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):
September 30, 1999
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
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(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
Exhibit Index appears on Page 4
Page 1
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
(c) Exhibits
28.1 Series 1995-1 Monthly Servicing Certificate -
September 30, 1999
28.2 Monthly Series 1995-1 Certificateholders' Statement -
September 30, 1999
28.3 Series 1999-1 Monthly Servicing Certificate -
September 30, 1999
28.4 Monthly Series 1999-1 Certificateholders' Statement -
September 30, 1999
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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
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(Registrant)
(Originator of the Wachovia Credit Card Master Trust)
Dated: November 3, 1999 By: Donald K. Truslow
Title: Comptroller
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INDEX TO EXHIBITS
SEQUENTIALLY
Exhibit NUMBERED
Number Exhibit PAGES
------ ------- -----
28.1 Series 1995-1 Monthly Servicing Certificate - September 30, 1999 1-7
28.2 Monthly Series 1995-1 Certificateholders' Statement - September 30, 1999 1-10
28.3 Series 1999-1 Monthly Servicing Certificate - September 30, 1999 1-7
28.4 Monthly Series 1999-1 Certificateholders' Statement - September 30, 1999 1-10
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