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                                                         Exhibit  99.1


                        Annual Statement as to Compliance

                                NationsBank, N.A.

                      NationsBank Auto Grantor Trust 1995-A
                      -------------------------------------

     The  undersigned, a duly authorized representative of NationsBank, N.A., as
Servicer pursuant to the Pooling and Servicing Agreement dated as of December 6,
1995 (the "Agreement"), between NationsBank, N.A and NationsBank of Texas, N.A.,
as  Sellers and NationsBank, N.A., as Servicer, and The Chase Manhattan Bank, as
Trustee,  does  hereby  certify  that:


1.     Capitalized  terms  used  in  this  Officer's  Certificate  have  their
       respective  meanings  set  forth  in  the  Agreement.

2.     NationsBank,  N.A.  is  as  of  the  date  hereof  the Servicer under the
       Agreement.

3.     The  undersigned  is duly authorized pursuant to the Agreement to execute
       and  deliver  this  Officer's  Certificate  to  the  Trustee.

4.     The  certificate  is delivered pursuant to Section 3.10 of the Agreement.

5.     A review of the activities of the Servicer during the calendar year ended
       December 31, 1998, and of its performance under the Agreement was made 
       under my supervision.

6.     Based on such review, to the best of my knowledge, the Servicer has fully
       performed all its obligations under the Agreement throughout such 
       calendar year, and no event which, with the giving of notice or passage 
       of time or both, would constitute a default by the Servicer has occurred 
       or is continuing.


IN  WITNESS WHEREOF, the undersigned, a duly authorized officer of the Servicer,
has duly executed this Officer's Certificate this 31st day of March, 1999.



                                            By:  /s/  SUZANNE  CASTLEBERRY 
                                                 -------------------------
                                                      Suzanne Castleberry
                                                      Vice  President


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                                                                Exhibit  99.2
                                                               page  1  of  2



                        REPORT OF INDEPENDENT ACCOUNTANTS


August  31,  1998

To  the  Board  of  Directors  of  NationsBank,  N.A.  and
The  Chase  Manhattan  Bank


We  have  examined  management's  assertion  about  NationsBank,  N.A.'s  (the
"Company")  compliance with sections 3.1(d), 3.2,  3.3, 3.5, 3.6, 3.7, 3.8, 3.9,
3.10,  3.11, 3.13, 3.14, 4.1(a)(ii-iii), 4.1(b)(i-iii), 4.2, 4.3, 4.4, 4.5(a-b),
4.7,  and  9.1,  except  for  references  from  such  sections to a section (and
references  therefrom)  not  specifically  delineated herein, of the Pooling and
Servicing  Agreement  for  the  Auto Grantor Trust 1995-A dated December 6, 1995
(the  "Agreement"), between the Company, as successor, and NationsBank of Texas,
N.A.,  as  Sellers;  the  Company,  as Servicer, and The Chase Manhattan Bank as
Trustee  and Collateral Agent, during the period September 1, 1997 to August 31,
1998  included  in  the  accompanying  Report  of  Management on Compliance with
Pooling  and  Servicing  Agreement.  Management is responsible for the Company's
compliance with those requirements.  Our responsibility is to express an opinion
on  management's  assertion  about  the  Company's  compliance  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 the Company's compliance with those
requirements  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 the
Company's  compliance  with  specified  requirements.

In  our  opinion,  management's  assertion  that  the  Company complied with the
aforementioned  sections  of  the  Agreement for the period referred to above is
fairly  stated,  in  all  material  respects.




   By:  /s/  PriceWaterhouse  Coopers  LLP


<PAGE>

                                                                  Exhibit  99.2
                                                                    page 2 of 2

                     REPORT OF MANAGEMENT ON COMPLIANCE WITH
                         POOLING AND SERVICING AGREEMENT


NationsBank,  N.A. (the "Company") has responsibility for the monthly and annual
reporting  in  compliance  with  the  Pooling  and  Servicing  Agreement  (the
"Agreement")  for  the Auto Grantor Trust 1995-A (the "Trust") dated December 6,
1995  between  the  Company,  as  successor,  and NationsBank of Texas, N.A., as
Sellers;  the Company, as Servicer; and The Chase Manhattan Bank, as Trustee and
Collateral  Agent.  Management  of  the  Company  asserts that for the period of
September  1,  1997  to  August  31,  1998,  the  Company was in compliance with
sections  of  the  Agreement related to servicing of the Receivables held by the
Trust  in  all  material  respects.



/s/  RUTH  S.  QUEEN              /s/  JOHN  W.  BROTHERS
--------------------              -----------------------
Ruth  S.  Queen                   John  W.  Brothers
Senior  Vice  President           Senior  Vice  President
NationsBank,  N.A.                NationsBank,  N.A.


/s/  SUZANNE  CASTLEBERRY         /s/  TOM  C.  BOWERS
-------------------------         --------------------
Suzanne  W.  Castleberry          Tom  C.  Bowers
Vice  President                   Senior  Vice  President
NationsBank,  N.A.                NationsBank,  N.A.


/s/  WILLIAM  K.  KINYUA
------------------------
William  K.  Kinyua
Vice  President
NationsBank,  N.A.


August  31,  1998

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