Exhibit No. 99.1

                          Certification and Signatures


The undersigned, who are the Chief Executive Officer and Chief Financial Officer
of the Company,  respectively,  certify that this annual  report fully  complies
with the  requirements of Section 13(a) of the Securities  Exchange Act of 1934,
and that the  information  contained  in the Form 10-K fairly  presents,  in all
material  respects,  the  financial  condition  and results of operations of the
Company  for the period  covered by such  report.  This  certification  is being
furnished  solely  to  comply  with  the  requirements  of  Section  906  of the
Sarbanes-Oxley Act of 2002, Pub. L. No. 107-204.


                                  BNCCORP, Inc.
Date:   March 18, 2003

                                      By /s/ Gregory K. Cleveland
                                         ----------------------------------
                                         Gregory K. Cleveland
                                         President
                                         Chief Executive Officer


                                      By /s/ Brenda L. Rebel
                                         ----------------------------------
                                         Brenda L. Rebel
                                         Treasurer
                                         Chief Financial Officer