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                                 UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C.  20549

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                                   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, 2000

[   ]   Transition Report Pursuant to Section 13 or 15(d) of the Securities
        Exchange Act of 1934

                       Commission File Number: 333-24023

                     FIRST USA BANK, NATIONAL ASSOCIATION
               (As Successor to First National Bank of Commerce)
            (Exact name of Registrant as specified in its charter)
         (As Servicer on behalf of First NBC Credit Card Master Trust)

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

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

     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:

                             Title of each class:
                      First NBC Credit Card Master Trust
            Class A 6.15% Asset Backed Certificates, Series 1997-1
                                      and
            Class B 6.35% Asset Backed Certificates, Series 1997-1

Indicate by check mark whether the Registrant (1) has filed all reports 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         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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                               Introductory Note
                               -----------------

First USA Bank, National Association, a national banking association organized
under the laws of the United States (the "Bank"), which is a direct wholly owned
subsidiary of BANK ONE CORPORATION ("BANK ONE"), is the Transferor and Servicer
under the Pooling and Servicing Agreement (the "Agreement"), dated as of August
1, 1997, between the Bank, as the Transferor and the Servicer, and The Bank of
New York, as the Trustee (the "Trustee"), relating to the First NBC Credit Card
Master Trust (the "Trust"), and the Supplements for all Series of Investor
Certificates issued thereunder.

The Bank is the Transferor and Servicer under the Series 1997-1 Supplement to
the Agreement dated as of August 1, 1997 and the Series 1998-1 Supplement to the
Agreement dated as of September 24, 1998.  The Certificates issued pursuant to
the Series 1998-1 Supplement to the Agreement were privately placed.


                                    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 lawsuits seeking class action certification in both
state and federal courts.  These lawsuits challenge certain policies and
practices of the Bank's credit card business.  A few of these lawsuits have been
conditionally certified as class actions to permit settlement of the claims.
The Bank has defended itself against claims in the past and intends to continue
to do so in the future.  While it is impossible to predict the outcome of any of
these lawsuits, the Bank believes that any liability which might result from
these lawsuits will not have a material adverse effect on the Trust.

ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OR SECURITY HOLDERS

None.













                                       2
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                                    PART II

ITEM 5.  MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED
         STOCKHOLDER MATTERS

The Certificates representing investors' interests in the Trust are held and
delivered in book-entry form through the facilities of the Depository Trust
Company ("DTC"), a "clearing agency" registered pursuant to the provisions of
Section 17A of the Securities Exchange Act of 1934, as amended.  All outstanding
Certificates are held by Cede & Co., the nominee of DTC.  The records of DTC
indicate that, at December 31, 2000, there were:  (i) thirty-four (34) DTC
participants holding a position in the Class A 6.15% Asset Backed Certificates,
Series 1997-1; and (ii) three (3) DTC participants holding a position in the
Class B 6.35% Asset Backed Certificates, Series 1997-1.

ITEM 6.  SELECTED FINANCIAL DATA

Not applicable.

ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
         AND RESULTS OF OPERATIONS

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.

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

(a)  The certificates of each Class of Series 1997-1 representing investors'
interests in the First NBC Credit Card Master Trust are represented by one or
more Certificates registered in the name of Cede & Co., the nominee of DTC, and
an investor holding an interest in the First NBC Credit Card Master 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, 2000. At December 31,
2000, the following direct participants held positions in the Certificates
representing interests in the First NBC Credit Card Master Trust, Series 1997-1
equal to or exceeding 5% of the total principal amount of the Certificates of
each Class of such Series outstanding on that date.

<TABLE>
<CAPTION>
                                                                  PRINCIPAL              % OF
CLASS A                                                            AMOUNT              OWNERSHIP
-------                                                            ------              ---------

<S>                                                     <C>                   <C>
Bank of New York (The)                                           $30,590,000             11.79%
925 Patterson Plank Road
Secaucus, NJ  07094

Bankers Trust Company/Banc One Capital Markets Inc.              $35,300,000             13.60%
16 Wall Street, 5th Floor
New York, NY  10005

Boston Safe Deposit and Trust Company                            $25,165,000              9.70%
c/o Mellon Bank N.A.
Three Mellon Bank Center
Room 153-3015
Pittsburgh, PA  15259

Chase Manhattan Bank                                             $42,650,000             16.44%
4 New York Plaza, 13th Floor
New York, NY  10004

Citibank, N.A.                                                   $17,710,000              6.82%
3800 Citicorp Center Tampa
Tampa, FL  33610-9122

Northern Trust Company (The)                                     $42,255,000             16.28%
801 S. Canal C-IN
Chicago, IL  60607
</TABLE>

                                       4
<PAGE>

<TABLE>
<S>                                                     <C>                   <C>
State Street Bank and Trust Company                              $26,490,000             10.21%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA  02171




CLASS B
-------

Bear, Stearns Securities Corp.                                    $5,000,000             23.81%
One Metrotech Center North, 4th Floor
Brooklyn, NY  11201-3862

Chase Manhattan Bank                                             $14,000,000             66.67%
4 New York Plaza, 13th Floor
New York, NY  10004

Citibank, N.A.                                                    $2,000,000              9.52%
3800 Citicorp Center Tampa
Tampa, FL  33610-9122
</TABLE>

(b)    Not applicable.

(c)    None.

ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None.

                                       5
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                                    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)      Not applicable.
          (ii)     Not applicable.
          (iii)    Exhibits
                   99.1    Annual Servicer's Certificate
                   99.2    Annual Independent Accountants' Servicing Report of
                           Arthur Andersen LLP on Management's Assertions

(b)       During the quarter ended December 31, 2000, the following reports on
          Form 8-K were filed with respect to the Trust:


          Reports dated                  Items Reported
          -------------                  --------------

          October 10, 2000               7
          November 10, 2000              7
          December 11, 2000              7

(c)       See Item 14(a)(iii) above.

(d)       Not applicable.

                                       6
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                                   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, on behalf of First NBC Credit Card Master Trust



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



Dated:  March 23, 2001
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                                       7
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                               INDEX OF EXHIBITS



Exhibit Number    Exhibit Description                                       Page
--------------    -------------------                                       ----


99.1              Annual Servicer's Certificate                                9

99.2              Annual Independent Accountants' Servicing Report of      10-11
                  Arthur Andersen LLP on Management's Assertions

                                       8