SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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, 1999

                       Commission file number 333-26675-01
                                              ------------

                            Barnett Auto Trust 1997-A
                            -------------------------
             (Exact name of registrant as specified in its charter)

United  States  of  America                             86-0888083
---------------------------                             ----------
(State  or  other  jurisdiction                         (IRS Employer
of  incorporation  or  organization)                    Identification No.)

Interstate  Tower,  121  W.  Trade  Street,  Charlotte, North Carolina   28255
------------------------------------------------------------------------------
(Address  of  principal  executive  offices)                         (Zip  Code)

Registrant's  telephone  number,  including  area  code          (704)  386-5000

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.  None.

Indicate  the number of shares outstanding of the registrant's classes of common
stock,  as  of  the  latest  practicable  date.  None.

Documents  Incorporated  by  Reference.  None.

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PART  I
-------

Item  1.     Business
             --------
             Not  applicable.

Item  2.     Properties
             ----------
             Not  applicable.

Item  3.     Legal  Proceedings
             ------------------
             There  are  no  material  pending legal proceedings with respect to
             Barnett Auto Trust 1997-A (the "Trust") involving the Trust, US
             Bank National Association, as Indenture Trustee, and Bank of New
             York  (Delaware), as Owner Trustee (collectively, the "Trustees"),
             or Bank of America, N.A,  as Servicer, other than ordinary routine
             litigation  incidental  to  the  Trust assets or the Trustees' or
             the  Servicer's  duties  under the applicable Sales and Servicing
             Agreement.

Item  4.     Submission  of  Matters  to  a  Vote  of  Security  Holders
             -----------------------------------------------------------
             None.

PART  II
--------

Item  5.     Market  for  the Registrant's Common Equity and Related Stockholder
             -------------------------------------------------------------------
             Matters
             -------
            (a)     Market Information. There is no established public trading
                    market for the Notes.

            (b)     Holders. Since each of the Notes was issued in book entry
                    form only, there is only one holder of record of each Series
                    of Notes.  See Item  12  below.

            (c)     Dividends.  Not  applicable.

Item  6.     Selected  Financial  Data
             -------------------------
                    Not  applicable.

Item  7.     Management's  Discussion  and  Analysis  of Financial Condition and
             -------------------------------------------------------------------
             Results  of  Operations
             -------------------
                   Not  applicable.

Item  8.     Financial  Statements  and  Supplementary  Data
             -----------------------------------------------
                   Not  applicable.

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
           --------------------------------------------------------
                   Not  applicable.

Item  11.  Executive  Compensation
           -----------------------
                   Not  applicable.


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<PAGE>
Item  12.  Security  Ownership  of  Certain  Beneficial  Owners  and  Management
           ---------------------------------------------------------------------

           The Notes are represented by one or more notes registered in the name
           of Cede & Co., the nominee of The Depository Trust Company ("DTC").
           An investor holding an interest in the Trust is not entitled to
           receive a note representing such interest except in limited
           circumstances. Accordingly, Cede & Co. is the sole holder of record
           of the Notes, which it holds on behalf of brokers, dealers, banks and
           other participants in the DTC system.  Such participants may hold
           notes for their own accounts or for the accounts of their customers.
           The address of Cede & Co. is:
                                  Cede  &  Co.
                                  c/o  The  Depository  Trust  Company
                                  Attention:  Proxy  Department
                                  Seven  Hanover  Square
                                  New  York,  New  York  10004


Item  13.  Certain  Relationships  and  Related  Transactions
           --------------------------------------------------

           There has not been, and there is not currently proposed, any
           transaction or series of transactions, to which either the Trust or
           Bank of America, N.A. Inc., as Servicer, is a party with any
           Noteholder or any member of the immediate family of any such
           Noteholder who, to the knowledge of the Servicer, owns of record or
           beneficially  more  than  five  percent  of  the  Notes.

PART  IV
--------

Item  14.  Exhibits,  Financial  Statement  Schedules,  and  Reports on Form 8-K
           ---------------------------------------------------------------------

           (a)     1.     Not  applicable.
                   2.     Not  applicable.
                   3.     Exhibits:
                          99.1  Annual  Statement  as  to  Compliance


                              Page  3


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           (b)     Reports  on  Form  8-K.

                   Barnett  Auto Trust 1997-A filed a Current Report on Form
                   8-K pursuant to Items 5 and 7 for the following monthly
                   distribution dates during 1999, including the Servicer's
                   Certificate for each due period provided to US Bank National
                   Association, as Indenture Trustee, and Bank of New York
                   (Delaware),  as  Owner  Trustee.

                           Date of Reports on Form 8-K
                           ---------------------------
                                January 15, 1999
                                February 15, 1999
                                 March 15, 1999
                                 April 15, 1999
                                  May 15, 1999
                                  June 15, 1999
                                  July 15, 1999
                                 August 16, 1999
                               September 15, 1999
                                October 15, 1999
                               November 15, 1999
                                December 15, 1999

           (c)     The exhibits filed as part of this report are listed in the
                   Index to Exhibits on page 6.

           (d)     Not  applicable.



                                     Page 4

<PAGE>

                                    SIGNATURE


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


                    Barnett  Auto  Trust  1997-A

                    By:  /s/  Jill  B.  Stewart
                         ----------------------

                    Jill  B.  Stewart
                    Senior  Vice  President
                    Bank  of  America,  N.A.
                    (Duly  Authorized  Officer)


                    Date:  March  30,  2000



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