UNITED STATES
                    SECURITIES AND EXCHANGE COMMISSION

                          Washington, DC  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 15, 1997


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

                                      
       United States
       of America            33-97436              57-0236115
       ----------            --------              ----------
      (State or other        (Commission File      (IRS employer
      Jurisdiction of        Number)               Identification No.)
      Incorporation
                                        
                             NationsBank, N.A.
                       NationsBank Corporate Center
                           100 North Tryon Street
                     Charlotte, North Carolina  28255
                              (704) 386-5000
                                        
                    (Address of principal executive offices)
                    ---------------------------------------- 
  Registrant's telephone number including area code:  (704) 386-5000


Item 5.     Other Events
            ------------
         The  Registrant hereby incorporates by reference the information
         contained in Exhibit 99 hereto in response to this Item 5.

Item 7.     Financial Statements, Pro Forma Financial Statements and Exhibits
            -----------------------------------------------------------------
(c)  Exhibits

99          Monthly Servicer's Certificate for NationsBank, N.A.
            Class A & B, NationsBank Auto Trust 1995-A

                                        
                                 SIGNATURES

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.
                                        
                              NATIONSBANK, N.A.
                              -----------------
                                (Registrant)
     (As Servicer on Behalf of NationsBank Auto Grantor Trust 1995-A)


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


                              INDEX TO EXHIBITS
                              -----------------

Exhibit
Number                        Exhibit
- ------                        -------
99           Monthly Servicer's Certificate for NationsBank, N.A.
             Class A & B, NationsBank Auto Trust 1995-A