SECURITIES AND EXCHANGE COMMISSION
                     Washington, D.C. 20549
                       __________________
                            FORM 10-K

                FOR ANNUAL AND TRANSITION REPORTS
             PURSUANT TO SECTIONS 13 OR 15(d) OF THE
                 SECURITIES EXCHANGE ACT OF 1934
(Mark One)

__x__     ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE
     SECURITIES EXCHANGE ACT OF 1934
For the Fiscal Year Ended:  December 31, 1997
                               OR
_____     TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
     THE SECURITIES EXCHANGE ACT OF 1934

                Commission file number 333-32263

              Chase Manhattan RV Owner Trust 1997-A
                              (issuer)
       The Chase Manhattan Bank USA, National Association
                              (depositor)
                  (Exact name of registrant as
                    specified in its charter)

               Delaware.                      22-2382028
    (State or Other Jurisdiction of         (IRS Employer
    Incorporation or Organization)          Identification
                                               Number)

802 Delaware Avenue, Wilmington, Delaware        19801
(Address of principal executive offices)      (Zip Code)
Registrant's telephone number, including area code:  (302) 575-5033

Securities registered pursuant to Section 12(b) of the Act:  NONE
Securities registered pursuant to Section 12(g) of the Act:  NONE

Indicate by check mark whether the registrant (1) has filed all
reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months
(or for such shorter period that the registrant was required to
file such reports), and (2) has been subject to such filing
requirements for the past 90 days:
                         Yes   X      No

Indicate by check mark if disclosure of delinquent filers
pursuant to Item 405 of Regulation S-K is not contained herein,
and will not be contained, to the best of registrant's knowledge,
in definitive proxy or information statements incorporated by
reference in Part III of this Form 10-K or any amendment to this
Form 10-K. __X__

State the aggregate market value of the voting stock held by non-
affiliates of the registrant:
   The registrant has no voting stock or class of common stock
           outstanding as of the date of this report.
                                
<PAGE>
                        Introductory Note
                                
Chase Manhattan RV Owner Trust 1997-A (the "Trust") was formed
pursuant to a Trust Agreement (as amended, the "Agreement") among
The Chase Manhattan Bank and Chase Manhattan Bank USA, National
Association (the "Bank"), as sellers, and an unrelated trustee
(the "Trustee").  The Trust files reports pursuant to Sections 13
and 15(d) of the Securities Exchange Act of 1934, as amended the
("Exchange Act"), in the manner described in "no-action" letters
submitted to the Office of Chief Counsel on behalf of the
originators of comparable trusts.  Accordingly, responses to
certain Items have been omitted from or modified in this Annual
Report on Form 10-K.

                             Part I
                                
Item 1.   Business
       
       Omitted.
       
Item 2.   Properties
       
       The Trust has acquired certain RV loan receivables from
       the Bank pursuant to a Sale and Servicing Agreement (the
       "Sale and Servicing Agreement").  The aggregate amount of
       Losses on all Liquidated Receivables with respect to the
       assets of the Trust for the year ended December 31, 1997
       was $261,633.92.  As of December 31, 1997, the aggregate
       Pool Balance of receivables in the Trust was
       $814,555,343.03 and the aggregate principal balances of
       delinquent Receivables in the Trust were as follows:
       
             delinquency     principal
                             balance
             31-59 days      $9,039,326.43
             60-89 days      $2,569,487.69
             90-119 days     $2,046,078.73
             120+ days       $1,935,601.28


Item 3.   Legal Proceedings
       
       The registrant knows of no material pending proceedings
       with respect to the Trust or the Trustee.
       
Item 4.   Submission of Matters to a Vote of Security Holders
       
       No matter was submitted to a vote of security holders
       during the fiscal year covered by this report.
       
                                Part II
                                
Item 5.   Market for Registrant's Common Equity and Related
       Stockholders Matters
       
       The registrant has no voting stock or class of common
       stock outstanding as of the date of this report.  The
       beneficial interest in the Trust is represented by
       certificates of beneficial interest (the "Certificates").
       The Trust has also issued certain debt securities (the
       "Notes").  To the knowledge of the registrant, the
       Certificates and the Notes are traded in the over-the-
       counter market to a limited extent.
       
       The records of the Trust indicate that as of December 31,
       1997, there was one Certificateholder of Record, and one
       Noteholder of record.
       
Item 6.   Selected Financial Data
       
       Omitted.
       
Item 7.   Management's Discussion and Analysis of Financial
       Condition and Results of Operations
       
       Year 2000 Compliance
       

     The Year 2000 compliance issue arises out of the inability
       of computers, software and other equipment utilizing
       microprocessors to recognize and properly process data fields
       containing a 2 digit year.  In response to this issue, The CIT
       Group/Sales Financing, Inc. ("Servicer") has developed a
       comprehensive project to ensure that its software applications
       and systems are Year 2000 compliant.  The scope of this project
       includes, among other things, the assessment of "at risk"
       applications and systems, an assessment of the interdependencies
       of various systems and the relative importance of each system to
       the business, the design and execution of required modifications
       to achieve Year 2000 compliance, and the plans for testing of
       modifications to verify Year 2000 compliance.  The Servicer
       expects to complete substantially all Year 2000 remediation and
       testing by the end of the first quarter of 1999.  The Servicer's
       ability to meet this timetable is in part dependent upon the
       ability of third parties, such as software vendors and
       developers, to meet their stated deadlines.  In addition, the
       Servicer is communicating with other third parties, including
       vendors, borrowers and obligors, to determine the status of their
       Year 2000 compliance efforts in an effort to reduce the
       Servicer's potential exposure to such third parties' Year 2000
       issues.  While the Servicer has made and will continue to make
       certain investments related to this project, the financial impact
       to the Servicer of such investments has not been, and is not
       anticipated to be, material to its financial position or results
       of operations.
       


Item 7A.     Quantitative and Qualitative Disclosures About
        Market Risk

        Not applicable.

Item 8.   Financial Statements and Supplementary Data
       
       Omitted.
       
Item 9.   Changes in and Disagreements with Accountants on
       Accounting and Financial Disclosure
       
       None.
       
                                Part III
                                
Item 10.  Directors and Executive Officers of the Registrant
       
       Omitted.
       
Item 11.  Executive Compensation
       
       Omitted
       
Item 12.  Security Ownership of Certain Beneficial Owners and
       Management
       
       As of December 31, 1997, except for a Certificate
       registered in the name of the registrant, all of the
       Certificates were registered in the name of CEDE and Co.
       The registrant understands that CEDE and Co. is the
       nominee for The Depository Trust Company ("DTC").  The
       records of DTC indicate that at December 31, 1997, there
       were 13 participants in the DTC system that held positions
       in Certificates or Notes representing interests in the
       Trust equal to more than 5% of the total principal amount
       of Certificates or Notes of one or more classes
       outstanding on that date.
       
       The registrant understands that DTC has no knowledge of
       the actual beneficial owners of the Certificates held of
       record by CEDE & Co., and that DTC knows only the identity
       of the participants to whose accounts such Certificates
       are credited, who may or may not be the beneficial owners
       of the Certificates.
       


Item 13.  Certain Relationships and Related Transactions
       
       None.
       
                                Part IV
                                
Item 14.  Exhibits, Financial Statement Schedules, and Reports of
       Form 8-K
       
       (a)     Exhibits.  The following documents are filed as
part of this Annual Report on Form 10-K.

     Exhibit Number Description

                    28.1 Annual Servicer's Certificate pursuant
                    to Section 4.9 of the Sale and Servicing
                    Agreement.
                    
                    28.2 Annual Independent Accountant's
                    Servicing Report pursuant to Section 4.11 of
                    the Sale and Servicing Agreement.
                    
                    28.3 Annual Issuer's Certificate of
                    Compliance.
                    
       (b)  Reports on Form 8-K.
       
       No reports were filed on Form 8-K in the fourth quarter
       of 1997.
       
                            SIGNATURE
                                
          Pursuant to the requirements of Section 13 or 15(d) 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.

                      Chase Manhattan RV Owner Trust 1997-A
                 
                      by The CIT Group/Financing, Inc.
                           as Servicer
                 
                 
                      By:  /s/ Frank Garcia
                           Name:  Frank Garcia
                           Title: Vice President
                 
     Date:  March 31, 1998

                                
                                
                        INDEX TO EXHIBITS
                                
   Exhibit Number               Description               
                                                          
28.1                  Annual Servicer's Certificate       
                      pursuant to Section 4.9 of the      
                      Sale and Servicing Agreement
                      
28.2                  Annual Independent Accountant's Servicing Report          
                      pursuant to Section 4.11 of the     
                      Sale and Servicing Agreement
                      
28.3                  Annual Issuer's Certificate of      
                      Compliance                            
                      


<PAGE>
                                                            Exhibit 28.1
CHASE MANHATTAN RV OWNER TRUST  1997-A
ANNUAL OFFICER'S CERTIFICATE

COMPLIANCE WITH AGREEMENT

     The undersigned certifies that he is a Vice President of The
CIT Group/Sales Financing, Inc., a corporation organized under
the laws of Delaware ("CITSF"), and that as such he is duly
authorized to execute and deliver this certificate on behalf of
CITSF in connection with Section 4.9(a) of the Sale and Servicing
Agreement, dated as of September 1, 1997 (the "Agreement"), among
CITSF, as Servicer, Chase Manhattan Bank USA, National
Association and The Chase Manhattan Bank, as Sellers, and Chase
Manhattan RV Owner Trust 1997-A, as Issuer, for which Wilmington
Trust Company acts as Owner Trustee (all capitalized terms used
herein without definition having the respective meanings
specified in the Agreement).  The undersigned further certifies
that a review of the activities of CITSF during the preceding
calendar year and of its performance under the Agreement has been
made under his supervision and to the best of his knowledge,
based on such review, CITSF has fulfilled all its obligations
under the Agreement throughout the preceding calendar year.

     IN WITNESS WHEREOF, I have affixed hereto my signature this
day of February, 1998.

                                   THE CIT GROUP/SALES
                                   FINANCING, INC., as Servicer



                                   /s/ Frank Garcia
                                   Name:  Frank Garcia
                                   Title: Vice President
                  

<PAGE>
                                                                   Exhibit  28.2

                  [LETTERHEAD OF THE KPMG PEAT MARWICK LLP]
 

                     Independent Auditors' Report


The Board of Directors
The CIT Group/Sales Financing, Inc.:


We have examined management's assertion about The CIT Group/Sales
Financing, Inc.'s (the Company), a wholly-owned subsidiary of The
CIT Group, Inc., compliance with the minimum servicing standards
identified in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers  as of
and for the year ended December 31, 1997 included in the
accompanying management assertion.  Management is responsible for
the Company's compliance with those minimum servicing standards.
Our responsibility is to express an opinion on management's
assertion about the Company's compliance based on our
examination.

Our examination was made in accordance with standards established
by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about
the Company's compliance with the minimum servicing standards and
performing such other procedures as we considered necessary in
the circumstances.  We believe that our examination provides a
reasonable basis for our opinion.  Our examination does not
provide a legal determination on the Company's compliance with
the minimum servicing standards.

In our opinion, management's assertion that the Company has
complied in all material respects with the aforementioned minimum
servicing standards as of and for the year ended DecemberE31,
1997 is fairly stated, in all material respects.


                                          /s/ KPMG Peat Marwick LLP

March 13, 1998
<PAGE>

                                                            Exhibit 28.3

CHASE MANHATTAN RV OWNER TRUST 1997-A
ANNUAL ISSUER'S CERTIFICATE

COMPLIANCE WITH INDENTURE

     The undersigned certifies that he is an Authorized Officer
of Wilmington Trust Company, as Owner Trustee for Chase Manhattan
RV Owner Trust 1997-A and that he is duly authorized to execute
and deliver this certificate on behalf of the Issuer in
connection with Section 3.9 of the Indenture between the Issuer
and Norwest Bank Minnesota, National Association, as Indenture
Trustee, dated as of September 1, 1997 (the "Indenture") and the
Sale and Servicing Agreement, dated as of September 1, 1997 (the
"Agreement"), among CITSF, as Servicer, Chase Manhattan Bank USA,
National Association and Chase Manhattan Bank, as Sellers, and
Wilmington Trust Company, as Owner Trustee.  All capitalized
terms used herein without definition shall have the respective
meanings specified in the Indenture and the Agreement.

     The undersigned further certifies that a review of the
activities of the Issuer for the preceding calendar year has been
made under his supervision and, to the best of his knowledge, the
Issuer has fulfilled its obligations under the Indenture for the
preceding calendar year.

     IN WITNESS WHEREOF, I have affixed hereto my signature as of
this       day of February, 1998.
                              CHASE MANHATTAN  RV OWNER TRUST 1997-A
                              BY:  WILMINGTON TRUST COMPANY, as Owner Trustee

                              /s/ Denise M. Green
                              Name:  Denise M. Green
                              Title: Financial Services Officer

The CIT Group/Sales Financing, Inc., as Servicer, hereby requests
that Wilmington Trust Company execute the above Issuer's
Certificate and deliver it to Norwest Bank, Minnesota  National
Association, as Indenture Trustee.

                              THE CIT GROUP/SALES
                              FINANCING, INC., as Servicer


                               /s/ Frank Garcia
                                   Name:  Frank Garcia
                                   Title:  Vice President