EXHIBIT 20.2

                        MONTHLY SERVICER'S CERTIFICATE
                     First USA Bank, National Association
                      First NBC Credit Card Master Trust
                                 Series 1997-1

                  For the August 10, 2001 Determination Date
                          For the 48th Monthly Period

The undersigned, a duly authorized representative of First USA Bank, National
Association, (the "Bank"), pursuant to the Pooling and Servicing Agreement (the
"Pooling and Servicing Agreement"), dated as of August 1, 1997, by and between
the Bank, as successor Transferor and Servicer to Bank One Louisiana, N.A. (as
successor to the First National Bank of Commerce ("First NBC")) and The Bank of
New York, as Trustee, does hereby certify as follows:

1.  Capitalized terms used in this Certificate have their respective meanings as
    set forth in the Pooling and Servicing Agreement; provided, that the
    "preceding Monthly Period" shall mean the Monthly Period immediately
    preceding the calendar month in which this Certificate is delivered. This
    Certificate is delivered pursuant to subsection 3.4(b) of the Pooling and
    Servicing Agreement. References herein to certain sections and subsections
    are references to the respective sections and subsections of the Pooling and
    Servicing Agreement, as amended by the applicable Series Supplement.

2.  First USA Bank, National Association, is Servicer under the Pooling and
    Servicing Agreement.

3.  The undersigned is a Servicing Officer.

4.  The date of this Certificate is August 10, 2001, which is a Determination
    Date under the Pooling and Servicing Agreement

5.  The aggregate amount of Collections processed during
    the preceding Monthly Period [equal to 5(a) plus
    5(b)] was                                                    $114,227,950.50

        (a)  The aggregate amount of Collections of Finance
             Charge Receivables collected during the preceding
             Monthly Period (the Collections of Finance Charge
             Receivables) was                                     $12,900,191.53

        (b)  The aggregate amount of Collections of Principal
             Receivables collected during the preceding Monthly
             Period (the Collections of Principal Receivables)
             was                                                 $101,327,758.97

6.  The aggregate amount of Receivables as of the end of the
    last day of the preceding Monthly Period was                 $834,642,849.02

7.  Included is an authentic copy of the statements required
    to be delivered by the Servicer on the date of this
    Certificate to the Paying Agent pursuant to Article V.

8.  To the knowledge of the undersigned, there are no liens on
    any Receivables in the Trust except as described below:

    None.

9.  The amount, if any, by which the sum of the balance of the
    Excess Funding Account and the Aggregate Principal Receivables
    exceeds the Minimum Aggregate Principal Receivables required
    to be maintained pursuant to the Pooling and Servicing
    Agreement, is equal to                                       $118,993,910.63

10. The amount, if any, of the withdrawal of the Specified Deposit
    from the Finance Charge Account required to be made by the
    Trustee pursuant to subsection 4.3(a) of the Pooling and
    Servicing Agreement on the related Transfer Date is                    $0.00


Monthly Servicer's Certificate.
Page 2 (all amounts in dollars except percentages)



11. Monthly Period Trust Activity
(a) Trust Activity                                               Total Trust
    ==============================================          ====================
                                                                                                  
    Beginning Aggregate Principal Receivables                   825,928,482.40
    Beginning Excess Funding Account Balance                              0.00
    Beginning Total Principal Balance                           825,928,482.40
    Collections of Finance Charge Receivables                    12,900,191.53
    Discount Percentage                                                   0.00
    Discount Option Receivables Collections                               0.00
    Net Recoveries                                                        0.00
    Total Collections of Finance Charge Receivables              12,900,191.53
    Total Collections of Principal Receivables                  101,327,758.97
    Net Default Amount                                            3,342,371.87
    Minimum Aggregate Principal Receivables Balance             700,000,000.00
    Ending Aggregate Principal Receivables                      818,993,910.63
    Ending Excess Funding Account Balance                                 0.00
    Ending Total Principal Balance                              818,993,910.63

(b) Series Allocations                                          Series 1997-1           Series 1998-1           All Series
    ==============================================          =====================================================================
    Group Number                                                      1                        2
    Investor Interest                                          300,000,000.00           400,000,000.00        700,000,000.00
    Adjusted Investor Interest                                 300,000,000.00           400,000,000.00        700,000,000.00
    Principal Funding Account Balance                                    0.00                     0.00                  0.00
    Minimum Transferor Interest                                                                                57,329,573.74

(c) Group I Allocations                                         Series 1997-1            Total Group I
    ==============================================          ==============================================
    Investor Finance Charge Collections                          4,685,705.68             4,685,705.68

    Investor Monthly Interest                                    1,513,050.00             1,513,050.00
    Investor Monthly Fees (Servicing Fee)                          375,000.00               375,000.00
    Investor Default Amounts                                     1,214,041.71             1,214,041.71
    Investor Additional Amounts                                          0.00                     0.00
    Total                                                        3,102,091.71             3,102,091.71

    Reallocated Investor Finance Charge Collections              4,685,705.68             4,685,705.68
    Available Excess                                             1,583,613.97             1,583,613.97

12. Series 1997-1 Certificates
                                                                Series 1997-1               All Other           Transferor's
(a) Investor/Transferor Allocations                 Trust          Interest                  Series             Interest
    =============================================================================================================================
    Beginning Investor/Transferor Amounts     825,928,482.40   300,000,000.00           400,000,000.00        125,928,482.40
    Beginning Adjusted Investor Interest      825,928,482.40   300,000,000.00           400,000,000.00
    Floating Investor Percentage                 100.000000%       36.322760%               48.430350%
    Fixed Investor Percentage                    100.000000%       36.322760%               48.430350%
    Collections of Finance Chg. Receivable     12,900,191.53     4,685,705.68             6,247,607.88
    Collections of Principal Receivables      101,327,758.97    36,805,038.72            49,073,388.34
    Net Default Amount                          3,342,371.87     1,214,041.71             1,618,722.39

  Ending Investor/Transferor Amounts          818,993,910.63   300,000,000.00           400,000,000.00        118,993,910.63



Monthly Servicer's Certificate.
Page 3 (all amounts in dollars except percentages)



                                                                                             Collateral
(b) Monthly Period Funding Requirements              Class A             Class B             Interest              Total
    =============================================================================================================================
                                                                                                       
    Principal Funding Account                               0.00                0.00                 0.00                 0.00
    Principal Funding Investment Proceeds                   0.00                0.00                 0.00                 0.00
    Withdrawal from Reserve Account                         0.00                0.00                 0.00                 0.00
    Available Reserve Account Amount                        0.00                0.00                 0.00                 0.00
    Required Reserve Account Amount                         0.00                0.00                 0.00                 0.00

    Coupon                                              6.15000%            6.35000%             4.43000%             6.05220%
    Floating Investor Percentage                       31.41919%            2.54259%             2.36098%            36.32276%
    Fixed Investor Percentage                          31.41919%            2.54259%             2.36098%            36.32276%
    Investor Monthly Interest                       1,329,937.50          111,125.00            71,987.50         1,513,050.00
    Overdue Monthly Interest                                0.00                0.00                 0.00                 0.00
    Additional Interest                                     0.00                0.00                 0.00                 0.00
         Total Interest Due                         1,329,937.50          111,125.00            71,987.50         1,513,050.00
    Investor Default Amounts                        1,050,146.17           84,982.81            78,912.73         1,214,041.71
    Investor Monthly Fees                             324,375.00           26,250.00            24,375.00           375,000.00
    Investor Additional Amounts                             0.00                0.00                 0.00                 0.00
         Total Due                                  2,704,458.67          222,357.81           175,275.23         3,102,091.71

                                                                                             Collateral
(c) Certificates - Balances and Distributions        Class A             Class B             Interest              Total
    =============================================================================================================================
    Beginning Investor Interest                   259,500,000.00       21,000,000.00        19,500,000.00       300,000,000.00
    Monthly Principal - Prin. Funding Account               0.00                0.00                 0.00                 0.00
    Principal Payments                                      0.00                0.00                 0.00                 0.00
    Interest Payments                               1,329,937.50          111,125.00            71,987.50         1,513,050.00
    Total Payments                                  1,329,937.50          111,125.00            71,987.50         1,513,050.00
    Ending Investor Interest                      259,500,000.00       21,000,000.00        19,500,000.00       300,000,000.00

(d) Information regarding Payments in respect of the Class A Certificates
    (per $1,000 original certificate principal amount)
    1.  Total Payment                                                                                                 5.125000
    2.  Amount of Payment in respect of Class A Monthly Interest                                                      5.125000
    3.  Amount of Payment in respect of Class A Overdue Monthly Interest                                              0.000000
    4.  Amount of Payment in respect of Class A Additional Interest                                                   0.000000
    5.  Amount of Payment in respect of Class A Principal                                                             0.000000

(e) Class A Investor Charge-Offs/Reimbursement of Class A Investor Charge-Offs
    1.  Total Amount of Class A Investor Charge-Offs                                                                      0.00
    2.  Amount of Class A Investor Charge-Offs per $1,000 original certificate principal amount                           0.00
    3.  Total amount reimbursed in respect of Class A Investor Charge-Offs                                                0.00
    4.  Amount reimbursed in respect of Class A Investor Charge-Offs per $1,000 original
        principal amount                                                                                                  0.00
    5.  The amount, if any, by which the outstanding Principal Balance of the Class A
         Certificates exceeds the Class A Adjusted Investor Interest after giving effect to all
         transactions on such Distribution Date                                                                           0.00

(f) Information regarding Payments in respect of the Class B Certificates
    (per $1,000 original certificate principal amount)
    1.  Total Payment                                                                                                 5.291667
    2.  Amount of Payment in respect of Class B Monthly Interest                                                      5.291667
    3.  Amount of Payment in respect of Class B Overdue Monthly Interest                                              0.000000
    4.  Amount of Payment in respect of Class B Additional Interest                                                   0.000000
    5.  Amount of Payment in respect of Class B Principal                                                             0.000000



Monthly Servicer's Certificate.
Page 4 (all amounts in dollars except percentages)


                                                                                                                
(g) Amount of reductions in Class B Investor Interest pursuant to clauses (c),(d) and (e) of the
    definition of Class B Investor Interest
    1.  Amount of reductions in Class B Investor Interest                                                                 0.00
    2.  Amount of reductions in Class B Investor Interest per $1,000 original certificate principal amount                0.00
    3.  Total amount reimbursed in respect of reductions of Class B Investor Interest                                     0.00
    4.  Amount reimbursed in respect of reductions of Class B Investor Interest per $1,000 original
        certficate principal amount                                                                                       0.00
    5.  The amount, if any, by which the outstanding Principal Balance of the Class B
        Certificates exceeds the Class B Investor Interest after giving effect to all
        transactions on such Distribution Date                                                                            0.00

(h) Information regarding the Distribution in respect of the Collateral Interest
    1.  Total distribution                                                                                            3.691667
    2.  Amount of distribution in respect of Collateral Monthly Interest                                              3.691667
    3.  Amount of distribution in respect of Collateral Overdue Interest                                              0.000000
    4.  Amount of distribution in respect of Collateral Monthly Principal                                             0.000000

(i) Amount of reductions in Collateral Interest pursuant to clauses (c), (d), and (e) of the
    definition of Collateral Interest
    1.  Amount of reductions in Collateral Interest                                                                       0.00
    2.  Total amount reimbursed in respect of reductions of Collateral Interest                                           0.00

(j) Application of Reallocated Investor Finance Charge Collections
    1.  Class A Available Funds                                                                                   4,053,135.71

        a.  Class A Monthly Interest                                                                              1,329,937.50
        b.  Class A Overdue Monthly Interest                                                                              0.00
        c.  Class A Additional Interest                                                                                   0.00
        d.  Class A Servicing Fee                                                                                   324,375.00
        e.  Class A Investor Default Amount                                                                       1,050,146.17
        f.    Excess Spread                                                                                       1,348,677.04

    2.  Class B Available Funds                                                                                     327,998.99

        a.  Class B Monthly Interest                                                                                111,125.00
        b.  Class B Overdue Monthly Interest                                                                              0.00
        c.  Class B Additional Interest                                                                                   0.00
        d.  Class B Servicing Fee                                                                                    26,250.00
        e.  Excess Spread                                                                                           190,623.99

    3.  Collateral Holder Available Funds                                                                           304,570.98

        a.  Excess Spread                                                                                           304,570.98

    4.  Total Excess Spread                                                                                       1,843,872.01



Monthly Servicer's Certificate.
Page 5 (all amounts in dollars except percentages)


                                                                                                               
(k) Application of Excess Spread and Excess Finance Charge Collections Allocated to Series 1997-1
    1.  Beginning Excess Spread                                                                                   1,843,872.01
    2.  Excess Finance Charge Collections                                                                                 0.00
    3.  Applied to fund Class A Required Amount                                                                           0.00
    4.  Unreimbursed Class A Investor Charge-Offs                                                                         0.00
    5.  Applied to fund Class B Required Amount                                                                      84,982.81
    6.  Reductions of Class B Investor Interest treated as Available Principal Collections                                0.00
    7.  Applied to Collateral Monthly Interest and unpaid Collateral Monthly Interest                                71,987.50
    8.  Applied to Collateral Interest Servicing Fee and any overdue Collateral Interest Servicing Fee               24,375.00
    9.  Collateral Investor Default Amount treated as Available Principal Collections                                78,912.73
    10. Reductions of Collateral Interest treated as Available Principal Collections                                      0.00
    11. Deposit to Reserve Account (if required)                                                                          0.00
    12. Applied to other amounts owed to Collateral Interest Holder                                                       0.00
    13. Balance to constitute Excess Finance Charge Collections for other series                                  1,583,613.97

13. Trust Performance
(a) Delinquencies
    1.  30-59 days                                                                                               10,500,409.55
    2.  60-89 days                                                                                                6,374,862.33
    3.  90 days and over                                                                                          9,863,776.56
    4.  Total 30+ days delinquent                                                                                26,739,048.44

(b) Base Rate
    a.  Current Monthly Period                                                                                        8.05220%
    b.  Prior Monthly Period                                                                                          8.07187%
    c.  Second Prior Monthly Period                                                                                   8.08144%
(c) Three Month Average Base Rate                                                                                     8.06851%

(d) Portfolio Yield (gross portfolio yield less net defaults)
    a.  Current Monthly Period                                                                                       13.88666%
    b.  Prior Monthly Period                                                                                         12.42824%
    c.  Second Prior Monthly Period                                                                                  12.92760%
(e) Three Month Average Portfolio Yield                                                                              13.08083%

(f) Excess Spread Percentage
    a.  Current Monthly Period                                                                                        6.33446%
    b.  Prior Monthly Period                                                                                          4.85637%
    c.  Second Prior Monthly Period                                                                                   5.34615%
(g) Three Month Average Excess Spread Percentage                                                                      5.51233%

(h) Monthly Payment Rate (total collections/beginning aggregate principal receivables)                               13.83025%

(i) Portfolio Adjusted Yield                                                                                          5.83446%



IN WITNESS WHEREOF, the undersigned has duly executed and delivered this
certificate this 10th day of August.



                        First USA Bank, National Association, as Servicer

                        By:  /s/ Tracie Klein
                           ---------------------------------------
                        Name:   Tracie Klein
                        Title:  First Vice President