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) August 10, 2004


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


United States	333-113957-02 and 333-116609-02	25-0659306

(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer ID Number)


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 MASTER TRUST
(Exact name of registrant as specified in its charter)


New York	333-113957-01 and 333-116609-01	51-0015912

(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer ID Number)


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


Delaware	333-113957-03 and 333-116609-03	51-6522553

(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(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)



MELLON BANK PFL MASTER NOTE TRUST
(Exact name of registrant as specified in its charter)


Delaware	333-113957 and 333-116609	51-6522553

(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer ID Number)


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)

Item 5. Other Events.

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

Item 7. Financial Statements and Exhibits.

(c)

Exhibits

20.

Monthly Noteholders Statement

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., as Registrant

	By:	/s/ MICHAEL A. BRYSON
		Name: Title:	Michael A. Bryson 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: Title:	Michael A. Bryson 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: Title:	Michael A. Bryson Executive Vice President & Chief Financial Officer
	MELLON BANK PFL MASTER NOTE TRUST, as Registrant By: MELLON BANK, N.A., as Administrator

	By:	/s/ MICHAEL A. BRYSON
		Name: Title:	Michael A. Bryson Executive Vice President & Chief Financial Officer
Dated: August 12, 2004

INDEX OF EXHIBITS


Exhibit No.	Document Description	Method of Filing

20	Monthly Noteholders Statement	Filed herewith

MELLON BANK PFL MASTER NOTE TRUST 8-K