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

                         Boatmen's Auto Trust 1995-A
                         ---------------------------
           (Exact name of registrant as specified in its charter)

         United States
         of America               33-95450             43-6617959
         ----------               --------             ----------
         (State or other         (Commission File      (IRS employer
         Jurisdiction of         Number)               Identification No.)
         Incorporation
                                        
                                        
                           Boatmen's Auto Trust 1995-A
                               Transamerica Square
                                  NC1-021-03-07
                             401 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 Servicing Report for  NationsBank, N.A., Boatmen's Auto
            Trust 1995-A


                                   SIGNATURES

Pursuant to the requirements of the Securities and Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
                                        
                          BOATMEN'S  AUTO  TRUST 1995-A
                          -----------------------------
                                   (Registrant)
                                        


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


                           INDEX TO EXHIBITS
                           -----------------
Exhibit
Number                        Exhibit
- ------                        -------
 
99       Monthly Servicing Report for NationsBank, N.A., Boatmen's Auto Trust
         1995-A