SECURITIES AND EXCHANGE COMMISSION
                         WASHINGTON, DC 20549
                       ______________________

                               FORM 10-K
            ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
                 OF THE SECURITIES EXCHANGE ACT OF 1934

              For the fiscal year ended December 31, 1999

                         Commission file number 33-69572
                                                --------

  Bank of America, National Association (U.S.A) (as Servicer and on behalf of
                       the NationsBank Credit Card Master Trust)
                      ------------------------------------------
                (Exact name of registrant as specified in its charter)

United  States  of  America                                  51-0313900
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(State  or  other  jurisdiction                              (IRS  Employer
of incorporation or organization)                            Identification No.)

Blue  Hen  Corporate  Center, Route 13, Dover, Delaware                    19901
--------------------------------------------------------------------------------
(Address  of principal executive offices)                             (Zip Code)

Registrant's telephone number, including area code               (302)  672-4321

Securities registered pursuant to Section 12(b) of the Act:      None.

Securities registered pursuant to Section 12(g) of the Act:      None.

Indicate  by  check  mark  whether  the  registrant:  (1)  has filed all reports
required  to  be  filed by Section 13 or 15(d) of the Securities Exchange Act of
1934  during  the  preceding  12  months  (or  for  such shorter period that the
registrant  was required to file such reports), and (2) has been subject to such
filing  requirements  for  the  past  90  days.  Yes  [X]  No  [  ]

Indicate  by  check mark if disclosure of delinquent filers pursuant to Item 405
of  Regulation  S-K  is  not contained herein, and will not be contained, to the
best  of  registrant's  knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form  10-K.  [X]

State  the  aggregate market value of the voting stock held by non-affiliates of
the  registrant.  None.

Indicate  the number of shares outstanding of the registrant's classes of common
stock,  as  of  the  latest  practicable  date.  None.

Documents  Incorporated  by  Reference.  None.

<PAGE>
PART  I
-------

Item  1.     Business
                  -----------
                  Not  applicable.

Item  2.     Properties
             -------------
             Not  applicable.

Item  3.     Legal  Proceedings
             ------------------
             There are no material pending legal proceedings with respect to
             NationsBank Credit Card Master Trust  (the  "Trust") involving the
             Trust, The Bank of New York, as  Trustee, or Bank of America,
             National Association (U.S.A.), as  Servicer, other than ordinary
             routine litigation incidental to the Trust assets or the Trustee's
             or the Servicer's duties under the applicable Pooling and Servicing
             Agreement.

Item  4.     Submission  of  Matters  to  a  Vote  of  Security  Holders
             ------------------------------------------------------------
             None.

PART  II
--------

Item  5.     Market  for  the Registrant's Common Equity and Related Stockholder
             -------------------------------------------------------------------
             Matters
             -------
             (a)     Market Information. There is no established public trading
                     market for the Certificates.

             (b)     Holders. Since each of the Certificates was issued in book
                     entry form only, there is only one holder of record of each
                     Series  of Certificates.  See Item 12 below.

             (c)     Dividends.  Not  applicable.

Item  6.     Selected  Financial  Data
             -------------------------
                     Not  applicable.

Item  7.     Management's  Discussion  and  Analysis  of Financial Condition and
             -------------------------------------------------------------------
             Results  of  Operations
             -----------------------
                     Not  applicable.

Item  8.     Financial  Statements  and  Supplementary  Data
             -----------------------------------------------
                     Not  applicable.

Item  9.     Changes  in  and  Disagreements  with Accountants on Accounting and
             -------------------------------------------------------------------
             Financial  Disclosure
             ---------------------
                      None.

PART  III
---------

Item  10.  Directors  and  Executive  Officers  of  the  Registrant
           --------------------------------------------------------
                      Not  applicable.

Item  11.  Executive  Compensation
           -----------------------
                       Not  applicable.


<PAGE>
Item 12.    Security Ownership of Certain Beneficial Owners and Management
            --------------------------------------------------------------
            The Certificates are represented by one or more certificates
            registered in the name of Cede & Co., the nominee of The Depository
            Trust Company ("DTC"). An investor holding an interest in the Trust
            is not entitled to receive a certificate representing such interest
            except in limited circumstances. Accordingly, Cede & Co. is the sole
            holder of record of the Certificates, which it holds on behalf of
            brokers, dealers, banks and other participants in the DTC system.
            Such participants may hold certificates for their own accounts or
            for the accounts of their customers. The address of Cede & Co. is:
                                       Cede  &  Co.
                                       c/o  The  Depository  Trust  Company
                                       Attention:  Proxy  Department
                                       Seven  Hanover  Square
                                       New  York,  New  York  10004

Item  13.  Certain  Relationships  and  Related  Transactions
           --------------------------------------------------
           There has not been, and there is not currently proposed, any
           transaction or series of transactions, to which either the Trust or
           Bank of America, National Association (U.S.A.), as Servicer, is a
           party with any Certificateholder, or any member of the immediate
           family  of  any  such Certificateholder, who, to the knowledge of
           the Servicer, owns of record or beneficially more than five percent
           of  the  Certificates.

PART  IV
--------

Item  14.  Exhibits,  Financial  Statement  Schedules,  and  Reports on Form 8-K
           ---------------------------------------------------------------------

           (a)     1.     Not  applicable.
                   2.     Not  applicable.
                   3.     Exhibits:
                          99.1    Annual  Servicer's  Certificate
                          99.2    Report  of  Independent  Accountants

           (b)     Reports  on  Form  8-K.
                   As Servicer and on behalf of the NationsBank Credit Card
                   Master Trust, Bank of America, National Association (U.S.A.)
                   filed a Current Report on Form 8-K pursuant to Items 5 and 7
                   for the following monthly distribution dates during 1999,
                   including the Certificateholder's Statements for each due
                   period provided to The Bank of New York, as Trustee.

                          Dates of Reports on Form 8-K
                          ----------------------------

                                January 15, 1999
                                February 15, 1999
                                 March 15, 1999
                                 April 15, 1999
                                  May 17, 1999
                                  June 15, 1999
                                  July 15, 1999
                                 August 16, 1999
                               September 15, 1999
                                October 15, 1999
                                November 15, 1999
                                December 15, 1999

           (c)     The exhibits filed as part of this report are listed in the
                   Index to Exhibits on page  5.

           (d)     Not  applicable.


<PAGE>
                                    SIGNATURE

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, as amended, the registrant has duly caused this report to be signed
on its behalf by the undersigned, thereunto duly authorized.


                    Bank  of  America,  National  Association  (U.S.A.),
                    as  Servicer  and  on  behalf  of
                    NationsBank  Credit  Card  Master  Trust

                    By:  /s/  David  M.  Belk
                         --------------------
                    David  M.  Belk
                    Senior  Vice  President
                    (Duly  Authorized  Officer)


                    Date:   3/30/2000
                            ---------