EXHIBIT 99.1


                                                                          Page 1

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                          CC MASTER CREDIT CARD TRUST II 
              (Formerly Chevy Chase Master Credit Card Trust II)
                                 SERIES 1995-A

          Pursuant to the Pooling and Servicing Agreement dated as of June 1,
1995, (the "Pooling and Servicing Agreement"), among First USA Bank, NA, as
Transferor and Servicer ("First USA"), First USA, as Transferor, and Bankers
Trust Company, as trustee (the "Trustee"), First USA, as Servicer, is required
to prepare certain information each month regarding current distributions to
Certificateholders and the performance of the CC Master Credit Card Trust II
(the "Trust") during the previous month. The information which is required to be
prepared with respect to the Distribution Date of March 15, 1999, and with
respect to the performance of the Trust during the month of February, 1999 is
set forth below. Certain of the 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                                        $       3.8892225
                                                                                                  
                 (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                                                 $       3.8892225
                                                                                                  
                 (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
 

 
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      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
                                                                                                      
                 (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                                        $       3.9717225
                                                                                                      
                 (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                                                  $       3.9717225
                                                                                                      
                 (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
 

 
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      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
 

                                                    First USA Bank, NA,
                                                    as Servicer


                                                    By /s/ Tracie Klein
                                                      ------------------------
                                                           Tracie H. Klein
                                                           Vice President