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): February 17, 1998
FIRST OMNI BANK, N.A.
(Exact name of registrant as specified in its charter)
on behalf of the
FIRST OMNI BANK CREDIT CARD MASTER TRUST
United States
(State or other jurisdiction of incorporation or organization)
0-20755 51-0263671
(Commission File Number) (I.R.S. Employer Identification No.)
499 Mitchell Road
Millsboro, Delaware 19966
(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code:(302) 934-2000
Not Applicable
(Former name or former address, if changed since last report)
______________________________
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Item 7. Exhibits
(c) Exhibits
20 Monthly Series 1996-A Holders' Statement for the February 17,
1998 Distribution Date and the related Monthly Period.
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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 thereunto duly authorized.
Date: February 20, 1998 FIRST OMNI BANK, N.A.
By: /s/ ROBERT F. RAY
______________________
Robert F. Ray, Vice
President
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EXHIBIT INDEX
Exhibit Description Page
20 Monthly Series 1996-A Holders' 5
Statement for the February 17, 1998
Distribution Date and the related
Monthly Period