UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C.  20549
                                    FORM 10-K
                  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended                                      December 31, 1998
Commission File Number                                                  33-92836

                    FIRST SECURITY AUTO GRANTOR TRUST 1995-A
             (Exact name of Registrant as specified in its charter)
State of incorporation                                                      Utah
I.R.S. Employer Identification No.                                    36-7153652
Address of principal executive offices             79 South Main, P.O. Box 30006
                                                            Salt Lake City, Utah
Zip Code                                                              84130-0006
Registrant's telephone number, including area code                (801) 246-5891

   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 the Registrant 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]

   The registrant is a trust with no voting securities outstanding.

   This Annual Report on Form 10-K is filed by First Security Bank, N.A. (the 
Bank; formerly First Security Bank of Idaho, N.A. and First Security Bank of 
Utah, N.A., which merged on June 21, 1996) on behalf of the First Security Auto 
Grantor Trust 1995-A (the Trust) pursuant to Section 15(d) of the Securities 
Exchange Act of 1934, as amended.  This Annual Report on Form 10-K omits 
responses or responds in a modified fashion to certain items required by Form 
10-K in accordance with the responses of the Office of Chief Counsel, Division 
of Corporation Finance of the Securities and Exchange Commission contained in a 
letter dated March 21, 1989 and made orally to the Bank's counsel in response 
to the Bank's requests for exemptive relief from such reporting requirements.



Part I 

 1. Business
   The Trust has as its only assets a pool of motor vehicle instalment sales 
contracts and instalment loans (the loan pool) originated by the Bank.  At the 
origination date of the Trust, the loan pool totaled $250,899,110.59.
   Interests in the Trust are divided into: Class A Certificates, which 
constituted 95.5% of the total loan pool at origination; and Class B 
Certificates, which constituted 4.5%.

 2. Properties 
   The Trust was created pursuant to a Pooling and Servicing Agreement (the 
Agreement) dated June 23, 1995, among the Bank and First National Bank of 
Chicago (the Trustee).  The Trust is the owner of receivables and related motor 
vehicle collateral generated in connection with credit extensions to purchasers 
of such motor vehicles, primarily passenger cars and light trucks.
   The following table describes the current property of the Trust, and is a 
summary of the monthly reports filed previously on Form 8-K during 1998.
<TABLE>
<CAPTION>
First Security Auto Grantor Trust 1995-A
Annual Summary of Monthly Statements for Class A and Class B Certificate Holders Pursuant to Section 4.7 of the Agreement
Servicer: First Security Bank, N.A.
December 26, 1997 Thru December 25, 1998
<S>                                                                                          <C>
(i)  Principal Distribution                                                                      26,002,232.34
          Class A Amount                                                                         24,832,131.88
          Class B Amount                                                                          1,170,100.46
(ii)  Interest Distribution                                                                       1,518,034.13
          Class A Amount                                                                          1,449,688.84
          Class B Amount                                                                             68,345.29
(iii)  Yield Supplement Amount                                                                          530.03
(iv)  Basic Servicing Fee                                                                           242,885.46
(v)  Class A Certificate Balance (end of Collection Period)                                      11,489,119.96
     Class A Pool Factor (end of Collection Period)                                                  0.0479496
     Class B Certificate Balance (end of Collection Period)                                         541,937.60
     Class B Pool Factor (end of Collection Period)                                                  0.0479973
(vi)  Total Pool Balance (end of Collection Period)                                              12,031,057.56
(vii)  Realized Losses                                                                              564,014.67
(viii) (x) Excess of Class A Certificate Balance over Pool Balance                                        0.00
       (y) Excess of Class B Certificate Balance over amount by which Pool Balance exceeds                0.00
              Class A Certificate Balance
(ix)  Reserve Account Balance after Giving Effect to Payments Made on Distribution Date           4,973,929.89
(x)  Aggregate Purchase Amount of Receivables Repurchased by Sellers or purchased by Servicer        63,181.05
</TABLE>
   As a result of the operation of the Pooling and Servicing Agreement and the 
Yield Supplement Agreement, the distributions of principal and interest due to 
Certificate Holders during 1998 were all paid in full and on time.
   The following table shows the credit quality of the Trust's portfolio of 
receivables in terms of delinquency and aggregate net loss data including: 
the number of such contracts and their percentage of the total loan pool; and 
the amount of such contracts and their percentage of the total loan pool.

As of December 31, 1998:                  Contracts               Amounts
Type                                       #       %                   $       %
-----------------------------     ----------  ------     ---------------  ------
(i)   30-59 Days Delinquent              127   3.29%          589,030.46   4.90%
(ii)  60-89 Days Delinquent               46   1.19%          203,057.70   1.69%
(iii) 90 Days And Over Delinquent         25   0.01%          128,980.66   0.01%
Aggregate Net Losses                     198               $  921,068.82

 3. Legal Proceedings
   There were no material legal proceedings pending at December 31, 1998 that 
would have a materially adverse effect on the Trust, the Bank, the Trustee, or 
the Underwriters in the performance of their obligations to the holders and 
beneficial owners of the Certificates of the Trust.

 4. Submission of Matters to a Vote of Security Holders
   There were no matters submitted to a vote of Certificate Holders in 1998.

Part II 

 5. Market for Registrant's Common Equity and Related Security Holder Matters
   The holder of record of all the Certificates as of December 31, 1998, was 
Cede & Co., the nominee of The Depository Trust Company (DTC) in the United 
States.  Direct participants active in the DTC system include securities 
brokers and dealers, banks, trust companies, and clearing corporations.  The 
Certificates are not listed on any exchange.

 6. Selected Financial Data 
   Omitted Per No-Action Letter dated March 21, 1989.

 7. Management's Discussion and Analysis of Results of Operations and 
    Financial Condition
   Omitted per No-Action Letter dated March 21, 1989.

 8. Financial Statements and Supplementary Data
   Omitted per No-Action Letter dated March 21, 1989.

 9. Changes in and Disagreements with Accountants on Accounting and Financial 
    Disclosures
   None.


Part III 

10. Directors and Executive Officers
   Omitted per No-Action Letter dated March 21, 1989.

11. Executive Compensation
   Omitted per No-Action Letter dated March 21, 1989.

12. Security Ownership of Certain Beneficial Owners and Management
   (a)  The holder of record of all of the Certificates as of December 31, 
1998, was Cede & Co., the nominee of The Depository Trust Company (DTC) in the 
United States.  Direct participants active in the DTC system include securities 
brokers and dealers, banks, trust companies, and clearing corporations.
   (b) and (c)  Because the Trust does not have any directors or officers, and 
since the usual meaning of control is not applicable to the Trust, no response 
is made to subparagraphs (b) and (c) per No-Action Letter dated March 21, 1989.

13. Certain Relationships and Related Transactions
   There have been no transactions during 1998 between the Trustee, the Trust, 
and/or the Bank that qualify for disclosure under Item 404 of Regulation S-K.
   During 1998, the Bank received a total of $242,885.46 in compensation for 
servicing the Trust portfolio.  The Trustee received a total of $3,508.96 for 
its services to the Trust during 1998.

Part IV  

14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K 
   (a) Exhibit Index
      4.1, Pooling and Servicing Agreement (Ex. 4 to the Trust's Registration 
        Statement on Form S-1, Reg. No. 33-92836, incorporated by reference.)
      4.2, Yield Supplement Agreement (Ex. 4 to the Trust's Registration 
        Statement on Form S-1, Reg. No. 33-92836, incorporated by reference.)
      99, Officer's Certificate
   (b) Financial Statement Schedules and Reports on Form 8-K
      In lieu of audited financial statements, the Registrant issues a monthly 
      Statement to Certificate Holders report containing aggregate financial 
      data for each month that the Trust was in operation.  These are reported 
      on Form 8-K.  These reports are not audited.

Subsequent Events

   On January 15, 1999, FSCO exercised its right under the Trust Agreement to 
repurchase the remainder of loans outstanding, the combined balance of which 
amounted to less than 5% of the original loan pool balance of $250,899,110.59.

Signatures

   Because the Trust has no directors or individual trustees, and because the 
Bank is merely the originator and servicer of the Trust, the Annual Report on 
Form 10-K will not be signed by a majority of the directors of the Bank or by 
any individuals other than an authorized officer of the Bank.



<PAGE>

SIGNATURES

FIRST SECURITY AUTO GRANTOR TRUST 1995-A
Registrant

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the Bank has duly caused this report to be signed for and on its 
behalf by the undersigned, thereunto duly authorized.

FIRST SECURITY AUTO GRANTOR TRUST 1995-A

By
FIRST SECURITY BANK, N.A.,
(formerly First Security Bank of Idaho, N.A. and First Security Bank of Utah, 
N.A., which merged on June 21, 1996)
(Seller and Servicer)


/s/ Brad D. Hardy                                         March 26, 1999
_______________________________________________________   ____________________
Brad D. Hardy                                             Date
Executive Vice President Corporate Services
General Counsel, Chief Financial Officer, and Secretary
First Security Corporation
(Authorized Officer)



<PAGE>

Exhibit 99
OFFICER'S CERTIFICATE

FIRST SECURITY CORPORATION
Brad D. Hardy
Executive Vice President Corporate Services
General Counsel, Chief Financial Officer, and Secretary

Janice Ott Rotunno
Assistant Vice President
The First National Bank of Chicago
Corporate Trust Services Division
Mail Suite 0126
Chicago, IL 60670-0126

Dear Ms. Rotunno:

   This letter serves as the Officer's Certificate according to Section 3.10 
of the Pooling and Servicing Agreement dated June 23, 1995 for the First 
Security Auto Grantor Trust 1995-A.
   In accordance with Section 3.10:
   (i) a review of the activities First Security Bank, N.A. (the Bank; formerly 
First Security Bank of Idaho, N.A. and First Security Bank of Utah, N.A., which 
merged on June 21, 1996) with respect to its servicing for the period of 
December 26, 1997 through December 25, 1998 and the performance of its 
obligations under this Agreement has been made under such officer's 
supervision; and 
   (ii) to the best of such officer's knowledge, based on such review, the 
Bank has fulfilled all of its obligations under this Agreement throughout this 
period, and there are no known defaults of the Bank under the Pooling and 
Servicing Agreement.
   Please contact us if you have any questions.

Sincerely,


/s/ Brad D. Hardy                                         March 26, 1999
_______________________________________________________   ____________________
Brad D. Hardy                                             Date
Executive Vice President Corporate Services
General Counsel, Chief Financial Officer, and Secretary
First Security Corporation
(Authorized Officer)