WACHOVIA
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The First National Bank of Atlanta
Post Office Box 12485
Wilmington, Delaware 19850                                         Exhibit 99.1

                       THE FIRST NATIONAL BANK OF ATLANTA
                       WACHOVIA CREDIT CARD MASTER TRUST

The undersigned, a duly authorized representative of the First National Bank of
Atlanta ("FNBA"), as Servicer pursuant to the Pooling and Servicing Agreement
dated as of October 26, 1995 (the "Pooling and Servicing Agreement") by and
between FNBA and The Bank of New York (Delaware), as trustee (the "Trustee")
does hereby certify that:

     1.   FNBA is Servicer under the Pooling and Servicing Agreement.

     2.   The undersigned is duly authorized pursuant to the Pooling
          and Servicing Agreement to execute and deliver this Certificate to the
          Trustee.

     3.   This certificate is delivered pursuant to Section 3.5 of the Pooling
          and Servicing Agreement.

     4.   A review of the activities of the Servicer during the period of
          October 26, 1995 to October 31, 1996 was conducted under the
          supervision of the undersigned.

     5.   Based on such review, the Servicer has, to the best of the knowledge
          of the undersigned, fully performed all its obligations under the
          Pooling and Servicing Agreement throughout such period and no default
          in the performance of such obligations has occurred or is continuing
          except as set forth in paragraph 6 below.

     6.   The following is a description of each default in the performance of
          the Servicer's obligations under the provisions of the Pooling and
          Servicing Agreement, including any Supplement, known to the under-
          signed to have been made during such period which sets forth in
          detail (i) the nature of each such default, (ii) the action taken by
          the Servicer, if any, to remedy each such default and (iii) the
          current status of each such fault:

                                      None

IN WITNESS WHEREOF, the undersigned has duly executed this certificate this
27th day of November, 1996.

                                             /s/ D. G. Landrum
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                                             Douglas G. Landrum
                                             Vice President

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