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                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C.  20549

                                   FORM 10-K
                                   ---------
[X]  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
     ACT OF 1934
                  For the Fiscal Year Ended December 31, 1999

[ ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
     EXCHANGE ACT OF 1934

                        Commission file number 33-81786
                        -------------------------------

                     FIRST USA BANK, NATIONAL ASSOCIATION
            (Exact name of registrant as specified in its charter)
  (As Servicer on behalf of CC Master Credit Card Trust (formerly Chevy Chase
                           Master Credit Card Trust))

   Laws of the United States                                51-0269396
   (State or other jurisdiction of                       (I.R.S. Employer
   incorporation or organization)                       Identification No.)

   201 North Walnut Street                                    19801
   Wilmington, Delaware                                     (Zip Code)
  (Address of principal executive offices)

      Registrant's telephone number, including area code:  (302) 594-4000

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

Securities registered pursuant to Section 12(g) of the Act:
$ 322,000,000 Class A Floating Rate Asset Backed Certificates, Series 1994-5
$  28,000,000 Class B Floating Rate Asset Backed Certificates, Series 1994-5

$ 319,375,000 Class A Floating Rate Asset Backed Certificates, Series 1995-1
$  30,625,000 Class B Floating Rate Asset Backed Certificates, Series 1995-1

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 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 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.

Not Applicable.

State the aggregate market value of the voting stock held by non-affiliates of
the Registrant.  The aggregate market value shall be computed by reference to
the price at which the stock was sold, or the average bid and asked prices of
such stock, as of a specified date within 60 days prior to the date of filing.

Not Applicable.

Indicate the number shares outstanding of each of the Registrant's class of
common stock, as of the latest practicable date.

Not Applicable.

                  DOCUMENTS INCORPORATED BY REFERENCE: NONE

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<PAGE>

                               Introductory Note
                               -----------------

First USA Bank, National Association, (the "Bank"), a direct wholly owned
subsidiary of BANK ONE CORPORATION ("BANK ONE"), is the Seller and Servicer of
the CC Master Credit Card Trust (formerly Chevy Chase Master Credit Card Trust)
(the "Trust") under the Amended and Restated Pooling and Servicing Agreement
dated as of August 1, 1994, between the Bank, as Seller and Servicer, and
Bankers Trust Company, as Trustee (the "Trustee"), as supplemented and amended
(the "Amended and Restated Pooling and Servicing Agreement").

Effective September 17, 1999, the  Bank, was merged with and into FCC National
Bank, an affiliated national banking association, and the surviving entity.  The
surviving entity was renamed "First USA Bank, National Association".

The Certificates listed on page 1 hereof will be referred to collectively herein
as the "Certificates".  The Certificates do not represent obligations of or
interests in the Bank.

The Bank will respond only to certain items of Form 10-K.  In doing so, the Bank
will be relying on a letter dated July 31, 1989 from the Securities and Exchange
Commission, Division of Corporation Finance, Office of Chief Counsel to Chevy
Chase Bank, F.S.B., the then Servicer of the Trust, granting the Servicer of the
Trust relief from the requirement to respond to various items of Form 10-K.  The
items to which the Bank is not required to respond are designated herein as "Not
Applicable".

                                    PART I

ITEM 1.   BUSINESS

Not Applicable

ITEM 2.   PROPERTIES

Not Applicable

ITEM 3.   LEGAL PROCEEDINGS

There are no material pending legal proceedings with respect to the Trust,
involving the Trust, the Trustee or the Registrant.  The Bank is a defendant in
various lawsuits, including certain class actions, generally arising out of its
normal course of business.

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

Each of the Certificates, representing investors' interests in the Trust, are
represented by a single certificate registered in the name of Cede & Co., the
nominee for The Depository Trust Company ("DTC").

                                       2
<PAGE>

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

Throughout 1999, BANK ONE executed project plans to assure Year 2000 readiness.
These plans included verifying the readiness of internal information technology
systems and equipment, and working with external entities, including customers,
vendors, utilities and governmental agencies, to verify that they had
appropriately addressed Year 2000 readiness issues.  Specific business
continuity and event plans were designed to address potential disruption and
ensure that BANK ONE was positioned to rapidly respond to issues.

BANK ONE had estimated total Year 2000 readiness costs to reach $350 million
over the life of the project, and incurred total costs of approximately $343
million.

BANK ONE had an uneventful transition to the Year 2000.  BANK ONE's systems,
equipment and facilities continued and continue to function normally through the
transition and into Year 2000.  Normal products and services of BANK ONE have
been available to customers throughout such time, and BANK ONE experienced no
significant impact from Year 2000 readiness status of external entities.  To
meet potential Year 2000 contingencies and potential liquidity needs, BANK ONE
increased the value of loans pledged to the Federal Reserve for discount window
borrowing.

On an ongoing basis, BANK ONE will continue to monitor its systems, equipment
and facilities throughout 2000 and beyond.

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

                                       3
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ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

Each of the Certificates, representing investor's interests in the Trust, are
represented by a single certificate 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 certain limited
circumstances.  Accordingly, Cede & Co. is the sole holder of record of the
Certificates, which it held on behalf of approximately 36 brokers, dealers,
banks and other direct participants in the DTC system at December 31, 1999.
Such direct participants may hold Certificates for their own accounts or for the
accounts of their customers.  The following table sets forth, with respect to
each of the Certificates, the identity of each direct DTC participant that holds
a position in such Certificate in excess of 5% of the outstanding principal
amount thereof at December 31, 1999.

<TABLE>
s<CAPTION>

                                                                     (3) Amount and Nature
                                 (2) Name and Address of                of Beneficial            (4) Percent
  (1) Title Of Class                  Beneficial Owners                Ownership $(000's)          of Class
----------------------                ------------------               -------------------         --------
<S>                             <C>                                    <C>                         <C>
Class A Floating Rate           Bank of New York (The)                       $64,000                19.88%
Asset Backed                    925 Patterson Plank Road
Certificates, Series            Secaucus, NJ  07094
1994-5

                                Chase Manhattan Bank                         $62,400                19.38%
                                4 New York Plaza, 13th Floor
                                New York, NY 10004

                                Northern Trust Company (The)                 $25,000                 7.76%
                                801 S. Canal C-IN
                                Chicago, IL  60607

                                Prudential Securities Custody                $92,550                28.74%
                                c/o ADP Proxy Services
                                51 Mercedes Way
                                Edgewood, NY  11717

                                Republic National Bank of New York           $21,900                 6.80%
                                Investment Account
                                One Hanson Place
                                Lower Level
                                Brooklyn, NY  11243

                                State Street Bank and Trust Company          $25,550                 7.93%
                                Global Corp. Action Unit JAB 5NW
                                1776 Heritage Dr.
                                No. Quincy, MA  02171
</TABLE>

                                       4
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<TABLE>
<S>                             <C>                                          <C>                    <C>
Class B Floating Rate           Boston Safe Deposit and Trust Company        $11,000                39.29%
Asset Backed                    c/o Mellon Bank, N.A.
Certificates, Series            Three Mellon Bank Center
1994-5                          Room 153-3015
                                Pittsburgh, PA  15259

                                Chase Manhattan Bank                          $3,000                10.71%
                                4 New York Plaza, 13th Floor
                                New York, NY  10004

                                Prudential Securities Custody                $14,000                50.00%
                                c/o ADP Proxy Services
                                51 Mercedes Way
                                Edgewood, NY  11717

Class A Floating Rate           Bankers Trust Company                        $39,750                12.45%
Asset Backed                    c/o BT Services Tennessee Inc.
Certificates, Series            648 Grassmere Park Drive
1995-1                          Nashville, TN 37211

                                Chase Manhattan Bank                         $82,250                25.75%
                                4 New York Plaza, 13th Floor
                                New York, NY  10004

                                Citibank, N.A.                               $22,000                 6.89%
                                P.O. Box 30576
                                Tampa, FL  33630-3576

                                Fuji Bank and Trust Company (The)            $20,000                 6.26%
                                2 World Trade Center, 81st Floor
                                New York, NY  10048

                                Northern Trust Company (The)                 $38,875                12.17%
                                801 S. Canal C-IN
                                Chicago, IL  60607

                                Prudential Securities Custody                $23,000                 7.20%
                                c/o ADP Proxy Services
                                51 Mercedes Way
                                Edgewood, NY  11717

                                Republic National Bank of New York           $45,000                14.09%
                                Investment Account
                                One Hanson Place
                                Lower Level
                                Brooklyn, NY  11243
</TABLE>

                                       5
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<TABLE>
<S>                             <C>                                          <C>                    <C>
                                State Street Bank and Trust Company          $30,000                  9.39%
                                Global Corp. Action Unit JAB 5NW
                                1776 Heritage Dr.
                                No. Quincy, MA  02171

Class B Floating Rate           Bankers Trust Company                         $2,800                  9.14%
Asset Backed                    c/o BT Services Tennessee Inc.
Certificates, Series            648 Grassmere Park Drive
1995-1                          Nashville, TN  37211

                                Boston Safe Deposit and Trust Company        $10,000                 32.65%
                                c/o Mellon Bank, N.A.s
                                Three Mellon Bank Center
                                Room 153-3015
                                Pittsburgh, PA  15259

                                Fuji Bank and Trust Company (The)            $10,000                 32.65%
                                2 World Trade Center, 81st Floor
                                New York, NY  10048

                                State Street Bank and Trust Company           $4,725                 15.43%
                                Global Corp. Action Unit JAB 5NW
                                1776 Heritage Dr.
                                No. Quincy, MA  02171
</TABLE>

ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None

                                    PART IV

ITEM 14.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS
          ON FORM 8-K

(a)       The following documents are filed as part of this Report:

          (i)   Summary of annual distributions on the Certificates to
                Certificateholders for the year ended December 31, 1999.

          (ii)  Annual Accountant's Report dated November 19, 1999 and
                Management's Assertion.

          No proxy soliciting material has been distributed by the Trust.

                                       6
<PAGE>

                                   SIGNATURE

     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.

                                 FIRST USA BANK, NATIONAL ASSOCIATION as
                                 Servicer of CC Master Credit Card Trust
                                 (formerly Chevy Chase Master Credit Card
                                 Trust)



                                 By:    /s/Tracie H. Klein
                                      -------------------------------------
                                        Name:  Tracie H. Klein
                                        Title: First Vice President


Date:   March 24, 2000
        --------------

                                       7
<PAGE>
<PAGE>

CC Master Credit Card Trust
Series 1994-5
1999 Distributions

Pursuant to Section 5.2 (c) of the CC Master Credit
Card Trust Series 1994-5 Supplement to the Agreement,
First USA Bank, NA., must provide the following
information on an aggregate basis for the year ended
December 31, 1999:


A.    1.  The total amount of the distribution to
          Class A Certificateholders during 1999
          per $1,000 original certificate
          principal amount.                                          $    629.55

      2.  The amount of the distribution set forth
          in paragraph 1 above in respect of interest
          on the Class A Certificates, per $1,000
          original certificate principal amount.                     $     46.22

      3.  The amount of the distribution set forth
          in paragraph 1 above in respect of principal
          on the Class A Certificates, per $1,000
          original certificate principal amount.                     $    583.33


B.    1.  The total amount of the distribution to
          Class B Certificateholders during 1999
          per $1,000 original certificate
          principal amount.                                          $     56.57

      2.  The amount of the distribution set forth
          in paragraph 1 above in respect of interest
          on the Class B Certificates, per $1,000
          original certificate principal amount.                     $     56.57

      3.  The amount of the distribution set forth
          in paragraph 1 above in respect of principal
          on the Class B Certificates, per $1,000
          original certificate principal amount.                     $      0.00
<PAGE>

CC Master Credit Card Trust
Series 1995-1
1999 Distributions

Pursuant to Section 5.2 (c) of the CC Master Credit
Card Trust Series 1995-1 Supplement to the Agreement,
First USA Bank, NA., must provide the following
information on an aggregate basis for the year ended
December 31, 1999:


A.    1.  The total amount of the distribution to
          Class A Certificateholders during 1999
          per $1,000 original certificate
          principal amount.                                          $    338.02

      2.  The amount of the distribution set forth
          in paragraph 1 above in respect of interest
          on the Class A Certificates, per $1,000
          original certificate principal amount.                     $     52.31

      3.  The amount of the distribution set forth
          in paragraph 1 above in respect of principal
          on the Class A Certificates, per $1,000
          original certificate principal amount.                     $    285.71


B.    1.  The total amount of the distribution to
          Class B Certificateholders during 1999
          per $1,000 original certificate
          principal amount.                                          $     55.86

      2.  The amount of the distribution set forth
          in paragraph 1 above in respect of interest
          on the Class B Certificates, per $1,000
          original certificate principal amount.                     $     55.86

      3.  The amount of the distribution set forth
          in paragraph 1 above in respect of principal
          on the Class B Certificates, per $1,000
          original certificate principal amount.                     $      0.00
<PAGE>

                         [ARTHUR ANDERSEN LETTERHEAD]



                   REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS


We have examined the accompanying management's assertion about First USA Bank,
N.A.'s (the "Servicer"), compliance with the covenants and conditions set forth
in Article III (Administration and Servicing of Receivables) and Article IV
(Rights of Certificateholders and Allocation and Application of Collections) and
Section 8.08 of the CC Master Credit Card Trust (formerly the Chevy Chase Master
Credit Card Trust) Amended and Restated Pooling and Servicing Agreement, dated
as of August 1, 1994 (as amended) between  the Servicer and Bankers Trust (as
Trustee for the various Certificateholders and Enhancement Providers of the CC
Master Credit Card Trust) and the applicable provisions of each Supplement
(collectively, the "Agreement"), as of September 30, 1999.  Management is
responsible for the Servicer's compliance with the Agreement.  Our
responsibility is to express an opinion on management's assertion about the
Servicer's 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
examining, on a test basis, evidence about the Servicer's compliance with those
requirements and performing such other procedures as we considered necessary in
the circumstances.  We believe that our examination provides a reasonable basis
for our opinion.

As discussed in management's assertion, management, in providing its assertion
on compliance, assumed the accuracy of the reports prepared by the Servicer's
third party credit card processor and did not extend its assessment to the
relevant aspects of the Servicer's compliance that are the responsibility of the
third party credit card processor.  Accordingly, our examination did not extend
to these aspects of the Servicer's compliance that are the responsibility of the
third party credit card processor, and we do not express an opinion or any other
form of assurance on these compliance aspects.

In our opinion, management's assertion that the Servicer complied with the
covenants and conditions of the sections of the Agreement referred to above as
of September 30, 1999,is fairly stated, in all material respects.


                                         /s/ Arthur Andersen LLP

Chicago, Illinois
November 19, 1999
<PAGE>

                       ASSERTION BY FIRST USA BANK, N.A.

The management of First USA Bank, N.A. (the "Servicer") is responsible for
complying with the covenants and conditions set forth in Article III
(Administration and Servicing of Receivables), Article IV (Rights of
Certificateholders and Allocation and Application of Collections) and Section
8.08 of the CC Master Credit Card Trust (formerly the Chevy Chase Master Credit
Card Trust) Amended and Restated Pooling and Servicing Agreement, dated as of
August 1, 1994 (as amended) between the Servicer and Bankers Trust (as Trustee
for the various Certificateholders and Enhancement Providers of the CC Master
Credit Card Trust) and the applicable provisions of each Supplement
(collectively, the "Agreement").

Management has performed an evaluation of the Servicer's compliance with the
Agreement and based on this evaluation management believes that the Servicer has
complied with the covenants and conditions of the sections of the Agreement
referred to above as of September 30, 1999.  During the year, the Servicer
experienced some delays in the posting of payments to customer accounts due to
backlogs that occurred at our third party processor.  Our relationship with this
processor has since been terminated and as of September 30, 1999, payments are
being processed internally and in accordance with Bank policy.  Management has
worked diligently to reimburse in full cardholders affected by the above delays
for any and all fees and finances charges incurred as a result of the delays.

In providing this assertion on compliance, we have assumed the accuracy of the
reports prepared by the Servicer's third party credit card processor and did not
extend our assessment to the relevant aspects of the Servicer's compliance that
are the responsibility of the third party credit card processor.  Accordingly,
our assessment does not extend to these aspects of the Servicer's compliance
that are the responsibility of the third party credit card processor, and we do
not express any form of assurance on these compliance aspects.


/s/ Jeffrey Rigg                        /s/ Tracie H. Klein
__________________________________      ________________________________________
Jeffrey Rigg                            Tracie H. Klein
Senior Vice President - Accounting      First Vice President


/s/ Michael Looney
__________________________________
Michael Looney
Executive Vice President - Operations