SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                               ------------------

                                    FORM 10-K

                                  ANNUAL REPORT


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



                           CHASE MANHATTAN BANK USA, N.A.
       --------------------------------------------------------------------
                  (Originator of the Trust referred to herein)
             (Exact name of registrant as specified in its charter)




                    CHASE MANHATTAN AUTO GRANTOR TRUST 1996-B
                  --------------------------------------------
                      (Issuer with respect to Certificates)



       for the fiscal year                             333-7575
       year ended December 31, 1996               Commission File Number


         Delaware                                      13-2633612
      ---------------                              ------------------
      (State or other                                (IRS Employer
      jurisdiction of                              Identification No.)
      incorporation)


      802 Delaware Avenue, Wilmington, Delaware           19801
      -------------------------------------------       ----------
      (Address of principal executive offices)          (Zip code)


                                (302) 575-5033
                ---------------------------------------------------
                (Registrant's telephone number, including area code)


Securities registered pursuant to Section 12(b) of the Act:  None.
Securities registered pursuant to Section 12(g) of the Act:  None

Indicate  by a 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 voting stock or class of common stock outstanding as of
the date of this report.

Registrant has not been involved in bankruptcy  proceedings during the preceding
five years.


<PAGE>


     Chase Manhattan Auto Grantor Trust 1996-B (the "Trust") was formed
pursuant to a Pooling and Servicing Agreement (the "Agreement") between
Chase Manhattan Bank USA, National Association, as Seller and Servicer, and
an unrelated trustee (the "Trustee").  The Asset Backed Certificates of the
Trust represent the beneficial ownership interest in the Trust.  The Trust
files reports pursuant to Sections 13 and 15(d) of the Securities Exchange Act
of 1934, as amended, in the manner described in "no-action" letters submitted
to the Office of Chief Counsel on behalf of the originators of comparable
trusts.  Accordingly, responses to certain items have been omitted from or
modified in this Annual Report.


                                       PART I

Item 1.    Business.

           Omitted.

Item 2.    Properties.

     The assets of the Trust consist of, among other things, a segregated pool
of simple interest retail installment sales contracts and purchase money loans
(the "Receivables") secured by new and used automobiles and light-duty trucks.
Information  regarding  the  Trust is included in the monthly report to
Certificateholders for the month of December 1996 filed on Form 8-K on
December 23, 1996.

Item 3.    Legal Proceedings.

           The registrant  knows of no material  pending legal  proceedings with
respect to the Trust, involving the Trust, Norwest Bank Minnesota,
National Association (the "Trustee"), Chase Manhattan Bank USA, N.A.
(the "Servicer") or the Registrant.

Item 4.    Submission of Matters to a Vote of Security Holders.

           No matter was  submitted to a vote of  Certificateholders  during the
fiscal year covered by this report.


                                       PART II


Item 5.   Market for Registrant's Common Equity and Related Stockholder Matters.

           To the knowledge of the registrant, the Certificates  are traded in
the over-the-counter market to a limited extent.

           The records of the Trust indicate that as of December 31, 1996, there
was one Certificateholder of record.

Item 6.    Selected Financial Data.

           Omitted.

Item 7.    Management's Discussion and Analysis of
           Financial Condition and Results of Operations.

           Omitted.

Item 8.    Financial Statements and Supplementary Data.

           Omitted.

Item 9.    Changes in and Disagreements with Accountants on
           Accounting and Financial Disclosure.

           None.

<PAGE>

                                      PART III


Item 10.   Directors and Executive Officers of the Registrant.

           Omitted.

Item 11.   Executive Compensation.

           Omitted.

Item 12.   Security Ownership of Certain Beneficial Owners and
           Management.

           As of December 31, 1996, there were seven beneficial owners holding
more than 5% of the Series 1996-B Certificates.


Item 13.   Certain Relationships and Related Transactions.

           Omitted.

                                       PART IV


Item 14.   Exhibits, Financial Statement Schedules, and
           Reports of Form 8-K.


           (a) The  following  documents are filed as part of this Annual Report
on Form 10-K:


Exhibit Number                            Description
--------------                            -----------

    99.1                      Annual Servicer's Certificate for the year
                              ended December 31, 1996.

    99.2                      Annual Statement of Compliance for the year ended
                              December 31, 1996.

    99.3                      Annual  Independent Public Accountant's Servicing
                              Statement for the year ended December 31, 1996.

      (b), (c), (d) Omitted.


<PAGE>


                                     SIGNATURES


                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 31, 1997

                                        CHASE MANHATTAN BANK USA,
                                        NATIONAL ASSOCIATION
                                        As Servicer

                                        By:    /s/ Keith Schuck
                                               ----------------
                                        Name:  Keith Schuck
                                        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>




                                  INDEX TO EXHIBITS
                                  -----------------


         Exhibit Number                  Description
         --------------                  -----------

              99.1              Annual Servicer's Certificate for the
                                year ended December 31, 1996.

              99.2              Annual Statement of Compliance for
                                the year ended December 31, 1996.

              99.2              Annual Independent Public
                                Accountant's Servicing Statement
                                for the year ended December 31, 1996.


<PAGE>

                                                              Exhibit 99.1
                                                              ------------

                        ANNUAL SERVICER'S CERTIFICATE

                        CHASE MANHATTAN BANK USA, N.A.

         ____________________________________________________________

                     Chase Manhattan Grantor Trust 1996-B
         ___________________________________________________________

            The  undersigned,   a  duly  authorized  representative  of  Chase
Manhattan Bank USA, N.A.  ("Chase USA"),  as Servicer  pursuant to the Pooling
and  Servicing  Agreement  dated as of  September  1, 1996 (the  "Pooling  and
Servicing  Agreement")  by and between  Chase USA and Norwest Bank  Minnesota,
National Association, as trustee (the "Trustee"), does hereby certify that:

            1.    A  review  of the  activities  of the  Servicer  during  the
      period from  September  1, 1996 until  December  31, 1996 was  conducted
      under my supervision.

            2.    Based on such review,  the  Servicer  has, to the best of my
      knowledge,  fully performed in all material respects all its obligations
      under the Pooling and Servicing Agreement  throughout such period and no
      material  default in the performance of such obligations has occurred or
      is continuing except as set forth in paragraph 3 below.

            3.    None

            IN  WITNESS  WHEREOF,  the  undersigned  has  duly  executed  this
certificate this 27th day of March 1997.

                                    /s/  Keith Schuck
                                         ------------
                                         Keith Shuck
                                         Vice President


<PAGE>

                                                                 Exhibit 99.2
                                                                 ------------

                     Letterhead of The Chase Manhattan Bank


Chase Manhattan Bank USA, N.A.
Wilmington, DE

March 27, 1997


Management Report on Internal Control Over Servicing of Securitized
Automobile Financing Receivables


            Management of Chase Manhattan Bank USA, N.A. is responsible for
establishing and maintaining an effective system of internal control over
servicing of securitized automobile financing receivables, which is designed
to provide reasonable assurance regarding the proper servicing of securitized
automobile financing receivables.  The system contains self-monitoring
mechanisms, and actions are taken to correct deficiencies as they are
identified.

            There are inherent limitations in the effectiveness of any system
of internal control, including the possibility of human error and the
circumvention or overriding of controls.  Accordingly, even an effective
internal control system can provide only reasonable assurance with respect to
servicing of securitized automobile financing receivables.  Further, because
of changes in conditions, the effectiveness of an internal control system may
vary over time.

            Management of  Chase Manhattan Bank USA, N.A. assessed its system
of internal control over servicing of securitized automobile financing
receivables as of December 31, 1996 in relation to criteria for effective
internal control described in "Internal Control - Integrated Framework"
issued by the Committee of Sponsoring Organizations of the Treadway
Commission.  Based on this assessment, management believes that, as of
December 31, 1996, Chase Manhattan Bank USA, N.A. maintained an effective
system of internal control over servicing of securitized automobile financing
receivables.


                                    /s/Keith Schuck
                                    Keith Schuck
                                    Vice President
                                    Chase Manhattan Bank USA, N.A.

<PAGE>

                                                            Exhibit 99.3
                                                            ------------


Letterhead of Price Waterhouse LLP        1177 Avenue of the Americas
                                          New York, NY  10036
                                          Telephone 212-596-7000
                                          Facsimile 212-596-8910

Report of Independent Accountants

March 27, 1997

To the Board of Directors of
The Chase Manhattan Bank USA, N.A.

We have examined management's assertion that, as of December 31, 1996, The
Chase Manhattan Bank USA, N.A. maintained an effective system of internal
control over servicing of securitized automobile financing receivables,
included in the accompanying Management Report on Internal Control Over
Servicing of Securitized Automobile Financing Receivables.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
obtaining an understanding of the internal control structure over servicing
of securitized automobile financing receivables, testing and evaluating the
design and operating effectiveness of the internal control structure, and
such other procedures as we considered necessary in the circumstances.  We
believe that our examination provides a reasonable basis for our opinion.

Because of inherent limitations in any internal control structure, errors or
irregularities may occur and not be detected. Also, projections of any
evaluation of the system of internal control over servicing of securitized
automobile financing receivables to future periods are subject to the risk that
the internal control structure may become inadequate because of changes in
conditions, or that the degree of compliance with the policies or procedures
may deteriorate.  In our opinion, management's assertion that, as of
December 31, 1996, The Chase Manhattan Bank USA, N.A. maintained an effective
system of internal control over servicing of securitized automobile financing
receivables, is fairly stated, in all material respects,based upon the criteria
for effective internal control described in "Internal Control - Integrated
Framework" issued by the Committee of Sponsoring Organizations of the
Treadway Commission.

This report is intended solely for the information and use of the Board of
Directors and management of The Chase Manhattan Bank USA, N.A. and Norwest
Bank of Minnesota, National Association as Trustee and Collateral Agent for
the Chase Manhattan Grantor Trust 1996-B, and should not be used for any
other purpose, except that copies may be distributed by the Trustee to
Certificateholders, Standard & Poor's Corporation, Moody's Investor Service,
Inc. and Fitch Investors Service, L.P.

Signed:  Price Waterhouse LLP