<TABLE>


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                                                     CHASE MANHATTAN AUTO OWNER TRUST
                                                               SERIES 1997-A
                                                      STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
PERIOD 23                                                                                                          PAGE # 1
DETERMINATION10-Feb-99                                                                                             Beginning 1/1/99
DISTRIBUTION:16-Feb-99                                                                                             Ending 1/31/99
TIME: 3/10/99 16:50
                                                             CLASS A-1 5.545% MONEY MARKET ASSET BACKED NOTES
                                                             CLASS A-2 5.950% ASSET BACKED NOTES
                                                             CLASS A-3 6.250% ASSET BACKED NOTES
                                                             CLASS A-4 6.400% ASSET BACKED NOTES
                                                             CLASS A-5 6.500% ASSET BACKED NOTES
                                                             CLASS B-1 6.650% ASSET BACKED CERTIFICATES

                   ORIG PRINCIPAL          BEG PRINCIPAL      PRINCIPAL         INTEREST            TOTAL              END PRINCIPAL
   CLASS              BALANCE                 BALANCE       DISTRIBUTION      DISTRIBUTION      DISTRIBUTION              BALANCE
------------------------------------------------------------------------------------------------------------------------------------
<S>        <C>                      <C>                 <C>               <C>              <C>                <C>  
 A-1 Notes         $250,000,000.00                $0.00             $0.00            $0.00              $0.00                  $0.00
 A-2 Notes         $365,000,000.00                $0.00             $0.00            $0.00              $0.00                  $0.00
 A-3 Notes         $270,000,000.00      $221,189,191.87    $24,073,444.21    $1,152,027.04     $25,225,471.25        $197,115,747.66
 A-4 Notes         $165,000,000.00      $165,000,000.00             $0.00      $880,000.00        $880,000.00        $165,000,000.00
 A-5 Notes          $85,500,000.00       $85,500,000.00             $0.00      $463,125.00        $463,125.00         $85,500,000.00
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 NOTE TOTALS     $1,135,500,000.00      $471,689,191.87    $24,073,444.21    $2,495,152.04     $26,568,596.25        $447,615,747.66
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    B-1             $35,153,718.13       $35,153,718.13             $0.00      $194,810.19        $194,810.19         $35,153,718.13
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CERTIFICATE
     TOTALS         $35,153,718.13       $35,153,718.13             $0.00      $194,810.19        $194,810.19         $35,153,718.13
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   TOTALS        $1,170,653,718.13      $506,842,910.00    $24,073,444.21    $2,689,962.23     $26,763,406.44        $482,769,465.79
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                                 FACTOR   INFORMATION   PER   $1,000


                     PRINCIPAL                INTEREST            END PRINCIPAL
   CLASS            DISTRIBUTION            DISTRIBUTION             BALANCE
--------------------------------------------------------------------------------
<S>       <C>                      <C>                  <C>                
     A-1               0.00000000           0.00000000              0.00000000
                                                       ------------------------
             ------------------------------------------------------------------
     A-2               0.00000000           0.00000000              0.00000000
                                                       ------------------------
              ------------------------------------------------------------------
     A-3              89.16090448           4.26676681            730.05832467
                                                       ------------------------
             ------------------------------------------------------------------
     A-4               0.00000000           5.33333333          1,000.00000000
                                                       ------------------------
             ------------------------------------------------------------------
    A-5                0.00000000           5.41666667          1,000.00000000
-------------                                          ------------------------
             ------------------------------------------------------------------
Notes Totals          21.20074347           2.19740382            394.20145104
-------------------------------------------------------------------------------

-------------------------------------------------------------------------------
    B-1                0.00000000           5.54166672          1,000.00000000
-------------                                          ------------------------
-------------------------------------------------------------------------------
Certificate Totals     0.00000000           5.54166672          1,000.00000000
-------------------------------------------------------------------------------
-------------------------------------------------------------------------------
   TOTALS             20.56410349           2.29782914            412.39305724
-------------------------------------------------------------------------------

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                                       CHASE MANHATTAN AUTO OWNER TRUST
                                                  SERIES 1997-A
                                        STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
------------------------------------------------------------------------------------------------------------------------------------

PERIOD 23                                                                                                           PAGE     # 2
DETERMINATION: 10-Feb-99                                                                                            Beginning 1/1/99
DISTRIBUTION: 16-Feb-99                                                                                             Ending 1/31/99
TIME: 3/10/99 16:50



                                                                                                                      per $1000
Section 5.8 (iii)            Servicing Fee                                                       $422,369.09         0.36079763


Section 5.8 (iv)             Administration Fee                                                    $1,000.00         0.00085422


Section 5.8 (vi)             Pool Balance at the end of the Collection Period                $482,769,465.79


Section 5.8 (vii)            Repurchase Amounts for Repurchased Receivable
                                                By Seller                                              $0.00
                                                By Servicer                                       $84,495.72
                                                TOTAL                                             $84,495.72

Section 5.8 (viii)           Realized Net Losses for Collection Period                           $499,669.24


Section 5.8 (ix)             Reserve Account Balance after Disbursement                       $14,483,083.97


Section 5.8 (x)              Specified Reserve Account Balance                                $14,483,083.97


Section 5.8 (xi)             Total Distribution Amount                                        $27,757,233.38

                                                Servicing Fee                                    $422,369.09
                                                Administrative Fee                                 $1,000.00
                                                Noteholders' Distribution Amount              $26,568,596.25
                                                Certificateholders' Distribution Amount         $ 194,810.19
                                                Deposit to Reserve Account                       $570,457.85









Section 5.8 (xii)            Noteholders' Distributable Amount


------------------------------------------------------------------------------------------------------------------------------------
 Class       Principal        Interest                 Total      Prin (per $1000/orig) Int (per $1000/orig)  Total (per $1000/orig)
------------------------------------------------------------------------------------------------------------------------------------
<S>   <C>                <C>                <C>               <C>              <C>                  <C>                  
  A-1              $0.00              $0.00             $0.00       0.00000000           0.00000000                0.00000000
  A-2              $0.00              $0.00             $0.00       0.00000000           0.00000000                0.00000000
  A-3     $24,073,444.21      $1,152,027.04    $25,225,471.25      89.16090448           4.26676681               93.42767130
  A-4              $0.00        $880,000.00       $880,000.00       0.00000000           5.33333333                5.33333333
  A-5              $0.00        $463,125.00       $463,125.00       0.00000000           5.41666667                5.41666667
------------------------------------------------------------------------------------------------------------------------------------
 Total    $24,073,444.21      $2,495,152.04    $26,568,596.25      21.20074347           2.19740382               23.39814729
------------------------------------------------------------------------------------------------------------------------------------




Section 5.8 (xiii)           Certificateholders' Distributable Amount


------------------------------------------------------------------------------------------------------------------------------------
Class        Principal        Interest             Total        Prin (per $1000/orig) Int (per $1000/orig)  Total (per $1000/orig)
------------------------------------------------------------------------------------------------------------------------------------
<S>    <C>            <C>                 <C>                 <C>                <C>                  <C>       
 B-1          $0.00          $194,810.19         $194,810.19         0.00000000           5.54166672                5.54166672
------------------------------------------------------------------------------------------------------------------------------------
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Total         $0.00          $194,810.19         $194,810.19         0.00000000           5.54166672                5.54166672
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Section 5.8 (xiv)            Reserve Fund Transfer Amount                                                      $ 570,457.85




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