provides a full range of commercial and consumer banking
services in their respective markets, with each bank retaining its board of
directors, local identity and decision-making authority.  In
addition, Gold Banc owns Midwest Capital Management, Inc., a full service
broker/dealer and investment management firm based in Kansas City,
Mo.

    Safe Harbor Statement
    This news release contains comments or information that constitute
forward-looking statements (within the meaning of the Private Securities
Litigation Reform Act of 1995), which involve significant risks and
uncertainties.  Actual results may differ materially from the results
discussed in the forward-looking statements.  Factors that might cause such a
difference include, but are not limited to: (1) expected cost savings from a
merger cannot be fully realized or realized within the expected time frame;
(2) revenues following the merger are lower than expected; (3) competitive
pressures among depository institutions increase significantly; (4) costs or
difficulties related to the integration of the business of the organizations
are greater than expected; (5) changes in the interest rate environment reduce
interest margins; (6) general economic conditions, either nationally or in
states in which the combined company will be doing business, are less
favorable than expected; and (7) legislation or regulatory changes adversely
affect the businesses in which the combined company would be engaged.
    Visit the Gold Banc web site at:  http://www.goldbanc.com

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