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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, 1997

                                       OR

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

                        Commission file number: 333-25951

                       Banc One Auto Grantor Trust 1997-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.)

          c/o Bank One, Texas, N.A., as Servicer, 150 East Campus View,
                      Attn: John Jaeger, Columbus, OH 43235
               -------------------------------------------------
               (Address of principal executive offices, zip code)

Registrant's telephone number, including area code:  (614) 248-3718
                                                     --------------
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

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<PAGE>


        The Issuer 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 Issuer 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.




                             Exhibit Index on Page 9
                               Page 2 of 13 Pages.








                                     Page 2
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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 1997-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, 1997 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
               1997.


                                     PART II


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

               Investor 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.


                                     Page 3
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               The records of DTC indicate that, at December 31, 1997, there
               were: (i) thirty-four (34) DTC Participants holding a position in
               the 6.27% Class A Asset Backed Certificates, Series 1997-A; and
               (ii) three (3) DTC Participant holding a position in the 6.40%
               Class B Asset Backed Certificates, Series 1997-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
               -----------------------------------------------------------

               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.



                                     Page 4
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Item 12.       Security Ownership of Certain Beneficial Owners and Management
               --------------------------------------------------------------

               At December 31, 1997, the Certificates were registered in the
               name of Cede & Co., as nominee of DTC. The records of DTC
               indicate that, at December 31, 1997, there were seven (7) DTC
               Participants holding positions in excess of five (5) percent of
               any class of outstanding Certificates. Such persons are described
               in the table below:

                                            Amount and Nature of
                  Name and Address of       Beneficial Ownership      Percent
Title of Class    Beneficial Owners              $(000's)             of Class
--------------    -----------------              --------             --------

6.27% Class A     Boston Safe Deposit               $81,470             10.95%
Asset Backed      and Trust Company
Certificates      c/o Mellon Bank N.A.
Series 1997-A     Three Mellon Bank Center
                  Room 153-3015
                  Pittsburgh, PA 15259

                  Bankers Trust Company/            $83,500             11.22%
                  First Union Cap.
                  Mkt. Clearance
                  Dealer Clearance
                  16th Wall Street, 5th Floor
                  New York, NY 10005

                  Chase Manhattan Bank             $266,400             35.79%
                  4 New York Plaza
                  Proxy Department, 13th Floor
                  New York, NY 10004

                  SSB - Custodian                  $117,350             15.77%
                  Global Corp. Action Dept.
                  JAB5W
                  P.O. Box 1631
                  Boston, MA 02105-1631


                                     Page 5
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6.40% Class B     Bank of New York (The)            $15,000             26.78%
Asset Backed      925 Patterson Plank Road
Certificates      Secaucus, NJ  07094
Series 1997-A

                  Boston Safe Deposit               $11,020             19.67%
                  and Trust Company
                  c/o Mellon Bank N.A.
                  Three Mellon Bank Center
                  Room 153-3015
                  Pittsburgh, PA 15259

                  Chase Manhattan Bank              $30,000             53.55%
                  4 New York Plaza
                  Proxy Department, 13th Floor
                  New York, NY 10004


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

               None.


                                     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 pursuant to Item 5 thereof,
                       containing the monthly statements and other information
                       reflecting the Trust's activities:

                       Dated:                     For the monthly periods ended:
                       ------                     ------------------------------

                       July 21, 1997              June 30, 1997
                       August 20, 1997            July 31, 1997
                       September 22, 1997         August 31, 1997
                       October 17, 1997           September 30, 1997
                       November 20, 1997          October 31, 1997
                       December 22, 1997          November 30, 1997
                       January 20, 1998           December 31, 1997



                                     Page 6
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        (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 Coopers & Lybrand
                        L.L.P. on Management's Assertions








                                     Page 7
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                                    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, 1998

                                     Banc One Auto Grantor Trust 1997-A

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

                                     By:    /s/ John Jaeger
                                            ---------------------------------
                                     Name:  John Jaeger
                                     Title: Assistant 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.









                                     Page 8

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                                INDEX OF EXHIBITS


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

99.1           Annual Servicer's Certificate                              10

99.2           Annual Statement                                           11

99.3           Independent Accountants' Report of                        12-13
               Coopers & Lybrand L.L.P. on Management's
               Assertions









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