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-Q for the three months ended June
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 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 13a-15(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.
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| | By:                                                                  | /s/ Rick J. Tremblay | 
| | -------------------------------------------------------------------- | -------------------- | 
| | Rick J. TremblayExecutive Vice President and Chief Financial Officer |                     

Date: August 8, 2005.