NATIONAL CITY CREDIT CARD MASTER TRUST
8-K, 2000-07-19
ASSET-BACKED SECURITIES
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                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                      the Securities Exchange Act of 1934


                                 April 15, 1999
                                (Date of Report)

                     NATIONAL CITY CREDIT CARD MASTER TRUST
               (Exact name of registrant as specified in charter)

                                 UNITED STATES
                 (State or other jurisdiction of incorporation)

                                   0-26342
                             (Commission File No.)

                                   34-0420310
                      (I.R.S. Employer Identification No.)

                              NATIONAL CITY CENTER
                             1900 EAST NINTH STREET
                                CLEVELAND, OHIO
                    (Address of principal executive offices)

                                   44114-3484
                                   (Zip Code)

                                 (216) 575-2000
              (Registrant's telephone number, including area code)

                   First of America Credit Card Master Trust
                        (Former name or former address,
                         if changed since last report.)

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  Item 7.   Financial Statements, Pro forma Financial
            Information and Exhibits.


  Exhibit 7.1    Monthly Certificateholders' Statement dated
                 April 15, 1999 for Series 1995-1.





                             SIGNATURES

       Pursuant to the requirements of the Securities Exchange
  Act of 1934, the registrant has caused this report to be
  signed on behalf of the National City Credit Card Master
  Trust by the undersigned thereunto duly authorized.


  Dated: July 19, 2000               By:  /S/  William F. Smith
                                Name:     William F. Smith
                                Title:    Administrative Trustee
<PAGE>   3


                           EXHIBIT INDEX


  Exhibit 7.1    Monthly Certificateholders' Statement dated
                 April 15, 1999 for Series 1995-1.




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