CIRCUIT CITY CREDIT CARD MASTER TRUST
8-K, 2000-04-17
ASSET-BACKED SECURITIES
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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                     Pursuant to Section 13 or 15(d) of the

                         Securities Exchange Act of 1934

                         Date of Report: April 17, 2000

                      CIRCUIT CITY CREDIT CARD MASTER TRUST

             (Exact name of registrant as specified in its charter)


      United States                0-26172                 58-1897792
      -------------                -------                 ----------
     (State or other             (Commission              (IRS Employer
      jurisdiction                 File No.)           Identification No.)
    of incorporation)

              225 Chastain Meadows Court, Kennesaw, Georgia 30144
              --------------------------------------------- -----
               (Address of principal executive offices) (Zip Code)

        Registrant's telephone number, including area code: 770-423-7900

Item 5               Other Events.
                     -------------

                     The registrant distributed the Certificateholders Statement
                     for  the  month  of  March  2000  to  the   Series   1995-1
                     Certificateholders on April 17, 2000.

                     The registrant distributed the Certificateholders Statement
                     for  the  month  of  March  2000  to  the   Series   1996-1
                     Certificateholders on April 17, 2000.

                     The registrant distributed the Certificateholders Statement
                     for  the  month  of  March  2000  to  the   Series   2000-1
                     Certificateholders on April 17, 2000.


                                      - 1 -


<PAGE>



Item 7(c).           Exhibits.
                     ---------

                     The  following  is filed as an exhibit to this report under
                     Exhibit 28:


        99.1         Series 1995-1 Certificateholders Statement for the month of
                     March 2000.

        99.2         Series 1996-1 Certificateholders Statement for the month of
                     March 2000.

        99.3         Series 2000-1 Certificateholders Statement for the month of
                     March 2000.





                                    Signature

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.

                                            CIRCUIT CITY CREDIT CARD
                                            MASTER TRUST


                                            By:       FIRST NORTH AMERICAN
                                                      NATIONAL BANK, as
                                                      Transferor and Servicer

                                            By:
                                                      Michael T. Chalifoux
                                                      Chairman of the Board

Date:      April 17, 2000

                                       -2-


<PAGE>



                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    EXHIBITS

                                       TO

                                    FORM 8-K

                      CIRCUIT CITY CREDIT CARD MASTER TRUST


<PAGE>


                                INDEX TO EXHIBITS

        Exhibit
        Number          Exhibit


        99.1            Series 1995-1 Certificateholders Statement for the month
                        of March 2000.


        99.2            Series 1996-1 Certificateholders Statement for the month
                        of March 2000.

        99.3            Series 2000-1 Certificateholders Statement for the month
                        of March 2000.


                  FORM OF MONTHLY CERTIFICATEHOLDER'S STATEMENT

                       FIRST NORTH AMERICAN NATIONAL BANK

 -------------------------------------------------------------------------------
 -------------------------------------------------------------------------------

                      CIRCUIT CITY CREDIT CARD MASTER TRUST
                                  SERIES 1995-1

 -------------------------------------------------------------------------------
 -------------------------------------------------------------------------------


Pursuant  to the Master  Pooling  and  Servicing  Agreement  dated as of October
4,1994 (as amended or supplemented,  the "Pooling and Servicing Agreement"),  as
supplemented by the Series 1995-1 Supplement, dated as of September 7, 1995 (the
"Supplement"  and,  together  with the  Pooling  and  Servicing  Agreement,  the
"Agreement"), each between First North American National Bank, as Transferor and
Servicer,  and Bankers Trust  Company,  as Trustee,  the Servicer is required to
prepare   certain   information   each   month   regarding    distributions   to
Certificateholders  and the  performance  of the  Trust.  The  information  with
respect to the applicable Distribution Date and Due Period is set forth below:


Due Period Ending                                               March 31, 2000
Determination Date                                              April 7, 2000
Distribution Date                                               April 17, 2000

Class A Accumulation Period ("Y" or "N")?                               Y
Class B Accumulation Period ("Y" or "N")?                               N
Early Amortization Period ("Y" or "N")?                                 N
Class B Investor Amount paid in full ("Y" or "N")?                      N
Sharing Principal Collections with another Series ("Y" or "N")?         N
<TABLE>
<S> <C>

MASTER TRUST INFORMATION

Receivables

1.   The aggregate amount of Eligible Receivables as of the end of
     the last day of the relevant Due Period                                    $     1,182,794,205.06

2.   The aggregate amount of Principal Receivables as of the end
     of the last day of the relevant Due Period                                 $     1,156,303,269.57

3.   The aggregate amount of Finance Charge Receivables as of
     the end of the last day of the relevant Due Period                         $        26,490,935.49

4.   The aggregate amount of Discount Option Receivables as of
     the last day of the relevant Due Period                                    $                 0.00

5.   The Transferor Amount as of the end of the last day of the
     relevant Due Period                                                        $       148,202,581.42

6.   The minimum Transferor Amount as of the end of the last
     day of the relevant Due Period                                             $                 0.00

7.   The Excess Funding Account Balance as of the end of the
     last day of the relevant Due Period                                        $                 0.00

8.   The aggregate principal balance of Receivables determined to be
     Receivables of Defaulted Accounts for the relevant Due Period              $         7,500,034.52

9.   The aggregate amount of Recoveries for the relevant Due Period             $         2,598,065.09

10.  The Default Amount for the relevant Due Period                             $         4,901,969.43

Collections

11.  The aggregate amount of Collections of Principal Receivables
     for the relevant Due Period                                                $       167,583,480.96

12.  The aggregate amount of Collections of Finance Charge
     Receivables for the relevant Due Period                                    $        22,147,184.14

13.  The aggregate amount of interest earnings (net of losses
     and investment expenses) on the Excess Funding
     Account for the relevant Due Period                                        $                 0.00

14.  The aggregate amount of Collections processed for the relevant
     Due Period (sum of lines 9+11+12+13)                                       $       192,328,730.19

15.  The average Discount Percentage for the relevant Due Period                %                 0.00%

Invested Amounts

16.  The Series 1995-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $        89,400,688.15
               b.  Class B                                                      $        30,000,000.00
               c.  Collateral Indebtedness Interest                             $        39,000,000.00
               d.  Class D                                                      $        15,000,000.00
                                                                                 ---------------------
               e.  Total Invested Amount (sum of a - d)                         $       173,400,688.15

17.  The Series 1996-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $       162,000,000.00
               b.  Class B                                                      $        22,500,000.00
               c.  Collateral Indebtedness Interest                             $        29,250,000.00
               d.  Class D                                                      $        11,250,000.00
                                                                                 ---------------------
               e.  Total Invested Amount (sum of a - d)                         $       225,000,000.00

18.  The Series 1998-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $                 0.00
               b.  Class B                                                      $                 0.00
                                                                                 ---------------------
               c.  Total Invested Amount (sum of a - b)                         $                 0.00

19.  The Series 1998-2 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $                 0.00
               b.  Class B                                                      $                 0.00
                                                                                 ---------------------
               c.  Total Invested Amount (sum of a - b)                         $                 0.00

20.  The Series 1999-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $       104,000,000.00
               b.  Class B                                                      $         5,700,000.00
                                                                                 ---------------------
               c.  Total Invested Amount (sum of a - b)                         $       109,700,000.00

21.  The Series 2000-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $       365,000,000.00
               b.  Class B                                                      $        57,500,000.00
               c.  Collateralized Trust Obligation                              $        47,500,000.00
               d.  Class D                                                      $        30,000,000.00
                                                                                 ---------------------
               e.  Total Invested Amount (sum of a - d)                         $       500,000,000.00

22.  The aggregate Invested Amount across all series of Investor
     Certificates outstanding as of the end of the last day of the
     relevant Due Period                                                        $     1,008,100,688.15

Investor Amounts

23.  The Series 1995-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $       216,000,000.00
               b.  Class B                                                      $        30,000,000.00
               c.  Collateral Indebtedness Interest                             $        39,000,000.00
               d.  Class D                                                      $        15,000,000.00
                                                                                 ---------------------
               e.  Total Investor Amount (sum of a - d)                         $       300,000,000.00

24.  The Series 1996-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $       162,000,000.00
               b.  Class B                                                      $        22,500,000.00
               c.  Collateral Indebtedness Interest                             $        29,250,000.00
               d.  Class D                                                      $        11,250,000.00
                                                                                 ---------------------
               e.  Total Investor Amount (sum of a - d)                         $       225,000,000.00

25.  The Series 1998-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $                 0.00
               b.  Class B                                                      $                 0.00
               c.  Pre-Funding Account Balance                                  $                 0.00
                                                                                 ---------------------
               d.  Total Investor Amount (sum of a - c)                         $                 0.00

26.  The Series 1998-2 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $                 0.00
               b.  Class B                                                      $                 0.00
                                                                                 ---------------------
               c.  Total Investor Amount (sum of a - b)                         $                 0.00

27.  The Series 1999-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $       104,000,000.00
               b.  Class B                                                      $         5,700,000.00
                                                                                 ---------------------
               d.  Total Investor Amount (sum of a - c)                         $       109,700,000.00

28.  The Series 2000-1 Adjusted Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $       365,000,000.00
               b.  Class B                                                      $        57,500,000.00
               c.  Collateralized Trust Obligation                              $        47,500,000.00
               d.  Class D                                                      $        30,000,000.00
                                                                                 ---------------------
               e.  Total Adjusted Invested Amount (sum of a - d)                $       500,000,000.00

29.  The aggregate Investor Amount across all series of Investor
     Certificates outstanding as of the end of the last day of the
     relevant Due Period                                                        $       634,700,187.00

Series 1995-1 Allocation Percentages

30.  The Fixed Percentage with respect to the relevant
     Due Period
               a.  Class A                                                      %                17.90%
               b.  Class B                                                      %                 2.49%
               c.  Collateral Indebtedness Interest                             %                 3.23%
               d.  Class D                                                      %                 1.24%
               e.  Series 1995-1 Total                                                           24.86%

31.  The Floating Percentage with respect to the relevant
     Due Period
               a.  Class A                                                      %                 8.91%
               b.  Class B                                                      %                 2.49%
               c.  Collateral Indebtedness Interest                             %                 3.23%
               d.  Class D                                                      %                 1.24%
               e.  Series 1995-1 Total                                                           15.87%

Allocation of Collections

32.  The Series 1995-1 allocation of Collections of Principal
     Receivables for the relevant Due Period (line 30 times
     line 11)
               a.  Class A                                                      $        30,000,215.97
               b.  Class B                                                      $         4,166,696.66
               c.  Collateral Indebtedness Interest                             $         5,416,705.66
               d.  Class D                                                      $         2,083,348.33
               e.  Series 1995-1 Total                                          $        41,666,966.62

33.  The Series 1995-1 allocation of Collections of Finance
     Charge Receivables for the relevant Due Period (line 30
     times line 12)
               a.  Class A                                                      $         1,973,795.15
               b.  Class B                                                      $           550,654.50
               c.  Collateral Indebtedness Interest                             $           715,850.85
               d.  Class D                                                      $           275,327.25
               e.  Series 1995-1 Total                                          $         3,515,627.75

Portfolio Yield and Delinquencies

34.  The Portfolio Yield for the relevant Due Period (including
     Shared Excess Finance Charge Collections, if allocated)
     with respect to Series 1995-1                                              %                13.65%

35.  The 3-month average Portfolio Yield for the three most recent
     Due Periods                                                                %                12.68%

36.  The Base Rate for the relevant Due Period                                  %                 7.94%

37.  The 3-month average Base Rate for the three most recent
     Due Periods                                                                %                 8.42%

38.  Average Portfolio Yield less average Base Rate                             %                 4.26%

39.  The amount of Shared Excess Finance Charge Collections
     allocable to Series 1995-1 with respect to any Finance Charge
     Shortfall in such Series for the relevant Due Period                       $                 0.00

40.  The aggregate outstanding balance of Receivables which were
     delinquent as of the end  of the relevant Due Period:

                    (a)     Delinquent 31 to 60 days                            $        19,825,534.28
                    (b)     Delinquent 61 to 90 days                            $        12,655,869.71
                    (c)     Delinquent 91 days or more                          $        24,137,966.85

Determination of Monthly Interest

41.  Class A Monthly Interest:
               a.  Class A Monthly Interest                                     $         1,147,500.00
               b.  Funds allocated and available to pay Class A
                    Monthly Interest for relevant Due Period (4.3a)             $         2,648,013.08
               c.  Class A Interest Shortfall (a less b)                        $                 0.00
               d.  Class A Additional Interest                                  $                 0.00

42.  Class B Monthly Interest:
               a.  Class B Monthly Interest                                     $           165,625.00
               b.  Funds allocated and available to pay Class B
                    Monthly Interest for relevant Due Period (4.3b)             $           550,654.50
               c.  Class B Interest Shortfall (a less b)                        $                 0.00
               d.  Class B Additional Interest                                  $                 0.00

43.  Collateral Monthly Interest and Class D Monthly Interest:
               a.  Collateral/Class D Monthly Interest                          $           319,770.00
               b.  Funds allocated and available to pay Collateral/
                    Class D Monthly Interest for relevant Due Period            $           991,178.10
               c.  Collateral/Class D Interest Shortfall (a less b)             $                 0.00
               d.  Collateral/Class D Additional Interest                       $                 0.00

Determination of Monthly Principal

44.  Class A Monthly Principal (pursuant to section 4.4a):
            (X)a.  Fixed Allocation Percentage of Principal Receivable
                   Collections + Shared - Reallocated Coll. Applied             $        41,666,966.62
            (Y)a.  Controlled Accumulation Amount                               $        18,000,000.00
               b.  Deficit Controlled Accumulation Amount                       $                 0.00
               c.  Controlled Deposit Amount                                    $        18,000,000.00
            (Z)a.  Class A Invested Amount                                      $        89,400,688.15
     Class A Monthly Principal (the least of x,y,z)                             $        18,000,000.00

45.  Class B Monthly Principal (pursuant to section 4.4b)
     (distributable only after payout of Class A)
            (X)a.  Fixed Allocation Percentage of Principal Receivable
                   Collections + Shared - Reallocated Collections
                   Applied - Class A Monthly Principal Applications             $                 0.00
            (Y)a.  Controlled Accumulation Amount                               $                 0.00
               b.  Deficit Controlled Accumulation Amount                       $                 0.00
               c.  Controlled Deposit Amount                                    $                 0.00
            (Z)a.  Class B Invested Amount                                      $        30,000,000.00
     Class B Monthly Principal (the least of x,y,z)                             $                 0.00

46.  Collateral Monthly Principal
               a.  pursuant to 4.4c (i) prior to occurrence of
                   Early Amortization or payment in full of the
                   Class B Investor Amount (optional)                           $        22,787,876.13
               b.  pursuant to 4.4c (ii) prior to occurrence of
                   Early Amortization or payment in full of the
                   Class B Investor Amount                                      $                 0.00

47.  Class D Monthly Principal (pursuant to section 4.4d)
     (distributable only after CIA is paid in full)                             $                 0.00

Available Funds

48.  Class A Available Funds
               a.  Class A Finance Charge allocation (line 33a)                 $         1,973,795.15
               b.  Prior to Class B Principal Commencement Date, the
                   amount of Principal Funding Investment Proceeds for
                   such prior Due Period                                        $           604,154.78
               c.  Any amount of Reserve Account withdrawn and
                   included in Class A Available Funds (section 4.14d)          $            70,063.15
               d.  Class A Available Funds (sum a-c)                            $         2,648,013.08

49.  Class B Available Funds
               a.  Class B Finance Charge allocation (line 33b)                 $           550,654.50
               b.  On or After Class B Principal Commencement Date, the
                   amount of Principal Funding Investment Proceeds for
                   such prior Due Period                                        $                 0.00
               c.  Any amount of Reserve Account withdrawn and
                   included in Class B Available Funds (section 4.14d)          $                 0.00
               d.  Class B Available Funds (sum a-c)                            $           550,654.50

50.  Collateral Available Funds:
               a.  Collateral Finance Charge allocation (line 33c)              $           715,850.85

51.  Class D Available Funds
               a.  Class D Finance Charge allocation (line 33d)                 $           275,327.25

Reallocated Principal Collections

52.  Class D Subordinated Principal Collections (to the extent                  $                 0.00
     needed to fund Required Amounts)

53.  Collateral Subordinated Principal Collections (to the extent               $                 0.00
     needed to fund Required Amounts)

54.  Class B Subordinated Principal Collections (to the extent                  $                 0.00
     needed to fund Required Amounts)

55.  Total Reallocated Principal Collections                                    $                 0.00
                                                                                                  0.00
Investor Default Amounts

56.  Class A Investor Default Amount                                            $           436,871.95
                                                                                %                 5.09%

57.  Class B Investor Default Amount                                            $           121,879.67
                                                                                %                 5.09%

58.  Collateral Investor Default Amount                                         $           158,443.57
                                                                                %                 5.09%

59.  Class D Investor Default Amount                                            $            60,939.84
                                                                                %                 5.09%

60.  Aggregate Investor Default Amount                                          $           778,135.03
                                                                                %                 5.09%
Allocable Amounts for Series 1995-1

61.  The Allocable Amount for Series 1995-1 as of the end of the
     relevant Due Period (Inv Default Amt + Series 95-1 Adjust Amt)
          Class A                                                               $           436,871.95
          Class B                                                               $           121,879.67
          Class C                                                               $           158,443.57
          Class D                                                               $            60,939.84
                                                                                 ---------------------
     Aggregate Allocable Amount                                                 $           778,135.03

Required Amounts for Series 1995-1

62.  Class A Required Amount (section 4.5a)
               a.  Class A Monthly Interest for current Distribution
                   Date                                                         $         1,147,500.00
               b.  Class A Monthly Interest previously due but not
                   paid                                                         $                 0.00
               c.  Class A Additional Interest for prior Due Period
                   or previously due but not paid                               $                 0.00
               d.  Class A Investor Allocable Amount                            $           436,871.95
               e.  Class A Servicing Fee (if FNANB is no longer
                   servicer)                                                    $                 0.00
               f.  Class A Available Funds                                      $         2,648,013.08
               g.  Class A Required Amount (sum of a-e minus f)                 $                 0.00

63.  Class B Required Amount (section 4.5b)
               a.  Class B Monthly Interest for current Distribution
                   Date                                                         $           165,625.00
               b.  Class B Monthly Interest previously due but not
                   paid                                                         $                 0.00
               c.  Class B Additional Interest for prior Due Period
                   or previously due but not paid                               $                 0.00
               d.  Class B Servicing Fee (if FNANB is no longer
                   servicer)                                                    $                 0.00
               e.  Class B Available Funds                                      $           550,654.50
               f.  Excess of Class B Allocable Amount over
                   funds available to make payments (section 4.8d)              $                 0.00
               g.  Class B Required Amount ((sum of a-d) minus e                $
                   plus f)                                                                        0.00

64.  Collateral/Class D Required Amount (section 4.5c,d)
               a.  Collateral/Class D Monthly Interest for current
                   Distribution date                                            $           319,770.00
               b.  Collateral/Class D Monthly Interest previously
                   due but not paid                                             $                 0.00
               c.  Collateral/Class D Additional Interest for prior
                   Due Period or previously due but not paid                    $                 0.00
               d.  Collateral/Class D Servicing Fee (if FNANB is
                   no longer servicer)                                          $                 0.00
               e.  Collateral/Class D Available Funds                           $           991,178.10
               f.  Excess of Collateral/Class D Allocable Amount
                   over funds available to make payments                        $                 0.00
               g.  Collateral/Class D Required Amount ((sum of
                   a-d) minus e plus f)                                         $                 0.00

Investor Charge-Offs

65.  The aggregate amount of Class A Investor Charge-Offs and the
     reductions in the Class B Invested Amount, Collateral Indebtedness
     Amount and Class D Invested Amount
               a.  Class A                                                      $                 0.00
               b.  Class B                                                      $                 0.00
               c.  Collateral Indebtedness Amount                               $                 0.00
               d.  Class D                                                      $                 0.00

66.  The aggregate amount of Class B Investor Charge-Offs and the
     reductions in the Collateral Indebtedness Amount and Class D
     Invested Amount
               a.  Class B                                                      $                 0.00
               b.  Collateral Indebtedness Amount                               $                 0.00
               c.  Class D                                                      $                 0.00

67.  The aggregate amount of Collateral Charge-Offs and the reductions
     in Class D Invested Amount
               a.  Collateral Indebtedness Amount                               $                 0.00
               b.  Class D                                                      $                 0.00

Servicing Fee
     (2% of total Invested Amount)
68.  Class A Servicing Fee for the relevant Due Period                          $           149,001.15

69.  Class B Servicing Fee for the relevant Due Period                          $            50,000.00

70.  Collateral Servicing Fee for the relevant Due Period                       $            65,000.00

71.  Class D Servicing Fee for the relevant Due Period                          $            25,000.00

Enhancement
           (18% of total Invested Amount)
72.  Required Enhancement Amount
               a.  Invested Amount as of the last day of relevant Due
                   Period                                                       $       173,400,688.15
               b.  Required Enhancement Amount (line a times 18%)                        31,212,123.87

73.  Enhancement Surplus
               a.  Amount on Deposit in the Cash Collateral Account             $                 0.00
               b.  Collateral Indebtedness Amount                               $        39,000,000.00
               c.  Class D Invested Amount                                      $        15,000,000.00
               d.  Required Enhancement Amount                                  $        31,212,123.87
               e.  Enhancement Surplus ((sum of a-c)less d)                     $        22,787,876.13
               f.  Enhancement deficiency, deposit excess Finance
                   Charge to Cash Collateral Account                            $                 0.00

Reserve Account

74.  Lowest historical 3 month average Portfolio Yield less 3 month
     average Base Rate (must be > 3%, or line 75 will adjust accordingly)       %                 4.26%

75.  Reserve Account Funding Date (based on line 74)                                    06/15/99

76.  Required Reserve Account Amount (after the Reserve Account
     Funding Date, 0.5% times the Class A/Class B Investor Amount)              $         1,080,000.00

77.  Available Reserve Account Amount
               a.  Reserve Draw Amount (covered amount - p.f. proceeds)         $            70,063.15
               b.  Reserve Account Investment Proceeds                          $             4,842.93
               c.  Amount on deposit in the Reserve Account at the end of the
                    relevant Due Period less Investment Proceeds                $         1,080,000.00
               d.  Required Reserve Account Amount (line 76)                    $         1,080,000.00
               e.  Available Reserve Account Amount (after Reserve Draw)        $         1,009,936.85
               f.   Required Reserve Account Deposit on Distribution Date       $            70,063.15

Principal Funding Account

78.  Principal Funding Account Balance at the beginning of the Due Period       $       108,466,411.90

79.  a.  Daily Deposits to the Principal Funding Account during the
           relevant Due Period                                                  $        18,000,000.00
     b.  Principal Funding Account Investment Proceeds                          $           599,311.85

80.  Withdrawals from the Principal Funding Account during the relevant
     Due Period                                                                 $           466,411.90

81.  Principal Funding Account Balance as of the last day of the
     relevant Due Period less Investment Proceeds.                              $       126,000,000.00

82.  As of the date hereof, no Early Amortization Event has been
     deemed to have occurred during the relevant Due Period.

** Please note that Series 2000-1 closed on February 28, 2000.
    Collections for Series 2000-1 are based on the original Due Period from February 28 - March 31.


</TABLE>

 IN WITNESS WHEREOF, THE undersigned has duly executed
 and delivered this Certificate this 7th day of April, 2000


                                       FIRST NORTH AMERICAN NATIONAL BANK,
                                       as Servicer


                                       By ____________________________________
                                       Name:  Philip J. Dunn
                                       Title:  Vice President




                  FORM OF MONTHLY CERTIFICATEHOLDER'S STATEMENT

                       FIRST NORTH AMERICAN NATIONAL BANK

 -------------------------------------------------------------------------------
 -------------------------------------------------------------------------------

                      CIRCUIT CITY CREDIT CARD MASTER TRUST
                                  SERIES 1996-1

 -------------------------------------------------------------------------------
 -------------------------------------------------------------------------------


Pursuant  to the Master  Pooling  and  Servicing  Agreement  dated as of October
4,1994 (as amended or supplemented,  the "Pooling and Servicing Agreement"),  as
supplemented by the Series 1996-1 Supplement, dated as of November 27, 1996 (the
"Supplement"  and,  together  with the  Pooling  and  Servicing  Agreement,  the
"Agreement"), each between First North American National Bank, as Transferor and
Servicer,  and Bankers Trust  Company,  as Trustee,  the Servicer is required to
prepare   certain   information   each   month   regarding    distributions   to
Certificateholders  and the  performance  of the  Trust.  The  information  with
respect to the applicable Distribution Date and Due Period is set forth below:


Due Period Ending                                                March 31, 2000
Determination Date                                               April 7, 2000
Distribution Date                                                April 17, 2000

Class A Accumulation Period ("Y" or "N")?                               N
Class B Accumulation Period ("Y" or "N")?                               N
Early Amortization Period ("Y" or "N")?                                 N
Class B Investor Amount paid in full ("Y" or "N")?                      N
Sharing Principal Collections with another Series ("Y" or "N")?         N

<TABLE>
<S> <C>
MASTER TRUST INFORMATION

Receivables

1.   The aggregate amount of Eligible Receivables as of the end of
     the last day of the relevant Due Period                                    $    1,182,794,205.06

2.   The aggregate amount of Principal Receivables as of the end
     of the last day of the relevant Due Period                                 $    1,156,303,269.57

3.   The aggregate amount of Finance Charge Receivables as of
     the end of the last day of the relevant Due Period                         $       26,490,935.49

4.   The aggregate amount of Discount Option Receivables as of
     the last day of the relevant Due Period                                    $                0.00

5.   The Transferor Amount as of the end of the last day of the
     relevant Due Period                                                        $      148,202,581.42

6.   The minimum Transferor Amount as of the end of the last
     day of the relevant Due Period                                             $                0.00

7.   The Excess Funding Account Balance as of the end of the
     last day of the relevant Due Period                                        $                0.00

8.   The aggregate principal balance of Receivables determined to be
     Receivables of Defaulted Accounts for the relevant Due Period              $        7,500,034.52

9.   The aggregate amount of Recoveries for the relevant Due Period             $        2,598,065.09

10.  The Default Amount for the relevant Due Period                             $        4,901,969.43

Collections

11.  The aggregate amount of Collections of Principal Receivables
     for the relevant Due Period                                                $      167,583,480.96

12.  The aggregate amount of Collections of Finance Charge
     Receivables for the relevant Due Period                                    $       22,147,184.14

13.  The aggregate amount of interest earnings (net of losses
     and investment expenses) on the Excess Funding
     Account for the relevant Due Period                                        $                0.00

14.  The aggregate amount of Collections processed for the relevant
     Due Period (sum of lines 9+11+12+13)                                       $      192,328,730.19

15.  The average Discount Percentage for the relevant Due Period                %                0.00%

Invested Amounts

16.  The Series 1995-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $       89,400,688.15
               b.  Class B                                                      $       30,000,000.00
               c.  Collateral Indebtedness Interest                             $       39,000,000.00
               d. Class D                                                       $       15,000,000.00
                                                                                 --------------------
               e.  Total Invested Amount (sum of a - d)                         $      173,400,688.15

17.  The Series 1996-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $      162,000,000.00
               b.  Class B                                                      $       22,500,000.00
               c.  Collateral Indebtedness Interest                             $       29,250,000.00
               d.  Class D                                                      $       11,250,000.00
                                                                                 --------------------
               e.  Total Invested Amount (sum of a - d)                         $      225,000,000.00

18.  The Series 1998-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $                0.00
               b.  Class B                                                      $                0.00
                                                                                 --------------------
               c.  Total Invested Amount (sum of a - b)                         $                0.00

19.  The Series 1998-2 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $                0.00
               b.  Class B                                                      $                0.00
                                                                                 --------------------
               c.  Total Invested Amount (sum of a - b)                         $                0.00

20.  The Series 1999-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $      104,000,000.00
               b.  Class B                                                      $        5,700,000.00
                                                                                 --------------------
               c.  Total Invested Amount (sum of a - b)                         $      109,700,000.00

21.  The Series 2000-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $      365,000,000.00
               b.  Class B                                                      $       57,500,000.00
               c.  Collateralized Trust Obligation                              $       47,500,000.00
               d.  Class D                                                      $       30,000,000.00
                                                                                 --------------------
               e.  Total Invested Amount (sum of a - d)                         $      500,000,000.00

22.  The aggregate Invested Amount across all series of Investor
     Certificates outstanding as of the end of the last day of the
     relevant Due Period                                                        $    1,008,100,688.15

Investor Amounts

23.  The Series 1995-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $      216,000,000.00
               b.  Class B                                                      $       30,000,000.00
               c.  Collateral Indebtedness Interest                             $       39,000,000.00
               d.  Class D                                                      $       15,000,000.00
                                                                                 --------------------
               e.  Total Investor Amount (sum of a - d)                         $      300,000,000.00

24.  The Series 1996-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $      162,000,000.00
               b.  Class B                                                      $       22,500,000.00
               c.  Collateral Indebtedness Interest                             $       29,250,000.00
               d.  Class D                                                      $       11,250,000.00
                                                                                 --------------------
               e.  Total Investor Amount (sum of a - d)                         $      225,000,000.00

25.  The Series 1998-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $                0.00
               b.  Class B                                                      $                0.00
               c.  Pre-Funding Account Balance                                  $                0.00
                                                                                 --------------------
               d.  Total Investor Amount (sum of a - b)                         $                0.00

26.  The Series 1998-2 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $                0.00
               b.  Class B                                                      $                0.00
                                                                                 --------------------
               c.  Total Investor Amount (sum of a - b)                         $                0.00

27.  The Series 1999-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $      104,000,000.00
               b.  Class B                                                      $        5,700,000.00
                                                                                 --------------------
               d.  Total Investor Amount (sum of a - c)                         $      109,700,000.00

28.  The Series 2000-1 Adjusted Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                      $      365,000,000.00
               b.  Class B                                                      $       57,500,000.00
               c.  Collateralized Trust Obligation                              $       47,500,000.00
               d.  Class D                                                      $       30,000,000.00
                                                                                 --------------------
               e.  Total Adjusted Invested Amount (sum of a - d)                $      500,000,000.00

29.  The aggregate Investor Amount across all series of Investor
     Certificates outstanding as of the end of the last day of the
     relevant Due Period                                                        $    1,134,700,000.00

Series 1996-1 Allocation Percentages

30.  The Fixed Percentage with respect to the relevant
     Due Period
               a.  Class A                                                      %                0.00%
               b.  Class B                                                      %                0.00%
               c.  Collateral Indebtedness Interest                             %                0.00%
               d.  Class D                                                      %                0.00%
               e.  Series 1996-1 Total                                                           0.00%

31.  The Floating Percentage with respect to the relevant
     Due Period
               a.  Class A                                                      %               13.43%
               b.  Class B                                                      %                1.86%
               c.  Collateral Indebtedness Interest                             %                2.42%
               d.  Class D                                                      %                0.93%
               e.  Series 1996-1 Total                                                          18.65%

Allocation of Collections

32.  The Series 1996-1 allocation of Collections of Principal
     Receivables for the relevant Due Period (line 31 times
     line 11)
               a.  Class A                                                      $       22,500,161.98
               b.  Class B                                                      $        3,125,022.50
               c.  Collateral Indebtedness Interest                             $        4,062,529.25
               d.  Class D                                                      $        1,562,511.25
               e.  Series 1996-1 Total                                          $       31,250,224.97

33.  The Series 1996-1 allocation of Collections of Finance
     Charge Receivables for the relevant Due Period (line 31
     times line 12)
               a.  Class A                                                      $        2,973,534.31
               b.  Class B                                                      $          412,990.88
               c.  Collateral Indebtedness Interest                             $          536,888.14
               d.  Class D                                                      $          206,495.44
               e.  Series 1996-1 Total                                          $        4,129,908.76

Portfolio Yield and Delinquencies

34.  The Portfolio Yield for the relevant Due Period (including
     Shared Excess Finance Charge Collections, if allocated)
     with respect to Series 1996-1                                              %               17.15%

35.  The 3-month average Portfolio Yield for the three most recent
     Due Periods                                                                %               14.95%

36.  The Base Rate for the relevant Due Period                                  %                8.27%

37.  The 3-month average Base Rate for the three most recent
     Due Periods                                                                %                8.16%

38.  Average Portfolio Yield less average Base Rate                             %                6.79%

39.  The amount of Shared Excess Finance Charge Collections
     allocable to Series 1996-1 with respect to any Finance Charge
     Shortfall in such Series for the relevant Due Period                       $                0.00

40.  The aggregate outstanding balance of Receivables which were
     delinquent as of the end of the relevant Due Period:

                    (a)     Delinquent 31 to 60 days                            $       19,825,534.28
                    (b)     Delinquent 61 to 90 days                            $       12,655,869.71
                    (c)     Delinquent 91 days or more                          $       24,137,966.85

Determination of Monthly Interest

41.  Class A Monthly Interest:
               a.  Class A Monthly Interest                                     $          916,801.88
               b.  Funds allocated and available to pay Class A
                    Monthly Interest for relevant Due Period (4.3a)             $        2,973,534.31
               c.  Class A Interest Shortfall (a less b)                        $                0.00
               d.  Class A Additional Interest                                  $                0.00

42.  Class B Monthly Interest:
               a.  Class B Monthly Interest                                     $          132,077.34
               b.  Funds allocated and available to pay Class B
                    Monthly Interest for relevant Due Period (4.3b)             $          412,990.88
               c.  Class B Interest Shortfall (a less b)                        $                0.00
               d.  Class B Additional Interest                                  $                0.00

43.  Collateral Monthly Interest and Class D Monthly Interest:
               a.  Collateral/Class D Monthly Interest                          $          245,164.22
               b.  Funds allocated and available to pay Collateral/
                    Class D Monthly Interest for relevant Due Period            $          743,383.58
               c.  Collateral/Class D Interest Shortfall (a less b)             $                0.00
               d.  Collateral/Class D Additional Interest                       $                0.00

Accumulation Period
44.  Required Accumulation Factor Number                                                        10.00
45.  Accumulation Period Factor                                                                  1.00
46.  Accumulation Period Length                                                                 10.00
47.  Accumulation period commencement date                                            January 1, 2001

Determination of Monthly Principal

48.  Class A Monthly Principal (pursuant to section 4.4a):
            (X)a.  Fixed Allocation Percentage of Principal Receivable
                   Collections + Shared - Reallocated Coll. Applied             $                0.00
            (Y)a.  Controlled Accumulation Amount                               $                0.00
               b.  Deficit Controlled Accumulation Amount                       $                0.00
               c.  Controlled Deposit Amount                                    $                0.00
            (Z)a.  Class A Invested Amount                                      $      162,000,000.00
     Class A Monthly Principal (the least of x,y,z)                             $                0.00

49.  Class B Monthly Principal (pursuant to section 4.4b)
     (distributable only after payout of Class A)
            (X)a.  Fixed Allocation Percentage of Principal Receivable
                   Collections + Shared - Reallocated Collections
                   Applied - Class A Monthly Principal Applications             $                0.00
            (Y)a.  Controlled Accumulation Amount                               $                0.00
               b.  Deficit Controlled Accumulation Amount                       $                0.00
               c.  Controlled Deposit Amount                                    $                0.00
            (Z)a.  Class B Invested Amount                                      $       22,500,000.00
     Class B Monthly Principal (the least of x,y,z)                             $                0.00

50.  Collateral Monthly Principal
               a.  pursuant to 4.4c (i) prior to occurrence of
                   Early Amortization or payment in full of the
                   Class B Investor Amount (optional)                           $                0.00
               b.  pursuant to 4.4c (ii) prior to occurrence of
                   Early Amortization or payment in full of the
                   Class B Investor Amount                                      $                0.00

51.  Class D Monthly Principal (pursuant to section 4.4d)
     (distributable only after CIA is paid in full)                             $                0.00

Available Funds

52.  Class A Available Funds
               a.  Class A Finance Charge allocation (line 33a)                 $        2,973,534.31
               b.  Class A Cap Payment                                          $                0.00
               c.  Prior to Class B Principal Commencement Date, the
                   amount of Principal Funding Investment Proceeds for
                   such prior Due Period                                        $                0.00
               d.  Any amount of Reserve Account withdrawn and
                   included in Class A Available Funds (section 4.14d)          $                0.00
               e.  Class A Available Funds (sum a-d)                            $        2,973,534.31

53.  Class B Available Funds
               a.  Class B Finance Charge allocation (line 33b)                 $          412,990.88
               b.  Class B Cap Payment                                          $                0.00
               c.  On or After Class B Principal Commencement Date, the
                   amount of Principal Funding Investment Proceeds for
                   such prior Due Period                                        $                0.00
               d.  Any amount of Reserve Account withdrawn and
                   included in Class B Available Funds (section 4.14d)          $                0.00
               e.  Class B Available Funds (sum a-d)                            $          412,990.88

54.  Collateral Available Funds:
               a.  Collateral Finance Charge allocation (line 33c)              $          536,888.14

55.  Class D Available Funds
               a.  Class D Finance Charge allocation (line 33d)                 $          206,495.44

Reallocated Principal Collections

56.  Class D Subordinated Principal Collections (to the extent                  $                0.00
     needed to fund Required Amounts)

57.  Collateral Subordinated Principal Collections (to the extent               $                0.00
     needed to fund Required Amounts)

58.  Class B Subordinated Principal Collections (to the extent                  $                0.00
     needed to fund Required Amounts)

59.  Total Reallocated Principal Collections                                    $                0.00

Investor Default Amounts

60.  Class A Investor Default Amount                                            $          658,150.23
                                                                                %                5.09%

61.  Class B Investor Default Amount                                            $           91,409.75
                                                                                %                5.09%

62.  Collateral Investor Default Amount                                         $          118,832.68
                                                                                %                5.09%

63.  Class D Investor Default Amount                                            $           45,704.88
                                                                                %                5.09%

64.  Aggregate Investor Default Amount                                          $          914,097.54
                                                                                %                5.09%
Allocable Amounts for Series 1996-1

65.  The Allocable Amount for Series 1996-1 as of the end of the
     relevant Due Period (Inv Default Amt + Series 96-1 Adjust Amt)
          Class A                                                               $          658,150.23
          Class B                                                               $           91,409.75
          Class C                                                               $          118,832.68
          Class D                                                               $           45,704.88
                                                                                 --------------------
     Aggregate Allocable Amount                                                 $          914,097.54

Required Amounts for Series 1996-1

66.  Class A Required Amount (section 4.5a)
               a.  Class A Monthly Interest for current Distribution
                    Date                                                        $          916,801.88
               b.  Class A Monthly Interest previously due but not
                    paid                                                        $                0.00
               c.  Class A Additional Interest for prior Due Period
                    or previously due but not paid                              $                0.00
               d.  Class A Investor Allocable Amount                            $          658,150.23
               e.  Class A Servicing Fee (if FNANB is no longer
                    servicer)                                                   $                0.00
               f.   Class A Available Funds                                     $        2,973,534.31
               g.  Class A Required Amount (sum of a-e minus f)                 $                0.00

67.  Class B Required Amount (section 4.5b)
               a.  Class B Monthly Interest for current Distribution
                    Date                                                        $          132,077.34
               b.  Class B Monthly Interest previously due but not
                    paid                                                        $                0.00
               c.  Class B Additional Interest for prior Due Period
                    or previously due but not paid                              $                0.00
               d.  Class B Servicing Fee (if FNANB is no longer
                    servicer)                                                   $                0.00
               e.  Class B Available Funds                                      $          412,990.88
               f.   Excess of Class B Allocable Amount over
                    funds available to make payments (section 4.8d)             $                0.00
               g.  Class B Required Amount ((sum of a-d) minus e                $
                    plus f)                                                                      0.00

68.  Collateral/Class D Required Amount (section 4.5c,d)
               a.  Collateral/Class D Monthly Interest for current
                    Distribution date                                           $          245,164.22
               b.  Collateral/Class D Monthly Interest previously
                    due but not paid                                            $                0.00
               c.  Collateral/Class D Additional Interest for prior
                    Due Period or previously due but not paid                   $                0.00
               d.  Collateral/Class D Servicing Fee (if FNANB is
                    no longer servicer)                                         $                0.00
               e.  Collateral/Class D Available Funds                           $          743,383.58
               f.   Excess of Collateral/Class D Allocable Amount
                    over funds available to make payments                       $                0.00
               g.  Collateral/Class D Required Amount ((sum of
                    a-d) minus e plus f)                                        $                0.00

Investor Charge-Offs

69.  The aggregate amount of Class A Investor Charge-Offs and the
     reductions in the Class B Invested Amount, Collateral Indebtedness
     Amount and Class D Invested Amount
               a.  Class A                                                      $                0.00
               b.  Class B                                                      $                0.00
               c.  Collateral Indebtedness Amount                               $                0.00
               d.  Class D                                                      $                0.00

70.  The aggregate amount of Class B Investor Charge-Offs and the
     reductions in the Collateral Indebtedness Amount and Class D
     Invested Amount
               a.  Class B                                                      $                0.00
               b.  Collateral Indebtedness Amount                               $                0.00
               c.  Class D                                                      $                0.00

71.  The aggregate amount of Collateral Charge-Offs and the reductions
     in Class D Invested Amount
               a.  Collateral Indebtedness Amount                               $                0.00
               b.  Class D                                                      $                0.00

Servicing Fee
     (2% of total Invested Amount)
72.  Class A Servicing Fee for the relevant Due Period                          $          270,000.00

73.  Class B Servicing Fee for the relevant Due Period                          $           37,500.00

74.  Collateral Servicing Fee for the relevant Due Period                       $           48,750.00

75.  Class D Servicing Fee for the relevant Due Period                          $           18,750.00

Enhancement
           (18% of total Invested Amount)
76.  Required Enhancement Amount
               a. Invested Amount as of the last day of relevant Due
                   Period                                                       $      225,000,000.00
               b.  Required Enhancement Amount (line a times 18%)                       40,500,000.00

77.  Enhancement Surplus
               a.  Amount on Deposit in the Cash Collateral Account             $                0.00
               b.  Collateral Indebtedness Amount                               $       29,250,000.00
               c.  Class D Invested Amount                                      $       11,250,000.00
               d.  Required Enhancement Amount                                  $       40,500,000.00
               e.  Enhancement Surplus ((sum of a-c)less d)                     $                0.00
               f.  Enhancement deficiency, deposit excess Finance
                   Charge to Cash Collateral Account                            $                0.00

Reserve Account

78.  Lowest historical 3 month average Portfolio Yield less 3 month
     average Base Rate (must be > 4%, or line 79 will adjust accordingly)       %                5.01%

79.  Reserve Account Funding Date (based on line78)                                    11/15/00

80.  Required Reserve Account Amount (after the Reserve Account
     Funding Date, 0.5% times the Class A/Class B Investor Amount)              $                0.00

81.  Available Reserve Account Amount
               a.  Reserve Draw Amount (covered amount - p.f. proceeds)         $                0.00
               b.  Reserve Account Investment Proceeds                          $                0.00
               c.  Amount on deposit in the Reserve Account at the end of the
                    relevant Due Period less Investment Proceeds                $                0.00
               d.  Required Reserve Account Amount (line 80)                    $                0.00
               e.  Available Reserve Account Amount (after Reserve Draw)        $                0.00
               f.   Required Reserve Account Deposit on Distribution Date       $                0.00

Principal Funding Account

82.  Principal Funding Account Balance at the beginning of the Due Period       $                0.00

83.  a.  Daily Deposits to the Principal Funding Account during the
           relevant Due Period                                                  $                0.00
     b.  Principal Funding Account Investment Proceeds                          $                0.00

84.  Withdrawals from the Principal Funding Account during the relevant
     Due Period                                                                 $                0.00

85.  Principal Funding Account Balance as of the last day of the
     relevant Due Period                                                        $                0.00

86.  LIBOR Determination date for the relevant Due Period                             13-Mar-00

87.  LIBOR rate for the relevant Due Period                                     %               6.004%

88.  As of the date hereof, no Early Amortization Event has been
     deemed to have occurred during the relevant Due Period.
</TABLE>


               IN WITNESS WHEREOF, THE undersigned has duly executed
               and delivered this Certificate this 7th day of April, 2000


                                   FIRST NORTH AMERICAN NATIONAL BANK,
                                   as Servicer


                                   By ____________________________________
                                   Name:  Philip J. Dunn
                                   Title:  Vice President




                  FORM OF MONTHLY CERTIFICATEHOLDER'S STATEMENT

                       FIRST NORTH AMERICAN NATIONAL BANK

 -------------------------------------------------------------------------------
 -------------------------------------------------------------------------------

                      CIRCUIT CITY CREDIT CARD MASTER TRUST
                                  SERIES 2000-1

 -------------------------------------------------------------------------------
 -------------------------------------------------------------------------------


Pursuant  to the Master  Pooling  and  Servicing  Agreement  dated as of October
4,1994 (as amended or supplemented,  the "Pooling and Servicing Agreement"),  as
supplemented by the Series 2000-1 Supplement, dated as of February 28, 2000 (the
"Supplement"  and,  together  with the  Pooling  and  Servicing  Agreement,  the
"Agreement"), each between First North American National Bank, as Transferor and
Servicer,  and Bankers Trust  Company,  as Trustee,  the Servicer is required to
prepare   certain   information   each   month   regarding    distributions   to
Certificateholders  and the  performance  of the  Trust.  The  information  with
respect to the applicable Distribution Date and Due Period is set forth below:


Due Period Ending                                             March 31, 2000
Determination Date                                            April 7, 2000
Distribution Date                                             April 17, 2000

Class A and Class B Accumulation Period ("Y" or "N")?                 N
Early Amortization Period ("Y" or "N")?                               N
Sharing Principal Collections with another Series ("Y" or "N")?       N

<TABLE>
<S> <C>
MASTER TRUST INFORMATION

Receivables

1.   The aggregate amount of Eligible Receivables as of the end of
     the last day of the relevant Due Period                                                  $    1,182,794,205.06

2.   The aggregate amount of Principal Receivables as of the end
     of the last day of the relevant Due Period                                               $    1,156,303,269.57

3.   The aggregate amount of Finance Charge Receivables as of
     the end of the last day of the relevant Due Period                                       $       26,490,935.49

4.   The aggregate amount of Discount Option Receivables as of
     the last day of the relevant Due Period                                                  $                0.00

5.   The Transferor Amount as of the end of the last day of the
     relevant Due Period                                                                      $      148,202,581.42

6.   The minimum Transferor Amount as of the end of the last
     day of the relevant Due Period                                                           $                0.00

7.   The Excess Funding Account Balance as of the end of the
     last day of the relevant Due Period                                                      $                0.00

8.   The aggregate principal balance of Receivables determined to be
     Receivables of Defaulted Accounts for the relevant Due Period                            $        7,500,034.52

9.   The aggregate amount of Recoveries for the relevant Due Period                           $        2,598,065.09

10.  The Default Amount for the relevant Due Period                                           $        4,901,969.43

Collections

11.  The aggregate amount of Collections of Principal Receivables
     for the relevant Due Period                                                              $      167,583,480.96

12.  The aggregate amount of Collections of Finance Charge
     Receivables for the relevant Due Period                                                  $       22,147,184.14

13.  The aggregate amount of interest earnings (net of losses
     and investment expenses) on the Excess Funding
     Account for the relevant Due Period                                                      $                0.00

14.  The aggregate amount of Collections processed for the relevant
     Due Period (sum of lines 9+11+12+13)                                                     $      192,328,730.19

15.  The average Discount Percentage for the relevant Due Period                              %                0.00%

Invested Amounts

16.  The Series 1995-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $       89,400,688.15
               b.  Class B                                                                    $       30,000,000.00
               c.  Collateral Indebtedness Interest                                           $       39,000,000.00
               d.  Class D                                                                    $       15,000,000.00
                                                                                               --------------------
               e.  Total Invested Amount (sum of a - d)                                       $      173,400,688.15

17.  The Series 1996-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $      162,000,000.00
               b.  Class B                                                                    $       22,500,000.00
               c.  Collateral Indebtedness Interest                                           $       29,250,000.00
               d.  Class D                                                                    $       11,250,000.00
                                                                                               --------------------
               e.  Total Invested Amount (sum of a - d)                                       $      225,000,000.00

18.  The Series 1998-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $                0.00
               b.  Class B                                                                    $                0.00
                                                                                               --------------------
               c.  Total Invested Amount (sum of a - b)                                       $                0.00

19.  The Series 1998-2 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $                0.00
               b.  Class B                                                                    $                0.00
                                                                                               --------------------
               c.  Total Invested Amount (sum of a - b)                                       $                0.00

20.  The Series 1999-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $      104,000,000.00
               b.  Class B                                                                    $        5,700,000.00
                                                                                               --------------------
               c.  Total Invested Amount (sum of a - b)                                       $      109,700,000.00

21.  The Series 2000-1 Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $      365,000,000.00
               b.  Class B                                                                    $       57,500,000.00
               c.  Collateralized Trust Obligation                                            $       47,500,000.00
               d.  Class D                                                                    $       30,000,000.00
                                                                                               --------------------
               e.  Total Invested Amount (sum of a - d)                                       $      500,000,000.00

22.  The aggregate Invested Amount across all series of Investor
     Certificates outstanding as of the end of the last day of the
     relevant Due Period                                                                      $    1,008,100,688.15

Investor Amounts

23.  The Series 1995-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $      216,000,000.00
               b.  Class B                                                                    $       30,000,000.00
               c.  Collateral Indebtedness Interest                                           $       39,000,000.00
               d.  Class D                                                                    $       15,000,000.00
                                                                                               --------------------
               e.  Total Investor Amount (sum of a - d)                                       $      300,000,000.00

24.  The Series 1996-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $      162,000,000.00
               b.  Class B                                                                    $       22,500,000.00
               c.  Collateral Indebtedness Interest                                           $       29,250,000.00
               d.  Class D                                                                    $       11,250,000.00
                                                                                               --------------------
               e.  Total Investor Amount (sum of a - d)                                       $      225,000,000.00

25.  The Series 1998-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $                0.00
               b.  Class B                                                                    $                0.00
               c.  Pre-Funding Account Balance                                                $                0.00
                                                                                               --------------------
               d.  Total Investor Amount (sum of a - b)                                       $                0.00

26.  The Series 1998-2 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $                0.00
               b.  Class B                                                                    $                0.00
                                                                                               --------------------
               c.  Total Investor Amount (sum of a - b)                                       $                0.00

27.  The Series 1999-1 Investor Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $      104,000,000.00
               b.  Class B                                                                    $        5,700,000.00
                                                                                               --------------------
               d.  Total Investor Amount (sum of a - c)                                       $      109,700,000.00

28.  The Series 2000-1 Adjusted Invested Amounts as of the end of the last
     day of the relevant Due Period
               a.  Class A                                                                    $      365,000,000.00
               b.  Class B                                                                    $       57,500,000.00
               c.  Collateralized Trust Obligation                                            $       47,500,000.00
               d.  Class D                                                                    $       30,000,000.00
                                                                                               --------------------
               e.  Total Adjusted Invested Amount (sum of a - d)                              $      500,000,000.00

29.  The aggregate Investor Amount across all series of Investor
     Certificates outstanding as of the end of the last day of the
     relevant Due Period                                                                      $    1,134,700,000.00

Series 2000-1 Allocation Percentages

30.  The Fixed Percentage with respect to the relevant
     Due Period
               a.  Class A                                                                    %                0.00%
               b.  Class B                                                                    %                0.00%
               c.  Collateralized Trust Obligation                                            %                0.00%
               d.  Class D                                                                    %                0.00%
               e.  Series 2000-1 Total                                                                         0.00%

31.  The Floating Percentage with respect to the relevant
     Due Period
               a.  Class A                                                                    %               30.25%
               b.  Class B                                                                    %                4.77%
               c.  Collateralized Trust Obligation                                            %                3.94%
               d.  Class D                                                                    %                2.49%
               e.  Series 2000-1 Total                                                                        41.44%

Allocation of Collections

32.  The Series 2000-1 allocation of Collections of Principal
     Receivables for the relevant Due Period (line 31 times
     line 11)
               a.  Class A                                                                    $       50,694,809.39
               b.  Class B                                                                    $        7,986,168.60
               c.  Collateralized Trust Obligation                                            $        6,597,269.72
               d.  Class D                                                                    $        4,166,696.66
               e.  Series 2000-1 Total                                                        $       69,444,944.37

33.  The Series 2000-1 allocation of Collections of Finance
     Charge Receivables for the relevant Due Period (line 31
     times line 12)
               a.  Class A                                                                    $        7,822,893.30
               b.  Class B                                                                    $        1,232,373.60
               c.  Collateralized Trust Obligation                                            $        1,018,047.76
               d.  Class D                                                                    $          642,977.53
               e.  Series 2000-1 Total                                                        $       10,716,292.19

Portfolio Yield and Delinquencies

34.  The Portfolio Yield for the relevant Due Period (including
     Shared Excess Finance Charge Collections, if allocated)
     with respect to Series 2000-1                                                            %               18.85%

35.  The 3-month average Portfolio Yield for the three most recent
     Due Periods                                                                              %               18.85%

36.  The Base Rate for the relevant Due Period                                                %                8.38%

37.  The 3-month average Base Rate for the three most recent
     Due Periods                                                                              %                8.38%

38.  Average Portfolio Yield less average Base Rate                                           %               10.47%

39.  The amount of Shared Excess Finance Charge Collections
     allocable to Series 2000-1 with respect to any Finance Charge
     Shortfall in such Series for the relevant Due Period                                     $                0.00

40.  The aggregate outstanding balance of Receivables which were
     delinquent as of the end of the relevant Due Period:

                    (a)     Delinquent 31 to 60 days                                          $       19,825,534.28
                    (b)     Delinquent 61 to 90 days                                          $       12,655,869.71
                    (c)     Delinquent 91 days or more                                        $       24,137,966.85

Determination of Monthly Interest

41.  Class A Monthly Interest:
               a.  Class A Monthly Interest                                                   $        3,076,481.08
               b.  Funds allocated and available to pay Class A
                    Monthly Interest for relevant Due Period (4.3a)                           $        7,822,893.30
               c.  Class A Interest Shortfall (a less b)                                      $                0.00
               d.  Class A Additional Interest                                                $                0.00

42.  Class B Monthly Interest:
               a.  Class B Monthly Interest                                                   $          512,826.13
               b.  Funds allocated and available to pay Class B
                    Monthly Interest for relevant Due Period (4.3b)                           $        1,232,373.60
               c.  Class B Interest Shortfall (a less b)                                      $                0.00
               d.  Class B Additional Interest                                                $                0.00

43.  CTO Monthly Interest and Class D Monthly Interest:
               a.  CTO/Class D Monthly Interest                                               $          755,546.96
               b.  Funds allocated and available to pay CTO/
                    Class D Monthly Interest for relevant Due Period                          $        1,661,025.29
               c.  CTO/Class D Interest Shortfall (a less b)                                  $                0.00
               d.  CTO/Class D Additional Interest                                            $                0.00

     Accumulation Period
44.            Required Accumulation Factor Number                                                            10.00
45.            Accumulation Period Factor                                                                      1.00
46.            Accumulation Period Length                                                                     10.00
47.            Accumulation Period Commencement Date                                        April 1, 2002

Determination of Monthly Principal

48.  Class A Monthly Principal (pursuant to section 4.4a):
            (X)a.  Fixed Allocation Percentage of Principal Receivable
                   Collections + Shared - Reallocated Coll. Applied                           $                0.00
            (Y)a.  Controlled Accumulation Amount                                             $                0.00
               b.  Deficit Controlled Accumulation Amount                                     $                0.00
               c.  Controlled Deposit Amount                                                  $                0.00
            (Z)a.  Class A Invested Amount as of beginning of Due Period                      $      365,000,000.00
     Class A Monthly Principal (the least of x,y,z)                                           $                0.00

49.  Class B Monthly Principal (pursuant to section 4.4b)
     (distributable only after principal funding acct balance= O/S prin bal
     of Class A Cert.)
            (X)a.  Fixed Allocation Percentage of Principal Receivable
                   Collections + Shared - Reallocated Collections
                   Applied - Class A Monthly Principal                                        $                0.00
            (Y)a.  Controlled Accumulation Amount                                             $                0.00
               b.  Deficit Controlled Accumulation Amount                                     $                0.00
               c.  Controlled Deposit Amount                                                  $                0.00
            (Z)a.  Class B Invested Amount as of beginning of Due Period                      $       57,500,000.00
     Class B Monthly Principal (the least of x,y,z)                                           $                0.00

50.  CTO Monthly Principal (pursuant to section 4.4c)
            (X)a.  Available Principal Collections - Class A Monthly
                   Principal and Class B Monthly Principal                                    $                0.00
            (Y)a.  Controlled Accumulation Amount                                             $                0.00
               b.  Deficit Controlled Accumulation Amount                                     $                0.00
               c.  Controlled Deposit Amount                                                  $                0.00
            (Z)a. CTO Invested Amount as of beginning of Due Period                           $       47,500,000.00
     CTO Monthly Principal (the least of x,y,z)                                               $                0.00

51.  Class D Monthly Principal (pursuant to section 4.4d)
     (distributable only after CTO is paid in full)                                           $                0.00

Available Funds

52.  Class A Available Funds
               a.  Class A Finance Charge allocation (line 33a)                               $        7,822,893.30
               b.  Class A Cap Payment                                                        $                0.00
               c.  The amount of Principal Funding Investment Proceeds and
                   Reserve Account Investment Proceeds such prior Due Period                  $                0.00
               d.  Any amount of Reserve Account withdrawn and
                   included in Class A Available Funds (section 4.14d)                        $                0.00
               e.  Class A Available Funds (sum a-d)                                          $        7,822,893.30

53.  Class B Available Funds
               a.  Class B Finance Charge allocation (line 33b)                               $        1,232,373.60
               b.  Class B Cap Payment                                                                         0.00
               c.  The amount of Principal Funding Investment Proceeds and
                   Reserve Account Investment Proceeds for such prior Due Period              $                0.00
               d.  Any amount of Reserve Account withdrawn and
                   included in Class B Available Funds (section 4.14d)                        $                0.00
               e.  Class B Available Funds (sum a-c)                                          $        1,232,373.60

54.  CTO Available Funds:
               a.  CTO Finance Charge allocation (line 33c)                                   $        1,018,047.76
               b.  On or After CTO Principal Commencement Date, the
                   amount of Principal Funding Investment Proceeds for
                   such prior Due Period                                                      $                0.00
               c.  Any amount of Reserve Account withdrawn and
                   included in CTO Available Funds (section 4.14d)                            $                0.00
               d.  CTO Available Funds (sum a-c)                                              $        1,018,047.76

55.  Class D Available Funds
               a.  Class D Finance Charge allocation (line 33d)                               $          642,977.53

Reallocated Principal Collections

56.  Class D Subordinated Principal Collections (to the extent                                $                0.00
     needed to fund Required Amounts)

57.  Collateral Subordinated Principal Collections (to the extent                             $                0.00
     needed to fund Required Amounts)

58.  Class B Subordinated Principal Collections (to the extent                                $                0.00
     needed to fund Required Amounts)

59.  Total Reallocated Principal Collections                                                  $                0.00

Investor Default Amounts

60.  Class A Investor Default Amount                                                          $        1,706,461.59
                                                                                              %                5.85%

61.  Class B Investor Default Amount                                                          $          268,826.14
                                                                                              %                5.85%

62.  CTO Investor Default Amount                                                              $          222,073.77
                                                                                              %                5.85%

63.  Class D Investor Default Amount                                                          $          140,257.12
                                                                                              %                5.85%

64.  Aggregate Investor Default Amount                                                        $        2,337,618.62
                                                                                              %                5.85%
Allocable Amounts for Series 2000-1

65.  The Allocable Amount for Series 2000-1 as of the end of the
     relevant Due Period (Inv Default Amt + Series 00-1 Adjust Amt)
          Class A                                                                             $        1,706,461.59
          Class B                                                                             $          268,826.14
          Class C                                                                             $          222,073.77
          Class D                                                                             $          140,257.12
                                                                                               --------------------
     Aggregate Allocable Amount                                                               $        2,337,618.62

Required Amounts for Series 2000-1

66.  Class A Required Amount (section 4.5a)
               a.  Class A Monthly Interest for current Distribution
                    Date                                                                      $        3,076,481.08
               b.  Class A Monthly Interest previously due but not
                    paid                                                                      $                0.00
               c.  Class A Additional Interest for prior Due Period
                    or previously due but not paid                                            $                0.00
               d.  Class A Investor Allocable Amount                                          $        1,706,461.59
               e.  Class A Servicing Fee (if FNANB is no longer
                    servicer)                                                                 $                0.00
               f.  Class A Available Funds                                                    $        7,822,893.30
               g.  Class A Required Amount (sum of a-e minus f)                               $                0.00

67.  Class B Required Amount (section 4.5b)
               a.  Class B Monthly Interest for current Distribution
                    Date                                                                      $          512,826.13
               b.  Class B Monthly Interest previously due but not
                    paid                                                                      $                0.00
               c.  Class B Additional Interest for prior Due Period
                    or previously due but not paid                                            $                0.00
               d.  Class B Servicing Fee (if FNANB is no longer
                    servicer)                                                                 $                0.00
               e.  Class B Available Funds                                                    $        1,232,373.60
               f.   Excess of Class B Allocable Amount over
                    funds available to make payments (section 4.8d)                           $                0.00
               g.  Class B Required Amount ((sum of a-d) minus e                              $
                    plus f)                                                                                    0.00

68.  CTO Required Amount (section 4.5c)
               a.  CTO/Class D Monthly Interest for current
                    Distribution date                                                         $          755,546.96
               b.  CTO/Class D Monthly Interest previously
                    due but not paid                                                          $                0.00
               c.  CTO/Class D Additional Interest for prior
                    Due Period or previously due but not paid                                 $                0.00
               d.  CTO/Class D Servicing Fee (if FNANB is
                    no longer servicer)                                                       $                0.00
               e.  CTO/Class D Available Funds                                                $        1,661,025.29
               f.   Excess of Collateral/Class D Allocable Amount
                    over funds available to make payments                                     $                0.00
               g.  CTO/Class D Required Amount ((sum of
                    a-d) minus e plus f)                                                      $                0.00

Investor Charge-Offs

69.  The aggregate amount of Class A Investor Charge-Offs and the
     reductions in the Class B Invested Amount, Collateralized Trust Obligation
     Amount and Class D Invested Amount
               a.  Class A                                                                    $                0.00
               b.  Class B                                                                    $                0.00
               c.  Collateralized Trust Obligation Amount                                     $                0.00
               d.  Class D                                                                    $                0.00

70.  The aggregate amount of Class B Investor Charge-Offs and the
     reductions in the Collateralized Trust Obligation Amount and Class D
     Invested Amount
               a.  Class B                                                                    $                0.00
               b.  Collateralized Trust Obligation Amount                                     $                0.00
               c.  Class D                                                                    $                0.00

71.  The aggregate amount of Collateral Charge-Offs and the reductions
     in Class D Invested Amount
               a.  Collateralized Trust Obligation Amount                                     $                0.00
               b.  Class D                                                                    $                0.00

Servicing Fee
     (2% of total Invested Amount)
72.  Class A Servicing Fee for the relevant Due Period                                        $          608,333.33

73.  Class B Servicing Fee for the relevant Due Period                                        $           95,833.33

74.  CTO Servicing Fee for the relevant Due Period                                            $           79,166.67

75.  Class D Servicing Fee for the relevant Due Period                                        $           50,000.00


Reserve Account

76.  Lowest historical 3 month average Portfolio Yield less 3 month
     average Base Rate (must be > 4%, or line 77 will adjust accordingly)                     %               10.47%

77.  Reserve Account Funding Date (based on line 76)                                               02/15/02

78.  Required Reserve Account Amount (after the Reserve Account
     Funding Date, 0.5% times the Class A, Class B, and CTO O/S Certificates)                 $                0.00

79.  Covered Amount                                                                           $                0.00

80.  Available Reserve Account Amount
               a.  Reserve Draw Amount (covered amount - p.f. proceeds)                       $                0.00
               b.  Reserve Account Investment Proceeds                                        $                0.00
               c.  Amount on deposit in the Reserve Account at the end of the
                    relevant Due Period less Investment Proceeds                              $                0.00
               d.  Required Reserve Account Amount (line 78)                                  $                0.00
               e.  Available Reserve Account Amount (after Reserve Draw)                      $                0.00
               f.   Required Reserve Account Deposit on Distribution Date                     $                0.00

Principal Funding Account

81.  Principal Funding Account Balance at the beginning of the Due Period                     $                0.00

82.  a.  Daily Deposits to the Principal Funding Account during the
          relevant Due Period (pursuant to sec 4.6f)                                          $                0.00
     b.  Principal Funding Account Investment Proceeds                                        $                0.00

83.  Withdrawals from the Principal Funding Account during the relevant
     Due Period                                                                               $                0.00

84.  Principal Funding Account Balance as of the last day of the
     relevant Due Period                                                                      $                0.00

Spread Account

85.  Average Excess Spread Percentage for three consecutive Due Periods                       %               10.47%

86.  Available Spread Account Amount
               a.  Spread Account Balance at the beginning of the Due Period                  $                0.00
               b.  Spread Account Draw Amount                                                 $                0.00
               c.  Spread Account Investment Proceeds                                         $                0.00
               d.  Amount on Deposit in the Spread Account at end of relevant
                    Due Period less Spread Acct Investment Proceeds                           $                0.00
               e.  Required Spread Account Amount                                             $                0.00
               f.   Available Spread Account Amount (lesser of d and e)                       $                0.00

87.  Spread Account deficiency, deposit to Spread Account                                     $                0.00

88.  Spread Account Surplus                                                                   $                0.00


89.  LIBOR Determination date for the relevant Due Period                                       13-Mar-00
                                                                                                24-Feb-00

90.  LIBOR rate for the relevant Due Period (interest period 3/15/2000 - 4/16/2000)           %               6.004%
                                            (interest period 2/28/2000 - 3/14/2000)                           5.878%

91.  As of the date hereof, no Early Amortization Event has been
     deemed to have occurred during the relevant Due Period.

** Please note that Series 2000-1 closed on February 28, 2000.
    Collections for Series 2000-1 are based on the original Due Period from February 28 - March 31.

</TABLE>

                   IN WITNESS WHEREOF, THE undersigned has duly executed
                   and delivered this Certificate this 7th day of April, 2000


                                 FIRST NORTH AMERICAN NATIONAL BANK,
                                 as Servicer


                                 By ____________________________________
                                 Name:  Philip J. Dunn
                                 Title:  Vice President





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