<TABLE>


------------------------------------------------------------------------------------------------------------------------------------
                                        CHASE MANHATTAN AUTO OWNER TRUST
                                                 SERIES 1997-B
                                        STATEMENT TO CERTIFICATEHOLDERS
====================================================================================================================================
PERIOD 20                                                                                                           PAGE # 1
DETERMINATION:10-Jan-99                                                                                             Beginning 1/1/99
DISTRIBUTION: 16-Feb-99                                                                                             Ending 1/31/99
TIME: 3/10/99 16:52
                                                                           CLASS A-1 5.744% MONEY MARKET ASSET BACKED NOTES
                                                                           CLASS A-2 6.100% ASSET BACKED NOTES
                                                                           CLASS A-3 6.350% ASSET BACKED NOTES
                                                                           CLASS A-4 6.500% ASSET BACKED NOTES
                                                                           CLASS A-5 6.600% ASSET BACKED NOTES
                                                                           CLASS B-1 6.750% 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         $200,000,000.00                 $0.00             $0.00             $0.00             $0.00             $0.00
    A-2 Notes         $294,000,000.00        $21,051,540.97    $19,874,017.22       $107,012.00    $19,981,029.22     $1,177,523.75
    A-3 Notes         $227,000,000.00       $227,000,000.00             $0.00     $1,201,208.33     $1,201,208.33   $227,000,000.00
    A-4 Notes         $133,000,000.00       $133,000,000.00             $0.00       $720,416.67       $720,416.67   $133,000,000.00
    A-5 Notes          $70,000,000.00        $70,000,000.00             $0.00       $385,000.00       $385,000.00    $70,000,000.00
------------------------------------------------------------------------------------------------------------------------------------
    NOTE TOTALS       $924,000,000.00       $451,051,540.97    $19,874,017.22     $2,413,637.00    $22,287,654.22   $431,177,523.75
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------
       B-1             $29,148,275.79        $29,148,275.79             $0.00       $163,959.05       $163,959.05    $29,148,275.79
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
CERTIFICATE TOTALS     $29,148,275.79        $29,148,275.79             $0.00       $163,959.05       $163,959.05    $29,148,275.79
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
      TOTALS          $953,148,275.79       $480,199,816.76    $19,874,017.22     $2,577,596.05    $22,451,613.27   $460,325,799.54
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------



                                               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                 67.59869803            0.36398639             4.00518282
                                                                  -----------------------
                                                                  ----------------------- 
            A-3                  0.00000000            5.29166665         1,000.00000000
                                                                  -----------------------
                                                                  ----------------------- 
            A-4                  0.00000000            5.41666669         1,000.00000000
                                                                  -----------------------
                                                                  ----------------------- 
           A-5                   0.00000000            5.50000000         1,000.00000000
------------------------                                          -----------------------
                        -----------------------------------------------------------------
       Notes Totals             21.50867665            2.61216126           466.64234172
-----------------------------------------------------------------------------------------

-----------------------------------------------------------------------------------------
           B-1                   0.00000000            5.62499995         1,000.00000000
------------------------                                          -----------------------
-----------------------------------------------------------------------------------------
    Certificate Totals           0.00000000            5.62499995         1,000.00000000
-----------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------
          TOTALS                20.85091871            2.70429703           482.95297933
-----------------------------------------------------------------------------------------


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

PERIOD 20                                                                                            PAGE                     # 2
DETERMINATION: 10-Jan-99                                                                          Beginning                1/1/99
DISTRIBUTION: 16-Feb-99                                                                             Ending                1/31/99
TIME: 3/10/99 16:52



                                                                                                                          per $1000
Section 5.8 (iii)                Servicing Fee                                                          $400,166.51      0.41983658


Section 5.8 (iv)                 Administration Fee                                                       $1,000.00      0.00104915


Section 5.8 (vi)                 Pool Balance at the end of the Collection Period                   $460,325,799.54


Section 5.8 (vii)                Repurchase Amounts for Repurchased Receivable
                                                         By Seller                                            $0.00
                                                         By Servicer                                    $222,750.65
                                                         TOTAL                                          $222,750.65

Section 5.8 (viii)               Realized Net Losses for Collection Period                              $285,810.52


Section 5.8 (ix)                 Reserve Account Balance after Disbursement                          $13,809,773.99


Section 5.8 (x)                  Specified Reserve Account Balance                                   $13,809,773.99


Section 5.8 (xi)                 Total Distribution Amount                                           $23,697,510.71

                                                         Servicing Fee                                  $400,166.51
                                                         Administrative Fee                               $1,000.00
                                                         Noteholders' Distribution Amount            $22,287,654.22
                                                         Certificateholders' Distribution Amount       $ 163,959.05
                                                         Deposit to Reserve Account                     $844,730.93









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   $19,874,017.22        $107,012.00     $19,981,029.22        67.59869803          0.36398639        67.96268442
 A-3            $0.00      $1,201,208.33      $1,201,208.33         0.00000000          5.29166665         5.29166665
 A-4            $0.00        $720,416.67        $720,416.67         0.00000000          5.41666669         5.41666669
 A-5            $0.00        $385,000.00        $385,000.00         0.00000000          5.50000000         5.50000000
--------------------------------------------------------------------------------------------------------------------------------
Total  $19,874,017.22      $2,413,637.00     $22,287,654.22        21.50867665          2.61216126        24.12083790
--------------------------------------------------------------------------------------------------------------------------------




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        $163,959.05     $163,959.05             0.00000000          5.62499995            5.62499995
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
Total          $0.00        $163,959.05     $163,959.05             0.00000000          5.62499995            5.62499995
------------------------------------------------------------------------------------------------------------------------------------




Section 5.8 (xiv)                Reserve Fund Transfer Amount                                          $ 844,730.93



</TABLE>