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                                                                   EXHIBIT (31)

                                 CERTIFICATIONS


         I, C. Stanley Bailey, certify that:

         1.       I have reviewed this Amendment No. 2 to Annual Report on Form
10-K of The Banc Corporation;

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

         3.       [Intentionally omitted pursuant to Q&A 1, Securities and
Exchange Commission Division of Corporation Finance, "Exemptive Order on
Management's Report on Internal Control over Financial Reporting and Related
Auditor Report Frequently Asked Questions", January 21, 2005.];

         4.       The registrant's other certifying officer and I are
responsible for establishing and maintaining disclosure controls and procedures
(as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control
over financial reporting (as defined in Exchange Act Rules 13a-15(f) and
15d-15(f)) for the registrant and have:

         (a)      Designed such disclosure controls and procedures to ensure
that material information relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those entities, particularly
during the period in which this report is being prepared;

         (b)      Designed such internal control over financial reporting, or
caused such internal control over financial reporting to be designed under our
supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles.

         (c)      Evaluated the effectiveness of the registrant's disclosure
controls and procedures and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the end of the
period covered by this report based on such evaluation; and

         (d)      Disclosed in this report any change in the registrant's
internal control over financial reporting that occurred during the registrant's
most recent fiscal quarter (the registrant's fourth fiscal quarter in the case
of an annual report) that has materially affected, or is reasonably likely to
materially affect, the registrant's internal control over financial reporting;
and

         5.       The registrant's other certifying officer(s) and I have
disclosed, based on our most recent evaluation of internal control over
financial reporting, to the registrant's auditors and the


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audit committee of registrant's board of directors (or persons performing the
equivalent functions):

         (a)      All significant deficiencies and material weaknesses in the
design or operation of internal control over financial reporting which are
reasonably likely to adversely affect the registrant's ability to record,
process, summarize and report financial information; and

         (b)      Any fraud, whether or not material, that involves management
or other employees who have a significant role in the registrant's internal
control over financial reporting.



Dated: May 2, 2005                       By       /s/C. Stanley Bailey
                                            -----------------------------------
                                                    C. Stanley Bailey
                                                 Chief Executive Officer


         A signed original of this written statement required by Section 302 of
the Sarbanes-Oxley Act of 2002 has been provided to The Banc Corporation and
will be retained by The Banc Corporation and furnished to the Securities and
Exchange Commission or its staff upon request.


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         I, David R. Carter, certify that:

         1.       I have reviewed this Amendment No. 2 to Annual Report on Form
10-K of The Banc Corporation;

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

         3.       [Intentionally omitted pursuant to Q&A 1, Securities and
Exchange Commission Division of Corporation Finance, "Exemptive Order on
Management's Report on Internal Control over Financial Reporting and Related
Auditor Report Frequently Asked Questions", January 21, 2005.];

         4.       The registrant's other certifying officer and I are
responsible for establishing and maintaining disclosure controls and procedures
(as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control
over financial reporting (as defined in Exchange Act Rules 13a-15(f) and
15d-15(f)) for the registrant and have:

         (a)      Designed such disclosure controls and procedures, or caused
such disclosure controls and procedures to be designed under our supervision, to
ensure that material information relating to the registrant, including its
consolidated subsidiaries, is made known to us by others within those entities,
particularly during the period in which this report is being prepared;

         (b)      Designed such internal control over financial reporting, or
caused such internal control over financial reporting to be designed under our
supervision, to provide reasonable assurance regarding the reliability of
financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles.

         (c)      Evaluated the effectiveness of the registrant's disclosure
controls and procedures and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the end of the
period covered by this report based on such evaluation; and

         (d)      Disclosed in this report any change in the registrant's
internal control over financial reporting that occurred during the registrant's
most recent fiscal quarter (the registrant's fourth fiscal quarter in the case
of an annual report) that has materially affected, or is reasonably likely to
materially affect, the registrant's internal control over financial reporting;
and

         5.       The registrant's other certifying officer(s) and I have
disclosed, based on our most recent evaluation of internal control over
financial reporting, to the registrant's auditors and the audit committee of
registrant's board of directors (or persons performing the equivalent
functions):

         (a)      All significant deficiencies and material weaknesses in the
design or operation of internal control over financial reporting which are
reasonably likely to adversely affect the registrant's ability to record,
process, summarize and report financial information; and


<PAGE>

         (b)      Any fraud, whether or not material, that involves management
or other employees who have a significant role in the registrant's internal
control over financial reporting.



Dated: May 2, 2005                       By         /s/ David R. Carter
                                            -----------------------------------
                                                       David R. Carter
                                                Executive Vice President and
                                                   Chief Financial Officer


         A signed original of this written statement required by Section 302 of
the Sarbanes-Oxley Act of 2002 has been provided to The Banc Corporation and
will be retained by The Banc Corporation and furnished to the Securities and
Exchange Commission or its staff upon request.