<PAGE>
                                                                  Exhibit 99.1


                         Independent Accountants' Report


Board of Directors
The Boatmen's National Bank of St. Louis

We have examined management's assertion that The Boatmen's National Bank of St.
Louis (the  Bank) maintained effective internal control over the functions
performed as servicer of the Boatmen's Auto Trust 1995-A and 1996-A (the Trust)
as of December 31, 1996.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
obtaining an understanding of internal control over the functions performed by
the Bank as servicer of the Trust, testing and evaluating the design and
operating effectiveness of the internal control, and such other procedures as we
consider necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion.

Because of inherent limitations in any internal control, errors or
irregularities may occur and not be detected.  Also, projections of any
evaluation of the internal control over the functions performed by the Bank as
servicer of the Trust to future periods are subject to the risk that the
internal control may become inadequate because of changes in conditions or that
the degree of compliance with the policies or procedures may deteriorate.

In our opinion, management's assertion that The Boatmen's National Bank of St.
Louis maintained effective internal control over the functions performed as
servicer of the Trust as of December 31, 1996 is fairly stated, in all material
respects, based upon the criteria established in "Internal Control - Integrated
Framework" published by the Committee of Sponsoring Organizations of the
Treadway Commission.


                                   /s/ Ernst & Young LLP
                                   ---------------------

St. Louis, Missouri
February 17, 1997
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                                                                  Exhibit 99.1
                                        
                                        
                              Report of Management


Management is responsible for establishing and maintaining effective internal
control over the functions performed as servicer of the Boatmen's Auto Trust
1995-A and 1996-A (the Trust). The system contains monitoring mechanisms, and
actions are taken to correct deficiencies identified.

There are inherent limitations in the effectiveness of any internal control
including the possibility of human error and the circumvention or overriding  of
controls.  Accordingly, even effective internal control can provide only
reasonable assurance with respect to the functions performed as servicer of the
Trust.  Further, because of changes in conditions, the effectiveness of internal
control may vary over time.

Management assessed The Boatmen's National Bank of St. Louis (the  Bank's)
internal control over the functions performed as servicer of the Trust as of
December  31, 1996. This assessment was based on criteria for effective internal
control described in "Internal Control - Integrated Framework" published by the
Committee of Sponsoring Organizations of the Treadway Commission. Based on this
assessment, management believes that the Bank  maintained  effective internal
control over the functions performed as servicer of the Trust as of December 31,
1996.





/s/ James D. Rudolphi                   /s/ Sarina A. Strack
---------------------                   --------------------     
  James D. Rudolphi                        Sarina A. Strack
Vice President and Manager           Vice President and Controller
 Accounting Services                  Retail Loan Service Center