<PAGE>

                       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, 1998

                       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, 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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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
---------

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
--------

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  1998, 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, 1998
                                February 17, 1998
                                 March 16, 1998
                                 April 15, 1998
                                  May 15, 1998
                                  June 15, 1998
                                  July 15, 1998
                                 August 17, 1998
                               September 15, 1998
                                October 15, 1998
                                November 16, 1998
                                December 15, 1998

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

     (d)     Not  applicable.


<PAGE>
                                    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/  SUZANNE  CASTLEBERRY
                         --------------------------

                    Suzanne  Castleberry
                    Vice  President
                    NationsBank,  N.A.
                    (Duly  Authorized  Officer)


                    Date:  March  31,  1999