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                       SECURITIES AND EXCHANGE COMMISSION


                             WASHINGTON, D.C. 20549


                                  ------------


                                    FORM 8-K


                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


Date of Report (Date of earliest event reported)     March 12, 1999


                     Fleet Bank (RI), National Association 
             (Exact name of registrant as specified in its charter)

                                on behalf of the

                        Fleet Credit Card Master Trust II


                                                                                 
              United States                               333-52583-01                           050495490
     (State or Other Jurisdiction of                (Commission File Number)            (IRS Employer Identification
             Incorporation)                                                                       Number)



       111 Westminster Street
      Providence, Rhode Island                                           02903
(Address of Principal Executive Office)                               (Zip Code)

Registrant's telephone number, including area code (401) 278-5451

                                       N/A
          (Former Name or Former Address, if Changed Since Last Report)




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INFORMATION TO BE INCLUDED IN THE REPORT

Item 1. Not Applicable.

Item 2. Not Applicable.

Item 3. Not Applicable.

Item 4. Not Applicable.

Item 5. On March 12, 1999, Orrick, Herrington & Sutcliffe LLP delivered its
        legality opinion with respect to Series 1999-A.

Item 6. Not Applicable.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

        Exhibits

              5.1      Legality Opinion of Orrick, Herrington & Sutcliffe
                       LLP.

              23.1     Consent of Orrick, Herrington & Sutcliffe LLP
                       (included in opinion filed as Exhibit 5.1)

Item 8. Not Applicable.

Item 9. Not Applicable.


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                                   SIGNATURES

                  Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.

                                      FLEET BANK (RI), NATIONAL ASSOCIATION
                                        On behalf of the Fleet Credit Card
                                        Master Trust II



                                      By: /s/ Jeffrey A. Lipson
                                          ------------------------
                                          Name: Jeffrey A. Lipson
                                          Title:   Vice President


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                                  EXHIBIT INDEX


Exhibit                                     Description

5.1      Legality opinion of Orrick, Herrington & Sutcliffe LLP

23.1     Consent of Orrick, Herrington & Sutcliffe LLP (included in opinion
         filed as Exhibit 5.1)