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): November 10, 2003~~1934

~~The~~Date ~~Amended~~of ~~and~~Report ~~Restated~~(date ~~Pooling and Servicing Agreement, dated as~~ of ~~June 15, 2001,~~earliest ~~including~~event ~~the~~reported) ~~Series~~January ~~2002-1 Supplement~~9, ~~dated as of December 17, 2002,~~2004 ~~among~~MELLON ~~Mellon Premium Finance Loan Owner Trust~~BANK, ~~as transferor, AFCO Credit Corporation, as servicer, AFCO Acceptance Corporation, as servicer, Premium Financing Specialists of California, Inc~~N., 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 , Class A ~~Floating Rate Asset-Backed Certificates and Class B Floating Rate Asset-Backed Certificates, Series 2002-1~~.

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

(Originator of Mellon Bank Premium Finance Loan Master Trust) (Exact name of registrant as specified in its charter)


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

United States		333-99477 and 333-101671		25-0659306
(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)

~~One~~N/A (Former ~~Mellon~~name ~~Center Pittsburgh~~or former address, ~~Pennsylvania~~if ~~15258 (412~~changed since last report) ~~234-5000~~

~~(Address,~~MELLON ~~including~~BANK ~~zip~~PREMIUM ~~code,~~FINANCE ~~and~~LOAN ~~telephone~~MASTER ~~number,~~TRUST (Exact ~~including~~name ~~area code,~~ of ~~registrant’s~~Registrant ~~principal~~as ~~offices~~specified in its charter) ~~N/A~~

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


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

~~MELLON~~One ~~BANK~~Mellon ~~PREMIUM~~Center Pittsburgh, ~~FINANCE~~Pennsylvania ~~LOAN~~15258 (412) 234-5000 (Address, ~~MASTER~~including ~~TRUST~~zip code, and telephone number, including area code, of registrant’s principal offices)

N/A (~~Exact~~Former name ofor ~~registrant~~former asaddress, ~~specified~~if inchanged ~~its~~since ~~charter~~last report)

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.)

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

One Mellon Center Pittsburgh, Pennsylvania 15258 (412) 234-5000


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

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	333-99477-01 and	51-6522553
	333-101671-01
(State or Other Jurisdiction of Incorporation)	(Commission File Numbers)	(I.R.S. Employer Identification No.)

c/o 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 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
Dated: November 10, 2003		By: /s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer


		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: January 9, 2004

INDEX OF EXHIBITS

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

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