BNCCorp, Inc. is a bank holding company that provides financial products to businesses and consumers. BNCCORP operates in 21 locations in Arizona, Minnesota and North Dakota through its subsidiary, BNC National Bank. The Company also provides insurance, brokerage and trust and financial services through BNC National Banks subsidiaries, Milne Scali, BNC Insurance and BNC AMI, and the Banks trust and financial services division. The Company offers traditional and non-traditional financial products and services in order to meet the financial needs of its customer base. As of December 31, 2002, the Company had total assets of $602.2 million, total loans of $335.8 million and total deposits of $398.2 million.