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                       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, 1999

                         Commission File No.: 33-88076

                    FIRST OF AMERICA CREDIT CARD MASTER TRUST
               (Exact name of registrant as specified in charter)

                                  UNITED STATES
                        (State or other jurisdiction of
                         Identification incorporation)

                                   34-0420310
                      (I.R.S. Employer Identification No.)

                              NATIONAL CITY CENTER
                             1900 EAST NINTH STREET
                                CLEVELAND, OHIO
                    (Address of principal executive offices)

                                   44114-3484
                                   (Zip Code)

                                 (216) 575-2000
              (Registrant's telephone number, including area code)


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  requirement 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, 1999 was approximately $500 million.
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                               INTRODUCTORY NOTE

National City Bank is the Seller and Servicer under a Pooling and Servicing
Agreement dated June 1, 1995, as amended (the "Agreement") among the Seller and
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"). National City Bank is
also successor-in-interest to National City Bank of Michigan/Illinois (formerly
known as First of America Bank, N.A.) the Co-Originator of 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). National City Bank, as successor-in-interest to the
Co-Originator of the Trust, has prepared on behalf of the Registrant, this
Annual Report on Form 10-K in reliance upon various no action letters issued
by the Securities and Exchange Commission (the "Commission"). Items designated
herein as "Not  Applicable" have been omitted as a result of this reliance.
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                                     PART I

Item 1.   BUSINESS.

          Not Applicable.

Item 2.   PROPERTIES.

          Not Applicable.

Item 3.   LEGAL PROCEEDINGS.

          The Registrant is not aware of any material pending legal proceedings
          involving either itself, the Seller/Servicer, or the Trustee 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, 1999.


                                    PART II

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

          To the best knowledge of the Registrant, 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.
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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 Registrant 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.

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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:

               Exhibit 99A: Annual Certificateholders' Statement for the year
               ended December 31, 1999.

               Exhibit 99B: Annual Servicing Report in the form of Independent
               Accountants' Report on Applying Agreed-Upon Procedures prepared
               by Ernst & Young LLP.

          (b)  National City Bank on behalf of the Registrant filed the
               following current reports on Form 8-K for the fourth quarter of
               1999.


               DATE OF REPORT           ITEMS COVERED

               October 15, 1999         Item 7-Monthly Certificateholders'
               November 15, 1999        Statement with respect to distributions
               December 15, 1999        made on October 15, 1999, November 15,
                                        1999 and December 15, 1999.


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                                   SIGNATURES


     Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant 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 30, 2000          By: /s/ William F. Smith
                              Name:   William F. Smith
                              Title:  Administrative Trustee