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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, 1998

                         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
---------------------------                    ----------
(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)  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
             --------
     Not  applicable.

Item  2.     Properties
             ----------
     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").

     Subsequent  to  the  purchase  of Boatmen's Bancshares, Inc. by NationsBank
Corporation  on  January  7,  1997, The Boatmen's National Bank of St. Louis was
merged  into  NationsBank,  N.A.  and  NationsBank,  N.A. became Servicer of the
loans.

     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,  1998,  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,  1998                  $17,834,938
     Pool  Balance  Factor  as  of  December  31,  1998                 0.06
     Net  losses  for  the  year  ending  December  31,  1998       $254,873


<PAGE>

     Table  2.  Delinquency  Experience  of Receivables as of December 31, 1998.


                            DOLLAR AMOUNT    AS % OF RECEIVABLES   NO. OF UNITS
OUTSTANDINGS                  $17,834,938            100%              5,759

Delinquencies 30-59 days         $677,633           3.80%                185
Delinquencies 60-89 days         $164,998           0.93%                 42
Delinquencies 90 days or more     $57,043           0.32%                 16

Item  3.     Legal  Proceedings
             ------------------
     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  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  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
             -------------------
             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


     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
           --------------------------------------------------

     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
--------

Item  14.  Exhibits,  Financial  Statement  Schedules,  and  Reports on Form 8-K
           ---------------------------------------------------------------------

     (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  and  NationsBank, N.A., as successor,  
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 the Indenture Trustee and the Owner Trustee.


<PAGE>

                          Dates of Reports on Form 8-K
                          ----------------------------
                                January 15, 1998
                                February 17, 1998
                                 March 16, 1998
                                 April 15, 1998
                                  May 15, 1998
                                  June 15, 1998
                                  July 15, 1998
                                 August 17, 1998
                               September 15, 1998
                                October 15, 1998
                                November 16, 1998
                                December 15, 1998


     (c)     The  exhibits  filed as part of this report are listed in the Index
             to  Exhibits  on  page  7.

     (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.


                    Boatmen's  Auto  Trust  1995-A

                    By:  /s/  SUZANNE  CASTLEBERRY  .
                         ---  -----------------------

                              Suzanne  Castleberry
                              Vice  President
                              NationsBank,  N.A.
                              (Duly  Authorized  Officer)


                              Date:  March  31,  1999