<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                       -----------------------------------
                                    FORM 10-K

                        FOR ANNUAL AND TRANSITION REPORTS
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


(Mark One)

 X   ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
---  SECURITIES EXCHANGE ACT OF 1934.

For the Fiscal Year Ended: December 31, 2003

                                           OR

     TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
---  OF THE SECURITIES EXCHANGE ACT OF 1934.

For the transition period from               to
                               -------------    --------------

                        Commission file number 333-32263

                      CHASE MANHATTAN RV OWNER TRUST 1997-A
                             (Issuer of securities)

           CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (Depositor)
             (Exact name of registrant as specified in its charter)

  USA                                                   22-2382028
  (State or Other Jurisdiction of                       (I.R.S. Employer
  Incorporation or Organization)                        Identification Number)

  White Clay Center, Building 200, Newark, DE           19711
  (Address of principal executive offices)              (Zip Code)

Registrant's telephone number, including area code:     (302) 575-5000

   JPMORGAN CHASE BANK (f/k/a The Chase Manhattan Bank) (Sponsor of the Trust)
             (Exact name of registrant as specified in its charter)

   New York                                             13-4994650
   (State or Other Jurisdiction of                      (I.R.S. Employer
   Incorporation or Organization)                       Identification Number)

   270 Park Avenue, New York, NY                        10017
   (Address of principal executive offices)             (Zip Code)

Registrant's telephone number, including area code:     (212) 270-6000


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

      Title of Each Class           Name of Each Exchange of Which Registered
            NONE                                      N/A

Securities registered pursuant to Section 12(g) of the Act:

         Title of Each Class
                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 to file such reports), and (2) has been subject to such filing
requirements for the last 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 or any amendment to this Form 10-K.  X
                                                                ---

         State the aggregate market value of the voting and non-voting common
equity held by non-affiliates of the registrants. The aggregate market value
shall be computed by reference to the price at which the common equity was sold,
or the average bid and asked prices of such common equity, as of a specified
date within 60 days prior to the date of filing.

      The registrant has no voting or non-voting common equity outstanding as of
      the date of this report. The registrant is a trust that has issued
      certificates of beneficial interest in the trust assets.

                      DOCUMENTS INCORPORATED BY REFERENCE.

      List hereunder the following documents if incorporated by reference and
the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document
is incorporated: (1) any annual report to security holders; (2) any proxy or
information statement; and (3) any prospectus filed pursuant to Rule 424(b) or
(c) under the Securities Act of 1933. The listed documents should be clearly
described for identification purposes.

         None.


Introductory Note

         Chase Manhattan RV Owner Trust 1997-A (the "Trust") was formed pursuant
to a Trust Agreement (as amended, the "Agreement") among JPMorgan Chase Bank
(f/k/a The Chase Manhattan Bank) and Chase Manhattan Bank USA, National
Association (the "Bank"), as sellers, and an unrelated trustee (the "Trustee").
The Trust files reports pursuant to Section 13 and 15(d) of the Securities
Exchange Act of 1934, as amended (the "Exchange Act"), in the manner described
in "no-action" letters submitted to the Office of the 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 on Form 10-K.



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Part I

Item 1.           Business

         Omitted.

Item 2.           Properties

         The Trust has acquired certain RV loan receivables from the Bank
pursuant to a Sale and Servicing Agreement (the "Sale and Servicing Agreement").
The aggregate amount of Losses on all liquidated receivables with respect to the
assets of the Trust for the year ended December 31, 2003 was $2,314,189.48. As
of December 31, 2003, the aggregate Pool Balance of Receivables in the Trust was
$89,723,063.34, and the aggregate principal balances of delinquent Receivables
in the Trust were as follows:

          Delinquency                   Principal Balance
          -----------                   -----------------
          31 - 59 days                   $ 1,106,113.88
          60 - 89 days                   $   543,114.25
          90 - 119 days                  $   379,174.82
          120 + days                     $   846,124.87

Item 3.           Legal Proceedings

         The registrant knows of no material pending legal proceedings with
respect to the Trust, the Trustee or the bank.

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

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



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Part II

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

         The registrant has no voting stock or class of common stock outstanding
as of the date of this report. The beneficial interest in the Trust is
represented by its certificates of beneficial interest (the "Certificates"). The
Trust also has one outstanding class of debt securities (the "Notes"), as set
forth below. To the knowledge of the registrant, the Certificates and the Notes
are traded in the over-the-counter market to a limited extent.

         As of December 31, 2003, all of the Certificates and the Notes were
registered in the name of CEDE and Co. The registrant understands that CEDE and
Co. is the nominee for the Depository Trust Company ("DTC"). The registrant
further understands that DTC has no knowledge of the actual beneficial owners of
the Certificates and the Notes held of record by CEDE & Co., and that DTC knows
only the identity of the participants to whose accounts such Certificates and
Notes are credited, who may or may not be the beneficial owners of the
Certificates and the Notes. The Commission has concurred with the registrant's
position that the registrant may consider holders of interests in the DTC System
or DTC participants to be "holders of record" and on that basis:

         Class                      No. of Holders
         --------------             ----------------

         A10                                12

         B                                  5

Item 6.           Selected Financial Data

         Omitted.

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

         Omitted.

Item 7A.          Quantitative and Qualitative Disclosures About Market Risk

         Not applicable.

Item 8.           Financial Statements and Supplementary Data

         Omitted.

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

         None.



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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

         The records of DTC indicate that as of December 31, 2003, there were
the following holders of record with more than 5% of each class of Certificates
and Notes:

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------
Chase Manhattan RV                Name & Address of Participant               Original Principal       % of Class
Owner Trust Series 1997-A                                                     Balance

--------------------------------------------------------------------------------------------------------------------
<S>                               <C>                                         <C>                  <C>
Class A10 Notes                   JPMorgan Chase Bank                             $     15,750,000       24.23%
                                  Proxy/Class Actions/Bankruptcy
                                  14201 Dallas Pkwy
                                  Dallas, TX  75254
--------------------------------------------------------------------------------------------------------------------
                                  The Bank of New York                            $     14,800,000       22.77%
                                  One Wall Street
                                  New York, NY  10286
--------------------------------------------------------------------------------------------------------------------
                                  Bank One Trust Company, N.A. - State            $      8,700,000       13.38%
                                  340 South Cleveland Ave.
                                  Building 350
                                  Columbus, OH  43240
--------------------------------------------------------------------------------------------------------------------
                                  Deutsche Bank Trust Company Americas            $      7,575,000       11.65%
                                  648 Grassmere Park Road
                                  Nashville, TN  37211
--------------------------------------------------------------------------------------------------------------------
                                  SSB - Bank Portfolio                            $      7,000,000       10.77%
                                  1776 Heritage Drive
                                  Global Corporate Action Unit JAB 5NW
                                  North Quincy, MA  02171
--------------------------------------------------------------------------------------------------------------------
                                  State Street Bank and Trust Company             $      5,000,000        7.69%
                                  1776 Heritage Dr.
                                  Global Corporate Action Unit JAB 5NW
                                  No. Quincy, MA 02171
--------------------------------------------------------------------------------------------------------------------
                                  Harris Trust and Savings Bank                   $      3,400,000        5.23%
                                  111 W. Monroe Street
                                  Mail Code 3404
                                  Chicago, IL  60603
--------------------------------------------------------------------------------------------------------------------
Class B Certificates              The Bank of New York                            $     18,100,000       40.32%
                                  One Wall Street
                                  New York, NY  10286
--------------------------------------------------------------------------------------------------------------------
                                  Citibank, N.A.                                  $     10,000,000       22.27%
                                  3800 Citibank Center B3-15
                                  Tampa, FL  33610
--------------------------------------------------------------------------------------------------------------------
                                  Deutsche Bank Trust Company Americas            $      7,450,000       16.59%
                                  648 Grassmere Park Road
                                  Nashville, TN  37211
--------------------------------------------------------------------------------------------------------------------
                                  JPMorgan Chase Bank                             $      7,345,000       16.36%
                                  Proxy/Class Actions/Bankruptcy
                                  14201 Dallas Pkwy
                                  Dallas, TX  75254
--------------------------------------------------------------------------------------------------------------------
</TABLE>

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Item 13.          Certain Relationships and Related Transactions

         None.



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Part IV


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

                  (a) Exhibits.

                  The following documents are filed as part of this Annual
Report on Form 10-K.

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

                  99.1              Annual Servicer's Certificate pursuant to
                                    Section 4.9 of the Sale and Servicing
                                    Agreement.

                  99.2              Report of Independent Accountants.

                  99.3              Management's Assertion Concerning Compliance
                                    with USAP Minimum Servicing Standards.

                  99.4              Annual Issuer's Certificate of Compliance
                                    with Indenture.

                  99.5              Certification pursuant to Section 302 of the
                                    Sarbanes-Oxley Act of 2002.

                  (b) Reports on Form 8-K.

                  The following reports were filed on Form 8-K during the last
quarter of 2003:

<TABLE>
<CAPTION>
                  Date                      Items Reported             Financial Statements
                  ----                      --------------             --------------------
<S>               <C>                       <C>                       <C>
                  09/16/2003                5, 7                       Monthly report to Noteholders
                                                                       dated 9/15/2003

                  10/17/2003                5, 7                       Monthly report to Noteholders
                                                                       dated 10/15/2003

                  11/19/2003                5, 7                       Monthly report to Noteholders
                                                                       dated 11/17/2003

                  12/18/2003                5, 7                       Monthly report to Noteholders
                                                                       dated 12/15/2003
</TABLE>



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                                   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.


Dated:  March 30, 2004


                                   Chase Manhattan RV Owner Trust 1997-A

                                   by: The CIT Group/Sales Financing, Inc.,
                                       as Servicer


                                   By:  /s/ Frank Garcia
                                   -----------------------------------
                                   Name:  Frank Garcia
                                   Title: Senior Vice President



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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.



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                                INDEX TO EXHIBITS

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

99.1                Annual Servicer's Certificate pursuant to Section 4.9(a)
                    of the Sale and Servicing Agreement.

99.2                Report of Independent Accountants.

99.3                Management's Assertion Concerning Compliance with USAP
                    Minimum Servicing Standards.

99.4                Annual Issuer's Certificate of Compliance with Indenture.

99.5                Certification pursuant to Section 302 of the Sarbanes-Oxley
                    Act of 2002.