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                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                             ______________________

                                    FORM 10-K
                  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES  EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 1997

                       Commission file number 333-03557-03
                                              ------------

                       NationsBank Auto Owner Trust 1996-A
                       -----------------------------------
             (Exact name of registrant as specified in its charter)

United States of America                     56-6486468
------------------------                     ----------
(State or other jurisdiction                 (IRS Employer
of incorporation or organization)            Identification No.)

TransAmerica Square, 401 N. Tryon Street, Charlotte, North Carolina      28255
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(Address of principal executive offices)                            (Zip Code)

Registrant's telephone number, including area code            (704) 386-5000

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 [  ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to
this Form 10-K. [X]

State the aggregate market value of the voting stock held by non-affiliates of
the registrant.   None.

Indicate the number of shares outstanding of the registrant's classes of
common stock, as of the latest practicable date.  None.

Documents Incorporated by Reference.  None.


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PART I
------

Item 1.   Business
          --------
          Not applicable.

Item 2.   Properties
          ----------
          Not applicable.

Item 3.   Legal Proceedings
          -----------------
          There are no material pending legal proceedings with respect to
          NationsBank Auto Owner Trust 1996-A (the "Trust") involving the
          Trust, The Chase Manhattan Bank, as Indenture Trustee, and Bankers
          Trust (Delaware), as Owner Trustee (collectively, the "Trustees"),
          or NationsBank, N.A., as Servicer, other than ordinary  routine
          litigation incidental to the Trust assets or the Trustees' or the
          Servicer's duties under the applicable Sales and Servicing
          Agreement.

Item 4.   Submission of Matters to a Vote of Security Holders
          ---------------------------------------------------
          None.

PART II

Item 5.   Market for the Registrant's Common Equity and Related Stockholder
          -----------------------------------------------------------------
          Matters
          -------
         (a)  Market Information.  There is no established public trading
              market for the Notes or the Certificates.

         (b)  Holders.  Since each of the Notes and Certificates was issued in
              book entry form only, there is only one holder of record of
              each Series of Notes and Certificates.  See Item 12 below.

         (c)  Dividends.  Not applicable.

Item 6.   Selected Financial Data
          -----------------------
              Not applicable.

Item 7.   Management's Discussion and Analysis of Financial Condition and
          ---------------------------------------------------------------
          Results of Operations
          ---------------------
              Not applicable.

Item 8.   Financial Statements and Supplementary Data
          -------------------------------------------
              Not applicable.

Item 9.   Changes in and Disagreements with Accountants on Accounting and
          ---------------------------------------------------------------
          Financial Disclosure
          --------------------
              None.

PART III
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Item 10.  Directors and Executive Officers of the Registrant
          --------------------------------------------------
              Not applicable.

Item 11.  Executive Compensation
          ----------------------
              Not applicable.



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Item 12.  Security Ownership of Certain Beneficial Owners and Management
          --------------------------------------------------------------
          The Notes are represented by one or more notes registered in the
          name of Cede & Co., the nominee of The Depository Trust Company
          ("DTC").  An investor holding an interest in the Trust is not
          entitled to receive a note representing such interest except in
          limited circumstances. Accordingly, Cede & Co. is the sole holder of
          record of the Notes, which it holds on behalf of brokers, dealers,
          banks and other participants in the DTC system.  Such participants
          may hold notes for their own accounts or for the accounts of their
          customers. The address of Cede & Co. is:
                            Cede & Co.
                            c/o The Depository Trust Company
                            Attention:  Proxy Department
                            Seven Hanover Square
                            New York, New York  10004

          The Certificates are represented by Bankers Trust, who is the sole
          holder of record of the Certificates, which it holds on behalf of
          brokers, dealers, banks and other participants. Such participants
          may hold Certificates for their own accounts or for the accounts of
          their customers. The address of Bankers Trust is:
                            Bankers Trust
                            Four Albany Street
                            9th Floor
                            New York, New York 10006
                            Attention:  Corporate Trust and Agency Group

Item 13.  Certain Relationships and Related Transactions
          ----------------------------------------------
          There has not been, and there is not currently proposed, any
          transaction or series of transactions, to which either the Trust or
          NationsBank, N.A., as Servicer, is a party with any Noteholder or
          Certificateholder or any member of the immediate family of any such
          Noteholder or Certificateholder who, to the knowledge of the
          Servicer, owns of record or beneficially more than five percent of
          the Notes or Certificates.

PART IV
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Item 14.  Exhibits, Financial Statement Schedules, and Reports on Form 8-K
          ----------------------------------------------------------------
          (a)  1. Not applicable.
               2. Not applicable.
               3. Exhibits:
               99.1  Annual Statement as to Compliance
               99.2  Report of Independent Accountants



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         (b)  Reports on Form 8-K.

              NationsBank Auto Owner Trust 1996-A filed a Current Report on
              Form 8-K pursuant to Items 5 and 7 for the following monthly
              distribution dates during 1997, including the Servicer's
              Certificate for each due period provided to The Chase Manhattan
              Bank, as Indenture Trustee, and Bankers Trust (Delaware), as
              Owner Trustee.

                           Date of Reports on Form 8-K
                           ---------------------------
                                January 15, 1997
                                February 18, 1997
                                 March 17, 1997
                                 April 15, 1997
                                  May 15, 1997
                                  June 16, 1997
                                  July 15, 1997
                                 August 15, 1997
                               September 15, 1997
                                October 15, 1997
                                November 17, 1997
                                December 15, 1997

         (c)  The exhibits filed as part of this report are listed in the
              Index to Exhibits on page 6.

         (d)  Not applicable.



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                                  SIGNATURE


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


                                 NationsBank Auto Owner Trust 1996-A

                                 By: \s\ Leslie J. Fitzpatrick
                                     -------------------------
                                 Leslie J. Fitzpatrick
                                 Senior Vice President
                                 NationsBank, N.A.
                                 (Duly Authorized Officer)


                                 Date: March  20, 1998