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

OFDate ~~THE~~of ~~SECURITIES~~Report ~~EXCHANGE~~(Date ~~ACT~~of OFearliest ~~1934~~event Reported): June 9, 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 ~~May~~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 10A 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~~registrant as specified in its charter)

United States	333-113957-02 and 333-116609-02	25-0659306
	333-99477
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer ID Number)
	and
United States	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)~~

(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 ~~FINANCELOAN~~ 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
	333-99477-02
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer ID Number)
	and
New York	333-101671-02	51-0015912
(State or Other Jurisdiction of	(Commission	(I.R.S. Employer
Incorporation)	File Numbers)	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)~~

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

c/o Chase Manhattan Bank, USA, National Association 1201 N.North Market Street Wilmington, DE 19801 (302) 428-3372 ~~(Address, including zip code, and telephone number, including area code, of registrant’s principal offices)~~

(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)

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

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the 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) 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))

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))

Item 8.01. Other Events.

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

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~~By: ~~May 13,~~/s/ ~~2005~~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

By: /s/ MICHAEL A. BRYSON
          Name: Michael A. Bryson
          Title: Executive Vice President &
                     Chief Financial Officer

Dated: June 14, 2005

INDEX OF EXHIBITS

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

Filing Compare · BNY MELLON N.A.