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
        March 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)) 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) | 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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| |  | (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;
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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.
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|                   |  |    
|------------------ |  | ---
|                   |  | By:
|                   |  |    
|Date: May 10, 2004 |  |    

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