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):
                                  July 15, 2001

                      THE FIRST NATIONAL BANK OF ATLANTA AS
                      TRANSFEROR AND SERVICER ON BEHALF OF
                     PARTNERS FIRST CREDIT CARD MASTER TRUST
                     ---------------------------------------
             (Exact name of Registrant as specified in its charter)

                     PARTNERS FIRST CREDIT CARD MASTER TRUST
                     ---------------------------------------
                     (Issuer with respect to the securities)

 United States                    33-95714                       22-2716130
   Deleware                     333-29495-01                     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
               None.

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

Exhibit No.    Document Description
- -----------    --------------------
    20         Monthly Servicer's Certificate

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)

Dated: July 30, 2001             By:  David L. Gaines
                                 Title:  Comptroller

                     PARTNERS FIRST CREDIT CARD MASTER TRUST
                     ---------------------------------------
                                 (Co-Registrant)

Dated: July 30, 2001             By:  THE FIRST NATIONAL BANK OF ATLANTA
                                 (Transferor and Servicer of the Co-Registrant)

                                 By:  David L. Gaines
                                 Title:  Comptroller

                                INDEX TO EXHIBITS
Exhibit
Number         Exhibit
- ------         -------
  20           Monthly Servicer's Certificate