EXHIBIT 28.2
MONTHLY SERIES
1995-1
CERTIFICATEHOLDERS' STATEMENT
THE FIRST NATIONAL BANK OF ATLANTA
___________________________________________________
WACHOVIA CREDIT CARD MASTER TRUST
___________________________________________________
Listed below is the information which is required to be prepared with
respect to the distribution date of January 18, 2000 and with respect to the
performance of the Trust during the related Monthly period.
Capitalized terms used in this Statement have their respective meanings
set forth in the Pooling and Servicing Agreement.
D. Information Regarding the Current Monthly Distribution (Stated on the
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Basis of $1,000 Original Certificate Principal Amount)
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1. The amount of the current monthly
distribution in respect of Class A
Monthly Principal $0.00
2. The amount of the currently monthly
distribution in respect of Class B
Monthly Principal $0.00
3. The amount of the currently monthly
distribution in respect of Collateral
Monthly Principal $0.00
4. The amount of the currently monthly
distribution in respect of Class A
Monthly Interest $6.26
5. The amount of the currently monthly
distribution in respect of Class A
Deficiency Amounts $0.00
6. The amount of the currently monthly
distribution in respect of Class A
Additional Interest $0.00
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7. The amount of the currently monthly
distribution in respect of Class B
Monthly Interest $6.36
8. The amount of the currently monthly
distribution in respect of Class B
Deficiency Amounts $0.00
9. The amount of the currently monthly
distribution in respect of Class B
Additional Interest $0.00
10. The amount of the currently monthly
distribution in respect of Collateral
Monthly Interest $6.48
11. The amount of the currently monthly
distribution in respect of any accrued
and unpaid Collateral Monthly Interest $0.00
E. Information Regarding the Performance of the Trust
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1. Collection of Principal Receivables
-----------------------------------
(a) The aggregate amount of
Collections of Principal
Receivables processed during
the related Monthly Period
which were allocated in respect
of the Class A Certificates $45,415,276.18
(b) The aggregate amount of
Collections of Principal
Receivables processed during
the related Monthly Period
which were allocated in respect
of the Class B Certificates $2,671,486.83
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(c) The aggregate amount of
Collections of Principal
Receivables processed during
the related Monthly Period
which are allocated in respect
of the Collateral Interest $ 2,798,700.49
2. Principal Receivables in the Trust
----------------------------------
(a) The aggregate amount of
Principal Receivables in
the Trust as of the end
of the day on the last
day of the related Monthly Period $2,691,743,243.95
(b) The amount of Principal
Receivables in the Trust
represented by the Investor
Interest of Series 1995-1
as of the end of the day on
the last day of the related
Monthly Period $ 500,000,000.00
(c) The amount of Principal
Receivables in the Trust
represented by the Series
1995-1 Adjusted Investor
Interest as of the end of
the day on the last day of
the related Monthly Period $ 500,000,000.00
(d) The amount of Principal
Receivables in the Trust
represented by the Class A
Investor Interest as of the end
of the day on the last day of
the related Monthly Period $ 446,250,000.00
(e) The amount of Principal
Receivables in the Trust
represented by the Class A
Adjusted Investor Interest as of
the end of day on the last day
of the related Monthly Period $ 446,250,000.00
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(f) The amount of Principal
Receivables in the Trust
represented by the Class B
Investor Interest as of the
end of the day on the last day
of the related Monthly Period $ 26,250,000.00
(g) The amount of Principal
Receivables in the Trust
represented by the Collateral
Interest as of the end of the
date on the last day of the
related Monthly Period $ 27,500,000.00
(h) The Floating Investor Percentage
with respect to the related
Monthly Period 19.0092%
(i) The Class A Floating Allocation
with respect to the related
Monthly Period 89.2500%
(j) The Class B Floating Allocation
with respect to the related
Monthly Period 5.2500%
(k) The Collateral Floating Allocation
with respect to the related
Monthly Period 5.5000%
(l) The Fixed Investor Percentage
with respect to the related
Monthly Period 19.0092%
(m) The Class A Fixed Allocation
with respect to the related
Monthly Period 89.2500%
(n) The Class B Fixed Allocation
with respect to the related
Monthly Period 5.2500%
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(o) The Collateral Fixed Allocation
with respect to the related
Monthly Period 5.5000%
3. Delinquent Balances
-------------------
The aggregate amount of outstanding balances in the Accounts which were
delinquent as of the end of the day on the last day of the related
Monthly Period:
Aggregate Percentage
Account of Total
Balance Receivables
------- -----------
(a) 30 - 59 days: $26,312,601.60 0.9654%
--------------
(b) 60 - 89 days: $17,088,377.05 0.6270%
--------------
(c) 90 - or more days: $29,071,748.78 1.0666%
--------------
Total: $72,472,727.43 2.6589%
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4. Investor Default Amount
-----------------------
(a) The Aggregate Investor Default
Amount for the related Monthly
Period $ 1,981,858.86
(b) The Class A Investor Default
Amount for the related Monthly
Period $ 1,768,809.03
(c) The Class B Investor Default
Amount for the related Monthly
Period $ 104,047.59
(d) The Collateral Default Amount
for the related Monthly Period $ 109,002.24
5. Investor Charge Offs
--------------------
(a) The aggregate amount of
Class A Investor Charge-Offs
for the related Monthly Period $ 0.00
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(b) The aggregate amount of
Class A Investor Charge-Offs
set forth in 5 (a) above per
$1,000 of original Certificate
principal amount $ 0.00
(c) The aggregate amount of Class
B Investor Charge-Offs for the
related Monthly Period $ 0.00
(d) The aggregate amount of Class
B Investor Charge-Offs set forth
in 5 (c) above per $1,000 of
original certificate principal
amount $ 0.00
(e) The aggregate amount of
Collateral Charge-Offs for the
related Monthly Period $ 0.00
(f) The aggregate amount of
Collateral Charge-Offs set
forth in 5 (e) above per $1,000
of original certificate principal
amount $ 0.00
(g) The aggregate amount of Class
A Investor Charge-Offs reimbursed
on the Transfer Date immediately
preceding this Distribution Date $ 0.00
(h) The aggregate amount of Class
A Investor Charge-Offs set forth
in 5 (g) above per $1,000 original
certificate principal amount re-
imbursed on the Transfer Date
immediately preceding this
Distribution Date $ 0.00
(i) The aggregate amount of Class
B Investor Charge-Offs
reimbursed on the Transfer
Date immediately preceding this
Distribution Date $ 0.00
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(j) The aggregate amount of Class
B Investor Charge-Offs set forth
in 5 (i) above per $1,000 original
certificate principal amount re-
imbursed on the Transfer Date
immediately preceding this
Distribution Date $ 0.00
(k) The aggregate amount of
Collateral Charge-Offs reimbursed
on the Transfer Date immediately
preceding this Distribution Date $ 0.00
(l) The aggregate amount of
Collateral Charge-Offs set
forth in 5(k) above per $1,000
original certificate principal
amount reimbursed on the Transfer
Date immediately preceding
Distribution Date $ 0.00
6. Investor Servicing Fee
----------------------
(a) The amount of the Class A
Servicing Fee payable by the
Trust to the Servicer for
the related Monthly Period $ 371,875.00
(b) The amount of the Class B
Servicing Fee payable by the
Trust to the Servicer for
the related Monthly Period $ 21,875.00
(c) The amount of the Collateral
Interest Servicing Fee payable
by the Trust to the Servicer for
the related Monthly Period $ 22,916.67
7. Reallocations
-------------
(a) The amount of Reallocated
Collateral Principal
Collections with respect to
this Distribution Date $ 0.00
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(b) The amount of Reallocated
Class B Principal Collections
with respect to this Distri-
bution Date $ 0.00
(c) The Collateral Interest as
of the close of business on
this Distribution Date $ 27,500,000.00
(d) The Class B Investor Interest
as of the close of business
on this Distribution Date $ 26,250,000.00
8. Collection of Finance Charge Receivables
----------------------------------------
(a) The aggregate amount of
Collections of Finance Charge
Receivables processed during the
related Monthly Period which
were allocated in respect of
the Class A Certificate $ 6,372,127.34
(b) The aggregate amount of
Collections of Finance Charge
Receivables processed during the
related Monthly Period which
were allocated in respect of
the Class B Certificates $ 374,831.02
(c) The aggregate amount of
Collections of Finance Charge
Receivables processed during the
related Monthly Period which
were allocated in respect of
the Collateral Interest $ 392,680.12
9. Principal Funding Amount
------------------------
(a) The principal amount on
deposit in the Principal
Funding Account on the
related Transfer Date $ 0.00
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(b) The Accumulation Shortfall
with respect to the related
Monthly Period $ 0.00
(c) The Principal Funding In-
vestment Proceeds deposited
in the Finance Charge Account
on the related Transfer Date $ 0.00
(d) The amount of all or the
portion of the Reserve Draw
Amount deposited in the
Finance Charge Account on the
related Transfer Date from
the Reserve Account $ 0.00
10. Reserve Draw Amount $ 0.00
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11. Cash Collateral Account
-----------------------
(a) The principal amount on deposit in
the Cash Collateral Account on
the related Transfer Date (before
giving effect to any deposits or
withdrawals $ 10,000,000.00
(b) The Required Draw Amount on
the related Transfer Date $ 0.00
(c) The principal amount on deposit
in the Cash Collateral Account on
the related Transfer Date (after
giving effect to any deposits or
withdrawals) $ 10,000,000.00
(d) The Required Cash Collateral
Amount (after giving effect to
any deposits, withdrawals, or
payments) $ 10,000,000.00
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12. Available Funds
---------------
(a) The amount of Class A
Available Funds on deposit
in the Finance Charge Account
on the related Transfer Date $ 6,372,127.34
(b) The amount of Class B
Available Funds on deposit
in the Finance Charge Account
on the related $ 374,831.02
(c) The amount of Collateral
Available Funds on deposit in
the Finance Charge Account on
the related Transfer Date $ 392,680.12
13. Portfolio Yield
---------------
(a) The Portfolio Yield for the
related Monthly Period 13.3787%
(b) The Portfolio Adjusted Yield
for the related Monthly Period 4.1568%
F. Floating Rate Determinations
----------------------------
1. LIBOR for the interest Period
ending on this Distribution Date 6.46250%
12/15/1999-1/18/2000
The First National Bank
of Atlanta
Servicer
By: Michael L. Scheuerman
Title: Senior Vice President
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