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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

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

                                    FORM 10-K

                        FOR ANNUAL AND TRANSITION REPORTS
                     PURSUANT TO SECTIONS 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

(X)  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
     SECURITIES EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 1998

                                       OR

( ) TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
    SECURITIES EXCHANGE ACT OF 1934

                                               333-1092
                       Commission file number: 333-1092-01

                       Banc One Auto Grantor Trust 1996-A
                    -----------------------------------------
                    (Issuer with respect to the Certificates)

                              Bank One, Texas, N.A.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

        United States                                             75-2270994
        -------------                                             ----------
(State or other jurisdiction                                  (I.R.S. Employer
of incorporation or organization)                            Identification No.)

                     1717 Main Street, Dallas, Texas 75201 
               --------------------------------------------------
               (Address of principal executive offices, zip code)

Registrant's telephone number, including area code:  (214) 290-7437
                                                     --------------

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
                                              ---     ---

         The Registrant has no officer, director or beneficial owner of more
than 10% of equity securities to whom Section 16(a) of the Act applies and
consequently Item 405 of Regulation S-K does not apply.

         The Registrant does not have any voting stock, has not been involved in
bankruptcy proceedings during the past five years and is not a corporate
registrant.

         No documents are incorporated by reference into this Form 10-K.

================================================================================


<PAGE>



This Annual Report on Form 10-K is filed in accordance with a no-action letter
dated August 16, 1995 issued by the Office of Chief Counsel, Division of
Corporation Finance of the Securities and Exchange Commission to Bank One,
Texas, N.A., as originator and servicer of Banc One Auto Trust 1995-A.
Consistent with such no-action letter, certain items have been omitted from or
modified in this Annual Report on Form 10-K.


                             PART I
Item 1.   Business
          --------

          Omitted.

Item 2.   Properties
          ----------

          The property of Banc One Auto Grantor Trust 1996-A (the
          "Trust") consists of certain motor vehicle retail installment
          sale contracts secured by new or used automobiles, vans or
          light duty trucks. Information regarding the property of the
          Trust and the activities of Bank One, Texas, N.A., as servicer
          (the "Servicer") during the year ended December 31, 1998 is
          contained in (i) the Annual Servicer's Certificate filed as
          Exhibit 99.1 hereto and (ii) the Annual Statement prepared by
          the Servicer and filed as Exhibit 99.2 hereto.

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

          Nothing to report.

Item 4.   Submission of Matters to a Vote of Security Holders
          ---------------------------------------------------

          No matters were submitted to a vote of security holders during
          1998.


                             PART II

Item 5.   Market for Registrant's Common Equity and Related Stockholder Matters
          ---------------------------------------------------------------------

          Investor Certificates (the "Certificates"), are held and delivered in
          book-entry form through the facilities of the Depository Trust Company
          ("DTC"), a clearing agency registered pursuant to the provisions of
          Section 17A of the Securities Exchange Act of 1934, as amended. The
          Certificates are held by Cede & Co, the nominee of DTC.


                                       2

<PAGE>



          The records of DTC indicate that, at December 31, 1998, there were:
          (i) thirty-five (35) DTC Participants holding a position in the 6.10%
          Class A Asset Backed Certificates, Series 1996-A; and (ii) one (1) DTC
          Participant holding a position in the 6.25% Class B Asset Backed
          Certificates, Series 1996-A. There is no established public market in
          which the Certificates are traded.

Item 6.   Selected Financial Data
          -----------------------

          Omitted.

Item 7.   Management's Discussion and Analysis of Financial Condition and
          ---------------------------------------------------------------
          Results of Operations
          ---------------------

          BANK ONE CORPORATION ("BANK ONE"), the parent corporation of Bank One,
          Texas, N.A. (the "Bank"), continues to execute project plans
          established by its predecessor companies to assure Year 2000
          readiness. Project costs are estimated to reach $350 million over the
          life of the project. Year 2000 costs incurred through year-end 1998
          were approximately $235 million.

          The inventory and assessment phase has been completed for all
          information and non-information technology. At December 31, 1998, 87%
          of BANK ONE's affected information technology applications were tested
          and returned to production. BANK ONE expects that all information
          technology applications, systems and equipment will be Year 2000
          compliant by mid-1999. Ongoing facilities and equipment improvements
          are expected to result in Year 2000 readiness for non-information
          systems technology by mid-1999.

          Year 2000 readiness is highly dependent on external entities and is
          not limited to operating risk. BANK ONE is working extensively with
          external entities to ensure that their systems will be Year 2000
          compliant; however, BANK ONE bears risk and could be adversely
          affected if outside parties, such as customers, vendors, utilities and
          government agencies, do not appropriately address Year 2000 readiness
          issues. In addition, BANK ONE may have increased credit risk related
          to customers whose ability to repay debt is impaired due to Year 2000
          readiness costs or risk or whose collateral becomes impaired due to
          lack of Year 2000 readiness.

          Detailed contingency plans exist for critical business system
          applications to mitigate potential problems or delays associated with
          systems replacements or vendor delivery dates. Critical business
          processes have been identified, and the most reasonable recovery
          strategies have been selected. Contingency plans have been documented
          and validated for effectiveness. BANK ONE will continue to review and
          validate the scope and content of its contingency plans throughout
          1999.
                                       3
<PAGE>

Item 7A.  Quantitative and Qualitative Disclosures About Market Risk
          ----------------------------------------------------------

          Omitted.

Item 8.   Financial Statements and Supplementary Data
          -------------------------------------------

          Omitted.

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

          Omitted.

Item 11.  Executive Compensation
          ----------------------

          Omitted.




                                       4
<PAGE>





Item 12.  Security Ownership of Certain Beneficial Owners and Management
          --------------------------------------------------------------

          At December 31, 1998, the Certificates were registered in the name of
          Cede & Co., as nominee of DTC. The records of DTC indicate that, at
          December 31, 1998, there were four (4) DTC Participants holding
          positions in excess of five (5) percent of any class of outstanding
          Certificates. Such persons are described in the table below:

<TABLE>
<CAPTION>

                                                                 Amount and Nature of
                        Name and Address of                     Beneficial Ownership        Percent of
Title of Class          Beneficial Owners                              $(000's)                Class
--------------          -----------------                              --------                -----
<S>                     <C>                                           <C>                    <C>   
6.10% Class A Asset     Bank of New York (The)                         $99,479                19.38%
Backed Certificates     925 Patterson Plank Road
Series 1996-A           Secaucus, NJ 07094


                        Chase Manhattan Bank                          $220,795                43.01%
                        4 New York Plaza
                        13th Floor
                        New York, NY 10004

                        State Street Bank & Trust Company              $36,046                 7.02%
                        Global Corp. Action Dept. JAB5W
                        P.O. Box 1631
                        Boston, MA  02105-1631

6.25% Class B Asset     Chase Manhattan Bank                           $24,187               100.00%
Backed Certificates     4 New York Plaza
Series 1996-A           13th Floor
                        New York, NY 10004
</TABLE>

Item 13.  Certain Relationships and Related Transactions
          ----------------------------------------------

          None.





                                       5
<PAGE>





                                     PART IV

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

          (b)     Reports on Form 8-K

                  (i)      Reports on Form 8-K containing the monthly statements
                           and other information reflecting the Trust's
                           activities:


                           Dated:                    Items Reported:
                           ------                    ---------------

                           February 16, 1998         5 and 7
                           March 16, 1998            5 and 7
                           April 15, 1998            5 and 7
                           May 15, 1998              5 and 7
                           June 15, 1998             5 and 7
                           July 15, 1998             5 and 7
                           August 17, 1998           5 and 7
                           September 15, 1998        5 and 7
                           October 2, 1998           4 and 7
                           October 15, 1998          5 and 7
                           November 16, 1998         5 and 7
                           December 15, 1998         5 and 7
                           January 15, 1999          5 and 7


          (c)     Exhibits. The following documents are filed as part of this
                  Annual Report on Form 10-K.

                  99.1   Annual Servicer's Certificate
                  99.2   Annual Statement
                  99.3   Independent Accountants' Report of Arthur Andersen
                         LLP on Management's Assertions

                                       6

<PAGE>



                                    SIGNATURE


         Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.


Date:  March 25, 1999


                              Banc One Auto Grantor Trust 1996-A


                              By:      Bank One, Texas, N.A., as Servicer, on
                                       behalf of the Trust

                              By:      /s/ Tracie H. Klein  
                                       ---------------------- 
                              Name:    Tracie H. Klein
                              Title:   Vice President


SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION
15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES PURSUANT TO
SECTION 12 OF THE ACT.

No annual report, proxy statement, form of proxy or other proxy soliciting
material has been sent to Certificateholders during the period covered by this
Annual Report on Form 10-K and the Registrant does not intend to furnish such
materials to Certificateholders subsequent to the filing of this report.

                                       7


<PAGE>




                                INDEX OF EXHIBITS



Exhibit                    Description                           Page
-------                    -----------                           ----

99.1              Annual Servicer's Certificate                    9

99.2              Annual Statement                                10

99.3              Independent Accountants' Report of             11-12
                  Arthur Andersen LLP on Management's
                  Assertions


                                       8