Exhibit 31.2

Certificate pursuant to Rule 13a-14(a) or 15d-14(a) of Securities Exchange
Act of 1934 as adopted pursuant to section 302 of Sarbanes-Oxley Act of
2002-Chief Financial Officer

I, Richard T. Haston, certify that:

1.  I have reviewed this Form 10-Q of NBC Capital 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.  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;

4.  The registrant's other certifying officer(s) 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 the 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.

Date: August 11, 2003
      __________________

                                    /s/ Richard T. Haston
                                    ____________________________
                                    Richard T. Haston
                                    EVP, CFO & Treasurer