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 29, 2004


                      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 2002-1
     Class B Floating Rate Asset Backed Certificates, Series 2002-1

     Class A Floating Rate Asset Backed Certificates, Series 2003-2
     Class B Floating Rate Asset Backed Certificates, Series 2003-2

             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. ( ) Not Applicable


             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,  as amended (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 29, 2004, the Trust had three outstanding  series of
Certificates.  On November 12, 1998,  the Trust issued in a private  transaction
the Series  1998-2  Variable  Funding  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").  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 April 25, 2003, the Trust issued in a public  transaction  the
Class A Floating Rate Asset Backed Certificates,  Series 2003-2, and the Class B
Floating Rate Asset Backed  Certificates,  Series 2003-2 (together,  the "2003-2
Public Certificates" and, collectively with the 2002-1 Public Certificates,  the
"Public Certificates"). In addition, the Trust issued in private transactions as
part  of  Series  2003-2  interests  referred  to as  the  Collateralized  Trust
Obligations  and a class of  investor  certificates  referred  to as the Class D
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 eight  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.


Item 9A.     Controls and Procedures.
             -----------------------

             Not Applicable.




                                    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 eight  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.
             ----------------------------------------------

             Not Applicable.

Item 14.     Principal Accounting Fees and Services.
             --------------------------------------

             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 29, 2004:  Current Reports on Form 8-K
dated March 17, 2003,  April 16, 2003,  May 12,  2003,  June 13, 2003,  July 15,
2003, August 15, 2003,  September 15, 2003, October 15, 2003, November 17, 2003,
December 15, 2003,  January 15, 2004,  February 17, 2004 and March 15, 2004,  in
each case  reporting  Items 5 and 7(c) and providing  the Series 2002-1  Monthly
Certificateholder's  Statement  and Series  2003-2  Monthly  Certificateholder's
Statement,  as applicable,  for the months of February 2003,  March 2003,  April
2003, May 2003, June 2003, July 2003, August 2003, September 2003, October 2003,
November  2003,  December  2003,  January 2004 and February 2004. The registrant
also filed a Current Report on Form 8-K dated May 2, 2003 reporting  items 5 and
7 and providing the Series 2003-2 Supplement and related agreements.


             (c) Exhibits.


             Exhibit 31 Certification.


             Exhibit 99.1 Annual Servicer's Certificate.


             Exhibit 99.2 Annual Report of Accountant Relative to Servicing.



             (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 14, 2004




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


Exhibit 31        Certification.

Exhibit 99.1      Annual Servicer's Certificate.

Exhibit 99.2      Annual Report of Accountant Relative to Servicing.