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, 2001

                       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)  388-2738

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.

<PAGE>

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.
<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  chedules,  and  Reports on Form 8-K
             -------------------------------------------------------------------

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

             (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 2001, 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 16, 2001
                                February 15, 2001
                                 March 15, 2001
                                 April 16, 2001
                                  May 15, 2001
                                  June 15, 2001
                                  July 16, 2001
                                 August 15, 2001
                               September 17, 2001
                                October 16, 2001
                                November 15, 2001
                                December 17, 2001

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

             (d)     Not  applicable.

<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/  Rhonda  Nantz
                         ------------------

                              Rhonda  Nantz
                              Vice  President
                              Bank  of  America,  N.A.
                              (Duly  Authorized  Officer)


                    Date:  March  29,  2002
                           ----------------

<PAGE>
                                INDEX TO EXHIBITS




Exhibit  No.                Description  of  Exhibit

99.1                        Annual  Statement  as  to Compliance
<PAGE>

                                                                    Exhibit 99.1


                        Annual Statement as to Compliance

                              Bank of America, N.A.

                            Barnett Auto Trust 1997-A
                            -------------------------

     This  Officer's  Certificate is executed pursuant to the Sale and Servicing
Agreement  dated as of September 1, 1997 (the "Agreement"), between Barnett Auto
Trust 1997-A, as Issuer, and Barnett Dealer Financial Services, Inc., as Sponsor
and  Servicer.  Barnett  Dealer Financial Services, Inc. was merged into Bank of
America,  N.A.  and  Bank  of America, N.A. assumed the obligations of Servicer.
The  undersigned,  a duly authorized representative of the Servicer, does hereby
certify  that:


1.     Capitalized  terms  used  in  this  Officer's  Certificate  have  their
       respective  meanings  set  forth  in  the  Agreement.

2.     Bank  of  America,  N.A.  is as of the date hereof the Servicer under the
       Agreement.

3.     The  undersigned  is duly authorized pursuant to the Agreement to execute
       and  deliver  this  Officer's  Certificate  to  the  Trustee.

4.     The  certificate  is delivered pursuant to Section 4.10 of the Agreement.

5.     A review of the activities of the Servicer during the calendar year ended
       December  31, 2001,  and of its performance under the Agreement was made
       under  my  supervision.

6.     Based on such review, to the best of my knowledge, the Servicer has fully
       performed  all  its  obligations  under  the  Agreement  throughout such
       calendar  year, and  no event which, with the giving of notice or passage
       of time  or  both,  would  constitute  a  default  by  the  Servicer  has
       occurred  or  is  continuing.


IN  WITNESS WHEREOF, the undersigned, a duly authorized officer of the Servicer,
has  duly  executed  this  Officer's  Certificate this  29th day of March, 2002.



                              By:  /s/  Rhonda  Nantz
                                        -------------
                                        Rhonda  Nantz
                                        Vice  President