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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

                        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.)

                    150 East Campus View, 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
                                              ---    ---

         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.

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                                     Page 1
<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 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, 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 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 2
<PAGE>



                  The records of DTC indicate that, at December 31, 1998, there
                  were: (i) thirty-six (36) DTC Participants holding a position
                  in the 6.27% Class A Asset Backed Certificates, Series 1997-A;
                  and (ii) three (3) DTC Participants 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
                  -------------------------

                  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.


                                     Page 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.








                                     Page 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 eight (8) 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>
6.27% Class A Asset     Bank of New York (The)               $80,130              10.77%
Backed Certificates     925 Patterson Plank Road
Series 1997-A           Secaucus, NJ  07094

                        Boston Safe Deposit and Trust       $100,077              13.45%
                        Company
                        c/o Mellon Bank N.A.
                        Three Mellon Bank Center
                        Room 153-3015
                        Pittsburgh, PA 15259

                        Chase Manhattan Bank                $219,433              29.48%
                        4 New York Plaza, 13th Floor
                        New York, NY 10004

                        Citibank, N.A.                       $50,000               6.72%
                        P.O. Box 30576
                        Tampa, FL  33630-3576

                        State Street Bank and Trust          $99,300              13.34%
                        Company
                        Global Corp. Action Dept. JAB5W
                        P.O. Box 1631
                        Boston, MA 02105-1631
</TABLE>



                                     Page 5
<PAGE>

<TABLE>
<S>                     <C>                                 <C>                   <C>
6.40% Class B           Bank of New York (The)               $20,000              35.70%
Asset Backed            925 Patterson Plank Road
Certificates            Secaucus, NJ  07094
Series 1997-A

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

                        SSB - Bank Portfolio                 $25,000              44.63%
                        225 Franklin Street
                        Boston, MA  02110
</TABLE>

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

                  None.



                                     Page 6
<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 20, 1998         5 and 7
                           March 20, 1998            5 and 7
                           April 20, 1998            5 and 7
                           May 20, 1998              5 and 7
                           June 22, 1998             5 and 7
                           July 20, 1998             5 and 7
                           August 20, 1998           5 and 7
                           September 21, 1998        5 and 7
                           October 2, 1998           4 and 7
                           October 20, 1998          5 and 7
                           November 20, 1998         5 and 7
                           December 21, 1998         5 and 7
                           January 20, 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




                                     Page 7
<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 1997-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.







                                     Page 8
<PAGE>


                                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
                  Arthur Andersen LLP on Management's
                  Assertions










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