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): March 9, 2005~~1934

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

MELLON BANK, N.A.

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

(Exact name of registrant as specified in its charter)


United States	333-113957-02 and	25-0659306
	333-116609-02

(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer ID Number)

	333-99477
	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)

~~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, including area code,~~TRUST

(Exact name of ~~registrant’s~~Registrant ~~principal~~as ~~offices~~specified in its charter)

N/A


New York	333-113957-01 and	51-0015912
	333-116609-01

(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer ID Number)

One Mellon Center Pittsburgh, Pennsylvania 15258 (~~Former~~412) 234-5000 (Address, ~~name~~including orzip ~~former~~code, ~~address~~and telephone number, ifincluding ~~changed~~area ~~since~~code, ~~last~~of ~~report~~registrant’s principal offices)

~~MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST~~N/A (~~Exact~~Former name ofor ~~registrant~~former asaddress, ~~specified~~if inchanged ~~its~~since ~~charter~~last report)

	333-99477-02
	and
New York	333-101671-02	51-0015912
(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)

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)

	333-99477-01
Delaware	333-113957-03 and	51-6522553
	and
	333-116609-03
Delaware	333-101671-01	51-6522553
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer ID Number)
(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~~N. Market Street Wilmington, DE 19801 (302) 428-3372 (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

~~(Address,~~Check ~~including~~the ~~zip~~appropriate ~~code,~~box ~~and~~below ~~telephone~~if ~~number,~~the ~~including~~Form ~~area~~8-K ~~code,~~filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

of registrant’s principal offices)

N/A

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

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))

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 Certificateholders 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~~Michael A. ~~BRYSON~~Bryson Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer MELLON PREMIUM FINANCE LOAN OWNER TRUST,as RegistrantBy: 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 RegistrantBy: 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 RegistrantBy: MELLON BANK, N.A., as Administrator By: /s/ Michael A. Bryson Name: Michael A. Bryson Title: Executive Vice President & Chief Financial Officer

~~MELLON PREMIUM FINANCE LOAN OWNER TRUST By~~Dated: ~~Mellon Bank N.A.~~August 9, ~~as Administrator~~2005

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: March 11, 2005

INDEX OF EXHIBITS

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

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