Exhibit 31.2

CERTIFICATION PURSUANT TO
  RULE 13A-14 OF THE SECURITIES EXCHANGE ACT OF 1934,
  AS ADOPTED PURSUANT TO
  SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I,
  Rick J. Tremblay, Executive Vice President and Chief Financial Officer of Gold
  Banc Corporation, Inc. (the "registrant") certify that:

|1. | I have reviewed the registrant's Annual Report
      on Form 10-K for the year ended December 31, 2004 (this "report");                                                                                                                                                                                                                                           
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|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;                                
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|3. | Based on my knowledge, the financial statements,
      and other financial information included in this report, fairly present
      in all material respects the financial condition, results of operations
      and cash flows of the registrant as of, and for, the periods presented in
      this report;                                                   
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|4. | The registrant's other certifying officers 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
      13a15(f)
      and 15d-15(f)) for the registrant and have:
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| | (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;     
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| | (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;            
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| | (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                                                                                                      
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| | (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;

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|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 the registrant's board of directors (or persons performing the equivalent
      functions):
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| | (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
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| | (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.                                                                                                           

|                      |     |                             
|--------------------- | --- | ----------------------------
|                      | By: | /s/ RICKJ. TREMBLAY         
|                      |     |                             
|                      |     | Rick J. Tremblay            
|                      |     | Executive Vice President and
|Date: March 24, 2005. |     | Chief Financial Officer     



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