<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT


                       Pursuant to Section 13 or 15(d) of
                       The Securities Exchange Act of 1934


Date of Report (Date of earliest event reported):             SEPTEMBER 20, 2000
                                                              ------------------

                       BANC ONE AUTO GRANTOR TRUST 1997-B
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                    (Issuer with respect to the Certificates)


                              BANK ONE, TEXAS, N.A.
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             (Exact name of registrant as specified in its charter)


                                  UNITED STATES
                                  -------------
         (State or other jurisdiction of incorporation or organization)


           333-38681                                  75-2270994
           ---------                                  ----------
   (Commission File Number)              (IRS Employer Identification Number)


1717  MAIN STREET, DALLAS, TEXAS                                        75201
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(Address of principal executive offices)                              (Zip Code)


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

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ITEM 5.           OTHER EVENTS

                  On September 20, 2000, the Banc One Auto Grantor Trust 1997-B
                  (the "Trust") made a regular monthly distribution of principal
                  and/or interest to holders of the Trust's Class A 6.29% Asset
                  Backed Certificates and Class B 6.46% Asset Backed
                  Certificates. Exhibit 99.1 of this Form 8-K, the Monthly
                  Statement and certain additional information, was distributed
                  to the Certificateholders of record.

                  This report on Form 8-K is being filed in accordance with a
                  no-action letter dated August 16, 1995 issued by the staff of
                  the Division of Corporate 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, the Trust is hereby filing the Monthly
                  Statement and certain additional information reflecting the
                  Trust's activities for the Interest Period from August 21,
                  2000 through September 19, 2000 and for the Collection Period
                  from August 1, 2000 through August 31, 2000.

ITEM 7.           EXHIBITS

                  See page 4 for Exhibit Index.

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                                    SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                    BANC ONE AUTO GRANTOR TRUST 1997-B

                                    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



Date:  September 20, 2000
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EXHIBIT INDEX

<TABLE>
<CAPTION>
Exhibit           Description                                               Page
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<S>               <C>                                                       <C>
99.1              Monthly Statement and Additional Information..............5-13
</TABLE>