Exhibit 99.3

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                      MONTHLY CERTIFICATEHOLDERS' STATEMENT

                         CC MASTER CREDIT CARD TRUST II
               (Formerly Chevy Chase Master Credit Card Trust II)
                                  SERIES 1995-C

         Pursuant to the Pooling and Servicing Agreement dated as of June 1,
1995, (the "Pooling and Servicing Agreement"), among First USA Bank, NA, as
Transferor and Servicer ("First USA"), First USA Bank, NA, as Transferor, and
Bankers Trust Company, as trustee (the "Trustee"), First USA, as Servicer, is
required to prepare certain information each month regarding current
distributions to Certificateholders and the performance of the CC Master Credit
Card Trust II (the "Trust") during the previous month. The information which is
required to be prepared with respect to the Distribution Date of January 18,
2000, and with respect to the performance of the Trust during the month of
December, 1999, is set forth below. Certain of the information is presented on
the basis of an original principal amount of $1,000 per Series 1995-C
Certificate (a "Certificate"). Certain other information is presented based on
the aggregate amounts for the Trust as a whole. Capitalized terms used in this
Monthly Statement have their respective meanings set forth in the Pooling and
Servicing Agreement.

    A)       Information Regarding Distributions to
             the Class A Certificateholders, per
             $1,000 original certificate principal amount.

             (1)  The total amount of the
             distribution to Class A
             Certificateholders, per $1,000
             original certificate principal amount               $     6.3490278

             (2)  The amount of the distribution
             set forth in paragraph 1 above in
             respect of interest on the Class A
             Certificates, per $1,000 original
             certificate principal amount                        $     6.3490278

             (3)  The amount of the distribution
             set forth in paragraph 1 above in
             respect of principal of the Class A
             Certificates, per $1,000 original
             certificate principal amount                        $     0.0000000




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    B)       Class A Investor Charge Offs and
             Reimbursement of Charge Offs

             (1) The amount of Class A Investor
             Charge Offs                                         $     0.0000000

             (2) The amount of Class A Investor
             Charge Offs set forth in paragraph 1
             above, per $1,000 original certificate
             principal amount                                    $     0.0000000

             (3) The total amount reimbursed in
             respect of Class A Investor Charge Offs             $     0.0000000

             (4) The amount set forth in paragraph
             3 above, per $1,000 original
             certificate principal amount                        $     0.0000000

             (5) The amount, if any, by which the
             outstanding principal balance of the
             Class A Certificates exceeds the Class
             A Invested Amount after giving effect
             to all transactions on such Distribution Date       $     0.0000000

    C)       Information Regarding Distributions to
             the Class B Certificateholders, per
             $1,000 original certificate principal amount.

             (1) The total amount of the
             distribution to Class B
             Certificatedholders, per $1,000
             original certificate principal amount               $     6.4670834

             (2) The amount of the distribution
             set forth in paragraph 1 above in
             respect of interest on the Class B
             Certificates, per $1,000 original
             cerificate principal amount                         $     6.4670834

             (3) The amount of the distribution
             set forth in paragraph 1 above in
             respect of principal on the Class B
             Certificates, per $1,000 original
             cerificate principal amount                         $     0.0000000



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    D)       Class B Investor Charge Offs and
             Reimbursement of Charge Offs

             (1) The amount of Class B Investor
             Charge Offs                                         $     0.0000000

             (2) The amount of Class B Investor
             Charge Offs set forth in paragraph 1
             above, per $1,000 original certificate
             principal amount                                    $     0.0000000

             (3) The total amount reimbursed in
             respect of Class B Investor Charge Offs             $     0.0000000

             (4) The amount set forth in paragraph
             3 above, per $1,000 original
             certificate principal amount                        $     0.0000000

             (5) The amount, if any, by which the
             outstanding principal balance of the
             Class B Certificates exceeds the Class
             B Invested Amount after giving effect
             to all transactions on such
             Distribution Date                                   $     0.0000000


                                          First USA Bank, NA,
                                          as Servicer


                                          By:  /s/ Tracie H. Klein
                                               -------------------------------
                                               Tracie H. Klein
                                               First Vice President