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

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

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

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

~~CURRENT~~PURSUANT ~~REPORT~~TO SECTION 13 OR 15(d)

~~PURSUANT~~OF TOTHE ~~SECTION~~SECURITIES ~~13 OR~~EXCHANGE 15ACT ~~(d)~~OF 1934

OFDate ~~THE~~of ~~SECURITIES EXCHANGE~~Report ~~ACT~~(Date OFof ~~1934~~earliest event Reported): May 10, 2005

~~Date~~The Amended and Restated Pooling and Servicing Agreement, dated as of ~~Report~~June 15, ~~(date~~2001, including the Series 2002-1 Supplement, dated as of ~~earliest~~December 17, ~~event~~2002, ~~reported)~~among ~~March~~Mellon Premium Finance Loan Owner Trust, as transferor, AFCO Credit Corporation, as servicer, AFCO Acceptance Corporation, as servicer, Premium Financing Specialists, 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 9A Floating Rate Asset-Backed Certificates and Class B Floating Rate Asset-Backed Certificates, ~~2005~~Series 2002-1.

MELLON BANK, N.A.

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

United States (~~Exact~~State ~~name~~or Other Jurisdiction of ~~Registrant~~Incorporation) as333-99477 ~~specified~~and in333-101671 ~~its~~(Commission ~~charter~~File Numbers) 25-0659306 (I.R.S. Employer Identification No.)

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)

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

~~N/A (Former~~MELLON ~~name~~BANK orPREMIUM ~~former~~FINANCE ~~address,~~LOAN ifMASTER ~~changed since last report)~~TRUST

~~MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST~~ (Exact name of ~~Registrant~~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)


New York (State or Other Jurisdiction of Incorporation)		333-99477-02 and 333-101671-02 (Commission File Numbers)		51-0015912 (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 PREMIUM FINANCE LOAN OWNER TRUST

(Exact name of ~~Registrant~~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)


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

c/o Chase Manhattan Bank, USA, National Association 1201 N.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)

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

~~MELLON~~Check ~~BANK~~the ~~PFL~~appropriate ~~MASTER~~box ~~NOTE~~below ~~TRUST~~if the Form 8-K filing is intended to simultaneously satisfy the ~~(Exact~~filing ~~name~~obligation of ~~Registrant~~the asregistrant ~~specified~~under inany ~~its~~of ~~charter)~~the following provisions:

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


o		Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o		Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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

~~One Mellon Center Pittsburgh, Pennsylvania 15258 (412)~~Item ~~234-5000 (Address,~~8.01. ~~including~~Other ~~zip code, and telephone number, including area code, of registrant’s principal offices)~~Events.

~~N/A (Former~~ The ~~name~~Registrant orhereby ~~former~~incorporates ~~address,~~by ifreference ~~changed~~the ~~since~~information ~~last~~contained ~~report)~~in Exhibit 20 hereto in response to this Item 8.01.

~~Check the appropriate box below if the Form~~Item ~~8-K~~9.01. ~~filing~~Financial isStatements ~~intended~~and ~~to simultaneously satisfy the~~Exhibits. ~~filing obligation of the registrant under any of the following provisions:~~

~~o Written communications pursuant to Rule 425 under the Securities Act~~ (~~17 CFR 230.425~~c) Exhibits

o20. Monthly ~~Soliciting~~Certificateholders ~~material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)~~Statement

~~o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR~~SIGNATURES ~~240.14d-2(b))~~

o Pursuant ~~Pre-commencement communications pursuant~~ to ~~Rule 13e-4(c)~~the ~~under~~requirements of the Securities Exchange Act ~~(17~~of ~~CFR~~1934, the registrant has duly ~~240~~caused this report to be signed on its behalf by the undersigned thereunto duly authorized.~~13e-4(c)~~

~~TABLE~~MELLON OFBANK, ~~CONTENTS~~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 BANK 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

~~Item~~Dated: ~~8.01.~~May 13, ~~Other Events Item 9.01. Financial Statements and Exhibits SIGNATURES INDEX OF EXHIBITS EX-20~~2005

~~Item~~INDEX ~~8.01.~~OF ~~Other Events.~~EXHIBITS

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


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

Item 9.01. Financial Statements and 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: 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 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

Dated: March 11, 2005

INDEX OF EXHIBITS

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

Table of Contents

Filing Compare · BNY MELLON N.A.