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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):          July 20, 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 July 20, 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 June
          20, 2000 through July 19, 2000 and for the Collection Period from June
          1, 2000 through June 30, 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:  July 20, 2000
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EXHIBIT INDEX


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


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