FIRST OMNI BANK CREDIT CARD MASTER TRUST
8-K, 2000-07-31
ASSET-BACKED SECURITIES
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                       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


                                     JULY  17,  2000
                ------------------------------------------------
              DATE  OF  REPORT  (DATE  OF  EARLIEST  EVENT  REPORTED)


                      BANK  OF  AMERICA  NATIONAL  ASSOCIATION  (USA)

                                ON  BEHALF  OF  THE
                    FIRST  OMNI  BANK  CREDIT  CARD  MASTER  TRUST
             ------------------------------------------------------
             (EXACT  NAME  OF  REGISTRANT  AS  SPECIFIED  IN  ITS  CHARTER)


                   U.S.A.               0-23973              86-0645265
       ----------------------------------------------------------------------
       (STATE OR OTHER JURISDICTION   (COMMISSION         (I.R.S.  EMPLOYER
        OF  INCORPORATION)             FILE  NUMBER)      IDENTIFICATION NUMBER)


       1825  EAST  BUCKEYE  ROAD
       PHOENIX,  ARIZONA                                           85034
       ----------------------------------------------------------------------
       (ADDRESS  OF  PRINCIPAL  EXECUTIVE  OFFICES)                 (ZIP  CODE)


                                  (704)  386-4103
      --------------------------------------------------------------------
              (REGISTRANT'S  TELEPHONE  NUMBER,  INCLUDING  AREA  CODE)

                                      N/A
      --------------------------------------------------------------------
         (FORMER  NAME  OR  FORMER  ADDRESS,  IF  CHANGED  SINCE  LAST  REPORT)

<PAGE>

    ITEM  7.  EXHIBITS.
             --------

    (C)      EXHIBITS

EXHIBIT
NUMBER       DESCRIPTION
-------      -----------

 20          MONTHLY  SERIES  1996-A  CERTIFICATEHOLDERS'  STATEMENT  FOR  THE
             JULY  17,  2000  DISTRIBUTION  DATE  AND  THE  RELATED  MONTHLY
             PERIOD.

 99.1        TRANSFER  AND  ASSUMPTION AGREEMENT, DATED AS OF FEBRUARY 25, 1998,
             AMONG  FIRST  OMNI BANK, N.A., BANK OF AMERICA NATIONAL ASSOCIATION
             (USA)  AND THE BANK OF NEW YORK, AS TRUSTEE (INCORPORATED HEREIN BY
             REFERENCE  TO  EXHIBIT  4.1  TO CURRENT REPORT ON FORM 8-K OF FIRST
             OMNI  BANK,  N.A.  (FILE  NO.  0-20755),  FILED  ON  MARCH 6, 1998)

<PAGE>

                                   SIGNATURES


         PURSUANT TO THE  REQUIREMENTS  OF THE SECURITIES  EXCHANGE ACT OF 1934,
AS  AMENDED,  THE  REGISTRANT  HAS DULY  CAUSED  THIS REPORT TO BE SIGNED ON ITS
BEHALF  BY  THE  UNDERSIGNED  HEREUNTO  DULY  AUTHORIZED.

                      FIRST  OMNI  CREDIT  CARD  MASTER  TRUST

                      BY:  BANK  OF  AMERICA  NATIONAL  ASSOCIATION  (USA)

                      TRANSFEROR  AND  SERVICER



                      BY  /S/  VICTORIA  J.  JAHANBANI
                         ------------------------------
                         NAME:   VICTORIA  J.  JAHANBANI
                         TITLE:  SENIOR  VICE  PRESIDENT

DATE:  JULY  17,  2000

<PAGE>

                               INDEX  TO  EXHIBITS

EXHIBIT
NUMBER     EXHIBIT  DESCRIPTION
--------   -------------------

 20        MONTHLY  SERIES  1996-A  CERTIFICATEHOLDERS'  STATEMENT  FOR  THE
           JULY  17,  2000  DISTRIBUTION  DATE  AND  THE RELATED MONTHLY PERIOD.

 99.1      TRANSFER  AND  ASSUMPTION  AGREEMENT,  DATED AS OF FEBRUARY 25, 1998,
           AMONG  FIRST  OMNI  BANK,  N.A., BANK OF AMERICA NATIONAL ASSOCIATION
           (USA)  AND  THE  BANK OF NEW YORK, AS TRUSTEE (INCORPORATED HEREIN BY
           REFERENCE  TO  EXHIBIT  4.1  TO  CURRENT  REPORT ON FORM 8-K OF FIRST
           OMNI  BANK,  N.A.  (FILE  NO.  0-20755),  FILED  ON  MARCH  6,  1998)



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