SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

~~Form~~ FORM 8-K

CURRENT REPORT

~~Pursuant~~PURSUANT toTO ~~Section~~ SECTION 13 orOR 15 (d) ~~of the~~ ~~Securities Exchange Act of 1934~~

~~Date~~OF ofTHE ~~Report~~SECURITIES ~~(Date~~EXCHANGE ofACT ~~earliest~~OF ~~event Reported): October 8, 2003~~1934

~~The~~Date ~~Amended and Restated Pooling and Servicing Agreement, dated as~~ of ~~June 15, 2001,~~Report ~~including~~(date ~~the Series 2002-1 Supplement, dated as~~ of ~~December 17,~~earliest ~~2002, among~~event ~~Mellon~~reported) Premium Finance Loan Owner Trust, as transferor, AFCO Credit Corporation, as servicer, AFCO Acceptance Corporation, as servicer, Premium Financing Specialists of California, Inc., as back-up servicer, Premium Financing Specialists of California, Inc., as back-up servicer, and Wells Fargo Bank Minnesota, National Association, as trustee, in connection with the issuance of Mellon Bank Premium Finance Loan Master Trust , ClassNovember ~~A Floating Rate Asset-Backed Certificates and Class B Floating Rate Asset-Backed Certificates~~10, ~~Series 2002-1.~~2003

MELLON BANK, N.A. ~~(Originator of Mellon Bank Premium Finance Loan Master Trust) (Exact name of registrant as specified in its charter)~~

United States		333-99477 and 333-101671		25-0659306
(State or Other Jurisdiction of Incorporation)		(Commission File Numbers)		(I.R.S. Employer Identification No.)

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


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

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

New York		333-99477-02 and 333-101671-02		51-0015912
(State or Other Jurisdiction of Incorporation)		(Commission File Numbers)		(I.R.S. Employer Identification No.)

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

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

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

Delaware		333-99477-01 and 333-101671-01		51-6522553
	New York		333-53250-01		51-0015912
(State or Other Jurisdiction of Incorporation)		(Commission File Numbers)		(I.R.S. Employer Identification No.)
	(State or other jurisdiction of		(Commission		(IRS Employer ID
	incorporation)		File Number)		Number)

~~c/o~~One ~~Chase Manhattan Bank, USA, National Association 1201 North Market Street Wilmington, DE 19801 (302) 428-3372 Carl Krasik, Esq.~~ Mellon ~~Financial Corporation Suite 1910 500 Grant Street~~ Center Pittsburgh, Pennsylvania 15258~~-0001~~ (412) 234-~~5222~~ 5000 (Address, including zip code, and telephone number, including area code, of registrant’s principal offices) ~~N/A (Former name or former address, if changed since last report)~~

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

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


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

c/o Chase Manhattan Bank, USA, National Association
1201 N. Market Street
Wilmington, DE 19801
(302) 428-3372

Carl Krasik, Esq.
Mellon Financial Corporation
Suite 1910
500 Grant Street
Pittsburgh, Pennsylvania 15258-0001
(412) 234-5222
(Address, including zip code, and telephone number, including area code, of registrant’s principal offices)

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

Item 5. Other Events.

The Registrant hereby incorporates by reference the information contained in Exhibit 20 hereto in response to this Item 5.

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.

		MELLON BANK, N.A.
		By: /s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer
		MELLON PREMIUM FINANCE LOAN OWNER TRUST By: Mellon Bank N.A., as Administrator
		By: /s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer
		MELLON BAN K PREMIUM FINANCE LOAN MASTER TRUST By: Mellon Bank N.A., as Administrator
		By: /s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer
Dated: October 14, 2003


				MELLON BANK, N.A., as registrant

		By:		/s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer

		MELLON PREMIUM FINANCE LOAN OWNER TRUST, as registrant

		By:		Mellon Bank, N.A., as administrator

		By:		/s/ 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:		/s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer

Dated: November 10, 2003

INDEX OF EXHIBITS


Exhibit No.	Document Description	Method of Filing

20	Monthly Certificateholders Statement	Filed herewith

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