<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, 2000

                                       OR

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

For the transition period from ___________ to ___________

                        Commission file number 333-32263

                 Chase Manhattan RV Owner Trust 1997-A (issuer)

         The Chase Manhattan Bank USA, National Association (depositor)
             (Exact name of registrant as specified in its charter)

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

         200 White Clay Center Drive, Newark, DE                       17911
         (Address of principal executive offices)                      (Zip Code)

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

                 The Chase Manhattan Bank (Sponsor of the Trust)
             (Exact name of registrant as specified in its charter)

<TABLE>
<S>                                                                    <C>
         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
</TABLE>


<PAGE>


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 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.


<PAGE>


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, 2000 was $7,110,557.64. As
of December 31, 2000, the aggregate Pool Balance of Receivables in the Trust was
$300,195,280.81, and the aggregate principal balances of delinquent Receivables
in the Trust were as follows:

                  Delinquency               Principal Balance
                  -----------               -----------------
                  31 - 59 days              $2,774,526.00
                  60 - 89 days              $1,077,341.63
                  90 - 119 days             $  935,082.97
                  120 + days                $2,153,518.60

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.


<PAGE>


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 Class B certificates of beneficial interest (the
"Certificates"). The Trust also has four outstanding classes 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, 2000, 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
         -----                      --------------
         A7                                 12

         A8                                 8

         A9                                 9

         A10                                15

         B                                  3

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.


<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

         The records of DTC indicate that as of December 31, 2000, there were
the following holders of record with more than 5% of each class of Certificates
and Notes:

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------
Chase Manhattan RV  Owner Trust   Name & Address of Participant       Original Certificate    % of Class
                                                                      Principal Balance
------------------------------------------------------------------------------------------------------------
Series 1997-A
------------------------------------------------------------------------------------------------------------
<S>                               <C>                                 <C>                     <C>
Class A7                          Bank of America, National Assoc.
                                  1401 Elm St., 16th Fl.                           $3,000,000         5.26%
                                  Dallas, TX  75202
------------------------------------------------------------------------------------------------------------
                                  Bank One Trust Co. N.A.
                                  1900 Polaris Parway - 4th Floor                  $7,000,000        12.28%
                                  Columbus, OH  43240
------------------------------------------------------------------------------------------------------------
                                  Chase Manhattan Bank
                                  4 New York Plaza                                 $9,000,000        15.79%
                                  13th Floor
                                  New York, NY 10004
------------------------------------------------------------------------------------------------------------
                                  Investors Bank & Trust Company
                                  200 Claredon Street                             $13,000,000        22.81%
                                  15th Fl Hancock Tower
                                  Boston, MA 02116
------------------------------------------------------------------------------------------------------------
                                  SSB-Bank Portfolio
                                  1776 Heritage Dr.                               $20,000,000        35.09%
                                  No. Quincy, MA  02171
------------------------------------------------------------------------------------------------------------
Class A8                          Bankers Trust Company
                                  648 Grassmere Park Drive                        $17,210,000        20.25%
                                  Nashville, TN 37211
------------------------------------------------------------------------------------------------------------
                                  Citibank, N.A.
                                  3800 Citicorp Center Tampa                      $30,000,000        35.29%
                                  Tampa, FL  33630-9122
------------------------------------------------------------------------------------------------------------
                                  Northern Trust Company (The)
                                  801 S. Canal C-IN                                $5,000,000         5.88%
                                  Chicago, IL 60607
------------------------------------------------------------------------------------------------------------
                                  SSB-Bank Portfolio
                                  1776 Heritage Dr.                               $16,360,000        19.25%
                                  No. Quincy, MA  02171
------------------------------------------------------------------------------------------------------------
                                  U.S. Bank National Association
                                  MPFP 1603 Proxy Unit                             $5,500,000        17.65%
                                  601 Second Avenue South
                                  Minneapolis, MN 55402
------------------------------------------------------------------------------------------------------------

</TABLE>
<PAGE>

<TABLE>
<S>                               <C>                                          <C>               <C>
------------------------------------------------------------------------------------------------------------
Class A9                          Bankers Trust Company
                                  648 Grassmere Park Drive                        $15,700,000        25.74%
                                  Nashville, TN 37211
------------------------------------------------------------------------------------------------------------
                                  Boston Safe Deposit and Trust
                                  Company                                         $12,400,000        20.33%
                                  c/o Mellon Bank N.A.
                                  Three Mellon Bank Center
                                  Room 153-3015
                                  Pittsburgh, PA 15259
------------------------------------------------------------------------------------------------------------
                                  Citibank, N.A.                                   $5,000,000         8.20%
                                  3800 Citicorp Center Tampa
                                  Tampa, FL  33630-9122
------------------------------------------------------------------------------------------------------------
                                  Northern Trust Company (The)
                                  801 S. Canal C-IN                                $3,160,000         5.18%
                                  Chicago, IL 60607
------------------------------------------------------------------------------------------------------------
                                  State Street Bank and Trust Co.
                                  1776 Heritage Dr.                               $10,000,000        16.39%
                                  Global Corp. Action Unit JAB 5 NW
                                  No. Quincy, MA 02171
------------------------------------------------------------------------------------------------------------
                                  SSB - Bank Portfolio
                                  1776 Heritage Dr.                               $11,550,000        18.93%
                                  No. Quincy, MA 02171
------------------------------------------------------------------------------------------------------------
Class A10                         Bank of New York (The)
                                  925 Patterson Plank Rd.                          $7,000,000        10.77%
                                  Secaucus, NJ 07094
------------------------------------------------------------------------------------------------------------
                                  Bank One Trust Co. N.A.
                                  1900 Polaris Parway - 4th Floor                  $8,700,000        13.38%
                                  Columbus, OH  43240
------------------------------------------------------------------------------------------------------------
                                  Chase Manhattan Bank
                                  4 New York Plaza                                 $9,750,000        15.00%
                                  13th Floor
                                  New York, NY 10004
------------------------------------------------------------------------------------------------------------
                                  Credit Suisse First Boston
                                  Corporation                                      $5,450,000         8.38%
                                  c/o ADP Proxy Services
------------------------------------------------------------------------------------------------------------
                                  Goldman, Sachs & Co.
                                  180 Maiden Lane                                 $13,625,000        20.96%
                                  New York, NY 10038
------------------------------------------------------------------------------------------------------------
                                  Harris Trust & Savings Bank
                                  Proxy Operations                                 $3,700,000         5.69%
                                  111 West Monroe Street
                                  Chicago, IL 60603
------------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<S>                               <C>                                            <C>               <C>
------------------------------------------------------------------------------------------------------------
                                  State Street Bank and Trust Co.
                                  1776 Heritage Dr.                                $6,000,000         9.23%
                                  Global Corp. Action Unit JAB 5 NW
                                  No. Quincy, MA 02171
------------------------------------------------------------------------------------------------------------
                                  Union Bank of California, N.A.
                                  P.O. Box 109                                     $3,600,000         5.54%
                                  San Diego, CA 92112-4103
------------------------------------------------------------------------------------------------------------
Class B                           Chase Manhattan Bank
                                  4 New York Plaza                                $23,100,000        51.45%
                                  13th Floor
                                  New York, NY 10004
------------------------------------------------------------------------------------------------------------
                                  Citibank, N.A.
                                  P.O. Box 30576                                  $10,000,000        22.27%
                                  Tampa, FL  33630-3576
------------------------------------------------------------------------------------------------------------
                                  State Street Bank and Trust Co.
                                  1776 Heritage Dr.                               $11,795,000        26.27%
                                  Global Corp. Action Unit JAB 5 NW
                                  No. Quincy, MA 02171
------------------------------------------------------------------------------------------------------------
</TABLE>


Item 13.          Certain Relationships and Related Transactions

         None.



<PAGE>


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 on Form 10-K.

<TABLE>
<CAPTION>
         Exhibit Number             Description
         --------------             -----------
<S>                                 <C>
         23.1                       Independent Accountant's Consent.

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

         99.2                       Annual Management's Assertion.

         99.3                       Annual Independent Accountant's Report pursuant to
                                    Section 4.11 of the Sale and Servicing Agreement.

         99.4                       Annual Issuer's Certificate of Compliance with Indenture.
</TABLE>

                  (b)      Reports on Form 8-K.

         The following reports were filed on Form 8-K during the last quarter of
2000:

<TABLE>
<CAPTION>
Date                       Items Reported            Financial Statements
----                       --------------            --------------------

<S>                        <C>                       <C>
10/25/2000                 5, 7                      Monthly report to certificateholders
                                                     dated 10/16/2000

11/29/2000                 5, 7                      Monthly report to certificateholders
                                                     dated 11/15/2000

12/29/2000                 5, 7                      Monthly report to certificateholders
                                                     dated 12/15/2000
</TABLE>



<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.

Dated:  March 30, 2001


                                         Chase Manhattan RV Owner Trust 1997-A

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

                                         By: /s/ Gilmar Rodrigues
                                         -----------------------------------
                                         Name: Gilmar Rodrigues
                                         Title: Vice President


<PAGE>


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:
---------------            ------------

23.1                       Independent Accountant's Consent.

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

99.2                       Annual Management's Assertion.

99.3                       Annual Independent Accountant's Report
                           pursuant to Section 4.10 of the Sale and Servicing
                           Agreement.

99.4                       Annual Issuer's Certificate of Compliance with
                           Indenture.