08/99                                                               Exhibit 99.3

                      MONTHLY CERTIFICATEHOLDERS' STATEMENT

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


           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 Bank, NA, 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 September 15,
1999, and with respect to the performance of the Trust during the month of
August, 1999, is set forth below. Certain of the information is presented on the
basis of an original principal amount of $1,000 per Series 1995-C 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         $     4.6072917

                  (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                  $     4.6072917

                  (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

                  (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
                  Certificateholders, per $1,000
                  original certificate principal amount         $     4.7114584

                  (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
                  certificate principal amount                  $     4.7114584

                  (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
                  certificate 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


                                             First USA Bank, NA,
                                             as Servicer

                                                 /s/ Tracie H. Klein
                                             By  ______________________________
                                                    Tracie H. Klein
                                                    First Vice President