~~Table~~SECURITIES ofAND ~~Contents~~EXCHANGE COMMISSION

~~SECURITIES~~Washington, ~~AND~~D.C. ~~EXCHANGE COMMISSION~~20549

~~Washington,~~FORM ~~D.C. 20549~~8-K

~~FORM~~CURRENT ~~8-K~~REPORT

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

~~PURSUANT~~Date TOof ~~SECTION~~Report 13(date ORof 15earliest event (dreported) June 10, 2003

OFMELLON ~~THE~~BANK, ~~SECURITIES~~N.A. (Originator ~~EXCHANGE~~of ~~ACT~~Mellon OFBank ~~1934~~Premium Finance Loan Master Trust) (Exact name of Registrant as specified in its charter)

Date of Report (date of earliest event reported) November 8, 2002


United States	333-53250	25-0659306
(State or other jurisdiction of	(Commission	(IRS Employer ID
incorporation)	File Number)	Number)

~~MELLON~~One ~~BANK~~Mellon Center Pittsburgh, ~~N.A.~~Pennsylvania 15258 (412) 234-5000 (Address, including zip code, and telephone number, including area code, of registrant’s principal offices)

~~(Originator of Mellon Bank Premium~~N/A ~~Finance Loan Master Trust)~~(~~Exact~~Former name ofor ~~Registrant~~former asaddress, ~~specified~~if inchanged ~~its~~since ~~charter~~last report)

United States		333-53250		25-0659306
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer ID Number)

MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST
(Exact name of Registrant as specified in its charter)

One Mellon Center Pittsburgh, Pennsylvania 15258 (412) 234-5000 (Address, including zip code, and telephone number, including area code, of registrant’s principal offices)


New York	333-53250-01	51-0015912
(State or other jurisdiction of	(Commission	(IRS Employer ID
incorporation)	File Number)	Number)

~~N/A~~One Mellon Center Pittsburgh, Pennsylvania 15258 (~~Former~~412) 234-5000 (Address, ~~name~~including orzip ~~former~~code, ~~address~~and telephone number, ifincluding ~~changed~~area ~~since~~code, ~~last~~of ~~report~~registrant’s principal offices)

~~MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST~~N/A (~~Exact~~Former name ofor ~~Registrant~~former asaddress, ~~specified~~if inchanged ~~its~~since ~~charter~~last report)

New York		333-53250-01		51-0015912
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS EmployerID Number)

MELLON PREMIUM FINANCE LOAN OWNER TRUST
(Exact name of Registrant as specified in its charter)


Delaware	333-53250-02	51-6522553
(State or other jurisdiction	(Commission	(IRS Employer ID
of incorporation)	File Number)	Number)

~~One~~c/o ~~Mellon~~Chase ~~Center Pittsburgh,~~Manhattan ~~Pennsylvania 15258 (412) 234-5000 (Address~~Bank, ~~including zip code~~USA, ~~and~~National ~~telephone~~Association 1201 ~~number,~~N. ~~including~~Market ~~area code~~Street Wilmington, ~~of registrant’s~~DE ~~principal offices~~19801 (302) 428-3372

~~N/A~~Carl Krasik, Esq. Mellon Financial Corporation Suite 1910 500 Grant Street Pittsburgh, Pennsylvania 15258-0001 (~~Former~~412) 234-5222 (Address, ~~name~~including orzip ~~former~~code, ~~address~~and telephone number, ifincluding ~~changed~~area ~~since~~code, ~~last~~of ~~report~~registrant’s principal offices)

~~MELLON PREMIUM FINANCE LOAN OWNER TRUST~~N/A (~~Exact~~Former name ofor ~~Registrant~~former asaddress, ~~specified~~if inchanged ~~its~~since ~~charter~~last report)

Delaware		333-53250-02		51-6522553
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS EmployerID Number)

Item 5. Other Events.

~~c/o~~ The ~~Chase~~Registrant ~~Manhattan~~hereby ~~Bank,~~incorporates ~~USA,~~by ~~National~~reference ~~Association 1201~~the N.information ~~Market Street~~contained ~~Wilmington,~~in ~~DE 19801 (302)~~Exhibit ~~428-3372 Carl~~20 ~~Krasik,~~hereto ~~Esq. Mellon~~in ~~Financial~~response ~~Corporation Suite 1910 500~~to ~~Grant~~this ~~Street Pittsburgh, Pennsylvania 15258-0001 (412)~~Item ~~234-5222~~5. ~~(Address, including zip code, and telephone number, including area~~ ~~code, ofregistrant’s principal offices)~~

~~N/A~~SIGNATURES ~~(Former name or former address, if changed since last report)~~

~~TABLE~~ Pursuant OFto ~~CONTENTS~~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.

~~Monthly~~MELLON ~~Certificateholders~~BANK, N.A., as registrant By: /s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer

~~Table~~MELLON ofPREMIUM ~~Contents~~FINANCE LOAN OWNER TRUST, as registrant

~~Item 5.~~By: ~~Other~~Mellon ~~Events~~Bank, N. A., as administrator

~~The~~By: ~~Registrant~~/s/ ~~hereby~~MICHAEL ~~incorporates~~A. byBRYSON ~~reference~~Name: ~~the~~Michael ~~information~~A. ~~contained in~~Bryson ~~Exhibit 20~~Title: ~~hereto~~Executive inVice ~~response~~President to& ~~this~~Chief ~~Item 5.~~ Financial Officer

~~Table~~MELLON ofBANK ~~Contents~~PREMIUM FINANCE LOAN MASTER TRUST, as registrant

~~SIGNATURES~~ By: MELLON BANK, N.A., as administrator

~~Pursuant~~By: to/s/ ~~the~~MICHAEL ~~requirements~~A. ofBRYSON ~~the~~Name: ~~Securities~~Michael ~~Exchange~~A. ~~Act~~Bryson ofTitle: ~~1934,~~Executive ~~the registrant~~Vice ~~has~~President ~~duly~~& ~~caused~~Chief ~~this~~Financial ~~report to be signed on its behalf by the undersigned thereunto duly authorized.~~ Officer

~~MELLON BANK, N.A., as registrant By~~Dated: ~~MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer MELLON PREMIUM FINANCE LOAN OWNER TRUST~~ June 12, as registrant By: Mellon Bank, N.A., as administrator By: MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST, as registrant By: MELLON BANK, N.A., as administrator By: MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer2003

~~Dated:~~INDEX ~~November 12,~~OF ~~2002~~EXHIBITS



Exhibit No.	Document Description	Method of Filing

20	Monthly Certificateholders Statement	Filed herewith

INDEX OF EXHIBITS

Exhibit No		Document Description		Method of Filing
20		Monthly Certificateholders Statement		Filed herewith

Table of Contents

Table of Contents

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