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                                                                     EXHIBIT 28B


                        MONTHLY SERVICER'S CERTIFICATE
                     First USA Bank, National Association
        _______________________________________________________________

                         First Chicago Master Trust II
                               February 12, 2001
        _______________________________________________________________


The undersigned, duly authorized representatives of First USA Bank, National
Association ("First USA"), as Servicer pursuant to the Pooling and Servicing
Agreement dated as of June 1, 1990, as amended and restated as of September 1,
1999, as amended and supplemented, (the "Pooling and Servicing Agreement") by
and between First USA, as Seller and Servicer and Norwest Bank Minnesota,
National Association, as Trustee, does hereby certify as follows:

  1. Capitalized terms used in this Certificate have their respective meanings
     set forth in the Pooling and Servicing Agreement.

  2. First USA is as of the date hereof the Seller and Servicer under the
     Pooling and Servicing Agreement.

  3. The undersigned are Servicing Officers.

  4. The aggregate amount of Collections processed for the
     Due Period for this Distribution Date was equal to        $4,917,925,002.92

  5. (a) The aggregate amount of such Collections allocated
     to Principal Receivables for the Due Period for this
     Distribution Date was equal to                            $4,702,916,484.69

     (b) The aggregate amount of such Collections allocated
     to Finance Charge Receivables for the Due Period for
     this Distribution Date was equal to                       $  215,008,518.23

  6. (a) The aggregate Interchange Amount (which will be
     included as Finance Charge Receivables for all Series)
     for this Distribution Date was equal to                   $   75,246,663.76

     (b) The aggregate Net Recoveries Amount (which will be
     included as Finance Charge Receivables for all Series)
     for this Distribution Date was equal to                   $    2,642,061.17
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  7. The Invested Percentage of Collections allocated to Principal Receivables
     for the Due Period was equal to for:

          Series 1995-M                     3.823%
          Series 1995-O                     3.823%
          Series 1996-Q                     6.881%
          Series 1996-S                     5.352%
          Series 1997-U                     3.058%
          Series 1998-V                     7.645%
          Series 1999-W                     5.734%
          Series 1999-X                     5.734%
          Series 1999-Y                     4.205%

                                       2
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  8. The Invested Percentage of Collections allocated to Finance Charge
     Receivables for the Due Period was equal to for:

          Series 1995-M                      3.823%
          Series 1995-O                      3.823%
          Series 1996-Q                      6.881%
          Series 1996-S                      5.352%
          Series 1997-U                      3.058%
          Series 1998-V                      7.645%
          Series 1999-W                      5.734%
          Series 1999-X                      5.734%
          Series 1999-Y                      4.205%

                                       3
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  9. The Invested Percentage with respect to the Investor Default Amount for the
     Due Period was equal to for:

          Series 1995-M                    3.823%
          Series 1995-O                    3.823%
          Series 1996-Q                    6.881%
          Series 1996-S                    5.352%
          Series 1997-U                    3.058%
          Series 1998-V                    7.645%
          Series 1999-W                    5.734%
          Series 1999-X                    5.734%
          Series 1999-Y                    4.205%

                                       4
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  10. The aggregate amount of drawings or payments, if any, under the
      Enhancement, if any, required to be made on the next succeeding
      Distribution Date is equal to for:

          Series 1995-M                    $0.00
          Series 1995-O                    $0.00
          Series 1996-Q                    $0.00
          Series 1996-S                    $0.00
          Series 1997-U                    $0.00
          Series 1998-V                    $0.00
          Series 1999-W                    $0.00
          Series 1999-X                    $0.00
          Series 1999-Y                    $0.00

                                       5
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  11. The amount of interest due on the Cash Collateral Account loan, if
      applicable, required to be paid on the next Distribution Date is equal to
      for:

          Series 1995-M                    $0.00
          Series 1995-O                    $0.00
          Series 1996-Q                    $0.00
          Series 1996-S                    $0.00
          Series 1997-U                    $0.00
          Series 1998-V                    $0.00
          Series 1999-W                    $0.00
          Series 1999-X                    $0.00
          Series 1999-Y                    $0.00

                                       6
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  12. The amount of Monthly Servicing Fee required to be paid on the next
      succeeding Distribution Date is equal to for:

          Series 1995-M            $  714,285.72
          Series 1995-O            $  714,285.72
          Series 1996-Q            $1,285,714.28
          Series 1996-S            $1,000,000.00
          Series 1997-U            $  571,428.58
          Series 1998-V            $1,428,571.43
          Series 1999-W            $1,071,428.57
          Series 1999-X            $1,071,428.57
          Series 1999-Y            $  785,714.29

                                       7
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  13.  The aggregate amount payable to the Investor Certificateholders on the
       succeeding Distribution Date in respect of interest is equal to for:

          Series 1995-M            $2,926,190.48
          Series 1995-O            $2,928,273.81
          Series 1996-Q            $5,179,821.43
          Series 1996-S            $4,039,962.00
          Series 1997-U            $2,302,142.87
          Series 1998-V            $5,946,880.60
          Series 1999-W            $4,369,917.08
          Series 1999-X            $4,389,815.18
          Series 1999-Y            $3,215,535.72

                                       8
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  14. The aggregate amount payable to the Investor Certificateholders on the
      succeeding Distribution Date in respect of principal is equal to for:

          Series 1995-M                   $0.00
          Series 1995-O                   $0.00
          Series 1996-Q                   $0.00
          Series 1996-S                   $0.00
          Series 1997-U                   $0.00
          Series 1998-V                   $0.00
          Series 1999-W                   $0.00
          Series 1999-X                   $0.00
          Series 1999-Y                   $0.00

                                       9
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  15.  The excess, if any, of the Seller Amount over the
       Aggregate Principal Receivables required to be
       maintained pursuant to the Agreement.................  $8,034,300,542.11

  16.  The Seller Amount for the Due Period divided by
       Aggregate Principal Receivables for the Due Period...             53.746%

  17.  The Minimum Seller's Interest Percentage.............              7.000%

  18.  Attached hereto is a true and correct copy of then
       statement required to be delivered by the Servicer
       on the date of this Certificate to the Trustee in
       respect of each Series of outstanding pursuant to
       Section 5.02(a) of the Agreement, if applicable.

  19.  As of the the date hereof, to the best knowledge of
       the undersigned, no default in the performance of
       the obligation of the Servicer under the Pooling
       and Servicing Agreement has occurred or is
       continuing except as follows:                                       NONE

  20.  As of the date hereof no Liquidation Event has been
       deemed to have occurred for the Due Period for this
       Distribution Date with respect to any Series.

  21.  As of the date hereof, to the best of the knowledge
       of the undersigned, no Lien has been placed on any
       of the Receivables other than the Lien granted by
       the Pooling and Servicing Agreement.

  22.  During the preceding calendar month, the number of
       newly - originated Accounts was......................             34,238

                                       10
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MONTHLY SERVICER'S CERTIFICATE
Signature Page

IN WITNESS WHEREOF, the undersigned have duly executed and delivered this
certificate the date first set forth above.


                                   First USA Bank, National Association
                                     as Servicer



                                   By:       /s/ Tracie Klein
                                             ----------------------------
                                             TRACIE KLEIN
                                   Title:    FIRST VICE PRESIDENT