PRUDENTIAL BANK & TRUST CO /GA/
8-K, 1997-06-11
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      June 15,1997                              

PBT MASTER CREDIT CARD TRUST II SERIES B          
(Exact name of registrant as specified in 
Department of the Treasury, Internal Revenue 
Service Form SS-4)

THE PRUDENTIAL BANK AND TRUST COMPANY
(Servicer of the Trust)
(Exact name as specified in Servicer's charter)

Georgia (State or other jurisiction of 
incorporation of of Master Servicer)
33-47311
(Commission File Number of Registrant)			
		
58-0513395
(IRS Employer Identification
Number of	Registrant)


One Ravinia Drive,  Suite 1000,  
Atlanta, Georgia 30346
(Address of principal executive offices of                   
(Zip Code)
Master Servicer)

Servicer's telephone number, including 
area code  
 770-604-7033



Item 5.	Other Events.

On or about June 15,1997, principal and 
interest in accordance with the 
Pooling and Servicing Agreement dated as of 
August 1, 1994 (the "Agreement"), among The 
Prudential Bank and Trust Company, as 
trustee (the "Trustee"), were distributed
 to holders ("Certificateholders") 
with the variable rate Credit Card 
Receivables Certificates evidencing 
undivided fractional interests in PBT Master 
Credit Card Trust II in accordance with 
the Agreement.  A copy of the monthly 
Certificateholders' Statement, as defined 
in the Agreement, was furnished to each 
Certificateholder in accordance with the 
Agreement.  A copy of the Monthly 
Certificateholders' Statement is being 
filed as Exhibit 99 to this Current Report 
on Form 8-K.		

Item 7(c).	Exhibits

Exhibit No.
99	Monthly Certificateholders Statement with 
respect to the June 15,1997 distribution. 	



SIGNATURES

Pursuant to the requirements of the 
Securities Exchange Act of 1934, the 
registrant has caused this report to be 
signed on its behalfby the undersigned 
hereunto duly authorized.

	

Date:	June 15,1997

PBT MASTER CREDIT CARD TRUST II SERIES B
By: THE PRUDENTIAL BANK AND TRUST COMPANY, as Servicer


by:   				                     
Name:   Richard C. Keene
Title:	   Senior Vice President



INDEX TO EXHIBITS

Exhibit No.				Description		Page

99			Monthly Certificateholders 		B-1
			Statement with respect to the 
			June 15,1997 distribution. 



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      June 15,1997                              

PBT MASTER CREDIT CARD TRUST II SERIES B          
(Exact name of registrant as specified in 
Department of the Treasury, Internal Revenue 
Service Form SS-4)

THE PRUDENTIAL BANK AND TRUST COMPANY
(Servicer of the Trust)
(Exact name as specified in Servicer's charter)

Georgia (State or other jurisiction of 
incorporation of of Master Servicer)
33-47311
(Commission File Number of Registrant)			
		
58-0513395
(IRS Employer Identification
Number of	Registrant)


One Ravinia Drive,  Suite 1000,  
Atlanta, Georgia 30346
(Address of principal executive offices of                   
(Zip Code)
Master Servicer)

Servicer's telephone number, including 
area code  
 770-604-7033



Item 5.	Other Events.

On or about June 15,1997, principal and 
interest in accordance with the 
Pooling and Servicing Agreement dated as of 
August 1, 1994 (the "Agreement"), among The 
Prudential Bank and Trust Company, as 
trustee (the "Trustee"), were distributed
 to holders ("Certificateholders") 
with the variable rate Credit Card 
Receivables Certificates evidencing 
undivided fractional interests in PBT Master 
Credit Card Trust II in accordance with 
the Agreement.  A copy of the monthly 
Certificateholders' Statement, as defined 
in the Agreement, was furnished to each 
Certificateholder in accordance with the 
Agreement.  A copy of the Monthly 
Certificateholders' Statement is being 
filed as Exhibit 99 to this Current Report 
on Form 8-K.		

Item 7(c).	Exhibits

Exhibit No.
99	Monthly Certificateholders Statement with 
respect to the June 15,1997 distribution. 	



SIGNATURES

Pursuant to the requirements of the 
Securities Exchange Act of 1934, the 
registrant has caused this report to be 
signed on its behalfby the undersigned 
hereunto duly authorized.

	

Date:	June 15,1997

PBT MASTER CREDIT CARD TRUST II SERIES B
By: THE PRUDENTIAL BANK AND TRUST COMPANY, as Servicer


by:   				                     
Name:   Richard C. Keene
Title:	   Senior Vice President



INDEX TO EXHIBITS

Exhibit No.				Description		Page

99			Monthly Certificateholders 		B-1
			Statement with respect to the 
			June 15,1997 distribution. 




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