SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15 (D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                Date of Report (Date of earliest event reported):
                                November 30, 2000

                       THE FIRST NATIONAL BANK OF ATLANTA
             (Exact name of Registrant as specified in its charter)
              (Originator of the Wachovia Credit Card Master Trust)

    United States                     33-95714                     22-2716130
    United States                     33-99442-01                  22-2716130
   (State or other                   (Commission              (I.R.S. Employer
   Jurisdiction of                  File Number)            Identification No.)
   Incorporation)

                                  77 Read's Way
                          New Castle Corporate Commons
                           New Castle, Delaware 19720
                    (Address of principal executive offices)

       Registrant's telephone number, including area code: (302) 323-2359


Item 5.  Other Events
         The Registrant hereby incorporates by reference the
         information contained in Exhibit 28 hereto in response to
         this Item 5.

Item 7.  Financial Statements, Pro Forma Financial Statements and Exhibits
                      See separate index to exhibits.

SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
             the registrant has duly caused this report to be signed on its
             behalf by the undersigned hereunto duly authorized.

                       THE FIRST NATIONAL BANK OF ATLANTA
                                  (Registrant)
              (Originator of the Wachovia Credit Card Master Trust)

   Dated: December 20, 2000                          By:  David L. Gaines
                                                     Title: Comptroller

                                INDEX TO EXHIBITS
Exhibit
Number                                       Exhibit

 28.1    Series 1999-1 Monthly Servicing Certificate - November 30, 2000
 28.2    Monthly Series 1999-1 Certificateholders' Statement - November 30, 2000
 28.3    Series 1999-2 Monthly Servicing Certificate - November 30, 2000
 28.4    Monthly Series 1999-2 Certificateholders' Statement - November 30, 2000
 28.5    Series 2000-1 Monthly Servicing Certificate - November 30, 2000
 28.6    Monthly Series 2000-1 Certificateholders' Statement - November 30, 2000