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                       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, 1997

                       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
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(State or other jurisdiction                   (IRS Employer
of incorporation or organization)              Identification No.)

TransAmerica Square, 401 N. Tryon Street, Charlotte, North Carolina   28255
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(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
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Item 1.   Business
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          Not applicable.

Item 2.   Properties
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          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 
          Barnett Dealer Financial Services, Inc., 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
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          (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
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                    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
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Item 10.  Directors and Executive Officers of the Registrant
          --------------------------------------------------
                    Not applicable.

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

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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
          Barnett Dealer Financial Services, 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
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Item 14.  Exhibits, Financial Statement Schedules, and Reports on Form 8-K
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          (a)  1. Not applicable.
               2. Not applicable.
               3. Exhibits:
                  99.1  Annual Statement as to Compliance
                  99.2  Report of Independent Accountants

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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 1998, 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
                           ----------------------------
                                October 15, 1997
                                November 17, 1997
                                December 15, 1997
                                January 15, 1998
                                February 17, 1998
                                 March 16, 1998
                                        
          (c)  The exhibits filed as part of this report are listed in the 
               Index to Exhibits on page 6.

          (d)  Not applicable.
                                        
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                                    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/ Pat Doran
                                -------------

                            Pat Doran
                            President
                            Barnett Dealer Financial Services, Inc.
                            (Duly Authorized Officer)


                            Date: May 5, 1998