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 quarterly report on Form 10-Q for the three and nine
months ended  September 30, 2005 (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 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 we 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 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 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.
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|                         | By:                                                          | /s/ Rick J. Tremblay | 
|------------------------ | ------------------------------------------------------------ | -------------------- | 
|Date:  November 4, 2005. | Rick J. TremblayExecutive Vice President and Chief Financial |