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EXHIBIT 99.1
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FORM OF ANNUAL SERVICER'S CERTIFICATE

Bank of America National 	Association


BANK OF AMERICA MASTER CREDIT CARD TRUST


The undersigned, a duly authorized representative of Bank of 
America National Association ("Bank of America"), as Servicer 
pursuant to the Pooling and Servicing Agreement dated as of 
JULY 19, 1996 (the "Pooling and Servicing Agreement") by and 
between Bank of America and the [Trustee], as trustee (the 
"Trustee") does hereby certify that:

Bank of America is Servicer under the Pooling and Servicing
Agreement.

The undersigned is duly authorized pursuant to the Pooling and
Servicing Agreement to execute and deliver this Certificate to
the Trustee.

This Certificate is delivered pursuant to Section 3.05 of the
Pooling and Servicing Agreement.  A review of the Activities 
of the Servicer during the period from the Closing date until 
DECEMBER 31, 1998 was conducted under the supervision of the 
undersigned.

Based on such review, the Servicer has, to the best knowledge
of the undersigned, fully performed all its obligations under
the Pooling and Servicing Agreement throughout such period and
no default in the performance of such obligations has occurred
or is continuing except as set forth in paragraph 6 below.

The following is a description of each default in the
performance of the Servicer's obligations under the provisions
of the Pooling and Servicing Agreement, including any
Supplement, known to the undersigned to have been made during
such period which sets forth in detail: (i) the nature of each
such default; (ii) the action taken by the Servicer, if any,
to remedy each such default; (iii) the current status of each
such default:

                  None


      IN WITNESS WHEREOF, the undersigned has duly executed 
this certificate this 30th day of MARCH, 1999.


By:     /s/ Margaret A. Sprude
       -----------------------------
       Name:   Margaret A. Sprude
       Title:  SVP & Chief Financial Officer


EXHIBIT 99.2
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Independent Accountant's Report

Bank of America National Association
and
Bank of New York

We have examined management's assertion, included in the 
accompanying Report of Management on Credit Card Trust 
Internal Controls and Pooling and Servicing Agreement 
Compliance (the "Report"), that Bank of America National 
Association ("BANA"), a wholly owned subsidiary of BankAmerica 
Corporation, maintained internal controls over the functions 
performed as servicer of the BA Master Credit Card Trust 
Series 1996-A, Series 1996-B, Series 1997-A, Series 1997-B, 
Series 1997-C, Series 1998-A, Series 1998-B, and Series 1998-C 
(the "Trust") that are effective, as of December 31, 1998, in 
providing reasonable assurance that Trust assets are 
safeguarded against loss from unauthorized use or disposition 
and that transactions are executed in accordance with 
management's authorization in conformity with the Pooling and 
Servicing Agreement (the "Agreement") dated as of July 19, 
1996 between BANA and U.S. Bank National Association (formerly 
known as First Bank National Association) and the supplements 
to the Agreement, and are recorded properly to permit the 
preparation of the required financial reports.  Management is 
responsible for BANA's internal controls over compliance with 
those requirements.  Our responsibility is to express an 
opinion on management's assertion about BANA's internal 
controls over compliance based on our examination.

Our examination was made in accordance with standards 
established by the American Institute of Certified Public 
Accountants, and accordingly, included obtaining an 
understanding of the internal controls over the functions 
performed by BANA as servicer of the Trust, testing and 
evaluating the design and operating effectiveness of the 
controls, and such other procedures as we considered necessary 
in the circumstances.  We believe that our examination 
provides a reasonable basis for our opinion.  Our examination 
does not provide a legal determination on BANA's internal 
controls over compliance with specified requirements.

Because of inherent limitations in internal controls, errors 
or irregularities may occur and not be detected.  Also, 
projections of any evaluation of the internal controls over 
the functions performed by BANA as servicer of the Trust to 
future periods are subject to the risk that the controls may 
become inadequate because of changes in conditions, or that 
the degree of compliance with the controls may deteriorate.

In our opinion, management's assertion that BANA maintained 
internal controls over the functions performed as servicer of 
the Trust that are effective, as of December 31, 1998, in 
providing reasonable assurance that Trust assets are 
safeguarded against loss from unauthorized use or disposition 
and that transactions are executed in accordance with 
management's authorization in conformity with the Agreement, 
between BANA and U.S. Bank National Association (formerly 
known as First Bank National Association), and are recorded 
properly to permit the preparation of the required financial 
reports, is fairly stated, in all material respects, based 
upon the following criteria specified in the Report:

- Controls provide reasonable assurance that funds collected 
are appropriately remitted to the Trustee in accordance with 
the Agreement and the supplements to the Agreement.
 
- Controls provide reasonable assurance that Trust assets are 
segregated from those assets retained by BANA in accordance 
with the Agreement and the supplements to the Agreement.
 
- Controls provide reasonable assurance that expenses incurred 
by the Trust are properly calculated and remitted in 
accordance with the Agreement and the supplements to the 
Agreement.
 
- Controls provide reasonable assurance that the addition of 
accounts to the Trust are authorized in accordance with the 
Agreement and the supplements to the Agreement.
 
- Controls provide reasonable assurance that the removal of 
accounts from the Trust are authorized in accordance with the 
Agreement and the supplements to the Agreement.
 
- Controls provide reasonable assurance that Trust assets 
amortizing out of the Trust are calculated in accordance with 
the Agreement and the supplements to the Agreement.
 
- Controls provide reasonable assurance that Monthly Trust 
reports generated in the form of "Exhibits" and provided to 
the Trustee are reviewed by management prior to disbursing.
 
- Controls provide reasonable assurance that Monthly Trust 
reports generated in the form of "Exhibits" contain all 
required information per section 5.2 of the supplements to the 
Agreement.

This report is intended solely for your information.  However, 
this report is a matter of public record as a result of being 
included as an exhibit to the annual report on Form 10-K 
prepared by BANA and filed with the Securities and Exchange 
Commission on behalf of BA Master Credit Card Trust and its 
distribution is not limited.

/s/  ERNST & YOUNG LLP
--------------------------
Ernst & Young LLP


Report of Management on Credit Card Trust Internal Controls
and Pooling and Servicing Agreement Compliance


Internal Controls

Bank of America National Association ("BANA"), a wholly owned 
subsidiary of BankAmerica Corporation, is responsible for 
establishing and maintaining effective internal controls over 
the functions performed as servicer of the BA Master Credit 
Card Trust Series 1996-A, Series 1996-B, Series 1997-A, Series 
1997-B, Series 1997-C, Series 1998-A, Series 1998-B, and 
Series 1998-C (the "Trust").  These controls are designed to 
provide reasonable assurance to BANA's management that Trust 
assets are safeguarded against loss from unauthorized use or 
disposition and that transactions are executed in accordance 
with management's authorization in conformity with the Pooling 
and Servicing Agreement dated July 19, 1996 (the "Agreement") 
and the supplements to the Agreement relating to Series 1996-
A, Series 1996-B, Series 1997-A, Series 1997-B, Series 1997-C, 
Series 1998-A, Series 1998-B, and Series 1998-C, as 
applicable, between BANA and U.S. Bank National Association 
and are recorded properly to permit the preparation of the 
required financial reports.

There are inherent limitations in any internal controls, 
including the possibility of human error and circumvention or 
overriding of controls.  Accordingly, even effective internal 
controls can provide only reasonable assurance with respect of 
the achievement of any objectives of internal control.  
Further, because of changes in conditions, the effectiveness 
of the internal controls may vary over time.

BANA has determined that the objectives of its internal 
controls with respect to servicing and reporting of credit 
card receivables sold to the Trust are to provide reasonable, 
but not absolute assurance that:

- Funds collected are appropriately remitted to the Trustee in 
accordance with the Agreement and the supplements to the 
Agreement.
 
- Trust assets are segregated from those retained by BANA in 
accordance with the Agreement and the supplements to the 
Agreement.
 
- Expenses incurred by the Trust are properly calculated and 
remitted in accordance with the Agreement and the supplements 
to the Agreement.
 
- The addition of accounts to the Trust are authorized in 
accordance with the Agreement and the supplements to the 
Agreement.
 
- The removal of accounts from the Trust are authorized in 
accordance with the Agreement and the supplements to the 
Agreement.
 
- Trust assets amortizing out of the Trust are calculated in 
accordance with the Agreement and the supplements to the 
Agreement.
 
- Monthly Trust reports generated in the form of "Exhibits" 
and provided to the Trustee are reviewed by management prior 
to disbursing.
 
- Monthly Trust reports generated in the form of "Exhibits" 
contain all information required by the Agreement and the 
supplements to the Agreement.

BANA has assessed its internal controls over the functions 
performed as servicer of the Trust in relation to these 
criteria.  Based upon this assessment, BANA maintained that, 
as of December 31, 1998, its internal controls over the 
functions performed as servicer of the Trusts are effective in 
providing reasonable assurance that Trust assets are 
safeguarded against loss from unauthorized use or disposition 
and that transactions are executed in accordance with 
management's authorization in conformity with the Agreement 
between BANA and First Bank National Association and the 
supplements to the Agreement and are recorded properly to 
permit the preparation of the required Monthly Trust reports 
in the form of "Exhibits".

Pooling and Servicing Agreement Compliance

BANA is responsible for complying with the Agreement and the 
provisions of each supplement to the Agreement.  BANA assessed 
its compliance with the relevant terms and conditions of 
Sections 3.01(f), 3.02, 3.04, 3.05, 3.09, 4.02(a), 4.03 and 
9.01 of the Agreement and Sections 3(b), 4.05(a), 4.09, 4.10 
and 5.02(a) of the supplements to the Agreement relating to 
Series 1996-A, Series 1996-B, Series 1997-A, Series 1997-B, 
Series 1997-C, Series 1998-A, Series 1998-B and Series 1998-C, 
as of December 31, 1998 and for the year then ended.  Based 
upon this assessment, BANA was in compliance with the relevant 
terms and conditions identified in the Sections above for the 
Agreement and the supplements to the Agreement.  In addition, 
BANA did not identify any instances of noncompliance in 
performing the assessment.


February 26, 1999

/s/  Margaret A. Sprude
------------------------
Margaret A. Sprude
SVP & Chief Financial Officer


/s/  Michael Kopp
-----------------
Michael Kopp
Controller