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): November 17, 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:  11-26-97                  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