BILTMORE BANK CORP
15-15D, 1997-01-10
NATIONAL COMMERCIAL BANKS
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                                    Form 15
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                    FORM 15


         Certification  and Notice of Termination of Registration  under Section
12(g)  of the  Securities  Exchange  Act of 1934 or  Suspension  of Duty to File
Reports Under Sections 13 and 15(d) of the Securities Exchange Act of 1934.


                                                  Commission File Number 5-40191
                                                                        --------


                              BILTMORE BANK CORP.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


                 2425 E. Camelback Road, Phoenix, Arizona 85016
                                 (414) 681-4654
- --------------------------------------------------------------------------------
   (Address, including zip code, and telephone number, including area code of
                   registrant's principal executive offices)


                           Common Stock, no par value
- --------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)


                                     None.
- --------------------------------------------------------------------------------
  (Titles of all other classes of securities for which a duty to file reports
                     under section 13(a) or 15(d) remains)


         Please  place an X in the box(es) to  designate  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:


         Rule 12g-4(a)(1)(i)  [ ]            Rule 12h-3(b)(1)(ii)  [ ]

         Rule 12g-4(a)(1)(ii) [ ]            Rule 12h-3(b)(2)(i)   [ ]

         Rule 12g-4(a)(2)(i)  [ ]            Rule 12h-3(b)(2)(ii)  [ ]

         Rule 12g-4(a)(2)(ii) [ ]            Rule 15d-6            [ ]

         Rule 12h-3(b)(1)(i)  [X]            


         Approximate  number of  holders  of record as of the  certification  or
notice date: 1
            ---
<PAGE>
         Pursuant to the  requirements  of the  Securities  Exchange Act of 1934
Biltmore  Bank Corp.  has caused this  certification/notice  to be signed on its
behalf by the undersigned duly authorized person.


DATE: January 10, 1997               By:  /s/ Mark Behrens
     ------------------------------      -------------------------------------
                                     Name:  Mark Behrens
                                     Title: Executive Vice President


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