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 this  Quarterly  Report on Form 10-Q for the three months
      ended June 30, 2004 (this "report");

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  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))  for  the
      registrant and we 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) 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

      (c) 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;

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.


                               By:  /s/ RICK J. TREMBLAY
                                    ----------------------------------------
                                    Rick J. Tremblay
                                    Executive Vice President and
Date:  August 9, 2004               Chief Financial Officer