Exhibit 23.1




               Consent of Independent Certified Public Accountants



The Board of Directors
BNCCORP, Inc.:


We consent to  incorporation  by reference of our report dated January 29, 2003,
relating to the consolidated balance sheets of BNCCORP, Inc. and subsidiaries as
of  December  31,  2002 and 2001,  and the related  consolidated  statements  of
income,  comprehensive income,  stockholders' equity, and cash flows for each of
the years in the three-year period ended December 31, 2002, which report appears
in the  December  31,  2002 Form 10-K of  BNCCORP,  Inc.,  and in the  following
Registration  Statements  of  BNCCORP,  Inc.:  Nos.  333-03512,  333-58584,  and
333-98647 on Form S-8. Our report refers to the adoption of Financial Accounting
Standards Board (FASB)  Statement of Financial  Accounting  Standards (SFAS) No.
142, Goodwill and Other Intangible Assets, and FASB SFAS No. 144, Accounting for
the Impairment or Disposal of Long-lived Assets, as of January 1, 2002.


KPMG LLP



Minneapolis, Minnesota
March 18, 2003