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: 333-94035-01


                      CIRCUIT CITY 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 2000-2

     Class B Floating Rate Asset Backed Certificates, Series 2000-2

         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).


         Indicate by check mark if disclosure of delinquent  filers  pursuant to
Item 405 of Regulation S-K (ss.229.405 of this chapter) 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 Circuit  City 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 Tyler
International Funding, 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 Deutsche Bank
Trust Company  Americas  (formerly known as Bankers Trust  Company),  as Trustee
(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  consumer  revolving  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),
all  proceeds  of the  Receivables  and  proceeds of credit  insurance  policies
relating to the  Receivables,  all monies on deposit in certain bank accounts of
the Trust  (excluding  investment  earnings on such  amounts,  unless  otherwise
specified)  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 cap  agreement,  interest  rate swap  agreement,  spread
account,  reserve  account or other similar  arrangement  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 five  outstanding  series of
Certificates.  On November 12, 1998,  the Trust issued in a private  transaction
the Series 1998-2 Variable Funding Certificates. On November 29, 2000, the Trust
issued  in  a  public  transaction  the  Class  A  Floating  Rate  Asset  Backed
Certificates,  Series  2000-2,  and  the  Class B  Floating  Rate  Asset  Backed
Certificates,  Series 2000-2 (together,  the "2000-2 Public  Certificates").  In
addition,  the Trust  issued in private  transactions  as part of Series  2000-2
interests  referred to as the  Collateralized  Trust  Obligations and a class of
investor certificates  referred to as the Class D Certificates.  On May 7, 2002,
the Trust issued in a public  transaction the Class A Floating Rate Asset Backed
Certificates,  Series  2002-1,  and  the  Class B  Floating  Rate  Asset  Backed
Certificates,  Series 2002-1  (together,  the "2002-1 Public  Certificates"  and
collectively with the 2000-2 Public Certificates, the "Public Certificates"). In
addition,  the Trust  issued in private  transactions  as part of Series  2002-1
interests  referred to as the  Collateralized  Trust  Obligations and classes of
investor  certificates  referred to as the Class D Certificates  and the Class E
Certificates.  On May 30, 2002,  the Trust issued in a private  transaction  the
Series 2002-2  Variable  Funding  Certificates.  On February 28, 2003, the Trust
issued in a private transaction the Series 2003-1 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.
         -----------------

         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.

         (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  four  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  four  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.
         ----------------------------------------------

         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, May 21, 2002, June 17, 2002,
July 15, 2002, August 15, 2002,  September 16, 2002, October 15, 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.

         Exhibit 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.


                                CIRCUIT CITY 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 29, 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 Circuit City 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.