1> create table t1 (c1 char(3), c2 int, c3 varchar(100))
2> go

$ cat t1.txt
"NY",2,"New York, USA"
"II",1,"India"
"GP",3,"Gauteng, RSA"
$ cat t1.fmt
10.0
4
1       SYBCHAR 0       100     "\""    0       junk1
2       SYBCHAR 0       100     "\","   1       data1
3       SYBCHAR 0       100     ",\""   2       id
4       SYBCHAR 0       100     "\"\n"  3       address
$ bcp tempdb..t1 in t1.txt -Usa -P -Smysrv  -f t1.fmt -e t1.err

Starting copy...

3 rows copied.
Clock Time (ms.): total = 1  Avg = 0 (3000.00 rows per sec.)

1> select * from t1
2> go
 c1  c2          c3                       
 --- ----------- -----------------------------------------------
 NY            2 New York, USA            
 II            1 India                    
 GP            3 Gauteng, RSA             

(3 rows affected)
1> drop table t1
2> go