SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-K

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

For the fiscal year ended: December 31, 2001
                           -----------------

                 Chase Manhattan Bank, USA National Association
                     on behalf of the Providian Master Trust
                    (formerly the First Deposit Master Trust)
         --------------------------------------------------------------
               (Exact name of registrant as specified in charter)

                                             33-59922
                                             33-84844
                                             33-99462
                                            333-22131
                                            333-55817
   United States of America                 333-39856           22-2382028
 ---------------------------------         -------------    --------------------
(State or other jurisdiction of            (Commission      (I.R.S. Employer
incorporation or organization)              File No.)       Identification No.)

    White Clay Center Building 200, Route 273
            Newark, Delaware                                        19711
   --------------------------------------------           ----------------------
   (Address of principal executive offices)                      (Zip Code)

Registrant's telephone number, including area code:           (302) 575-5000
                                                          ----------------------

                        Not Applicable
--------------------------------------------------------------------------------
(Former name or former address, if changed since last report)

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


Securities Registered pursuant to Section 12(g) of the Act:

     The   following   Providian   Master   Trust   Asset-Backed    Certificates
(collectively, the "Certificates"):

     Floating Rate Asset-Backed Certificates, Series 1996-1
     Floating Rate Class A Asset-Backed Certificates, Series 1997-1
     Floating Rate Class B Asset-Backed Certificates, Series 1997-1
     Floating Rate Class A Asset-Backed Certificates, Series 1997-2
     Floating Rate Class B Asset-Backed Certificates, Series 1997-2
     Floating Rate Class A Asset-Backed Certificates, Series 1997-3
     Floating Rate Class B Asset-Backed Certificates, Series 1997-3
     6.25% Class A Asset-Backed Certificates, Series 1997-4
     6.45% Class B Asset-Backed Certificates, Series 1997-4
     Floating Rate Class A Asset-Backed Certificates, Series 1999-1
     6.80% Class B Asset-Backed Certificates, Series 1999-1
     6.60% Class A Asset-Backed Certificates, Series 1999-2
     Floating Rate Class B Asset-Backed Certificates, Series 1999-2
     Floating Rate Class A Asset-Backed Certificates, Series 2000-1
     Floating Rate Class B Asset-Backed Certificates, Series 2000-1
     Floating Rate Class A Asset-Backed Certificates, Series 2000-2
     Floating Rate Class B Asset-Backed Certificates, Series 2000-2
     Floating Rate Class A Asset-Backed Certificates, Series 2000-3
     Floating Rate Class B Asset-Backed Certificates, Series 2000-3

     Indicate  by check mark  whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Act during the  preceding  12
months (or for such shorter  period that the  registration  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 fillers 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. [  ]

     State the aggregate market value of the voting and non-voting common equity
held by  non-affiliates  of the registrant.  The aggregate market value shall be
computed by reference to the price at which the common  equity was sold,  or the
average bid and asked  prices of such  common  equity,  as of a  specified  date
within 60 days prior to the date of filing. (See definition of affiliate in Rule
405.)

         Not Applicable.


     * On December 23, 1993, Providian National Bank, the former servicer of the
Providian  Master Trust (the "Former  Servicer"),  was issued a no-action letter
(the "No-Action  Letter") by the Securities and Exchange Commission with respect
to certain of the reporting  requirements relating to the Providian Master Trust
(the "Trust") pursuant to Section 13 or 15(d) of the Securities  Exchange Act of
1934.


                                     PART I

Item 1. Business

     Omitted pursuant to the No-Action Letter.

Item 2. Properties

     Attached   hereto  as   Exhibits   99.1   through   99.10  are  the  annual
certificateholders'  statements prepared by the Former Servicer and delivered to
Bankers Trust Company,  as Trustee (the "Trustee"),  pursuant to Section 5.02(d)
of the Series 1996-1,  1997-1,  1997-2,  1997-3, 1997-4, 1999-1, 1999-2, 2000-1,
2000-2  and  2000-3  Supplements  to the  Providian  Master  Trust  Pooling  and
Servicing  Agreement  dated  as of  June  1,  1993,  as  amended  (the  "Pooling
Agreement").  The annual certificateholders'  statements contain the information
required  to be  contained  in the  monthly  statements  prepared  by the Former
Servicer  and  delivered  to the  Trustee  pursuant  to Section  5.02(a) of such
Supplements,  aggregated  for the months of January 2001 through  December 2001,
relating to the receivables (the "Receivables") transferred to the Trust and the
accounts from which the Receivables arise.

Item 3. Legal Proceedings

     The registrant knows of no material pending legal  proceedings with respect
to the Trust involving either the Trust, the Trustee, Providian National Bank as
Former  Servicer of the Trust for the fiscal year ended  December 31,  2001,  or
Chase  Manhattan Bank USA,  National  Association,  the current  Servicer of the
Trust.

Item 4. Submission of Matters to a Vote of Security Holders

     None.


                                     PART II

Item 5. Market for Registrant's Common Equity and Related Stockholder Matters

     (a) To the best knowledge of the registrant, there is no established public
trading market for the Certificates.

     (b) Each class of Certificates  is represented by one or more  certificates
registered  in the  name of Cede & Co.,  the  nominee  of The  Depository  Trust
Company ("DTC").

     (c) Omitted pursuant to the No-Action Letter.

Item 6. Selected Financial Data

     Omitted pursuant to the No-Action Letter.

Item 7. Management's  Discussion and Analysis of Financial Condition and Results
        of Operation

     Omitted pursuant to the No-Action Letter.

Item 8. Financial Statements and Supplementary Data

     Omitted pursuant to the No-Action Letter.

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

     Omitted pursuant to the No-Action Letter.

Item 11. Executive Compensation

     Omitted pursuant to the No-Action Letter.

Item 12. Security Ownership of Certain Beneficial Owners and Management

     (a) Each class of Certificates  is represented by one or more  certificates
registered  in the  name of Cede & Co.,  the  nominee  of DTC,  and 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  Certificates,  which it held on behalf of
brokers,  dealers,  banks and other  direct  participants  in the DTC  system at
December 31, 2001. Such direct  participants may hold Certificates for their own
account or for the  accounts of their  customers.  The address of Cede & Co. is:
Cede & Co., c/o The Depository Trust Company,  55 Water Street,  49th Floor, New
York, New York 10041.

     (b) Omitted pursuant to the No-Action Letter.

     (c) Omitted pursuant to the No-Action Letter.

Item 13. Certain Relationships and Related Transactions

     There have not been, and there are not currently proposed, any transactions
or  series  of  transactions,   to  which  the  Trust  is  a  party,   with  any
Certificateholder  known by the registrant to own of record or beneficially more
than five percent of any series or class of Certificates.

                                     PART IV

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

    99.1  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 1996-1 Supplement.

    99.2  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 1997-1 Supplement.

    99.3  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 1997-2 Supplement.

    99.4  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 1997-3 Supplement.

    99.5  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 1997-4 Supplement.

    99.6  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 1999-1 Supplement.

    99.7  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 1999-2 Supplement.

    99.8  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 2000-1 Supplement.

    99.9  Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 2000-2 Supplement.

    99.10 Annual  Certificateholders'  Statement  delivered  pursuant to Section
          5.02(d) of the Series 2000-3 Supplement.

    99.11 Report  on the  activities  of  Providian  National  Bank,  as  Former
          Servicer of the Trust for the fiscal  year ended  December  31,  2001,
          prepared by Ernst & Young LLP  pursuant to Section 3.06 of the Pooling
          Agreement.

     (b) Omitted pursuant to the No-Action Letter.

     (c) Omitted pursuant to the No-Action Letter.

     (d) Omitted pursuant to the No-Action Letter.

                                   SIGNATURES

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

                                             PROVIDIAN MASTER TRUST
                                             (Registrant)

                                             CHASE MANHATTAN BANK USA,
                                             NATIONAL ASSOCIATION
                                             Servicer


                                             By:    /s/ Patricia Garvey
                                                  ------------------------------
                                             Name:  Patricia Garvey
                                             Title: Vice President

Date:  March 29, 2002



                                  EXHIBIT INDEX


Exhibit No.

99.1  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 1996-1 Supplement.

99.2  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 1997-1 Supplement.

99.3  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
     of the Series 1997-2 Supplement.

99.4  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 1997-3 Supplement.

99.5  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 1997-4 Supplement.

99.6  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 1999-1 Supplement.

99.7  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 1999-2 Supplement.

99.8  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 2000-1 Supplement.

99.9  Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 2000-2 Supplement.

99.10 Annual Certificateholders' Statement delivered pursuant to Section 5.02(d)
      of the Series 2000-3 Supplement.

99.11 Report on the activities of Providian National Bank, as Former Servicer of
      the Trust for the fiscal year ended December 31, 2001, prepared by Ernst &
      Young LLP pursuant to Section 3.06 of the Pooling Agreement.