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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, 1996

                         Commission file number 33-95450
                                        
                           Boatmen's Auto Trust 1995-A
                           ---------------------------
             (Exact name of registrant as specified in its charter)
                                        
United States of America                             43-6617959
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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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     Boatmen's Auto Trust 1995-A (the "Trust") was established pursuant to a
Trust Agreement dated as of September 1, 1995 among The Boatmen's National Bank
of St. Louis, a national banking corporation (the "Servicer"), BNB Auto, Inc., a
Delaware corporation and wholly-owned subsidiary of the Servicer, and The Chase
Manhattan Bank (USA), a Delaware banking corporation, as owner trustee.
Subsequent to the merger of The Chase Manhattan Bank and Chemical Bank, The Bank
of New York (Delaware) became the owner trustee effective September 26, 1996
(the "Owner Trustee").  Pursuant to a Sales and Servicing Agreement dated as of
September 1, 1995 with the Servicer (the "Sales and Servicing Agreement"), on
September 27, 1995 the Servicer sold to the Trust, and agreed to service on
behalf of the Trust, a pool of motor vehicle retail installment sale contracts
and simple interest loan note and security agreements.  The Trust is also party
to an Indenture dated as of September 1, 1995 between the Trust and Chemical
Bank, a New York banking corporation, as indenture trustee related to the notes
described below.  Subsequent to the merger of The Chase Manhattan Bank and
Chemical Bank, The Chase Manhattan Bank continued as indenture trustee, (the
"Indenture Trustee").  Also on September 27, 1995, the Trust issued asset backed
notes and asset backed certificates consisting of $85,300,000 of Class A-1
5.7725% Asset Backed Notes; $104,427,000 of Class A-2 5.90% Asset Backed Notes;
$101,576,574 of Class A-3 6.10% Asset Backed Notes (said notes are collectively
referred to herein as the "Notes"); and $12,137,649 of 6.35% Asset Backed
Certificates (the "Certificates").

     The property of the Trust includes the pool of motor vehicle retail
installment sale contracts and simple interest loan note and security agreements
secured by the new and used automobiles and light trucks financed thereby (the
"Receivables") which were acquired from the Servicer.  The property of the Trust
also includes (i) certain monies due under the Receivables on and after
September 1, 1995, (ii) security interests in the vehicles financed by the
Receivables, (iii) certain accounts and the proceeds thereof, (iv) any proceeds
from claims on certain insurance policies, and (v) certain rights under the
Sales and Servicing Agreement.

     Selected information regarding the Receivables, including the number and
aggregate principal amount of  delinquent Receivables, and information relating
to the delinquency rates and net losses on the Receivables at and for the year
ending December 31, 1996, is set forth in Tables 1 and 2 below:

     Table 1.  Selected Information Related to the Receivables.

     Original Pool Balance as of September 1, 1995............... $303,441,223
     Pool Balance Factor as of September 1, 1995......................... 1.00
     Pool Balance as of December 31, 1996........................ $134,594,566
     Pool Balance Factor as of December 31, 1996......................... 0.44
     Net losses for the year ending December 31, 1996...............$1,082,654

     Table 2. Delinquency Experience of Receivables as of December 31, 1996.

                                        
                           Dollar Amount       As % of      No. of Units
                                             Receivables
                                                    
Outstandings                $134,594,566        100%            21,027
                                                    
Delinquencies 30-59 days      $2,759 438       2.05%               390
Delinquencies 60-89 days        $615,322        .46%                92
Delinquencies 90 days or more   $315,961        .23%                48
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Item 3.   Legal Proceedings
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     There are no material pending legal proceedings with respect to the Trust,
involving the Trust, the Indenture Trustee and the Owner Trustee (collectively,
the "Trustees"), or the Servicer, other than ordinary or 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
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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 or the Certificates.

     (b)  Holders.  Since each of the Notes and Certificates was issued in book
          entry form only, there is only one holder of record of each Series of
          Notes and Certificates.  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
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          None.

PART III
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Item 10.  Directors and Executive Officers of the Registrant
          --------------------------------------------------
          Not applicable.

Item 11.  Executive Compensation
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          Not applicable.

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

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     The Certificates are represented by The Bank of New York, who is the sole
holder of record of the Certificates, which it holds on behalf of brokers,
dealers, banks and other participants.  Such participants may hold
Certificates for their own accounts or for the accounts of their customers.
The address of The Bank of New York is:

                            The Bank of New York
                            101 Barclay Street
                            Floor 12 East
                            New York, New York 10286
                            Attention:  Asset Backed Finance Unit

Item 13.  Certain Relationships and Related Transactions
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     There has not been, and there is not currently proposed, any transaction or
series of transactions to which either the Trust or the Servicer is a party
with any Noteholder or Certificateholder or any member of the immediate family
of any such Noteholder or Certificateholder who, to the knowledge of the 
Servicer, owns of record or beneficially more than five percent of the Notes or 
Certificates.

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 Independent Certified Public Accountants' Report.
             99.2  Annual Statement as to Compliance.

     (b)  Reports on Form 8-K.
          As Servicer and on behalf of the Boatmen's Auto Trust 1995-A, The
Boatmen's National Bank of St. Louis filed a Current Report on Form 8-K
pursuant to Items 5 and 7 for the following monthly distribution dates
during 1996, including the Servicer's Certificate for each due period
provided to the Indenture Trustee and the Owner Trustee.
                                        
                          Dates of Reports on Form 8-K
                                January 16, 1996
                                February 15, 1996
                                 March 15, 1996
                                 April 15, 1996
                                  May 15, 1996
                                  June 17, 1996
                                  July 15, 1996
                                 August 15, 1996
                               September 16, 1996
                                October 15, 1996
                                November 15, 1996
                                December 16, 1996

     (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.


                            Boatmen's Auto Trust 1995-A

                            By: /s/ Richard E. Grimmer
                                ----------------------
                            Richard E. Grimmer
                            Senior Vice President & Controller
                            The Boatmen's National Bank of St. Louis
                            (Duly Authorized Officer)


                            Date: March 26, 1997
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                                INDEX TO EXHIBITS
                                        
                                        
Exhibit No.                     Description of Exhibit

99.1                 Annual Independent Certified Public Accountants' Report

99.2                 Annual Statement as to Compliance