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           MONTHLY CERTIFICATEHOLDERS' STATEMENT

           CHEVY CHASE MASTER CREDIT CARD TRUST II
                       SERIES 1996-A
Pooling and Servicing Agreement"), among Chevy Chase Bank, F.S.B., 
("Chevy Chase"), as Transferor and Servicer, CCB Holding Corporation,
as Transferor, and Bankers Trust Company, as trustee (the "Trustee").
Chevy Chase as Servicer is required to prepare certain information each 
month regarding current distributions to Series 1996-A Certificateholders an
the performance of the Chevy Chase Master Credit Card Trust II (the "Trust")
during the previous month.  The information that is required to be prepared
with respect to the March 16, 1998, Distribution Date (referred to herein as
the "Distribution Date"), and with respect to the performance of the Trust
during the February, 1998, Monthly Period (referred to herein as the
Monthly Period") is set forth below.  Certain of the information is 
presented on the basis of an original principal amount of $1,000 per
Series 1996-A Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust as a whole. 
Capitalized terms used in this Monthly Statement have their respective
meanings set forth in the Pooling and Servicing Agreement.


A)   Information Regarding Distributions to
     the Class A Certificateholders, per
     $1,000 original certificate principal amount.

     (1)   The total amount of the
     distribution to Class A
     Certificateholders, per $1,000 
     original certificate principal amount                 $      4.3312500

     (2)   The amount of the distribution 
     set forth in paragraph 1 above in
     respect of interest on the Class A
     Certificates, per $1,000 original
     certificate principal amount                          $      4.3312500

     (3)   The amount of the distribution 
     set forth in paragraph 1 above in
     respect of principal of the Class A
     Certificates, per $1,000 original
     certificate principal amount                          $      0.0000000

B)   Class A Investor Charge Offs and
     Reimbursement of Charge Offs

     (1)   The amount of Class A Investor
     Charge Offs                                           $      0.0000000

     (2)   The amount of Class A Investor
     Charge Offs set forth in paragraph 1
     above, per $1,000 original certificate
     principal amount                                      $      0.0000000

     (3)   The total amount reimbursed in 
     respect of Class A Investor Charge Offs               $      0.0000000

     (4)   The amount set forth in paragraph
     3 above, per $1,000 original 
     certificate principal amount                          $      0.0000000



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     (5)   The amount, if any, by which the
     outstanding principal balance of the
     Class A Certificates exceeds the Class
     A Invested Amount after giving effect
     to all transactions on such Distribution Date         $      0.0000000

C)   Information Regarding Distributions to 
     the Class B Certificateholders, per
     $1,000 original certificate principal amount.

     (1)   The total amount of the 
     distribution to Class B
     Certificatedholders, per $1,000
     original certificate principal amount                 $      4.5000000

     (2)   The amount of the distribution
     set forth in paragraph 1 above in 
     respect of interest on the Class B 
     Certificates, per $1,000 original 
     cerificate principal amount                           $      4.5000000

     (3)   The amount of the distribution
     set forth in paragraph 1 above in 
     respect of principal on the Class B 
     Certificates, per $1,000 original 
     cerificate principal amount                           $      0.0000000

D)   Class B Investor Charge Offs and
     Reimbursement of Charge Offs

     (1)   The amount of Class B Investor 
     Charge Offs                                           $      0.0000000

     (2)   The amount of Class B Investor
     Charge Offs set forth in paragraph 1
     above, per $1,000 original certificate 
     principal amount                                      $      0.0000000

     (3)   The total amount reimbursed in 
     respect of Class B Investor Charge Offs               $      0.0000000

     (4)   The amount set forth in paragraph 
     3 above, per $1,000 original 
     certificate principal amount                          $      0.0000000

     (5)   The amount, if any, by which the 
     outstanding principal balance of the
     Class B Certificates exceeds the Class
     B Invested Amount after giving effect 
     to all transactions on such
     Distribution Date                                     $      0.0000000


                         CHEVY CHASE BANK, F.S.B.,
                           Servicer
                                  Mark A. Holles
                         By  ________________________
                                  Mark A. Holles
                                  Vice President