BNCCORP INC
SC 13G, 1997-06-16
NATIONAL COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                  SCHEDULE 13G


                    Under the Securities Exchange Act of 1934

                               (Amendment No. ---)*


                                  BNCCORP, Inc.
          ------------------------------------------------------------
                                (Name of Issuer)

                                  COMMON STOCK
          ------------------------------------------------------------
                         (Title of Class of Securities)

                                    055936108
                               ------------------
                                 (CUSIP Number)


* The remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for any  subsequent  amendment  containing  information  which  would  alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).



















                                Page 1 of 4 Pages


<PAGE>



CUSIP No. 055936108                   13G                      Page 2 of 4 Pages


- --------------------------------------------------------------------------------
         1        NAME OF REPORTING PERSON
                  S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
                  Tracy J. Scott
                  ###-##-####

- --------------------------------------------------------------------------------
         2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*

                                                                 (a) [     ]
                                                                 (b) [     ]

- --------------------------------------------------------------------------------
         3        SEC USE ONLY


- --------------------------------------------------------------------------------
         4        CITIZENSHIP OR PLACE OF ORGANIZATION
                  United States


- --------------------------------------------------------------------------------
   NUMBER OF          5        SOLE VOTING POWER
     SHARES                    158,623
 BENEFICIALLY         ----------------------------------------------------------
   OWNED BY           6        SHARED VOTING POWER
     EACH                      0
  REPORTING           ----------------------------------------------------------
    PERSON            7        SOLE DISPOSITIVE POWER
     WITH                      158,623
                      ----------------------------------------------------------
                      8        SHARED DISPOSITIVE POWER
                               0
- --------------------------------------------------------------------------------
         9        AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
                  158,623

- --------------------------------------------------------------------------------
         10       CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) excludes
                  certain shares*


- --------------------------------------------------------------------------------
         11       PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
                  6.78%

- --------------------------------------------------------------------------------
         12       TYPE OF REPORTING PERSON*
                  IN

- --------------------------------------------------------------------------------
                      *SEE INSTRUCTION BEFORE FILLING OUT!



<PAGE>



                                                               Page 3 of 4 Pages

Item 1.           (a)      Name of Issuer:          BNCCORP, Inc.

                  (b)      Address of Issuer's Principal Executive Office:
                           322 E. Main Avenue
                           Bismarck, ND 58501

Item 2.           (a)      Name of Person Filing:   Tracy J. Scott

                  (b)      Address of Principal Business Office:
                           322 East Main Avenue
                           Bismarck, ND 58501

                  (c)      Citizenship:             United States

                  (d)      Title of Class of Securities:   Common Stock

                  (e)      CUSIP Number:    055936108

Item 3.           If this statement is filed pursuant to Rules  13d-1(b),  or
                  13d-2(b), check whether the person filing is a:
                  N/A

Item 4.           Ownership.

                  (a)      Amount beneficially owned:
                           158,623 shares of common stock
                           -------

                  (b)      Percent of class:
                           6.78%
                           -----

                  (c)      Number of shares as to which such person has:

                              (i)      Sole power to vote or to direct the vote
                                       158,623
                                       -------

                             (ii)     shared power to vote or to direct the vote
                                        0
                                      -----

                            (iii)     sole power to dispose or to direct the
                                      disposition of
                                      158,623
                                      -------

                             (iv)     shared power to dispose or to direct the
                                      disposition of
                                        0
                                      -----



<PAGE>




                                                               Page 4 of 4 Pages



Item 5.           Ownership of Five Percent or Less of a Class.
                  N/A

Item 6.           Ownership of More than Five Percent on Behalf of Another
                  Person.
                  N/A

Item 7.           Identification and Classification of the Subsidiary Which
                  Acquired the Security Being Reported on By the Parent
                  Holding Company.
                  N/A

Item 8.           Identification and Classification of Members of the Group.
                  N/A

Item 9.           Notice of Dissolution of Group.
                  N/A

Item 10.          Certification.
                  N/A





Signature.

After  reasonable  inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.



Date: December 31, 1995
      -----------------


By:  /s/ Tracy J. Scott
     ------------------





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