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, 2000 Commission file number 333-26675-01 ------------ Barnett Auto Trust 1997-A ------------------------- (Exact name of registrant as specified in its charter) United States of America 86-0888083 - --------------------------- ---------- (State or other jurisdiction (IRS Employer of incorporation or organization) Identification No.) Interstate Tower, 121 W. Trade Street, Charlotte, North Carolina 28255 - ---------------------------------------------------------------------- ----- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (704) 388-2738 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. Page 1 PART I - ------- Item 1. Business -------- Not applicable. Item 2. Properties ---------- Not applicable. Item 3. Legal Proceedings ------------------ There are no material pending legal proceedings with respect to Barnett Auto Trust 1997-A (the "Trust") involving the Trust, US Bank National Association, as Indenture Trustee, and Bank of New York (Delaware), as Owner Trustee (collectively, the "Trustees"), or Bank of America, N.A, as Servicer, other than ordinary routine litigation incidental to the Trust assets or the Trustees' or the Servicer's duties under the applicable Sales and Servicing Agreement. Item 4. Submission of Matters to a Vote of Security Holders ----------------------------------------------------------- None. PART II - -------- 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 Notes. (b) Holders. Since each of the Notes was issued in book entry form only, there is only one holder of record of each Series of Notes. 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 ----------------------- 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 - --------- Item 10. Directors and Executive Officers of the Registrant -------------------------------------------------------- Not applicable. Item 11. Executive Compensation ----------------------- Not applicable. Page 2 Item 12. Security Ownership of Certain Beneficial Owners and Management --------------------------------------------------------------------- The Notes are represented by one or more notes 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 note representing such interest except in limited circumstances. Accordingly, Cede & Co. is the sole holder of record of the Notes, which it holds on behalf of brokers, dealers, banks and other participants in the DTC system. Such participants may hold notes 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 Bank of America, N.A. Inc., as Servicer, is a party with any Noteholder or any member of the immediate family of any such Noteholder who, to the knowledge of the Servicer, owns of record or beneficially more than five percent of the Notes. PART IV - -------- 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 Page 3 (b) Reports on Form 8-K. Barnett Auto Trust 1997-A filed a Current Report on Form 8-K Pursuant to Items 5 and 7 for the following monthly distribution dates during 2000, including the Servicer's Certificate for each due period provided to US Bank National Association, as Indenture Trustee, and Bank of New York (Delaware), as Owner Trustee. Date of Reports on Form 8-K --------------------------- January 18, 2000 February 15, 2000 March 15, 2000 April 17, 2000 May 15, 2000 June 15, 2000 July 17, 2000 August 15, 2000 September 15, 2000 October 16, 2000 November 15, 2000 December 15, 2000 (c) The exhibits filed as part of this report are listed in the Index to Exhibits on page 6. (d) Not applicable. Page 4 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. Barnett Auto Trust 1997-A By: /s/ Kevin T. Church ---------------------- Kevin T. Church Vice President Bank of America, N.A. (Duly Authorized Officer) Date: March 30, 2001 Page 5 INDEX TO EXHIBITS Exhibit No. Description of Exhibit 99.1 Annual Statement as to Compliance Page 6