SECURITIES AND EXCHANGE COMMISSION

                          Washington, D.C.  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, 1996


                      Commission File No.:   33-88076


                   FIRST OF AMERICA BANK - MICHIGAN, N.A.
                    As Servicer and Co-Originator of the
                 FIRST OF AMERICA CREDIT CARD MASTER TRUST
             (Exact name of registrant as specified in charter)

            UNITED STATES                             38-0861745
     (State or other jurisdiction of            (I.R.S. Employer number)   
      Identification incorporation)


      108 East Michigan Avenue, Kalamazoo, Michigan              49007
        (Address of principal executive offices)               (zip code)

      Servicer's telephone number, including area code (616) 376-9000

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      

The  aggregate principal amount of the  Certificates held by non-affiliates
of the Servicer as of December 31, 1996 was approximately $500 million.<PAGE>





                             INTRODUCTORY NOTE

     First  of America Bank  - Illinois, N.A.  and First of  America Bank -
Michigan, N.A. ("FOABM") (together, the "Sellers") are the sellers  under a
Pooling and Servicing Agreement dated as of June  1, 1995 (the "Agreement")
among the Sellers, FOABM as  Servicer (the "Servicer") and the Bank  of New
York  as Trustee  (the  "Trustee") as  supplemented  by the  Series  1995-1
Supplement,  dated  as of  June 1,  1995,  providing  for  the issuance  of
certificates in series  (the "Certificates").  The Sellers are also the Co-
originators of the  trust called the  First of  America Credit Card  Master
Trust  (the "Trust") created pursuant  to the Agreement.   Each Certificate
represents  an undivided  interest in  a  pool of  receivables held  by the
Trust.   The Certificates issued, or to be issued,  may be senior ("Class A
Certificates"),   subordinated   ("Class   B   Certificates")  and   Seller
Certificate(s).  FOABM  as Co-originator  of the Trust  and Registrant  has
prepared this Annual Report on Form 10-K in reliance upon various no-action
letters issued by the Securities and Exchange Commission (the "Commission")
to  other trusts  which  are substantially  similar  to the  Trust.   Items
designated herein as "Not Applicable" have been omitted as a result of this
reliance and a pending request for  a no-action  letter with respect to the 
Trust.<PAGE>





                                   PART I


Item 1.   BUSINESS.

          Not Applicable.


Item 2.   PROPERTIES.

          Not Applicable.


Item 3.   LEGAL PROCEEDINGS.

          The  Servicer  is   not  aware  of  any  material  pending  legal
          proceedings  involving either  the Registrant,  the Trustee,  the
          Sellers or the Servicer  with respect to the Certificates  or the
          Registrant's property.


Item 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.

          No  vote or  consent  of the  holders  of the  Certificates  (the
          "Certificateholders")  was solicited  for any purpose  during the
          year ended December 31, 1996.




                                  PART II

Item 5.   MARKET  FOR  REGISTRANT'S COMMON  EQUITY AND  RELATED STOCKHOLDER
          MATTERS.

          To  the best knowledge of  the Servicer, there  is no established
          public  trading market  for  the  Certificates.   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").


Item 6.   SELECTED FINANCIAL DATA.

          Not Applicable.<PAGE>

                         

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.


Item 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT.

          The Servicer is not aware of any Schedules 13D or  13G filed with
          the  Securities  and  Exchange   Commission  in  respect  of  the
          Certificates.  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 
          holds on behalf of  brokers, dealers, banks and  other direct 
          participants in  the  DTC   system.    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.<PAGE>

                         
Item 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.

          None or Not Applicable.



                                  PART IV

Item 14.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K.

          (a)  The following documents are filed as a part of the report:

               Annual  Certificateholders' Statement  for  the  year  ended
               December 31, 1996.

               Annual  Servicing   Report  in  the   form  of   Independent
               Accountants'  Report  on  Applying   Agreed-Upon  Procedures
               prepared by KPMG Peat Marwick LLP.

          (b)  The Registrant  filed the following current  reports on Form
               8-K for the fourth quarter of 1996.

               DATE OF REPORT           ITEMS COVERED

               October 10, 1996         Item  7-Monthly Certificateholders'
               November 12, 1996        Statement    with     respect    to
               December 11, 1996        distributions made on
                                        October 15, 1996, November 15, 1996
                                        and December 16, 1996.

          (c)  An Exhibit Index and Exhibits are attached to this report.

          (d)  Not Applicable.<PAGE>









                                 SIGNATURES




     Pursuant to the requirements of Section 13  or 15(d) of the Securities
Exchange Act of 1934, the Servicer has duly caused this report to be signed
on  behalf  of  the  First  of America  Credit  Card  Master  Trust  by the
undersigned, thereunto duly authorized.



Date: March 26, 1997     FIRST OF AMERICA BANK - MICHIGAN, N.A.
                         Servicer and Co-Originator of the First of America
                         Credit Card Master Trust


                         By:  FIRST OF AMERICA BANK CORPORATION
                                   (Authorized Agent)


                         By:/s/  Kevin T. Thompson
                                 Senior Vice President and Controller<PAGE>







                               EXHIBIT INDEX


EXHIBIT NO.         EXHIBIT

(99) A              Copy of the Annual Certificateholders'
                    Statement for year ended December 31, 1996.

(99) B              Copy of the Annual Servicing Report in the 
                    form of Independent Accountants' Report on
                    Applying Agreed-Upon Procedures prepared
                    by KPMG Peat Marwick LLP.<PAGE>