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                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549
                             ______________________

                                    FORM 10-K
                  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 1997

                         Commission file number 33-97436
                                                --------

                 NationsBank, N.A. (as Servicer and on behalf of
                 -----------------------------------------------
                     NationsBank Auto Grantor Trust 1995-A)
                     --------------------------------------
             (Exact name of registrant as specified in its charter)

United States of America                57-0236115
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(State or other jurisdiction            (IRS Employer
of incorporation or organization)       Identification No.)

NationsBank Corporate Center, 100 North Tryon Street, Charlotte,
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North Carolina  28255
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(Address of principal executive offices)                            (Zip Code)

Registrant's telephone number, including area code              (704) 386-5000

Securities registered pursuant to Section 12(b) of the Act:     None.

Securities registered pursuant to Section 12(g) of the Act:     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 was required to file such reports), and (2) has been subject to
such filing requirements for the past 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. [X]

State the aggregate market value of the voting stock held by non-affiliates of
the registrant.  None.

Indicate the number of shares outstanding of the registrant's classes of
common stock, as of the latest practicable date.  None.

Documents Incorporated by Reference.  None.

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PART I
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Item 1.   Business
          --------
          Not applicable.

Item 2.   Properties
          ----------
          Not applicable.

Item 3.   Legal Proceedings
          -----------------
          There are no material pending legal proceedings with respect to
          NationsBank Auto Grantor Trust 1995-A (the "Trust") involving the
          Trust, The Chase Manhattan Bank, as Trustee, or NationsBank, N.A.,
          as Servicer, other than ordinary routine litigation incidental to
          the Trust assets or the Trustee's or the Servicer's duties under the
          applicable Pooling and Servicing Agreement.

Item 4.   Submission of Matters to a Vote of Security Holders
          ---------------------------------------------------
          None.

PART II
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Item 5.   Market for the Registrant's Common Equity and Related Stockholder
          Matters
     (a)  Market Information.  There is no established public trading market
          for the Certificates.

     (b)  Holders.  Since each of the Certificates was issued in book entry
          form only, there is only one holder of record of each Series of
          Certificates.  See Item 12 below.

     (c)  Dividends.  Not applicable.

Item 6.   Selected Financial Data
          -----------------------
          Not applicable.

Item 7.   Management's Discussion and Analysis of Financial Condition and
          ---------------------------------------------------------------
          Results of Operations
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          Not applicable.

Item 8.   Financial Statements and Supplementary Data
          -------------------------------------------
          Not applicable.

Item 9.   Changes in and Disagreements with Accountants on Accounting and
          ---------------------------------------------------------------
          Financial Disclosure
          --------------------
          None.

PART III
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Item 10.  Directors and Executive Officers of the Registrant
          --------------------------------------------------
          Not applicable.

Item 11.  Executive Compensation
          ----------------------
          Not applicable.

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Item 12.  Security Ownership of Certain Beneficial Owners and Management
          --------------------------------------------------------------
          The Certificates are represented by one or more certificates
          registered in the name of Cede & Co., the nominee of The Depository
          Trust Company ("DTC").  An investor holding an interest in the Trust
          is not entitled to receive a certificate representing such interest
          except in limited circumstances.  Accordingly, Cede & Co. is the
          sole holder of record of the Certificates, which it holds on behalf
          of brokers, dealers, banks and other participants in the DTC system.
          Such participants may hold certificates for their own accounts or
          for the accounts of their customers. The address of Cede & Co. is:
                                   Cede & Co.
                                   c/o The Depository Trust Company
                                   Attention:  Proxy Department
                                   Seven Hanover Square
                                   New York, New York  10004

Item 13.  Certain Relationships and Related Transactions
          ----------------------------------------------
          There has not been, and there is not currently proposed, any
          transaction or series of transactions, to which either the Trust or
          NationsBank, N.A., as Servicer, is a party with any
          Certificateholder or any member of the immediate family of any such
          Certificateholder who, to the knowledge of the Servicer, owns of
          record or beneficially more than five percent of the Certificates.

PART IV
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Item 14.  Exhibits, Financial Statement Schedules, and Reports on Form 8-K
          ----------------------------------------------------------------
          (a)  1. Not applicable.
               2. Not applicable.
               3. Exhibits:
                  99.1           Annual Statement as to Compliance
                  99.2           Report of Independent Accountants

         (b)  Reports on Form 8-K.
              As Servicer and on behalf of the NationsBank Auto Grantor Trust
              1995-A, NationsBank, N.A. filed a Current Report on Form 8-K
              pursuant to Items 5 and 7 for the following monthly distribution
              dates during 1997, including the Servicer's Certificate for each
              due period provided to The Chase Manhattan Bank, as Trustee.

                          Dates of Reports on Form 8-K
                          ----------------------------
                                January 15, 1997
                                February 18, 1997
                                 March 17, 1997
                                 April 15, 1997
                                  May 15, 1997
                                  June 16, 1997
                                  July 15, 1997
                                 August 15, 1997
                               September 15, 1997
                                October 15, 1997
                                November 17, 1997
                                December 15, 1997

     (c)  The exhibits filed as part of this report are listed in the Index to
          Exhibits on page 5.

     (d)  Not applicable.

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                                    SIGNATURE

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, as amended, the registrant has duly caused this report to be
signed on its behalf by the undersigned, thereunto duly authorized.


                            NationsBank, N.A.,
                            as Servicer and on behalf of
                            NationsBank Auto Grantor Trust 1995-A

                            By: \s\ Leslie J. Fitzpatrick
                                -------------------------
                            Leslie J. Fitzpatrick
                            Senior Vice President
                            (Duly Authorized Officer)


                            Date:  March 27, 1998