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, 1999

                       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.)

Interstate Tower, 121 West Trade Street, 14th Floor, Charlotte, North Carolina
--------------------------------------------------------------------------------
28255-0001
----------
(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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<PAGE>
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 Bank of America, 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
---------

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

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

                    Page  2

<PAGE>

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 issued in definitive form. Bankers Trust, 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
           Bank of America, 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
--------

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

                              Page  3


           (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 1999, 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, 1999
                                February 15, 1999
                                 March 15, 1999
                                 April 15, 1999
                                  May 17, 1999
                                  June 15, 1999
                                  July 15, 1999
                                 August 16, 1999
                               September 15, 1999
                                October 15, 1999
                                November 15, 1999
                                December 15, 1999

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

           (d)     Not  applicable.

                                     Page 4

                                    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/  Jill  Stewart
                         -------------------
                              Jill  Stewart
                              Senior  Vice  President
                              NationsBank,  N.A.
                              (Duly  Authorized  Officer)


                              Date:  March  30,  2000


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