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EXHIBIT 31.2

                                 CERTIFICATIONS

I, John Hopkins, Principal Financial and Accounting Officer, certify that:

      1.    I have reviewed this quarterly report on Form 10-QSB of GBC Bancorp,
            Inc.;

      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 small business issuer as of, and for, the periods
            presented in this report;

      4.    The small business issuer'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)) for the small business issuer 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 small business issuer, including its
                     consolidated subsidiary, 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 small business issuer'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 small business
                     issuer's internal control over financial reporting that
                     occurred during the small business issuer's most recent
                     fiscal quarter that has materially affected, or is
                     reasonably likely to materially affect, the small business
                     issuer's internal control over financial reporting; and

      5.    The small business issuer's other certifying officer and I have
            disclosed, based on our most recent evaluation of internal control
            over financial reporting, to the small business issuer's auditors
            and the audit committee of the small business issuer's board of
            directors:

               (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 small business issuer'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 small business issuer's internal control over
                     financial reporting.

August 10, 2004

                                         /s/ John Hopkins
                                         ---------------------------------------
                                         John Hopkins, Chief Financial Officer
                                         (Principal Financial Officer)