<PAGE>


                                                                  Exhibit 99.1
                                                                   Page 1 of 2



                        REPORT OF INDEPENDENT ACCOUNTANTS


March  29,  1999

To  the  Board  of  Directors  of  NationsBank,  N.A.

We  have  examined  management's  assertion about NationsBank, N.A.'s, a 
wholly-owned subsidiary of BankAmerica corporation, compliance with the
minimum servicing standards I-1, I-3, II-1 through II-4 (except as defined by
section 5.02 of the Sale and Servicing Agreement dated September 1,1995 ("the
Agreement"), III-1, III-2, III-5, III-6, IV-1, V-1, VI-1 and VII-1 as identified
in the Mortgage Bankers Association of America's Uniform Single Attestation
                                                 --------------------------
Program for Mortgage Bankers ("USAP") as applicable to the Agreement, as of and
----------------------------
for the year ended December 31, 1998 included in the accompanying management
assertion for the Boatmen's Auto Trust 1995-A securitization.  Management is
responsible for NationsBank, N.A.'s compliance with those minimum servicing
standards.  Our responsibility is to express an opinion on management's
assertion  about the entity's compliance based on our examination.

Our  examination  was  made  in  accordance  with  standards  established by the
American  Institute  of  Certified Public Accountants and, accordingly, included
examining,  on  a test basis, evidence about NationsBank, N.A.'s compliance with
the  aforementioned  minimum  servicing  standards  and  performing  such  other
procedures as we considered necessary in the circumstances.  We believe that our
examination  provides  a reasonable basis for our opinion.  Our examination does
not  provide  a  legal  determination on NationsBank, N.A.'s compliance with the
minimum  servicing  standards.

In  our opinion, management's assertion that NationsBank, N.A. complied with the
aforementioned minimum servicing standards as of and for the year ended December
31,  1998  is  fairly  stated,  in  all  material  respects.


/s/  Price  Waterhouse  Coopers  LLP
------------------------------------
Price  Waterhouse  Coopers  LLP

<PAGE>
                                                                    Exhibit 99.1
                                                                     Page 2 of 2




March  29,  1999

PricewaterhouseCoopers  LLP
Bank  of  America  Corporate  Center
100  North  Tryon  Street,  Suite  5400
Charlotte,  North  Carolina  28202

Ladies  and  Gentlemen

As  of  and  for  the  year  ended  December  31,  1998,  NationsBank,  N.A.,  a
wholly-owned subsidiary of BankAmerica Corporation, has complied in all material
respects  with  the  minimum  servicing  standards  I-1,  I-3, II-1 through II-4
(except  as  defined  by  section 5.02 of the Sale and Servicing Agreement dated
September  1,  1995  ("the  Agreement")), III-1, III-2, III-5, III-6, IV-1, V-1,
VI-1  and  VII-1  set  forth  in  the  Mortgage Bankers Association of America's
Uniform  Single  Attestation  Program for Mortgage Bankers, as applicable to the
----------------------------------------------------------
Agreement,  for  the  Boatmen's Auto Trust 1995-A securitization.  As of and for
this  same  period,  BankAmerica  Corporation  had in effect a fidelity bond and
errors  and  omissions  policy  in  the  amount  of  $220  million.




 /s/  LESLIE  J.  FITZPATRICK     /s/  JOHN  W.  BROTHERS
-----------------------------     -----------------------
Leslie  J.  Fitzpatrick           John  W.  Brothers
Senior  Vice  President           Senior  Vice  President


 /s/  RUTH  S.  QUEEN            /s/  THOMAS  C.  BOWERS
---------------------            ------------------------
Ruth  S.  Queen                  Thomas  C.  Bowers
Senior  Vice  President          Senior  Vice  President

/s/  SUZANNE  W.  CASTLEBERRY     /s/  WILLIAM  K.  KINYUA
-----------------------------     ------------------------
Suzanne  W.  Castleberry          William  K.  Kinyua
Vice  President                   Vice  President


<PAGE>


                                                                   Exhibit 99.2

                        Annual Statement as to Compliance

                                NationsBank, N.A.

                           Boatmen's Auto Trust 1995-A
                           ---------------------------

     This  Officer's Certificate is executed  pursuant to the Sale and Servicing
Agreement  dated  as  of September 1, 1995 (the "Agreement"), between Boatmen' s
Auto  Trust 1995-A, as Issuer,  and The Boatmen's National Bank of St. Louis, as
Seller  and  Servicer.  The Boatmen's National Bank of St. Louis was merged into
NationsBank,  N.A.  and  NationsBank,  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.     NationsBank,  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, 1998, 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  31st day of March, 1999.



                              By:  /s/  SUZANNE  CASTLEBERRY
                                        --------------------
                              Suzanne  Castleberry
                              Vice  President