MERCANTILE CREDIT CARD MASTER TRUST
10-K, EX-19.3, 2000-11-21
ASSET-BACKED SECURITIES
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EX-19.3
Annual Statement






                     Mercantile Bank National Association
                     Mercantile Credit Card Master Trust



      The undersigned, a duly authorized representative of Mercantile Bank
National Association, as Servicer ("Mercantile"), pursuant to the Pooling and
Servicing Agreement, dated as of May 17, 1995, and the applicable provisions
of the Series 1995-1 Supplement (collectively, the "Agreement") among
Mercantile, as Seller and Servicer, and Chase Manhattan Bank (formerly
Chemical Bank), as Trustee, does hereby certify that:

      1.    Mercantile is, as of the date hereof, the Servicer under the
            Agreement.  Capitalized terms used in this Certificate have their
            respective meanings as set forth in the Agreement.

      2.    The undersigned is a Servicing Officer who is duly authorized
            pursuant to the Agreement to execute and deliver this Certificate
            to the Trustee.

      3.    A review of the activities of the Servicer during the period
            ended August 31, 2000, and of its performance under the Agreement
            was conducted under my supervision.

      4.    Based on such review, the Servicer has, to the best of my
            knowledge, performed in all material respects its obligations
            under the Agreement throughout such year and no default in the
            performance of such obligations has occurred.

      IN WITNESS WHEREOF, the undersigned has duly executed this Certificate
this 21st day of November, 2000.


                                    MERCANTILE BANK NATIONAL
                                    ASSOCIATION, Servicer
                                    By:


                                    /s/ John Deibel

                                    John Deibel
                                    Vice President





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