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, 2002

Commission file number:  000-24535


                         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:

     Class A Floating Rate Asset Backed Certificates, Series 1997-2
     Class B Floating Rate Asset Backed Certificates, Series 1997-2

         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 _____
                       ------

--------
       (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).


         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,  2002,  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 and the Class B
Floating Rate Asset Backed  Certificates,  Series 1997-2 (together,  the "1997-2
Public 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.  On February 27, 2001,  the Trust issued in a private  transaction
the Series 2001-A  Variable  Funding  Certificates.  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.  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.
         -----------------

         To the best knowledge of the registrant,  there are no material pending
legal  proceedings  involving  the Trust,  the  Transferor,  the Servicer or the
Trustee.

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

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

         (b) The  Public  Certificates  are  represented  by  five  certificates
registered  in the  name of Cede & Co.,  the  nominee  of The  Depository  Trust
Company ("DTC").


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

         (a) The  Public  Certificates  are  represented  by  five  certificates
registered in the name of Cede & Co., and an investor holding an interest in the
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 Public Certificates, which it holds on behalf of brokers, dealers,
banks and other direct  participants in the DTC system. Such direct participants
may hold Public Certificates for their own accounts or for the accounts of their
customers.  The address of Cede & Co. is c/o The Depository  Trust  Company,  55
Water Street, New York, New York 10041.

         (b) Not Applicable.

         (c) Not Applicable.


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

         (a)  To  the  best   knowledge  of  the   registrant,   there  were  no
transactions,  or series of similar  transactions,  during the fiscal year ended
February 28, 2002, and there are no currently proposed  transactions,  or series
of similar  transactions,  to which the Trust was or is to be a party,  in which
the  amount  involved  exceeds  $60,000  and in which  any  person  known to the
registrant  to own of  record or  beneficially  more  than  5.00% of the  Public
Certificates had, or will have, a direct or indirect material interest.

         (b) Not Applicable.

         (c) Not Applicable.

         (d) Not Applicable.


                                     PART IV

Item 14. 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 14(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, 2002:  Current Reports on Form 8-K
dated March 15, 2001,  April 16, 2001, May 15, 2001,  July 16, 2001,  August 15,
2001,  September  17, 2001,  October 15, 2001,  November 15, 2001,  December 17,
2001, January 15, 2002,  February 15, 2002, February 19, 2002 and March 15, 2002
reporting  Items 5 and 7(c) and providing  the Series 1997-2  Certificateholders
Statements and the Series 1998-1  Certificateholders  Statements, as applicable,
for the months of February 2001,  March 2001,  April 2001, May 2001,  June 2001,
July 2001, August 2001,  September 2001, October 2001,  November 2001,  December
2001, January 2002 and February 2002.

         (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, 2002




                               INDEX TO EXHIBITS

Exhibit      Description
Number       of Exhibit

99.1         Annual Servicer's Certificate.