**EXHIBIT 31.2**

 

**CERTIFICATEOF CHIEF FINANCIAL OFFICER (Section 302 Certification)**

 

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

 

1.                                       I have reviewed this quarterly report on Form10-QSB of The Bank Holdings for the quarter ended September 30, 2004;

 

2.                                       Based on my knowledge, this quarterly reportdoes not contain any untrue statement of a material fact or omit to state amaterial fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading withrespect to the period covered by this quarterly report;

 

3.                                       Based on my knowledge, the financialstatements, and other financial information included in this quarterly report,fairly present in all material respects the financial condition, results ofoperations and cash flows of the Registrant as of, and for, the periodpresented in this quarterly report;

 

4.                                       The registrant’s other certifying officer(s)and I are responsible for establishing and maintaining disclosure controls andprocedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for theregistrant 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 theregistrant, including its consolidated subsidiary, is made known to us byothers within those entities, particularly during the period in which thisreport is being prepared;

 

(b)                                 Evaluated the effectiveness of the registrant’sdisclosure controls and procedures and presented in this report our conclusionsabout the effectiveness of the disclosure controls and procedures, as of theend of the period covered by this reports based on such evaluation; and

 

(c)                                  Disclosed in this report any change in theregistrant’s internal control over financial reporting that occurred during theregistrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarterin the case of annual report) that has materially affected, or is reasonablylikely to materially affect, the registrant’s internal control over financialreporting; and

 

5.                                       The registrant’s other certifying officer(s)and I have disclosed, based on our most recent evaluation of internal controlover financial reporting, to the registrant’s auditors and the audit committeeof the registrant’s board of directors (or persons performing the equivalentfunctions):

 

(d)                                 All significant deficiencies and materialweaknesses in the design or operation of internal control over financial reportingwhich are reasonably likely to adversely affect the registrant’s ability torecord, process, summarize and report financial information; and

 

(e)                                  Any fraud, whether or not material, thatinvolves management or other employees who have a significant role in theregistrant’s internal control over financial reporting.

 

 
| Date:  | November  15, 2004 |                     |   | /s/  Jack B. Buchold |   |
|--------|--------------------|--------------------------|--------|----------------------|--------|
|   |               | THE  BANK HOLDINGS       |
|   |               | Jack  B. Buchold         |
|   |               | Chief  Financial Officer |

 

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