10-K

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 December 31, 1998

Commission file number 0-23973

BANK OF AMERICA NATIONAL ASSOCIATION     
on behalf of the 
FIRST OMNI BANK CREDIT CARD MASTER TRUST, SERIES 1996-A
(Exact name of registrant as specified in its charter)
 
United States                        86-0645265
(State or other jurisdiction of      (I.R.S. Employer
incorporation or organization        Identification No.) 
 
1825 E. Buckeye Road
Phoenix, AZ                                        	85034 
(Address of principal executive offices)         (Zip Code) 
  
(Registrant's telephone number, including area code)(704) 386-4103

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act:

     Class A 6.65% Asset Backed Certificates, Series 1996-A

Indicate by check mark whether the registrant (i) 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 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. [X] 

State the aggregate market value of voting stock held by
non-affiliates of the registrant. Indicate the number of 
shares outstanding of each of the registrant's classes of 
common stock, as of the latest practicable date.  Not 
Applicable.

PART I.

     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) Market Information. There is no established public trading market for the 
    Certificates.
(b) Holders. Each of the Certificates was issued in book entry form only.
(c) Dividends. Not applicable.

     Item 9.   Changes in and Disagreements with Accountants 
on Accounting and Financial Disclosure.  None.

PART III.

     Item 12. Security Ownership of Certain Beneficial Owners 
and Management	The Certificates are represented by one or more certificates 
registered in the name of Cede & Co., the nominee of The Depository Trust 
Company ("DTC").  An investor holding an interest in the Trust is not entitled
to receive a certificate representing such interest except in limited 
circumstances.  Accordingly, Cede & Co. is the sole holder of record of the 
Certificates, which it holds on behalf of brokers, dealers, banks and other 
participants in the DTC system.  Such participants may hold certificates for 
their own accounts or for the accounts of their customers.  The address of 
Cede & Co. is: 		
		Cede & Co.
		c/o The Depository Trust Company
		Seven Hanover Square
		New York, New York  10004     
                                
     Item 13.  Certain Relationships and Related Transactions.
               None.

PART IV.

     Item 14.  Exhibits, Financial Statement Schedules and Reports on Form 8-K.

(a) Exhibits.  

     99.1 First Omni Bank Credit Card Master Trust, Series  
          1996-A, Annual Servicer's Certificate for the 
          period ended December 31, 1998.

     99.2 First Omni Bank Credit Card Master Trust, Series  
          1996-A, Annual Independent Accountants' Servicing
          Report for the period ended December 31, 1998.

     (c)  Reports on Form 8-K.  

(i)  Current Reports on Form 8-K, dated January 15, 1998, February 17, 1998, 
     March 31, 1998, April 22, 1998, June 2, 1998, July 2, 1998, August 24,1998,
     September 24, 1998, October 29, 1998, November 20, 1998 and 
     December 17, 1998.
                             
                              SIGNATURES

     Pursuant to the requirements 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.

Date: March 31, 1999       FIRST OMNI BANK CREDIT CARD MASTER
                           TRUST, SERIES 1996-A

                           By:  BANK OF AMERICA NATIONAL      
                           ASSOCIATION, Servicer

                           By: /s/ Margaret A. Sprude
                           ------------------------------

                            Margaret A. Sprude, 
                            Senior Vice-President and Chief      
                            Financial Officer


                              EXHIBIT INDEX

EX-99

Exhibit 99.1
- --------------

ANNUAL SERVICER'S CERTIFICATE
BANK OF AMERICA, N.A.
FIRST OMNI BANK CREDIT CARD MASTER TRUST

The undersigned, a duly authorized representative of Bank of 
America, N.A., as Successor Servicer ("Bank of America"), 
pursuant to the Pooling and Servicing Agreement dated as of 
April 1, 1996 (as maybe amended and supplemented from time to 
time, the "Agreement"), among First Omni Bank, N.A., as 
Transferor and Servicer, and The Bank of New York, as 
Trustee, does hereby certify that:

     1.  Bank of America is, as of the date hereof, Servicer 
under the Agreement.  Capitalized terms used in this 
Certificate have their respective meanings as set forth in 
the Agreement.

     2.  The undersigned is a Servicing Officer who is duly
authorized pursuant to the Agreement to execute and deliver 
this Certificate to Trustee.

     3.  A review of the activities of Servicer during the 
fiscal year ended December 31, 1998, and of its performance 
under the Agreement was conducted under my supervision.

     4.  Based on such review, Servicer has, to the best of 
my knowledge, performed in all material respects its 
obligations under the Agreement throughout such year and no 
default in the performance of such obligations has occurred 
or is continuing except as set forth in paragraph 5.

     5.  The following is a description of each default in 
the performance of Servicer's obligations under the 
provisions of the Agreement known to me to have been made by 
Servicer during the fiscal year ended December 31, 1998, 
which sets forth in detail(i)the nature of each such default, 
(ii) the action taken by Servicer, if any, to remedy each 
such default and (iii) the current status of each such 
default:  NONE

IN WITNESS WHEREOF, the undersigned has duly executed this
Certificate this 30th day of March, 1999.

                     BANK OF AMERICA, N.A.,        
                     Servicer        
                                    
                                    
                     By /S/ Margaret A. Sprude
                        ------------------------  
                     Name:   Margaret A. Sprude
                     Title:  S.V.P., Chief Financial Officer

Exhibit 99.2
- ---------------

Independent Accountant's Report


Bank of America National Association
and
The Bank of New York

We have examined management's assertion, included in the 
accompanying Report of Management on Credit Card Trust 
Internal Controls and Pooling and Servicing Agreement 
Compliance (the "Report"), that Bank of America National 
Association ("BANA"), a wholly owned subsidiary of 
BankAmerica Corporation, maintained internal controls over 
the functions performed as servicer of the First Omni Bank 
Credit Card Master Trust (the "Trust") that are effective, as 
of December 31, 1998, in providing reasonable assurance that 
Trust assets are safeguarded against loss from unauthorized 
use or disposition and that transactions are executed in 
accordance with management's authorization in conformity with 
the Pooling and Servicing Agreement (the "Agreement") dated 
as of April 1, 1996 between First Omni Bank and The Bank of 
New York and the supplement to the Agreement, and are 
recorded properly to permit the preparation of the required 
financial reports.  Management is responsible for BANA's 
internal controls over compliance with those requirements.  
Our responsibility is to express an opinion on management's 
assertion about BANA's internal controls over compliance 
based on our examination.

Our examination was made in accordance with standards 
established by the American Institute of Certified Public 
Accountants, and accordingly, included obtaining an 
understanding of the internal controls over the functions 
performed by BANA as servicer of the Trust, testing and 
evaluating the design and operating effectiveness of the 
controls, and such other procedures as we considered 
necessary in the circumstances.  We believe that our 
examination provides a reasonable basis for our opinion.  Our 
examination does not provide a legal determination on BANA's 
internal controls over compliance with specified 
requirements.

Because of inherent limitations in internal controls, errors 
or irregularities may occur and not be detected.  Also, 
projections of any evaluation of the internal controls over 
the functions performed by BANA as servicer of the Trust to 
future periods are subject to the risk that the controls may 
become inadequate because of changes in conditions, or that 
the degree of compliance with the controls may deteriorate.

In our opinion, management's assertion that BANA maintained 
internal controls over the functions performed as servicer of 
the Trust that are effective, as of December 31, 1998, in 
providing reasonable assurance that Trust assets are 
safeguarded against loss from unauthorized use or disposition 
and that transactions are executed in accordance with 
management's authorization in conformity with the Agreement, 
between First Omni Bank and The Bank of New York, and are 
recorded properly to permit the preparation of the required 
financial reports, is fairly stated, in all material 
respects, based upon the following criteria specified in the 
Report:

? Controls provide reasonable assurance that funds 
collected are appropriately remitted to the Trustee in 
accordance with the Agreement and the supplement to the 
Agreement.
 
? Controls provide reasonable assurance that Trust assets 
are segregated from those assets retained by BANA in 
accordance with the Agreement and the supplement to the 
Agreement.
 
? Controls provide reasonable assurance that expenses 
incurred by the Trust are properly calculated and 
remitted in accordance with the Agreement and the 
supplement to the Agreement.
 
? Controls provide reasonable assurance that the addition 
of accounts to the Trust are authorized in accordance 
with the Agreement and the supplement to the Agreement.
 
? Controls provide reasonable assurance that the removal of 
accounts from the Trust are authorized in accordance with 
the Agreement and the supplement to the Agreement.
 
? Controls provide reasonable assurance that Trust assets 
amortizing out of the Trust are calculated in accordance 
with the Agreement and the supplement to the Agreement.
 
? Controls provide reasonable assurance that Monthly Trust 
reports generated in the form of "Exhibits" and provided 
to the Trustee are reviewed by management prior to 
disbursing.
 
? Controls provide reasonable assurance that Monthly Trust 
reports generated in the form of "Exhibits" contain all 
required information per section 5.2 of the supplement to 
the Agreement.

This report is intended solely for your information.  
However, this report is a matter of public record as a result 
of being included as an exhibit to the annual report on Form 
10-K prepared by BANA and filed with the Securities and 
Exchange Commission on behalf of First Omni Bank Credit Card 
Master Trust and its distribution is not limited.




Report of Management on Credit Card Trust Internal Controls
and Pooling and Servicing Agreement Compliance

Internal Controls

Bank of America National Association ("BANA"), a wholly owned 
subsidiary of BankAmerica Corporation, is responsible for 
establishing and maintaining effective internal controls over 
the functions performed as servicer of the First Omni Bank 
Credit Card Master Trust Series 1996-A (the "Trust").  These 
controls are designed to provide reasonable assurance to 
BANA's management that Trust assets are safeguarded against 
loss from unauthorized use or disposition and that 
transactions are executed in accordance with management's 
authorization in conformity with the Pooling and Servicing 
Agreement dated April 1, 1996 (the "Agreement") and the 
supplements to the Agreement relating to Series 1996-A, as 
applicable, between BANA and The Bank of New York and are 
recorded properly to permit the preparation of the required 
financial reports.

There are inherent limitations in any internal controls, 
including the possibility of human error and circumvention or 
overriding of controls.  Accordingly, even effective internal 
controls can provide only reasonable assurance with respect 
of the achievement of any objectives of internal control.  
Further, because of changes in conditions, the effectiveness 
of the internal controls may vary over time.

BANA has determined that the objectives of its internal 
controls with respect to servicing and reporting of credit 
card receivables sold to the Trust are to provide reasonable, 
but not absolute assurance that:

? Funds collected are appropriately remitted to the 
Trustee in accordance with the Agreement and the 
supplements to the Agreement.
 
? Trust assets are segregated from those retained by 
BANA in accordance with the Agreement and the 
supplements to the Agreement.
 
? Expenses incurred by the Trust are properly 
calculated and remitted in accordance with the 
Agreement and the supplements to the Agreement.
 
? The addition of accounts to the Trust are authorized 
in accordance with the Agreement and the supplements 
to the Agreement.
 
? The removal of accounts from the Trust are authorized 
in accordance with the Agreement and the supplements 
to the Agreement.
 
? Trust assets amortizing out of the Trust are 
calculated in accordance with the Agreement and the 
supplements to the Agreement.
 
? Monthly Trust reports generated in the form of 
"Exhibits" and provided to the Trustee are reviewed 
by management prior to disbursing.
 
? Monthly Trust reports generated in the form of 
"Exhibits" contain all information required by the 
Agreement and the supplements to the Agreement.

BANA has assessed its internal controls over the functions 
performed as servicer of the Trust in relation to these 
criteria.  Based upon this assessment, BANA maintained that, 
as of December 31, 1998, its internal controls over the 
functions performed as servicer of the Trusts are effective 
in providing reasonable assurance that Trust assets are 
safeguarded against loss from unauthorized use or disposition 
and that transactions are executed in accordance with 
management's authorization in conformity with the Agreement 
between BANA The Bank of New York and the supplements to the 
Agreement and are recorded properly to permit the preparation 
of the required Monthly Trust reports in the form of 
"Exhibits".

Pooling and Servicing Agreement Compliance

BANA is responsible for complying with the Agreement and the 
provisions of each supplement to the Agreement.  BANA 
assessed its compliance with the relevant terms and 
conditions of Sections 3.1(f), 3.2, 3.4, 3.5, 3.9, 4.2(a), 
4.3 and 9.1 of the Agreement and Sections 3(b), 4.7(a), 4.11, 
4.12 and 5.2(a) of the supplements to the Agreement relating 
to Series 1996-A, as of December 31, 1998 and for the year 
then ended.  Based upon this assessment, BANA was in 
compliance with the relevant terms and conditions identified 
in the Sections above for the Agreement and the supplements 
to the Agreement.  In addition, BANA did not identify any 
instances of noncompliance in performing the assessment.


March 12, 1999

/s/  Margaret A. Sprude
Margaret A. Sprude
SVP & Chief Financial Officer


/s/  Michael Kopp
Michael Kopp
Controller