SECURITIESTable ANDof EXCHANGE COMMISSION Contents

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

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

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

~~Pursuant~~CURRENT ~~to Section 13 or 15(d) of the~~REPORT ~~Securities Exchange Act of 1934~~

~~Date~~PURSUANT ofTO ~~Report~~SECTION ~~(Date~~13 OR of15 ~~earliest event Reported~~(d)~~: December 9, 2004~~

~~The~~OF ~~Amended~~THE ~~and Restated Pooling and Servicing Agreement, dated as of June 15, 2001, including the~~SECURITIES ~~Series 2002-1~~EXCHANGE ~~Supplement,~~ACT ~~dated~~OF ~~as of December 17, 2002, among Mellon Premium Finance Loan~~1934 ~~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 , Class A Floating Rate Asset-Backed Certificates and Class B Floating Rate Asset-Backed Certificates, Series 2002-1.

~~MELLON~~Date ~~BANK~~of Report (date of earliest event reported) March 9, ~~N.A.~~2005

~~(Originator~~MELLON ofBANK, ~~Mellon Bank Premium Finance Loan Master Trust)~~N.A.

(~~Exact~~Originator ~~name~~ of ~~registrant~~Mellon asBank ~~specified~~Premium inFinance ~~its~~Loan ~~charter~~Master Trust)

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

(Exact name of Registrant as specified in its charter)

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


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)

ofN/A (Former ~~registrant’s~~name ~~principal~~or ~~offices~~former address, if changed since last report)

~~N/A~~MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST (~~Former~~Exact name orof ~~former~~Registrant ~~address,~~as ifspecified ~~changed~~in ~~since~~its ~~last report~~charter)

MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST


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 (~~Exact~~412) 234-5000 (Address, ~~name~~including ofzip ~~registrant~~code, asand ~~specified~~telephone innumber, ~~its~~including ~~charter~~area code, of registrant’s principal offices)

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.)

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

~~One~~MELLON ~~Mellon~~PREMIUM ~~Center Pittsburgh,~~FINANCE ~~Pennsylvania~~LOAN ~~15258~~OWNER TRUST ~~(412) 234-5000~~

(~~Address,~~Exact ~~including~~name ~~zip~~of ~~code,~~Registrant ~~and~~as ~~telephone~~specified ~~number,~~in ~~including~~its ~~area code,~~charter)

of registrant’s principal offices)


Delaware	333-113957-03 and
	333-116609-03	51-6522553
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer ID Number)

Nc/~~A (Former~~o ~~name~~Chase orManhattan ~~former~~Bank, ~~address~~USA, ifNational ~~changed~~Association 1201 ~~since~~N. ~~last~~Market ~~report~~Street Wilmington, DE 19801 (302) 428-3372

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

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

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

N/A

~~c/o~~MELLON ~~Chase~~BANK ~~Manhattan~~PFL ~~Bank,~~MASTER ~~USA,~~NOTE ~~National Association~~TRUST ~~1201~~(Exact ~~North~~name ~~Market~~of ~~Street Wilmington,~~Registrant DEas ~~19801 (302~~specified in its charter) ~~428-3372~~

Carl Krasik, Esq. Mellon Financial Corporation Suite 1910 500 Grant Street Pittsburgh, Pennsylvania 15258-0001 (412) 234-5222


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)

ofN/A (Former ~~registrant’s~~name ~~principal~~or ~~offices~~former address, if changed since last report)

~~N/A (Former~~Check ~~name~~the orappropriate ~~former~~box ~~address,~~below if ~~changed~~the ~~since~~Form 8-K ~~last~~filing ~~report)~~is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

~~Check~~o ~~the~~Written ~~appropriate~~communications ~~box~~pursuant ~~below if the Form 8-K filing is intended~~ to ~~simultaneously~~Rule 425 ~~satisfy~~under the ~~filing~~ ~~obligation~~Securities ofAct ~~the~~(17 ~~registrant~~CFR ~~under any of the following provisions:~~230.425)

o ~~Written~~Soliciting ~~communications~~material pursuant to Rule ~~425~~14a-12 under the ~~Securities~~Exchange Act (17 CFR ~~230~~240.~~425~~14a-12)

o ~~Soliciting~~Pre-commencement ~~material~~communications pursuant to Rule ~~14a~~14d-122(b) under the Exchange Act (17 CFR 240.~~14a~~14d-122(b))

o Pre-commencement communications pursuant to Rule ~~14d~~13e-24(bc) under the Exchange Act (17 CFR 240.~~14d~~13e-24(bc))

oTABLE ~~Pre-commencement~~OF ~~communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))~~ CONTENTS

Item 8.01. Other Events Item 9. 01. Financial Statements and Exhibits SIGNATURES INDEX OF EXHIBITS EX-20

~~The Registrant hereby incorporates by reference the information contained in Exhibit 20 hereto in response to this~~ Item 8.01. Other Events.

~~Item~~ The Registrant hereby incorporates by reference the information contained in Exhibit ~~9.01.~~20 ~~Financial~~hereto in ~~Statements~~response ~~and~~to ~~Exhibits~~this Item 8.01.

~~(c)~~ Item 9.01. Financial Statements and Exhibits .

~~20. Monthly~~(c) ~~Certificateholders Statement~~ Exhibits

~~SIGNATURES~~ 20. Monthly Noteholders Statement

~~Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly~~SIGNATURES ~~caused this report to be signed on its behalf by the undersigned thereunto duly authorized.~~

~~MELLON~~ Pursuant ~~BANK,~~to ~~N.A.~~the ~~By:~~requirements ~~/s/~~of ~~MICHAEL~~the A.Securities ~~BRYSON~~Exchange ~~Name:~~Act ~~Michael~~of ~~A. Bryson Title: Executive Vice President & Chief Financial Officer MELLON PREMIUM FINANCE LOAN OWNER TRUST By: Mellon Bank N.A.~~1934, asthe ~~Administrator~~registrant ~~By:~~has ~~/s/~~duly caused ~~MICHAEL~~this A.report ~~BRYSON~~to ~~Name:~~be ~~Michael~~signed A.on ~~Bryson~~its ~~Title:~~behalf ~~Executive~~by ~~Vice~~the ~~President~~undersigned &thereunto ~~Chief~~duly ~~Financial Officer MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST By: Mellon Bank N~~authorized.~~A., as Administrator By: /s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer~~

~~Dated:~~MELLON ~~December 13~~BANK, ~~2004~~ N.A., as Registrant By: /s/ MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer

~~INDEX~~MELLON OFPREMIUM ~~EXHIBITS~~ 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 MELLON BANK PFL MASTER NOTE 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

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

Dated: March 11, 2005

INDEX OF EXHIBITS



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

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