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 April 17, 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
Basis of $1,000 Original Certificate Principal Amount)
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 $5.66
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
7. The amount of the currently monthly distribution in respect of
Class B Monthly Interest $5.76
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 $5.87
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
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 $49,579,025.84
(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 $2,916,413.28
(c) The aggregate amount of Collections of Principal
Receivables processed during the related Monthly Period
which are allocated in respect of the Collateral Interest $3,055,290.11
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 $2,512,889,299.43
(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
(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 19.4997%
(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 19.4997%
(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%
(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: $25,278,707.71 0.9927%
(b) 60 - 89 days: $15,903,966.48 0.6246%
(c) 90 - or more days: $28,560,535.68 1.1216%
Total: $69,743,209.87 2.7389%
4. Investor Default Amount
(a) The Aggregate Investor Default Amount for the related Monthly Period $1,837,795.79
(b) The Class A Investor Default Amount for the related Monthly Period $1,640,232.75
(c) The Class B Investor Default Amount for the related Monthly Period $96,484.28
(d) The Collateral Default Amount for the related Monthly Period $101,078.77
5. Investor Charge Offs
(a) The aggregate amount of Class A Investor Charge-Offs for the related
Monthly Period $0.00
(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
(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
(b) The amount of Reallocated Class B Principal Collections with respect to
this Distribution 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 $6,311,695.43
(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 $371,276.20
(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 $388,956.02
9. Principal Funding Amount
(a) The principal amount on deposit in the Principal Funding Account on the
related Transfer Date $0.00
(b) The Accumulation Shortfall with respect to the related Monthly Period $0.00
(c) The Principal Funding Investment 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
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
12. Available Funds
(a) The amount of Class A Available Funds on deposit in the
Finance Charge Account on the related Transfer Date $6,311,695.43
(b) The amount of Class B Available Funds on deposit in the
Finance Charge Account on the related Transfer Date $371,276.20
(c) The amount of Collateral Available Funds on deposit in the
Finance Charge Account on cthe related Transfer Date $388,956.02
13. Portfolio Yield
(a) The Portfolio Yield for the related Monthly Period 13.5619%
(b) The Portfolio Adjusted Yield for the related Monthly Period 4.3123%
F. Floating Rate Determinations
1. LIBOR for the interest Period ending on this Distribution Date
3/15/2000-4/17/2000 6.00375%
The First National Bank
of Atlanta
Servicer
By: Michael L. Scheuerman
Title: Senior Vice President