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                       SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C.  20549

                                    FORM 8-K

                                 CURRENT REPORT


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


   Date of Report (Date of earliest event reported):          August 21, 2000
                                                              ---------------


                       BANC ONE AUTO GRANTOR TRUST 1997-B
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                   (Issuer with respect to the Certificates)


                             BANK ONE, TEXAS, N.A.
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             (Exact name of registrant as specified in its charter)


                                 United States
                                 -------------
         (State or other jurisdiction of incorporation or organization)


              333-38681                             75-2270994
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      (Commission File Number)          (IRS Employer Identification Number)




   1717 Main Street, Dallas, Texas                               75201
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(Address of principal executive offices)                       (Zip Code)


                (214) 290-7437
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Registrant's telephone number, including area code
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Item 5.   Other Events

          On August 21, 2000, the Banc One Auto Grantor Trust 1997-B (the
          "Trust") made a regular monthly distribution of principal and/or
          interest to holders of the Trust's Class A 6.29% Asset Backed
          Certificates and Class B 6.46% Asset Backed Certificates.  Exhibit
          99.1 of this Form 8-K, the Monthly Statement and certain additional
          information, was distributed to the Certificateholders of record.

          This report on Form 8-K is being filed in accordance with a no-action
          letter dated August 16, 1995 issued by the staff of the Division of
          Corporate Finance of the Securities and Exchange Commission to Bank
          One, Texas, N.A., as originator and servicer of Banc One Auto Trust
          1995-A.  Consistent with such no-action letter, the Trust is hereby
          filing the Monthly Statement and certain additional information
          reflecting the Trust's activities for the Interest Period from July
          20, 2000 through August 20, 2000 and for the Collection Period from
          July 1, 2000 through July 31, 2000.

Item 7.   Exhibits

          See page 4 for Exhibit Index.
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                                   SIGNATURE


Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                         BANC ONE AUTO GRANTOR TRUST 1997-B

                         By:  Bank One, Texas, N.A., as Servicer
                               on behalf of the Trust


                         By:    /s/  Tracie H. Klein
                                --------------------------------
                         Name:  Tracie H. Klein
                         Title: Vice President



Date:  August 21, 2000
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EXHIBIT INDEX


Exhibit   Description                                                    Page
-------   -----------                                                    ----


99.1      Monthly Statement and Additional Information...................5-13