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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, 1998

                        COMMISSION FILE NUMBER: 333-4152
                                                --------

                      Bank of America National Association
                      ------------------------------------
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
                  on Behalf of the BA Master Credit Card Trust

          United  States     86-0645265
          --------------     ----------
          (STATE  OR  OTHER  JURISDICTION  OF     (I.R.S.  EMPLOYER  ID)
          INCORPORATION)

       1825 East Buckeye Road Phoenix, Arizona                      85034
       ------------------------------------------------------------------
              (ADDRESS OF PRINCIPAL EXECUTIVE OFFICE)   (ZIP CODE)

REGISTRANT'S  TELEPHONE  NUMBER,  INCLUDING  AREA  CODE:    (704)  386-4103


SECURITIES REGISTERED PURSUANT TO SECTION 12(B) OF THE ACT:	None

SECURITIES REGISTERED PURSUANT TO SECTION 12(G) OF THE ACT:

Class A Series 1996-A Floating Rate Asset Backed Certificates
Class B Series 1996-A Floating Rate Asset Backed Certificates
Class A Series 1997-A Floating Rate Asset Backed Certificates
Class B Series 1997-A Floating Rate Asset Backed Certificates
Class A Series 1998-A Floating Rate Asset Backed Certificates
Class B Series 1998-A Floating Rate Asset Backed Certificates
Class A Series 1998-B Floating Rate Asset Backed Certificates
Class B Series 1998-B Floating Rate Asset Backed Certificates

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 and 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 [  ]

Indicate by check mark if disclosure of delinquent filers 
pursuant to Item 405 of regulation s-K is not contained 
herein, and will not be contained, to the best of the 
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. [X]

PART I

Item  1.  Business.

          Not Applicable

Item  2.  Properties.

          Not Applicable

Item  3.  Legal Proceedings.

          Not Applicable

Item  4.  Submission of Matters to a vote of Security-
Holders.

          Not Applicable

PART II

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

The certificates representing investors' interests in the BA 
Master Credit Card Trust are represented by one or more 
Certificates registered in the name of Cede & Co., the 
nominee of the Depository Trust Company.

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

Item  6.  Selected Financial Data.

          Not Applicable

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.

          Not Applicable

PART III

Item  10. Directors and Executive Officers of the Registrant.

          Not Applicable

Item  11. Executive Compensation.

          Not Applicable

Items 12. Security Ownership of Certain Beneficial Owners and 
Management.

   (a) the Certificates of each Class representing investors'
       interests in the BA Master Credit Card Trust are                    
	represented by one or
         more Certificates registered in the name of Cede & 
	Co., the nominee of the Depository Trust Company        
	("DTC"), and an investor holding an interest in the 
	BA Master Credit Card Trust is not entitled to 
	receive a certificate representing such interest 
	except in certain limited circumstances. Accordingly, 
	Cede & Co. is the sole holder of record of the 
	Certificates, which it held on behalf of brokers, 
	dealers banks and other direct participants in the 
	DTC system at December 31, 1998.Such direct 
	participants may hold Certificates for their own 
	accounts or for the accounts of their customers. At 
	December 31, 1998, the following direct DTC 
	participants held positions in the Certificates
        representing interests in the BA Master Credit Card 
	Trust equal to or exceeding 5% of the total principal 
	amount of the Certificates of each Class outstanding 
	on the date:

 Participant                      Quantity         Percentage
 -----------                      --------         ----------

SERIES 1996-A

 Class A

 SSB-Custodian                    $ 103,500,000          24.2%
 Global Corp Action Dept JAB5W
 P.O. Box 1631
 Boston, MA  02105-1631

 The Northern Trust Company          77,500,000          18.1%
 801 S. Canal C-IN
 Chicago, IL  60607

 Citibank, N.A.                      56,250,000          13.2%
 P.O. Box 30576
 Tampa, FL  33630-3576

 Chase Manhattan Bank/Chemical       52,000,000          12.2%
 4 New York Plaza
 Proxy Department 13th Floor
 New York, NY  10004

 Bank of New York                    46,000,000          10.8%
 925 Patterson Plank Rd.
 Secaucus, NJ  07094

 Chase Manhattan Bank                33,000,000           7.7%
 4 New York Plaza
 13th Floor
 New York, NY  10004

 BNY/ITC - Dealers Clearance Special  25,450,000          6.0%
 C/O N.A. Schapiro & Co. In.
 One Chase Manhattan Plaza, 58th Floor
 New York, NY  10005


  Class B

 Bankers Trust Company                  27,500,000       84.6%
 C/O BT Services Tennessee Inc.
 648 Grassmere Park Drive
 Nashville, TN  37211

 Chase Manhattan Bank                    5,000,000       15.4%
 4 New York Plaza
 13th Floor
 New York, NY  10004


 SERIES 1997-A

  Class A

 SSB-Custodian                         $ 252,000,000     38.8%
 Global Corp Action Dept JAB5W
 P.O. Box 1631
 Boston, MA  02105-1631

 The Northern Trust Company               100,000,000    15.4%
 801 S. Canal C-IN
 Chicago, IL  60607

 Citibank, N.A.                            68,000,000   10.5%
 P.O. Box 30576
 Tampa, FL  33630-3576

 Chase Manhattan Bank                      59,000,000     9.1%
 4 New York Plaza
 13th Floor
 New York, NY  10004

 Bank of New York                          45,000,000     6.9%
 925 Patterson Plank Rd.
 Secaucus, NJ  07094

 Chase Manhattan Bank/FI-Trac              45,000,000     6.9%
 4 New York Plaza
 11th Floor
 New York, NY  10015

 BNY/ITC - Dealers Clearance Special       34,750,000     5.4%
 C/O N.A. Schapiro & Co. In.
 One Chase Manhattan Plaza, 58th Floor
 New York, NY  10005

 Class B

 Chase Manhattan Bank                       15,000,000   36.4%
 4 New York Plaza
 13th Floor
 New York, NY  10004

 NBD Bank Municipal Bond Dept               14,250,000   34.5%
 Attn: Securities Dept.
 611 Woodward Avenue
 Detroit, MI  48226

  Bankers Trust Company                     12,000,000   29.1%
  C/O BT Services Tennessee Inc.
  648 Grassmere Park Drive
  Nashville, TN  37211

  The address of each above participant is:

       C/O    The Depository Trust Company
              55 Water Street
              New York, NY  10041

      (b)    Not Applicable

      (c)    Not Applicable

   Item  13. Certain Relations and Related Transactions.

          Not Applicable

   PART IV

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

       (a) The following documents are filed as part of this 
	report.

          1.    Not Applicable

          2.    Not Applicable

          3.    Exhibits

        99.1  Annual Servicer's Certificate

        99.2  Annual Accountant's Reports

        b)  The following three (3) reports on Form 8-K were 
	filed by the registrant during the quarter ending 
	December 31, 1998:

          1. Form 8-K, dated October 29, 1998 (Item 7)

          2. Form 8-K, dated November 20, 1998 (Item 7)

          3. Form 8-K, dated December 17, 1998 (Item 7)


          (c)   See Item 14(a)(3) above

          (d)   Not Applicable


                                   
	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 its behalf by the undersigned hereunto duly 
	authorized.

                     BANK OF AMERICA NATIONAL ASSOCIATION
                     As Servicer on Behalf of the
                     BA Master Credit Card Trust


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