EXHIBIT 99.1



                          ANNUAL SERVICER'S CERTIFICATE


                       FIRST NORTH AMERICAN NATIONAL BANK

                     --------------------------------------

                      CIRCUIT CITY CREDIT CARD MASTER TRUST
                     --------------------------------------


          The  undersigned,  a duly  authorized  representative  of First  North
American National Bank ("FNANB"), as Servicer (the "Servicer"),  pursuant to the
Master  Pooling and  Servicing  Agreement,  dated as of October 4, 1994 (as such
agreement may have been, or may from time to time be,  amended,  supplemented or
otherwise modified,  the "Pooling and Servicing  Agreement"),  between FNANB, as
Transferor  and  as  Servicer,  and  Bankers  Trust  Company,  as  Trustee  (the
"Trustee"), does hereby certify that:

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

               2.   FNANB  is as of the  date  hereof  the  Servicer  under  the
                    Pooling and Servicing Agreement.

               3.   The undersigned is duly authorized pursuant to the Servicing
                    Agreement to execute and deliver this Officer's  Certificate
                    to the Trustee.

               4.   This certificate is delivered pursuant to Section 3.5 of the
                    Pooling and Servicing Agreement.

               5.   A review of the activities of the Servicer during the Fiscal
                    Year ended  February 28, 1999 and of its  performance  under
                    the  Pooling  and  Servicing  Agreement  was  made  under my
                    supervision.

               6.   Based  on such  review,  to the  best  of the  undersigned's
                    knowledge,   the  Servicer  has  fully   performed  all  its
                    obligations  under  the  Pooling  and  Servicing   Agreement
                    throughout  the Fiscal Year ended  February 28,  1999,and no
                    event which, with the giving of notice or passage of time or
                    both, would constitute a Servicer Default has occurred or is
                    continuing except as set forth in paragraph 7 below.

               7.   The  following is a  description  of each  Servicer  Default
                    under the provisions of the Pooling and Servicing  Agreement
                    known to the  undersigned to have occurred during the Fiscal
                    Year ended February 28, 1999, which sets forth in detail the
                    (i) nature of each such  Servicer  Default,  (ii) the action
                    taken by the Servicer,  if any, to remedy each such Servicer
                    Default and (iii) the current  status of each such  Servicer
                    Default: Not Applicable.


          IN WITNESS  WHEREOF,  the  undersigned,  a duly  authorized  Servicing
Officer, has duly executed this certificate as of this 21st day of May, 1999.


                                            /s/  Michael T. Chalifoux  
                                        Name:    Michael T. Chalifoux
                                        Title:   Chairman of the Board
                                                  and President