SECURITIES AND EXCHANGE COMMISSION 
                        Washington, D.C.  20549 
  
                               FORM 8-K

                            CURRENT REPORT

               PURSUANT TO SECTION 13 OR 15(d) OF THE 
                 SECURITIES EXCHANGE ACT OF 1934


    Date of Report (Date of earliest event reported):  May 15, 1997
 
 
                        FIRST OMNI BANK, N.A.
        (Exact name of registrant as specified in its charter)

                          on behalf of the
              FIRST OMNI BANK CREDIT CARD MASTER TRUST
	
 

                           United States
   (State or other jurisdiction of incorporation or organization)


        0-20755		   			   51-0263671
(Commission File Number)	   (I.R.S. Employer Identification No.)


       499 Mitchell Road 
      Millsboro, Delaware				 19966 
(Address of Principal Executive Offices)	    (Zip Code) 
 
 
   Registrant's telephone number, including area code:(302) 934-2000


                           Not Applicable
    (Former name or former address, if changed since last report)
                 ______________________________


<PAGE>
Page 2

Item 7. Exhibits

(c)     Exhibits

        20  Monthly Series 1996-A Holders' Statement for the May 15,
            1997 Distribution Date and the related Monthly Period.





<PAGE>
Page 3

                                    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: May 21, 1997                FIRST OMNI BANK, N.A.


                                    By:  /s/ ROBERT F. RAY
                                    ______________________              
                                    Robert F. Ray, Vice 			  	 
                                    President 					










<PAGE>
Page 4


                             EXHIBIT INDEX


Exhibit           Description                                   Page

20                Monthly Series 1996-A Holders'                 5 
                  Statement for the May 15, 1997
                  Distribution Date and the related
                  Monthly Period
[{"type": "8-K", "sequence": "1", "secsgml_size_bytes": 2220}]
{"company-data": {"conformed-name": "FIRST OMNI BANK NA", "cik": "0001006183", "assigned-sic": "6189", "irs-number": "510263671", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-20755", "film-number": "97612553"}, "business-address": {"street1": "499 MITCHELL RD", "street2": "PO BOX 900", "city": "MILLSBORO", "state": "DE", "zip": "19966", "phone": "3029342000"}, "mail-address": {"street1": "101 S PACA ST MS109-600", "city": "BALTIMORE", "state": "MD", "zip": "21201"}}
SECURITIES AND EXCHANGE COMMISSION 
                        Washington, D.C.  20549 
  
                               FORM 8-K

                            CURRENT REPORT

               PURSUANT TO SECTION 13 OR 15(d) OF THE 
                 SECURITIES EXCHANGE ACT OF 1934

    Date of Report (Date of earliest event reported):  May 15, 1997
 
 
                        FIRST OMNI BANK, N.A.
        (Exact name of registrant as specified in its charter)

                          on behalf of the
              FIRST OMNI BANK CREDIT CARD MASTER TRUST
	
 

                           United States
   (State or other jurisdiction of incorporation or organization)

        0-20755		   			   51-0263671
(Commission File Number)	   (I.R.S. Employer Identification No.)

       499 Mitchell Road 
      Millsboro, Delaware				 19966 
(Address of Principal Executive Offices)	    (Zip Code) 
 
 
   Registrant's telephone number, including area code:(302) 934-2000

                           Not Applicable
    (Former name or former address, if changed since last report)
                 ______________________________
Page 2

Item 7. Exhibits

(c)     Exhibits

        20  Monthly Series 1996-A Holders' Statement for the May 15,
            1997 Distribution Date and the related Monthly Period.
Page 3

                                    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: May 21, 1997                FIRST OMNI BANK, N.A.

                                    By:  /s/ ROBERT F. RAY
                                    ______________________              
                                    Robert F. Ray, Vice 			  	 
                                    President
Page 4

                             EXHIBIT INDEX

Exhibit           Description                                   Page

20                Monthly Series 1996-A Holders'                 5 
                  Statement for the May 15, 1997
                  Distribution Date and the related
                  Monthly Period