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                                                                                                   EXHIBIT (99)A  


  CERTIFICATEHOLDER'S STATEMENT FOR YEAR ENDING DECEMBER 1996
   
      First of America Credit Card Master Trust Series 1995-1 
   
   
      Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1995 (the Pooling and 
      Servicing Agreement"), among First of America Bank - Michigan, N.A., as Seller and Servicer 
      (in its capacity as Servicer, "FOABM"), First of America Bank - Illinois, N.A., as Seller, 
      and The Bank of New York, as trustee (the "Trustee"), as supplemented by the Series 1995-1 
      Supplement, dated as of June 1, 1995, FOABM as Servicer is required to prepare certain 
      information annually regarding distributions to Certificateholders and the 
      performance of the First of America Credit Card Master Trust (the "Trust") during the 
      previous year.  The information which is required to be prepared with respect to the year 
      ended December 31, 1996, and with respect to the performance of the Trust during 1996
      set forth below.  Certain of the information is presented on the basis of an original
      principal amount of $1,000 per Series 1995-1 Certificate (a "Certificate").  Certain                                          
      other information is presented based on the aggregate amounts for the Trust as a whole.  
      Capitalized terms used in this yearly Statement have their respective meanings set forth 
      in the Pooling and Servicing Agreement and the Series 1995-1 Supplement. 
  <S> <C>                                                                           <C>              <C> 
   
  A.  Information Regarding Distributions to the Class A Certificateholders 
   
      1.  The total amount of the distribution to Class A Certificateholders per $1,000 original 
          certificate principal amount                                                                      $57.1799319 
   
      2.  The amount of the distribution set forth in paragraph 1 above in respect of interest on 
          the Class A Certificates, per $1,000 original certificate principal amount                        $57.1799319 
   
      3.  The amount of the distribution set forth in paragraph 1 above in respect of principal on 
          the Class A Certificates, per $1,000 original certificate principal amount                         $0.0000000  
   
  B.  Class A Investor Charge-Offs and Reimbursement of Charge-Offs  
   
      1.  The Amount of Class A Investor Charge-Offs                                                         $0.0000000  
   
      2.  The amount of Class A Investor Charge-Offs set forth in paragraph 1 above, per $1,000 
          original certificate principal amount                                                              $0.0000000  
   
      3.  The total amount reimbursed in respect of Class A Investor Charge-Offs                             $0.0000000  
   
      4.  The amount set forth in paragraph 3 above, per $1,000 original certificate principal 
          amount                                                                                             $0.0000000  
   
      5.  The amount, if any, by which the outstanding principal balance of the Class A 
          Certificates exceeds the Class A Invested Amount after giving effect to all transactions 
          on such Distribution Date                                                                          $0.0000000  
   
  C.  Information Regarding Distributions to the Class B Certificateholders 
   
      1.  The total amount of the distribution to Class B Certificateholders per $1,000 original 
          certificate principal amount                                                                      $58.3965987 
   
      2.  The amount of the distribution set forth in paragraph 1 above in respect of interest on 
          the Class B Certificates, per $1,000 original certificate principal amount                        $58.3965987 
   
      3.  The amount of the distribution set forth in paragraph 1 above in respect of principal on 
          the Class B Certificates, per $1,000 original certificate principal amount                         $0.0000000  
   
  D.  Class B Investor Charge-Offs and Reimbursement of Charge-Offs 
   
      1.  The Amount of Class B Investor Charge-Offs                                                         $0.0000000  
   
      2.  The amount of Class B Investor Charge-Offs set forth in paragraph 1 above, per  <PAGE>
          $1,000 original certificate principal amount                                                       $0.0000000  
   
      3.  The total amount reimbursed in respect of Class B Investor Charge-Offs                             $0.0000000  
   
      4.  The amount set forth in paragraph 3 above, per $1,000 original certificate principal 
          amount                                                                                             $0.0000000  
   
      5.  The amount, if any, by which the outstanding principal balance of the Class B 
          Certificates exceeds the Class B Invested Amount after giving effect to all transactions 
          on such Distribution Date                                                                          $0.0000000  <PAGE>

   
                                                             FIRST OF AMERICA BANK - MICHIGAN, N.A., 
                                                                  as Seller and Servicer 


                                                  By:        /S/ JENNIFER D. COX
                                                  Name:      Jennifer D. Cox
                                                  Title:     Servicing Officer<PAGE>



                                                RECEIVABLES 
   
      Beginning of the Year Principal Receivables                                                       $665,678,836.30  
      Beginning of the Year Finance Charge Receivables                                                    $8,423,029.04  
      --------------------------------------------------------------------------------                  ---------------  
      Beginning of the Year Total Receivables                                                           $674,101,865.34  
   
      Removed Principal Receivables                                                                               $0.00  
      Removed Finance Charge Receivables                                                                          $0.00  
      --------------------------------------------------------------------------------                  ---------------  
      Removed Total Receivables                                                                                   $0.00  
   
      Additional Principal Receivables                                                                            $0.00  
      Additional Finance Charge Receivables                                                                       $0.00  
      --------------------------------------------------------------------------------                  ---------------  
      Additional Total Receivables                                                                                $0.00  
   
      End of the Year Principal Receivables                                                             $598,170,191.83  
      End of the Year Finance Charge Receivables                                                          $7,396,140.73  
      --------------------------------------------------------------------------------                  ---------------  
      End of the Month Total Receivables                                                                $605,566,332.56  
   
      Special Funding Account Balance                                                                             $0.00  
      Aggregate Invested Amount (all Master Trust Series)                                               $500,000,000.00  
      End of Year Seller Amount                                                                          $98,170,191.83  
      End of Year Seller Percentage                                                                               19.63% 
   

                                                 DELINQUENCIES AND LOSSES   
    
      End of the Year Delinquencies                                                                     RECEIVABLES 
                                                                                                        --------------- 
   
          30 - 59 Days Delinquent                                                                         $7,875,038.54  
          60 - 89 Days Delinquent                                                                         $4,492,589.34  
          90+ Days Delinquent                                                                             $3,531,266.53  
                                                                                                       ----------------  
   
      Total 30+ Days Delinquent                                                                          $15,898,894.41  
            
      Defaulted Amounts During the Year                                                                  $24,381,663.13  
   
                                                     INVESTED AMOUNTS 
   
      Class A Initial Invested Amount                                                                   $470,000,000.00  
      Class B Initial Invested Amount                                                                    $30,000,000.00  
      --------------------------------------------------------------------------------                  ---------------  
      Total Initial Invested Amount                                                                     $500,000,000.00  
   
      Class A Invested Amount                                                                           $470,000,000.00  
      Class B Invested Amount                                                                            $30,000,000.00  
      --------------------------------------------------------------------------------                  ---------------  
      Total Invested Amount                                                                             $500,000,000.00  
   
      Weighted Average Floating Allocation Percentage for 1996                                                  82.3351% 
   
      Weighted Average Principal Allocation Percentage for 1996                                                 82.3351% 
   
      Servicer Interchange Amount                                                                         $5,000,000.04  
      Total Servicing Fee                                                                                 $5,000,000.04  
      --------------------------------------------------------------------------------                  ---------------  
      Total Servicing Compensation                                                                       $10,000,000.08  
   
      Investor Default Amount                                                                            $20,143,001.77  
   
                                                 CLASS A AVAILABLE FUNDS 
   
      Class A Floating Percentage                                                                                 94.00% 
   
          Class A Finance Charge Collections                                          $79,923,097.68  
          Other Amounts                                                                        $0.00  <PAGE>

      Total Class A Available Funds                                                                      $79,923,097.68  
   
          Class A Interest                                                            $26,874,568.01  
          Class A Servicing Fee                                                        $4,700,000.04  
          Class A Investor Default Amount                                             $18,934,421.35  
   
      Total Class A Excess Spread                                                                        $29,414,108.28  
   
      Required Amount                                                                                             $0.00  
   
                                                 CLASS B AVAILABLE FUNDS 
   
      Class B Floating Percentage                                                                                  6.00% 
   
          Class B Finance Charge Collections                                          $5,101,474.32  
          Other Amounts                                                                       $0.00  
   
      Total Class B Available Funds                                                                       $5,101,474.32  
   
          Class B Interest                                                            $1,751,897.98  
          Class B Servicing Fee                                                         $300,000.00  
          Class B Investor Default Amount                                             $1,208,580.09  
   
      Total Class B Excess Spread                                                                         $1,840,996.25  
   
      Total Class B Items                                                                                         $0.00  
   
                                                      EXCESS SPREAD 
   
      Total Excess Spread                                                                                $31,255,104.53  
   
          Excess Spread Applied to the Required Amount                                        $0.00  
          Excess Spread Applied to Class A Investor Charge-Offs                               $0.00  
          Excess Spread Applied to Class B Items                                              $0.00  
          Excess Spread Applied to Class B Investor Charge-Offs                               $0.00  
          Excess Spread Applied to Cash Collateral Account                                    $0.00  
          Excess Spread Applied to Cash Collateral Fee                                  $172,614.59  
          Excess Spread Applied to other amounts required under the Loan Agmt                 $0.00  
   
      Total Excess Spread Eligible for Group 1                                                           $31,082,489.94  
   


                                     SERIES 1995-1 EXCESS FINANCE CHARGE COLLECTIONS   
   
      Excess Finance Charge Collections Allocated to Series 1995-1                                                $0.00
   
          Excess Finance Charge Collections Applied to the Required Amount                    $0.00  
          Excess Finance Charge Collections Applied to Class A Investor Charge-Offs           $0.00  
          Excess Finance Charge Collections Applied to Class B Items                          $0.00  
          Excess Finance Charge Collections Applied to Class B Investor Charge-Offs           $0.00  
          Excess Finance Charge Collections Applied to Cash Collateral Account                $0.00  
          Excess Finance Charge Collections Applied to Cash Collateral Fee                    $0.00  
          Excess Finance Charge Collections Applied to other amounts owed Cash                       
          Collateral Depositor                                                                $0.00  
   
      Total Excess Finance Charge Collections Eligible for Group 1                                                $0.00  
   
                                                   YIELD AND BASE RATE 
   
          Base Rate (Average for 1996)                                                      6.6451%  

          Portfolio Yield (Average for 1996)                                               12.8944%  
   
                                                  PRINCIPAL COLLECTIONS 
   
      Class A Principal Percentage                                                                                94.00% 
   
          Class A Principal Collections                                             $838,789,123.64  
   
      Class B Principal Percentage                                                                                 6.00% 
   <PAGE>
          Class B Principal Collections                                              $53,539,731.31  
   
      Total Principal Collections                                                                       $892,328,854.95  
   
      Reallocated Principal Collections                                                                           $0.00    
   
      Shared Principal Collections Allocable from other Series                                                    $0.00  
   
                                                  CLASS A AMORTIZATION 
   
          Controlled Amortization Amount                                                      $0.00  
          Deficit Controlled Amortization Amount                                              $0.00  
   
      Controlled Distribution Amount                                                                              $0.00  
   
                                                   CLASS B AMORTIZATION 
   
          Controlled Amortization Amount                                                      $0.00  
          Deficit Controlled Amortization Amount                                              $0.00  
   
      Controlled Distribution Amount                                                                              $0.00  
   
                                                   INVESTOR CHARGE-OFFS 
   
      Class A Investor Charge-Offs                                                                                $0.00  
      Class B Investor Charge-Offs                                                                                $0.00  
   
      Previous Class A Charge-Offs Reimbursed                                                                     $0.00  
      Previous Class B Charge-Offs Reimbursed                                                                     $0.00  
   
                                                 CASH COLLATERAL ACCOUNT 
   
      Required Cash Collateral Amount                                                                    $32,500,000.00  
   
      Available Cash Collateral Amount                                                                   $32,500,000.00  
   



   
   
                                                             FIRST OF AMERICA BANK - MICHIGAN, N.A., 
                                                                  as Seller and Servicer 
   
   
                                                  By:        /S/ JENNIFER D. COX
                                                  Name:      Jennifer D. Cox
                                                  Title:     Servicing Officer
  /TABLE
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