SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

~~Form~~ FORM 8-K

CURRENT REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934

~~Pursuant~~Date toof ~~Section 13~~Report ~~or 15~~(d)date of ~~the Securities~~earliest ~~Exchange~~event ~~Act~~reported) ofJuly 11, ~~1934~~ 2006

Date of Report (Date of earliest event Reported): June 9, 2005

The Amended and Restated Pooling and Servicing Agreement, dated as of June 15, 2001, including the Series 2002-1 Supplement, dated as of December 17, 2002, among 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 A Floating Rate Asset-Backed Certificates and Class B Floating Rate Asset-Backed Certificates, 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)~~

	333-99477
	and
United States	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~~United ~~Mellon~~States ~~Center Pittsburgh,~~(State ~~Pennsylvania~~or ~~15258~~ other jurisdiction of incorporation) 333-113957-02 and 333-116609-02 (Commission File Number) 25-0659306 (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)

~~(Address, including zip code, and telephone number, including area code, of registrant’s principal offices)~~N/A

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

MELLON BANK PREMIUM FINANCE LOAN MASTER TRUST

(Exact name of ~~registrant~~Registrant as specified in its charter)

	333-99477-02
	and
New York	333-101671-02	51-0015912
(State or Other Jurisdiction of	(Commission	(I.R.S. Employer
Incorporation)	File Numbers)	Identification No.)


New York (State or other jurisdiction of incorporation)		333-113957-01 and 333-116609-01 (Commission File Number)		51-0015912 (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)

~~(412) 234-5000~~N/A

(~~Address,~~Former ~~including~~name ~~zip~~or ~~code,~~former ~~and telephone number~~address, ~~including~~if ~~area~~changed ~~code, of~~since ~~registrant’s~~last ~~principal offices~~report)

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


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

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)

~~(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 (State or other jurisdiction of incorporation)		333-113957 and 333-116609 (Commission File Number)		51-6522553 (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~~4700 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))


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

ByDated: ~~/s/~~July 11, ~~MICHAEL A. BRYSON~~ 2006 ~~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 ~~Certificateholders~~Noteholders Statement		Filed herewith

Filing Compare · BNY MELLON N.A.