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

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

~~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) ~~October~~April 9, ~~2002~~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	333-53250	25-0659306
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer ID Number)
(State or other jurisdiction of	(Commission	(IRS Employer ID
incorporation)	File Number)	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~~Former name ofor ~~Registrant~~former asaddress, ~~specified~~if inchanged ~~its~~since ~~charter~~last report)

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

_______________________

~~TABLE~~MELLON OFBANK ~~CONTENTS~~PREMIUM FINANCE LOAN MASTER TRUST (Exact name of Registrant as specified in its charter)

Monthly Certificateholders Statement


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

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

~~One Mellon Center~~N/A ~~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		333-53250-02		51-6522553
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS EmployerID Number)

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

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, ofregistrant’s principal offices)


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

~~Table~~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 ~~Contents~~registrant’s principal offices)

~~Item 5.~~N/A (Former ~~Other~~name ~~Events.~~or former address, if changed since last report)

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

~~Table~~ The ofRegistrant ~~Contents~~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., as registrant By: 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: 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: MICHAEL A. BRYSON Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer

~~Dated~~/s/ MICHAEL A. BRYSON Name: ~~October 9,~~Michael ~~2002~~ A. Bryson Title: Executive Vice President & Chief Financial Officer

~~Table~~MELLON ofPREMIUM ~~Contents~~FINANCE LOAN OWNER TRUST, as registrant

~~INDEX~~By: OFMellon ~~EXHIBITS~~ Bank, N.A., as administrator

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

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: April 10, 2003

INDEX OF EXHIBITS


Exhibit No.	Document Description	Method of Filing

20	Monthly Certificateholders Statement	Filed herewith

Filing Compare · MELLON PREMIUM FINANCE LOAN OWNER TRUST