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




                            THE CHASE MANHATTAN BANK
      (formerly known as "The Chase Manhattan Bank, National Association")
      --------------------------------------------------------------------
                  (Originator of the Trust referred to herein)



                      CHASE MANHATTAN GRANTOR TRUST 1995-B
                  --------------------------------------------
                      (Issuer with respect to Certificates)
             (Exact name of registrant as specified in its charter)



       for the fiscal year                              33-94460
       year ended December 31, 1996               Commission File Number


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


      270 Park Avenue, New York, New York                 10017
      -------------------------------------------       ----------
      (Address of principal executive offices)          (Zip code)


                                (212) 270-6000
                ---------------------------------------------------
                (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:   No: X

The Issuer had no voting stock and no 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 Grantor Trust 1995-B (the "Trust") was formed pursuant to
a Pooling and Servicing Agreement (the "Agreement") between The Chase
Manhattan Bank (formerly known as The Chase Manhattan Bank, National
Association), as Servicer, Chase Manhattan Bank USA, National Association, the
successor to CMB as Seller, 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 retain 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 ("Trustee"), Chase Manhattan Bank USA, N.A., The Chase
Manhattan Bank (formerly known as "The Chase Manhattan Bank, National
Association") (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  1995-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

                                        THE CHASE MANHATTAN BANK
                                        as Servicer


                                        By:    /s/ Jerry DeRojas
                                               -----------------
                                        Name:  Jerry DeRojas
                                        Title: Senior 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.

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


<PAGE>

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

                          ANNUAL SERVICER'S CERTIFICATE

                           THE CHASE MANHATTAN BANK

         ____________________________________________________________

                     Chase Manhattan Grantor Trust 1995-B
         ___________________________________________________________


            The  undersigned,  a duly authorized  representative  of The Chase
Manhattan Bank  ("Chase"),  as Servicer  pursuant to the Pooling and Servicing
Agreement   dated  as  of  November 1,  1995  (the  "Pooling  and  Servicing
Agreement")  by  and  between  Chase  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 January 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/Jerry DeRojas
                                    Name:  Jerry DeRojas
                                    Title: Senior Vice President


<PAGE>
                                                             Exhibit 99.2
                                                             ------------

                    Letterhead of The Chase Manhattan Bank


Chase Automotive Finance                                 Jerry Rojas
Chase Manhattan Automotive Finance Corporation           Senior Vice President
900 Stewart Avenue
Garden City, NY 11530

March 27, 1997

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


            Management of The Chase Manhattan Bank 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  The Chase Manhattan Bank 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, The Chase Manhattan Bank maintained an effective system of
internal control over servicing of securitized automobile financing
receivables.


                                    /s/Jerry DeRojas
                                    ----------------
                             Name:  Jerry DeRojas
                             Title: Senior Vice President
                                    The Chase Manhattan Bank

<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

We have examined management's assertion that, as of December 31, 1996, The
Chase Manhattan Bank's automotive financing division 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's automotive financing division 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.


<PAGE>


To the Board of Directors of
The Chase Manhattan Bank
March 27, 1997
Page 2


This report is intended solely for the information and use of the Board of
Directors and management of The Chase Manhattan Bank and Norwest Bank of
Minnesota, National Association as Trustee and Cash Collateral Trustee for
the Chase Manhattan Grantor Trust 1995-A, the Chase Manhattan Grantor Trust
1995-B, and the Chase Manhattan Grantor Trust 1996-A, The Sanwa Bank,
Limited, New York Branch as Cash Collateral Depositor for the Chase Manhattan
Grantor Trust 1995-A, the Chase Manhattan Grantor Trust 1995-B, and the Chase
Manhattan Grantor Trust 1996-A, 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