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): January 15, 1998


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



                                        
     United States
     of America         33-95450            Applied For
     -------------      --------            ----------- 
     (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