Banned from Adsense: Relax and read this:

It is really heartbreaking when someone loses his/her Adsense account.I know how much he/she works to get the earnings moving.But unfortunately, all efforts go in vain if you get banned from Adsense.Many webmasters have gone through this.

What you can do if your account was disabled?
You have 2 options:
1.If you really feel that there was no error from your side, contact Google Adsense team.They will reply you for sure.But keep in mind that the probability of getting your account back is very less.
Contact Google

2.Create new account:
Though you can not create new account for yourself, create an account using the different name,address,phone no.
-->Use PC with different IP address to apply for account
-->Use different Payee name, address, phone number
-->Once your account is accepted/created, you can change your address to original one.

If you are thinking of joining other programs, it's not a bad idea at all.
These are guidelines for you if want to do so
1.Guidelines for Bidvertiser
2.Guidelines for Widgetbucks