UNITED STATES
                       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: February 28, 2003

                       Commission file number: 333-32591


                         FNANB CREDIT CARD MASTER TRUST
             (Exact name of registrant as specified in its charter)


      United States                                     58-1897792
    -----------------                             -------------------
     (State or other                                 (IRS Employer
      jurisdiction                                 Identification No.)
    of incorporation)

 225 Chastain Meadows Court, Kennesaw, Georgia            30144
-----------------------------------------------        ----------
    (Address of principal executive offices)           (Zip Code)

        Registrant's telephone number, including area code: 770 792-4600

        Securities registered pursuant to Section 12(b) of the Act: None

        Securities registered pursuant to Section 12(g) of the Act: None


         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 1                         No
                               ------                           -----

         Indicate by check mark if disclosure of delinquent  filers  pursuant to
Item 405 of Regulation S-K (ss.229.405 of this chapter)

--------
          1 In reliance upon various  no-action letters issued by the Securities
and Exchange  Commission to other trusts which are substantially  similar to the
registrant,  the  registrant  has filed monthly Forms 8-K in lieu of Forms 10-Q.
See, e.g., Banc One Credit Card Master Trust (avail. May 26, 1995).


is not contained herein, and will not be contained,  to the best of 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. ( )

         Indicate by check mark whether the registrant is an  accelerated  filer
(as defined in Rule 12b-2 of the Act). Yes ( ) No (X)

         Registrant does not have any voting stock.

         Registrant has not been involved in bankruptcy  proceedings  during the
preceding five years.

         Registrant is not reporting as a corporate issuer.

         No documents have been incorporated by reference into this Form 10-K.


                                     PART I
                                     ------

         The FNANB Credit Card Master Trust (the "Trust") was formed pursuant to
an Amended and  Restated  Master  Pooling and  Servicing  Agreement  dated as of
December  31, 2001 (the  "Pooling  and  Servicing  Agreement")  among DC Funding
International,  Inc., as Transferor (in such capacity, the "Transferor"),  First
North American National Bank ("FNANB"),  as Transferor under the Prior Agreement
and as Servicer (in such capacity, the "Servicer"),  and JPMorgan Chase Bank, as
Trustee  (successor  in  such  capacity  to  First  Union  National  Bank)  (the
"Trustee").  The Trust was  created as a master  trust  under  which one or more
series of asset backed certificates (the  "Certificates")  evidencing  undivided
interests in certain assets of the Trust have been or will be issued pursuant to
a series supplement to the Pooling and Servicing Agreement.

         The assets of the Trust (the "Trust Assets")  include  receivables (the
"Receivables")  arising under certain  MasterCard  and VISA credit card accounts
(the "Accounts")  owned or acquired by FNANB and all monies due or to become due
in payment of the Receivables (including recoveries on charged-off Receivables),
certain  interchange  fees received by FNANB in connection with the Receivables,
all monies on deposit in certain bank accounts of the Trust  (including,  to the
extent specified in the related series supplement,  investment  earnings on such
amounts), all proceeds of the foregoing and, with respect to a particular series
or class of  Certificates,  any letter of  credit,  guaranteed  rate  agreement,
maturity guaranty facility,  liquidity facility,  cash collateral account,  cash
collateral guaranty, collateral indebtedness amount, collateral interest, surety
bond,  insurance  policy,  interest rate  protection  agreement,  tax protection
agreement,   spread  account,   reserve  account,   subordination   arrangement,
cross-support  feature or other similar  arrangement  (or any combination of the
foregoing) for the benefit of the holders of the  Certificates of such series or
class.  The Trust  will not engage in any  activity  other  than  acquiring  and
holding Receivables,  issuing one or more series of Certificates and any related
interest in the Trust and one or more  certificates  evidencing the Transferor's
interest in the Trust, receiving collections on the Receivables, making payments
on the  Certificates and engaging in related  activities.  The Trustee holds the
Trust  Assets in trust for the benefit of the holders of the  Certificates,  and
the Servicer services the Receivables.

         As of  February  28,  2003,  the Trust had four  outstanding  series of
Certificates. On November 19, 1997, the Trust issued in a public transaction the
Class A Floating  Rate Asset  Backed  Certificates,  Series  1997-2 (the "1997-2
Class A Certificates") and the Class B Floating Rate Asset Backed  Certificates,
Series 1997-2 (the "1997-2 Class B Certificates"). In addition, the Trust issued
in private  transactions as part of Series 1997-2 an interest referred to as the
Collateral  Indebtedness  Interest and a class of investor certificates referred
to as the Class D  Certificates.  The 1997-2 Class A  Certificates  were paid in
full on November 15, 2002. The 1997-2 Class B Certificates  were paid in full on
January 15, 2003. On June 1, 2001, the Trust issued in a private transaction the
Series 2001-B  Variable  Funding  Certificates.  On December 19, 2001, the Trust
issued in a private transaction the Series 2001-C Variable Funding Certificates.
On July 19 2002, the Trust issued to the Transferor in a private transaction its
Collateral   Certificate.   The  Transferor  has  transferred   such  Collateral
Certificate to the FNANB Credit Card Master Note Trust (the "Note  Trust"),  and
the Note Trust has pledged such Collateral  Certificate to secure certain series
of asset backed notes issued by the Note Trust.  On July 19 2002, the Note Trust
issued in a public  transaction  the Class A Floating  Rate Asset Backed  Notes,
Series 2002-A.  In addition,  the Note Trust issued in private  transactions  as
part of Series 2002-A a class of notes  referred to as the Class B Floating Rate
Asset  Backed  Notes,  Series  2002-A.  The Trust  may  issue  from time to time
additional series of Certificates  evidencing  undivided  interests in the Trust
Assets.

         The  registrant  has prepared  this Form 10-K in reliance  upon various
no-action  letters  issued by the  Securities  and Exchange  Commission to other
trusts which are substantially  similar to the Trust. See, e.g., Banc One Credit
Card  Master  Trust  (avail.  May 26,  1995).  Items  designated  herein as "Not
Applicable" have been omitted as a result of such reliance.

Item 1.  Business.
         --------

         Not Applicable.

Item 2.  Properties.
         ----------

         See  introductory  statement to Part I above for a description of Trust
Assets.

Item 3.  Legal Proceedings.
         -----------------

         None.

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

         None.


                                     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.


Item 6.  Selected Financial Data.
         -----------------------

         Not Applicable.

Item 7.  Management's Discussion and Analysis of Financial Condition and Results
         -----------------------------------------------------------------------
         of Operation.
         ------------

         Not Applicable.

Item 7A. Quantitative and Qualitative Disclosures About Market Risk.
         ----------------------------------------------------------

         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.
         --------------------------------------------------------------

         Not Applicable.

Item 13. Certain Relationships and Related Transactions.
         ----------------------------------------------

         None.

Item 14. Controls and Procedures.
         -----------------------

         Not Applicable.



                                     PART IV
                                     -------

Item 15. Exhibits, Financial Statement Schedules, and Reports on Form 8-K.
         ----------------------------------------------------------------

         (a) Documents.
             ---------

             1.       Financial Statements.

                      Not Applicable.

             2.       Financial Statement Schedules.

                      Not Applicable.

             3.       Exhibits.

                      See Item 15(c).

         (b)Reports on Form 8-K.
            -------------------

         The  registrant  filed the following  Current  Reports on Form 8-K with
respect to the fiscal year ended February 28, 2003:  Current Reports on Form 8-K
dated March 15, 2002,  April 15, 2002,  May 15,  2002,  June 17, 2002,  July 15,
2002,  July 22,  2002,  August 6, 2002,  August 15,  2002,  September  16, 2002,
October 15,  2002,  October 18,  2002,  November  15,  2002,  December 16, 2002,
January 15, 2003,  February 18, 2003, and March 17, 2003  reporting  Items 5 and
7(c).

                  (c)      Exhibits.
                           ---------

                  Exhibits 99.1    Annual Servicer's Certificate.

                  (d)      Financial Statement Schedules.
                           -----------------------------

                           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, thereunto duly authorized.


                          FNANB CREDIT CARD MASTER TRUST

                          By: FIRST NORTH AMERICAN
                              NATIONAL BANK, as Servicer


                          By:/s/ Philip J. Dunn
                              Philip J. Dunn
                              Vice President

Dated as of: May 29th, 2003




                                  CERTIFICATION

I, Philip J. Dunn, certify that:

1. I have reviewed this annual report on Form 10-K,  and all reports on Form 8-K
containing  distribution  or  servicing  reports  filed in  respect  of  periods
included in the year covered by this annual report,  of FNANB Credit Card Master
Trust;

2. Based on my knowledge,  the  information in these reports,  taken as a whole,
does not  contain  any untrue  statement  of a material  fact or omit to state a
material  fact  necessary  to  make  the  statements   made,  in  light  of  the
circumstances  under which such  statements  were made, not misleading as of the
last day of the period covered by this annual report;

3. Based on my knowledge,  the servicing  information required to be provided to
the  trustee by the  servicer  under the  pooling  and  servicing  agreement  is
included in these reports;

4. I am responsible for reviewing the activities performed by the servicer under
the pooling and  servicing  agreement and based upon the review  required  under
that  agreement,  and  except as  disclosed  in the  report,  the  servicer  has
fulfilled its obligations under that agreement; and

5. I have  disclosed  to  the  registrant's  certified  public  accountants  all
significant  deficiencies relating to the servicer's compliance with the minimum
servicing standards in accordance with a review conducted in compliance with the
Uniform Single  Attestation  Program for Mortgage Bankers or similar standard as
set forth in the pooling and servicing agreement.


Date: May 29, 2003

/s/ Philip J. Dunn
Philip J. Dunn
Vice President




Supplemental Information to be Furnished with Reports Filed Pursuant to Section
15(d) of the Act by Registrants Which Have Not Registered Securities Pursuant to
Section 12 of the Act.

No annual report, proxy statement, form of proxy or other soliciting material
has been sent to holders of the Certificates during the period covered by this
report, and the registrant does not intend to furnish such materials to holders
of the Certificates subsequent to the filing of this report.



                                INDEX TO EXHIBITS

Exhibit           Description
Number            of Exhibit

99.1              Annual Servicer's Certificate.