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):  March 16, 1998
 
 
                Bank of America National Association

                          on behalf of the
              FIRST OMNI BANK CREDIT CARD MASTER TRUST
        (Exact name of registrant as specified in its charter)

	
 

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


        333-4152		   			   86-0645265
(Commission File Number)	   (I.R.S. Employer Identification No.)


      1825 East Buckeye Road 
      Phoenix, AZ				 		85034 
(Address of Principal Executive Offices)	    (Zip Code) 
 
 
   Registrant's telephone number, including area code:(602) 597-3738


                           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 March 16,
            1998 Distribution Date and the related Monthly Period.

       99.1 Transfer and Assumption Agreement, dated as of February 25,
            1998,among First Omni Bank, N.A., Bank of America National
            Association and the Bank of New York, as Trustee 
           (incorporated herein by reference to Exhibit 4.1 to Current 
            Report on Form 8-K of First Omni Bank, N.A. (File No. 0-20755), 
            filed on March 6, 1998)





<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: March 20, 1998       FIRST OMNI CREDIT CARD MASTER TRUST          


                           By: Bank of America National Association, Servicer 
                               
                               By:  /s/ MARGARET A. SPRUDE
                                    ______________________              
                                    Margaret A. Sprude,                       
                                    Senior Vice-President and                 
                                    Chief Financial Officer			










<PAGE>
Page 4


                             EXHIBIT INDEX


Exhibit           Description                                   Page

20                Monthly Series 1996-A Holders'                 5 
                  Statement for the March 16, 1998
                  Distribution Date and the related
                  Monthly Period

99.1              Transfer and Assumption Agreement,            N/A
                  dated as of	February 25, 1998, among 	
                  First Omni Bank, N.A., Bank of America 
                  National Association and the Bank of 
                  New York, as Trustee (incorporated herein
                  by reference to Exhibit 4.1 to Current 
                  Report on Form 8-K of First Omni Bank, N.A. 
                  (File No. 0-20755), filed on March 6, 1998)
[{"type": "8-K", "sequence": "1", "secsgml_size_bytes": 3340}]
{"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": "98570580"}, "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):  March 16, 1998
 
 
                Bank of America National Association

                          on behalf of the
              FIRST OMNI BANK CREDIT CARD MASTER TRUST
        (Exact name of registrant as specified in its charter)

	
 

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

        333-4152		   			   86-0645265
(Commission File Number)	   (I.R.S. Employer Identification No.)

      1825 East Buckeye Road 
      Phoenix, AZ				 		85034 
(Address of Principal Executive Offices)	    (Zip Code) 
 
 
   Registrant's telephone number, including area code:(602) 597-3738

                           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 March 16,
            1998 Distribution Date and the related Monthly Period.

       99.1 Transfer and Assumption Agreement, dated as of February 25,
            1998,among First Omni Bank, N.A., Bank of America National
            Association and the Bank of New York, as Trustee 
           (incorporated herein by reference to Exhibit 4.1 to Current 
            Report on Form 8-K of First Omni Bank, N.A. (File No. 0-20755), 
            filed on March 6, 1998)
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: March 20, 1998       FIRST OMNI CREDIT CARD MASTER TRUST          

                           By: Bank of America National Association, Servicer 
                               
                               By:  /s/ MARGARET A. SPRUDE
                                    ______________________              
                                    Margaret A. Sprude,                       
                                    Senior Vice-President and                 
                                    Chief Financial Officer
Page 4

                             EXHIBIT INDEX

Exhibit           Description                                   Page

20                Monthly Series 1996-A Holders'                 5 
                  Statement for the March 16, 1998
                  Distribution Date and the related
                  Monthly Period

99.1              Transfer and Assumption Agreement,            N/A
                  dated as of	February 25, 1998, among 	
                  First Omni Bank, N.A., Bank of America 
                  National Association and the Bank of 
                  New York, as Trustee (incorporated herein
                  by reference to Exhibit 4.1 to Current 
                  Report on Form 8-K of First Omni Bank, N.A. 
                  (File No. 0-20755), filed on March 6, 1998)