**Exhibit31.2**

 

**CERTIFICATE OF CHIEFFINANCIAL OFFICER PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002**

 

I, Jack B. Buchold, Chief Financial Officer, certify that:

 

1.               I have reviewed this Quarterly Report onForm 10-QSB of The Bank Holdings for the quarter ended June 30, 2003;

 

2.               Based on my knowledge, this report doesnot contain any untrue statement of a material fact or omit to state a materialfact necessary to make the statements made, in light of the circumstances underwhich such statements were made, not misleading with respect to the periodcovered by this report;

 

3.               Based on my knowledge, the financialstatements, and other financial information included in this report, fairlypresent in all material respects the financial condition, results of operationsand cash flows of the small business issuer as of, and for, the periodpresented in this report;

 

4.               The small business issuer’s othercertifying officers(s) and I are responsible for establishing and maintainingdisclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e)and 15d-15(e)) for the small business issuer and have:

 

a.               Designed such disclosure controls andprocedures, or caused such disclosure controls and procedures to be designedunder our supervision, to ensure that material information relating to thesmall business issuer, including its consolidated subsidiaries, is made knownto us by others within those entities, particularly during the period in whichthis report is being prepared;

 

b.              Evaluated the effectiveness of the smallbusiness issuer’s disclosure controls and procedures and presented in thisreport our conclusions about the effectiveness of the disclosure controls andprocedures, as of the end of the period covered by this reports based on such evaluation;and

 

c.               Disclosed in this report any change inthe small business issuer’s internal control over financial reporting thatoccurred during the small business issuer’s most recent fiscal quarter that hasmaterially affected, or is reasonably likely to materially affect, the smallbusiness issuer’s internal control over financial reporting; and

 

----

 

5.               The small business issuer’s othercertifying officer(s) and I have disclosed,  based on our most recent evaluation of internal control over financialreporting, to the small business issuer’s auditors and the audit committee ofthe small business issuer’s board of directors:

 

a.               All significant deficiencies andmaterial weaknesses in the design or operation of internal control overfinancial reporting which are reasonably likely to adversely affect the smallbusiness issuer’s ability to record, process, summarize and report financialinformation; and

 

b.              Any fraud, whether or not material, thatinvolves management or other employees who have a significant role in the smallbusiness issuer’s internal control over financial reporting.

 

 
| Date:  | August 13, 2003 |                    |                |   |
|--------|----------------------|-------------------------|---------------------|--------|
|   |                 |                    | /s/ Jack B. Buchold |
|   |                 | THE BANK HOLDINGS       |
|   |                 | Jack B. Buchold         |
|   |                 | Chief Financial Officer |

 

 

A signed original of this written statement required by Section 302 ofthe Sarbanes-Oxley Act has been provided to The Bank Holdings and will beretained by The Bank Holdings and furnished to the SEC or its staff on request.

 

2

----