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                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                             ______________________
                                        
                                   FORM 10-K/A
                                 AMENDMENT NO. 1
                  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
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                           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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                                    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 amendment
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 28, 1997

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                                INDEX TO EXHIBITS
                                        
                                        
                                        
Exhibit No.                     Description of Exhibit
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99.1                   Annual Independent Certified Public Accountants' Report

99.2                   Annual Statement as to Compliance *

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*    Previously filed on March 26, 1997 with the registrant's Annual Report on
Form 10-K for the           fiscal year ended December 31, 1996.
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