FIRST NATIONAL BANK OF ATLANTA
8-K, 2000-06-21
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

                Date of Report (Date of earliest event reported):
                                  May 31, 2000

                       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
    -------------               ---------------             -----------------
   (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

<PAGE>

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

                      See Index to Exhibits immediately following signatures.

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)
              (Originator of the Wachovia Credit Card Master Trust)



     Dated: June 16, 2000                              By:  Donald K. Truslow
                                                       Title:  Comptroller



                                                      INDEX TO EXHIBITS


       Exhibit
       Number                                              Exhibit

        28.1          Series 1995-1 Monthly Servicing Certificate - May 31, 2000
        28.2          Monthly Series 1995-1 Certificateholders' Statement -
                      May 31, 2000
        28.3          Series 1999-1 Monthly Servicing Certificate - May 31, 2000
        28.4          Monthly Series 1999-1 Certificateholders' Statement -
                      May 31, 2000
        28.5          Series 1999-2 Monthly Servicing Certificate - May 31, 2000
        28.6          Monthly Series 1999-2 Certificateholders' Statement -
                      May 31, 2000



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