Exhibit 99.1


                        Annual Statement as to Compliance

                              Bank of America, N.A.

                            Barnett Auto Trust 1997-A
                            -------------------------

     This  Officer's  Certificate is executed pursuant to the Sale and Servicing
Agreement  dated as of September 1, 1997 (the "Agreement"), between Barnett Auto
Trust  1997-A,  as  Issuer,  and  Barnett  Dealer  Financial  Services, Inc., as
Sponsor  and  Servicer.  Barnett Dealer Financial Services, Inc. was merged into
Bank  of  America,  N.A.  and  Bank  of America, N.A. assumed the obligations of
Servicer.  The  undersigned,  a  duly authorized representative of the Servicer,
does  hereby  certify  that:


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

2.    Bank  of  America,  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 4.10 of the Agreement.

5.    A review of the activities of the Servicer during the calendar year ended
      December  31, 2000, 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  30th day of March, 2001.



                              By:  /s/  Kevin  T.  Church
                                        -----------------
                              Kevin  T.  Church
                              Vice  President