SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C.  20549

FORM 10-K

[X]     ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) of
         THE SECURITIES EXCHANGE ACT OF 1934 [FEE REQUIRED]
For the fiscal year ended December 31, 1996

                                     OR

[  ]     TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE
         SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED]
For the transition period from________________to_______________.
Commission file number 33-99510

ADVANTA Revolving Home Equity Loan Trust 1996-A

New York                      33-99510-03
   (State of other jurisdictio        (IRS Employer
    incorporation or organizat           Identification No.)

c/o Bankers Trust Company
4 Albany Street
New York, NY   10015

Registrant's telephone number, including area code:  (212) 250-2500

Securities registered pursuant to Section 12(b) of the Act.

Title of each class                           Name of each exchange on
                                                        which registered:
     None                                           None

Securities registered pursuant to Section 12(g) of the Act:
     None
                              (Title of class)

Indicated 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 ($ 229.405 of this chapter) 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 registrant.  The aggregate market value shall be computed by reference to
the price at which the stock was sold, or the average bid and asked prices
of such stock, as of specified date within 60 days prior to the date of filing:

$34,307,490.84

Documents Incorporated by Reference:  Not Applicable


PART 1

ITEM 1 - BUSINESS

The ADVANTA Revolving Home Equity Loan Trust 1996-A, (the "Trust" or
"Issuer") is a New York common law trust established as of November 1,
1996, pursuant to a Pooling and Servicing Agreement (the "Pooling and
Servicing Agreement") between ADVANTA Mortgage Conduit Services, Inc.
as sponsors (the "Sponsor") and ADVANTA Mortgage Corp. USA as Master
Servicer (the "Master Servicer") (together, the "Companies") and Bankers
Trust Company, acting thereunder not in its individual capacity but solely as
trustee (the "Trustee").  The Issuer's only purpose is the issuance of
$50,000,000.00 principal amount of ADVANTA Home Equity Loan Pass-
Through Certificates, Series 1996-A, Class A (the "Cert-
ificates") and the subordinated residual certificates pursuant to the Pooling
and Servicing Agreement.  On November 22, 1996, the Sponsor sold
$50,000,000.00 aggregate principal amount of mortgage loans (the "Mort-
gage Loans"), to the Issuer in exchange for the Certificates, and sold the
Certificates pursuant to a public offering, the underwriting of which was
managed by Lehman Brothers.
The Mortgage Loans and the distributions thereon,
along with certain insurance proceeds, certain proceeds obtained on foreclosure
and any investment income earned thereon, are the only significant assets of
the Issuer.  The Certificates represent obligations solely of the Issuer.  The
Certificates were registered under a Registration Statement (file no. 33-99510)
on Form S-3 declared effective on September 6, 1996.

ITEM 2 - PROPERTIES

The Issuer neither owns nor leases any physical properties.

ITEM 3 - LEGAL PROCEEDINGS

The Master Servicer is not aware of any material pending legal proceedings
involving either the Issuer, the Trustee, the Sponsor or the Master Servicer
with respect to the Certificates or the Issuer's property.

ITEM 4 - SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

No matter has been submitted to a vote of the holders of beneficial interests
in the Issuer through the solicitation of proxies or otherwise.

PART II

ITEM 5 - MARKET FOR REGISTRANT'S COMMON STOCK AND RELATED STOCK-
HOLDER MATTERS

The Trust is not an issuer of common stock in a corporation, although the
Certificates represent equity interest that has voting rights.  The equity of
the Trust consists of the beneficial or ownership interest therein for which,
to the best knowledge of the Master Servicer, there is no established
public trading market.

As of July 7, 1998, there were approximately 3 holders of the Class A-1
Certificates.   The number of holders includes individual participants in
security position listings.  As of December 26, 1996, 1 monthly distribution
had been made to the holders of the Certificates.


ITEM 6 - SELECTED FINANCIAL DATA

Not applicable.

ITEM 7 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS

RESULTS OF OPERATION

On November 22, 1996, the Issuer issued $50,000,000.00 aggregate
principal amount of Class A-1 Certificates having a variable monthly rate,
which are collateralized by Mortgage Loans.
The sale of the Mortgage Loans to the Issuer, the issuance of the Certificates
and the simultaneous delivery of the Certificates to the Companies for sale
pursuant to a public offering, the underwriting of which was co-managed by
Lehman Brothers has been accounted for as a sale of the Certificates. The value
of the Certificates issued by the Issuer equaled the value of the Mortgage Loans
conveyed to the Issuer by the Companies, plus funds held in the Prefunding
Account (if any) and subsequently used to acquire additional mortgage loans.
Accordingly, there was no income, expense, gain or loss resulting from
the aforementioned transaction.

CAPITAL RESOURCES AND LIQUIDITY

The Issuer's primary sources of funds with respect to the Certificates will be
receipts of interest on and principal of the Mortgage Loans, along with certain
insurance proceeds, certain proceeds obtained on foreclosure and any
investment income earned thereon.  The respective management's of the
Companies believe that the Issuer will have sufficient liquidity and capital
resources to pay all amounts on the Certificates as they become due and
all other anticipated expenses of the Issuer.  The Issuer does not have, nor
will it have in the future, any significant source of capital for payment of the
Certificates and its operating expenses other than the receipt of interest on
and principal of the mortgage loans, certain insurance proceeds and certain
proceeds obtained on foreclosure and any payments made by the Certificate
Insurer.  The Issuer is a limited purpose trust.  The Certificates represent
obligations solely of the Issuer.

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Not applicable.

ITEM 9 - CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON
ACCOUNTING AND FINANCIAL DISCLOSURE

There were no changes of accountants or disagreements on accounting or
financial disclosures between the Issuer and its accountants.

PART III

ITEM 10 - DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

The Issuer does not have any directors or officers.

ITEM 11 - EXECUTIVE COMPENSATION

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

ITEM 12 - SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND
MANAGEMENT

The following table sets forth (i) the name and address of each entity owning
more than 5% of the outstanding principal amount of the ADVANTA Home
Revolving Home Equity Loan Certificates, Series 1996-A, Class A ("Class A
("Class A Certificates"), (ii) the principal amount of the Class A
Certificates and (iii) the percent that the prinicpal amount of Class A-1
Certificates owned represents of the outstanding principal amoun of the
Class A-1 Certificates.  The information set forth in the table is based upon
information obtained by the Issuer from Depository Trust Company.  The
Master Servicer is not aware of any Schedules 13D or 13G filed with the
Securities and Exchange Commission in respect of  the Certificates.

                                Amount Owned
                              (All Dollar Amounts are in Thousands)
Name and Address                 Principal        Percent

Class A Certificates
Bankers Trust Company
c/o BT Services Tennessee Inc.
648 Grassmere Park Drive
Nashville, TN  37211                                    30.00%

LBI - Lehman Government Securities Inc.
101 Hudson Street, 31st Floor
Jersey City, NJ  07302                                  60.00%

NBD Municipal Bond Department
Attn: Securities Dept.
611 Woodward Avenue
Detroit, MI  48226                                      10.00%

ITEM 13 - CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None


PART IV

ITEM 14 - EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS
ON FORM 8-K

(a)     The following documents are filed as part of this report:
              1.   Financial Statements:    Not applicable.
              2.   Financial Statement Schedules:    Not applicable.
              3.   Exhibits:   As the Issuer was established as of December 1,
1996, the Master Servicer was obligated to prepare an Annual Statement to
Certificateholders as to Compliance for the year ended December 31, 1996,
and mail such statement to the Certificateholders on or before the last day
of March, 1997 and Independent Certified Public Accountants were required
to prepare an annual report pertaining to the compliance of the Master Servicer
with its servicing obligations pursuant to the Pooling and Servicing Agreement
on or before the last day of March, 1997.  The Annual Statement to Certificate-
holders as to Compliance is included herewith as Exhibit 28.1 and the Annual
Independent Certified Public Accountants' Report is included herewith as
Exhibit 28.2.  The Statement to Certificateholders on December 26, 1996, is
included herewith as Exhibit 28.3.

 Exhibit No.                  Description

              *3.1            Certificates of Incorporation of the
                              Companies

              *3.2            By-laws of the Companies

              *4              Pooling and Servicing Agreement

              28.1            Annual Statement to Certificateholders
                              as to Compliance for the year ended
                              December 31, 1996.

              28.2            Annual Independent Certified Public
                              Accountants' Report.

              28.3            Statement to Certificateholders on
                              December 26, 1996.

*   Incorporated by reference to the Exhibit of the same designation filed with
the Issuer's Form S-3 registration statement declared effective September
6, 1996.

(b)    Reports on Form 8-K.
              1 report on Form 8-K has been filed by the Issuer during the
period covered by this report.

                                         Items Reported/Financial
Date of Reports on Form 8-K    Statements Filed

              June 24, 1998   Monthly Report for the November 1996 Monthly
                              Period relating to the ADVANTA Revolving Home
                              Equity Loan Pass-through Certificates 1996-A,
                              Class A.


(c)    See "Item 14(a) (3)-Exhibits".
(d)    Not applicable.


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.

ADVANTA Mortgage Corp., USA,
as Master Servicer and on behalf of

ADVANTA Revolving Home Equity Loan Trust 1996-A
                 Registrant


BY;      /s/ William P. Garland
              William P. Garland
              Senior Vice President
              Loan Service Administration



March 31, 1997


INDEX TO EXHIBITS (Item 14(c))

  Exhibit #                     Description

*3.1                          Certificates of Incorporation of the Companies

*3.2                          By-laws of the Companies.

*4                            Pooling and Servicing Agreement

28.1                          Annual Statement to Certificateholders as to
                              Compliance for the year ended December 31,
                              1996.

28.2                          Annual Independent Certified Public Account-
                              ants' Report.

28.3                          Statement to Certificateholders on December 26,
                              1996.

*   Incorporated by reference to the Exhibit of the same designation filed with
the Issuer's Form S-3 registration statement declared effective September 6,
1996

<TABLE>
                                              EXHIBIT 28.1
<S>
March 31, 1997

Bankers Trust Company(293)
Attention:  Erin Deegan
3 Park Plaza --  16th Floor
Irvine, CA  92714


RE:  Annual Statement as to Compliance

Pursuant to that certain Loan Servicing Agreement ("Agreement") dated as of
November 1, 1996, relating to ADVANTA Revolving Home Equity Loan Trust 1996-A, I,
William P. Garland, hereby certify that (I) a review of the activities of the Servicer
during the preceding year and the performance under this Agreement has
been made under my supervision, and (II) to the best of my knowledge, based
on such review, the Servicer has fulfilled all its obligations under this Agreement
for such year.

Sincerely,



BY;      /s/ William P. Garland
              William P. Garland
              Senior Vice President
              Loan Service Administration

WPG/cg

cc:     Mr. James L. Shreero
         Annette Aguirre, Esq.
         Mr. Mark Casale
<S>
</TABLE>
<TABLE>
                                              EXHIBIT 28.2
<S>
REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS


To ADVANTA Mortgage Corp. USA:

We have examined management's assertion about Advanta Mortgage Corp. USA's compliance
with the minimum servicing standards identified in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers (USAP) and that
Advanta Mortgage Corp. USA had in effect fidelity bond coverage in the amount of $15 million
and mortgage contingent liability protection coverage in the amount of $2 million as of and for
the year ended December 31, 1996 included in the accompanying management assertion.
Management is responsible for Advanta Mortgage Corp. USA's compliance with those
minimum servicing standards and for maintaining fidelity bond and mortgage contingent
liability protection coverage policies.  Our responsibility is to express an opinion on
management's assertion about the entity's compliance with the minimum servicing standards
and maintenance of fidelity bond and mortgage contingent liability protection coverage policies
based on our examination.

Our examination was made in accordance with standards established by the American Institute
of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence
about Advanta Mortgage Corp. USA's compliance with the minimum servicing standards and
performing such other procedures as we considered necessary in the circumstances.  We
believe that our examination provides a reasonable basis for our opinion.  Our examination
does not provide a legal determination on Advanta Mortgage Corp. USA's compliance with the
minimum servicing standards.

In our opinion, management's assertion that Advanta Mortgage Corp. USA complied with the
aforementioned minimum servicing standards and that Advanta Mortgage Corp. USA had in
effect fidelity bond coverage in the amount of $15 million and mortgage contingent liability
protection coverage in the amount of $2 million as of and for the year ended December 31, 1996
is fairly stated, in all material respects.

BY;      /s/ Arthur Andersen LLP

Philadelphia, PA
March 20, 1997
<S>
</TABLE>
<TABLE>
                                              EXHIBIT 28.3

              ADVANTA Revolving Home Equity Loan Trust 1996-A

                         Statement to Certificateholders

<CAPTION>
              Original        Prior
              Face            Principal
Class         Value           Balance         Interest        Principal      Total
<S>           <C>             <C>             <C>             <C>            <C>
A                   50,000,000      50,000,000           264,6                          264,680.56

Totals              50,000,000      50,000,000           264,6                          264,680.56
</TABLE>
<TABLE>
<CAPTION>
                                              Current         Pass-Through
              Realized        Deferred        Principal       Rates
Class         Losses          Interest        Balance         Current        Next
<S>           <C>             <C>             <C>             <C>            <C>
A                                                   50,000,000      5.605000%       5.897970%

Totals                                              50,000,000.00
</TABLE>
<TABLE>
<CAPTION>
                              Prior                                                          Current
                              Principal                                                      Principal
Class         CUSIP           Balance         Interest        Principal      Total           Balance
<S>           <C>             <C>             <C>             <C>            <C>             <C>
A                00757CAA6                1000        5.293611              0             5.2           1000
</TABLE>
<TABLE>
Delinquent Loan Information:
<CAPTION>
                                                              90+ Days       Loans           Loans
                              30-59           60-89           excldg f/c,REO in              in
                              Days            Days            & Bkrptcy      REO             Foreclosure
<S>                           <C>             <C>             <C>            <C>             <C>
Group 1       Principal Balanc        1,006,41            86,9           27,5
              % of Pool Balanc        2.07460%        0.17930%       0.05680%        0.00000%       0.00000%
              Number of Loans               32               4              1               0              0

                                              Loans in Bankrup       Group 1                         -

<S>                                                           <C>            <C>             <C>
Book Value of REO Property

Servicing Fee Due and Payable for Period:                                                               16,0

Unpaid Class A Certificate Interest Shortfall

Insured Payments:

Substitution Amount:

Scheduled Principal Balance of Loans as of the Prior Distribution Date:                          38,501,016.

Scheduled Principal Balance of Loans as of the Current Distribution Date:                        48,510,797.

Certificate Insurer Premium Payment                                                                      9,1

Pre-funded amount applied to the Class A Certificate Principal Distribution Amount

Weighted Average Coupon as of the Current Distribution Date:                                       8.836938%

Weighted Average Net Coupon as of the Current Distribution Date:                                   8.336938%

Non-Scheduled Principal Included in the Current Distribution:

Pre-Funding Account:

              Beginning Account Balance:                                                         12,519,391.

              Withdrawals Relating to Subsequent Loans:                                         (10,040,656.

              Withdrawals Relating to Pre-Funding Period Termination:

              Ending Account Balance:                                                              2,478,734

              Interest Earnings Deposited to the Certificate Account                                    38,3

Capitalized Interest Account:

              Beginning Account Balance:                                                              308,47

              Deposit of Interest Earnings:                                                              1,2

              Withdrawal of Capitalized Interest Requirement:                                          (47,4

              Withdrawal of Overfunded Interest Amounts per 7.04(e):                                 (128,75

              Ending Account Balance:                                                                 133,54

Revolving Account:

              Beginning Account Balance:

              Deposit of Principal Collections:                                                       305,06

              Deposit of Excess Interest Amounts:                                                       76,1

              Withdrawal of Amounts in Excess of Required Balance:

              Ending Account Balance:                                                                 381,22
</TABLE>
<TABLE>
Realized Losses Tracking:
<CAPTION>
                                              Realized        Recovered      Recovered       Total
                                              Losses          Delinquency    Servicing
                                                              Advances       Advances
<S>                           <C>             <C>             <C>            <C>             <C>
                               Prior
                              Current

                              Cumulative
Percentage of Average Pool Principal Balance                0%             0%              0%             0%
Percentage of Maximum Collateral Amount                     0%             0%              0%             0%
<S>                                                           <C>            <C>             <C>
<S>           <S>                                             <C>            <C>             <C>
Remaining Pre-Funded Account:                                                                      2,478,734

Overcollateralization Deficit:

Aggregate Principal Balance of Subsequent Loans for the Related Remittance Period:               10,040,656.

Accelerated Principal Payment:

Net Funds Cap Forward Amount:

Step-Down Amount:

Originator's Interest:                                                                             1,020,408

Non-Subordinated Originator's Interest

</TABLE>