SECURITIESTable ANDof EXCHANGE COMMISSION Contents

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

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

~~CURRENT~~FORM ~~REPORT~~8-K ~~PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934~~

~~Date~~CURRENT ofREPORT PURSUANT ~~Report~~TO ~~(date~~SECTION of13 ~~earliest~~OR ~~event~~15 ~~reported~~(d) OF ~~July 11,~~THE ~~2006~~SECURITIES EXCHANGE ACT OF 1934

~~MELLON~~Date ~~BANK~~of Report (date of earliest event reported) October 10, ~~N.A.~~2006

~~(Originator~~MELLON ofBANK, ~~Mellon Bank Premium Finance Loan Master Trust)~~N.A.

(~~Exact~~Originator ~~name~~ of ~~Registrant~~Mellon asBank ~~specified~~Premium inFinance ~~its~~Loan ~~charter~~Master Trust)

~~United States~~ (~~State~~Exact orname ~~other jurisdiction~~ of ~~incorporation)~~Registrant ~~333-113957-02~~as ~~and~~specified ~~333-116609-02~~in ~~(Commission~~its ~~File Number~~charter) ~~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)


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

~~N/A~~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 name of Registrant as specified in its charter)

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


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

~~(Former~~MELLON ~~name~~PREMIUM orFINANCE ~~former~~LOAN ~~address,~~OWNER ~~if changed since last report)~~TRUST

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

(Exact name of Registrant as specified in its charter)


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

~~Delaware~~c/o ~~(State~~Chase orManhattan ~~other~~Bank, ~~jurisdiction~~USA, ofNational ~~incorporation)~~Association 1201 ~~333~~N. Market Street Wilmington, DE 19801 (302) 428-~~113957-03~~3372 (Address, including zip code, and ~~333-116609-03~~telephone ~~(Commission~~number, ~~File~~including ~~Number)~~area ~~51-6522553~~code, ~~(IRS~~of ~~Employer~~registrant’s IDprincipal ~~Number~~offices)

cN/~~o Chase Manhattan Bank, USA, National Association~~A ~~1201 N. Market Street Wilmington, DE 19801~~ (~~302) 428-3372 (Address,~~Former ~~including~~name ~~zip~~or ~~code,~~former ~~and telephone number~~address, ~~including~~if ~~area~~changed ~~code,~~since ~~of registrant’s~~last ~~principal offices~~report)

~~N/A~~MELLON BANK PFL MASTER NOTE TRUST

(~~Former~~Exact name orof ~~former~~Registrant ~~address,~~as ifspecified ~~changed~~in ~~since~~its ~~last report~~charter)

MELLON BANK PFL MASTER NOTE TRUST


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

One Mellon Center Pittsburgh, Pennsylvania 15258 (~~Exact~~412) 234-5000 (Address, ~~name~~including ofzip ~~Registrant~~code, asand ~~specified~~telephone innumber, ~~its~~including ~~charter~~area code, of registrant’s principal offices)

~~Delaware~~ N/A (~~State~~Former name or ~~other~~former ~~jurisdiction~~address, ofif ~~incorporation)~~changed ~~333-113957~~since ~~and~~last ~~333-116609 (Commission File Number~~report) ~~51-6522553 (IRS Employer ID Number)~~

~~One~~Carl Krasik, General Counsel & Secretary Mellon ~~Center~~Financial Corporation Suite 4700 500 Grant Street Pittsburgh, Pennsylvania 15258-0001 (412) 234-~~5000~~5222 ~~(Address, including zip code, and telephone number, including area code, of~~ ~~registrant’s principal offices)~~

~~N/A (Former~~Check ~~name~~the orappropriate ~~former~~box ~~address,~~below if ~~changed~~the ~~since~~Form ~~last~~8-K ~~report)~~filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

~~Carl~~o ~~Krasik,~~Written ~~Esq~~communications pursuant to Rule 425 under the Securities Act (17 CFR 230. ~~Mellon~~425) ~~Financial~~o ~~Corporation Suite 4700 500~~Soliciting ~~Grant~~material ~~Street Pittsburgh,~~pursuant ~~Pennsylvania~~to ~~15258~~Rule 14a-~~0001~~ 12 under the Exchange Act (~~412~~17 CFR 240.14a-12) ~~234~~ o Pre-~~5222~~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))

~~Check~~TABLE ~~the~~OF ~~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:~~ CONTENTS

~~o Written~~Item ~~communications~~8.01. ~~pursuant~~Other toEvents ~~Rule 425~~Item ~~under~~9.01. ~~the~~financial ~~Securities~~Statements ~~Act~~and ~~(17~~Exhibits ~~CFR~~SIGNATURES ~~230.425)~~ INDEX OF EXHIBITS EX-20

o SolicitingTable materialof pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) Contents

oItem ~~Pre-commencement~~8.01. ~~communications~~Other ~~pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240~~Events.~~14d-2(b))~~

~~o Pre-commencement~~ The ~~communications~~Registrant ~~pursuant~~hereby toincorporates ~~Rule 13e-4(c)~~by ~~under~~reference the ~~Exchange~~information ~~Act~~contained ~~(17~~in ~~CFR~~Exhibit 20 hereto ~~240~~in response to this Item 8.~~13e-4(c))~~01.

Item 8 9.01. ~~Other~~Financial ~~Events~~Statements and Exhibits.

~~The Registrant hereby incorporates by reference the information contained in Exhibit~~(c) ~~20 hereto in response to this Item 8~~Exhibits.~~01.~~

~~Item 9~~ 20.~~01.~~ Monthly ~~Financial~~Noteholders ~~Statements and Exhibits.~~Statement

~~(c) Exhibits~~SIGNATURES

~~20. Monthly~~ Pursuant ~~Noteholders~~to ~~Statement~~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.

~~SIGNATURES~~ 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

~~Pursuant~~Dated: ~~to the requirements of the Securities Exchange Act of 1934~~October 10, ~~the registrant has duly~~2006 ~~caused this report to be signed on its behalf by the undersigned thereunto duly authorized.~~

MELLONTable BANK,of 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 OfficerContents

~~Dated:~~INDEX ~~July 11,~~OF ~~2006~~EXHIBITS

INDEX OF EXHIBITS


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

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

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